$216,000+ In Debt, But Says “Gambling Is More Fun Than Growing Up” | Financial Audit

35:13You're not. I couldn't work. that was two years ago that ended two years ago that was three years ago three and a half years oh yeah what do you mean oh yeah it's been two years you make good income plus bonuses plus have a honey bunny that gives you$800 well you're gonna get to one that I pay like larger I pay larger on it that doesn't matter necessarily you keep thinking the transfer to the transfer to the transfers what saves you know the two that you've transferred to are guess what accruing interest and then you never pay them off even though you make a substantial income plus bonuses plus ball bonus as well and what I'm losing my mind honey bun bonus bunny bunny honey bunny honey it's okay we'll get through this um this is

36:15so it's a lot it's a lot it is a lot it doesn't have to be is the thing yeah that's what i'm trying to say is you putting extra towards it a 200 dollars extra towards it is nothing in your situation you could be killing it right now you could be killing it instead of killing yourself oh gosh there's so many more yes i've lost my pet

36:46quicksilver 3193 dollars 70 cents you only do minimum on this it's going to take 22 years to pay off minimum is 108 is there interest well seeing how you think every card is no interest I will inform you that, yes, there is interest. $76.65, basically making only$25 of progress when you pay$107. This one's not a balance transfer. These were all purchases. These were purchases sitting at 28.15 % interest. What did we buy? It was forever ago or whenever. I don't know what you purchased. But the balance is$3 ,206, so you purchased over$3 ,000 a sh**. at some point well it could have been a casket but how do you not know though there's so many of them honey i don't know what i put there i just like i don't even think you can have access to credit cards not just because you don't know how to budget or not know how to utilize a credit limit you don't know how to manage having more than one account yeah no so yeah i need you to just be like locked in one financial box that you just need to use that oh gosh yeah because it's out of control i i have my husband didn't know and so i showed him what you and i were going to talk about and he was he did not know he he just did not know that i had all this he knew i had credit cards but he thought i had two or three how did he react oh well he was i mean we don't combine finances but he did say he's my husband and he should know yeah i don't think you think like that yeah i don't think like that you're gonna you could at some point sounds like you guys are not there yet but you could at some point blow this marriage up because of your own finances yeah well we don't ever have another marriage yeah i've had two other marriages why did they blow up well the first one we were 18 we were too young and then the second one he had affairs yeah don't do that yeah okay think of america card that one is no interest i know that okay you're very proud of that yes uh it's basically at the credit limit it is okay so i have an an oh i don't even want to say it now but i have two new cards that are zero percent interest and i was gonna transfer like okay to like some of it to one and some of it to the other and then look, Caleb, I brought my cards.

39:38I'm going to tear them all up. Thank you. I am. This is out of control. This is awful. But that means nothing to me because you're going to the casino and blowing$1 ,000 on Friday. So what the fuck are we doing? I already have it. Girl, it's cash that could be going towards paying off the debt. The honey bunny's paying for it. so it's not oh the way you guys live is so weird i just in this interest this would i don't want to put this on him that would i'm a good i'd try to be a good wife this would not be fair to him period no it's not fair because you didn't inform him of your situation before you guys got married that's on you well we've been together for 12 years so he's been you know like he's not don't hit the table and he said and you said that he only thought you had a couple credit cards yeah so that was your fault for not informing him yeah yeah that's true that is true but i can do i can do it we can do it when do you think that is you think everything's zero percent when do you think the zero percent ends on this i want to give you free money right now i've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them?

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41:28This 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 on the Bank of America. It's coming soon in two or three months. December. Yeah. And it's going to be like 28%. Yes. And that bill is going to be like$500. a month so i got to get it transferred or you could just buddy you make income yeah but i don't think i could i don't think i can i don't know your mind's already set well i don't think anyone else picking this up like me like your mind is already you know what you want well you almost want me to affirm what you know because i don't think i could pay enough in four months to get it let's see by the end i'm very curious i'm willing to i am very much willing to So you won't go to the casino on Friday and you'll use the money from the Honey Bunny.

42:24How about I'll go, but I won't gamble. I can do that. I've done that before. So the Honey Bunny can enjoy himself. What's that one? It's just the end of that card. Okay. Elan card. Elan? Elan? No. El - El - Elan. Elan? I've never even heard of this. Oh, it's a MasterCard planner. Okay. Yeah. Okay. This balance is ridiculous. It's the highest so far. Is it the$9 ,000 one? Which I can't believe we're doing that. $9 ,598.59. The minimum payment of$96. Okay. You made a few hundred dollars more to the payment. Yes. So that's what you were super excited about. Yes. Okay. Again, it's basically nothing compared to where your spending is going.

43:17So it's just like I can't get too excited about it. but okay i don't know when the interest starts on that one december oh shoot then it'll be like 28 golly yeah i gotta get i gotta get that paid oh yeah oh yeah yeah can you pull the mic closer to your face yes yeah you sit wherever you want to sit and then pull the mic okay city number so this is what you just opened yes that's a new one you can't open debt well to you don't understand i know but you know what you do when you transfer it you don't pay it off and then it just starts a growing interest anyway you don't have the discipline you don't have the ability to get you're this is a deferment to you you're just it's a kick and let's kick the can down the road so the balance transfers i think are hurting you more because i think i would have bet you those two transfers that we saw earlier those two transfer cards if you never did that and you had a fire lit under your butt for the interest you may have made more progress and paying off your debt because of that than if you were just transferring and feeling like you actually made progress but you didn't actually make any yes that is valid did you transfer anything to this yet no not yet good what were you going to do your little plan so the nine thousand dollar one i was going to put the 3 ,000 of it so that one would be six and that one would be three and then i have a discover card that's 10 ,500 but i transferred the six thousand dollar city bank to it and so now i have three it's a zero yes it's a zero for 21 months when does the 21 months start it's brand So 21 months from this month.

45:06Because I have to get rid of them. Because I want to, first of all, it's absurd. No one should do this, ever. Then why aren't you getting out of it? That blows my mind. I don't know. I write down what I'm supposed to. That doesn't matter, though, if you don't budget. Yeah, I don't. because I don't even know where the money goes. Because you don't budget. I know. I feel like... This is like the most like no shit thing. I know. I feel like I've tried to budget and then whenever I see that I'm not going to have any money in my checking account, like I panic. What if something happens? That's why you get out of debt and get an emergency phone.

45:53What do you mean? What would you do right now if something would happen? Well, I have the credit cards if something were to happen. For like a few thousand? Yeah. Well, I do have the savings account has a little bit of money in it. One? Didn't she say one thousand? Oh, I think it has two thousand in it. Okay. And then I have that checking account that has a thousand dollars in it. And then I have my other checking account that has two thousand dollars in it. But. A KFC tale in the pursuit of flavor. The holidays were tricky for the colonel. He loved people, but he also loved peace and quiet. So he cooked up KFC's$4.99 chicken pot pie.

46:31Warm, flaky, with savory sauce and vegetables. It's a tender, chicken-filled excuse to get some time to yourself and step away from decking the halls. Whatever that means. The Colonel lived, so we could chicken. KFC's Chicken Pot Pie. The best$4.99 you'll spend this season. Prices and participation may vary while supplies last. Taxes, tips, and fees extra. I just feel like, I don't know. I panic because I don't have any family left. Any? Any? Mm-mm. my two cousins and that's it my daughter my two daughters yeah that's really hard oh may i ask about your father oh gosh he's a drunk i haven't talked to him since i was like nine years old so there are really a lot of addiction issues in this family so i panic when i feel like what if something happens well that's why i need you to get out a debt and get a fully funded emergency fund because if something happens that is your safety net yes and it is an emergency not to have an emergency fund i know it's terrifying it is well but that's why we act like this is the end of the world because it kind of is yes it is but you're not acting like that no i i feel that way but you're not putting in the actions to get a solution done.

47:52I know. I just keep getting more 0 % cards. You know how you're taking care of your kid or your mom? Yeah. Well, if you don't get this and you're not set up at all at any point, then all of a sudden your kid is going to be taking care of you. Not because of an addiction thing, but because you didn't set yourself up. And guess what? They'll feel a moral obligation to do it. And some people think, okay, there's not any issue with them feeling a moral obligation but to me like you chose to bring them in this world they did not choose to be brought in this world so you're putting it upon them i know it's it's ugly and i do i want to pay this off you keep saying that okay i do i will do it you do follow-ups don't you yeah yeah i'll come back and and i you'll see follow-up channel link in the description below trying to get to 100 ,000 subscribers.

48:46I'm subscribed. Thank you. You've seen a lot of good stories there. A lot of good progress. A couple people haven't made progress. But, you know. $4 ,008.01. Oh, my God. We're still going with the credit cards? City Rewards Plus. Yes. $41 minimum fee payment. You only did the minimum. And that takes 14 years to pay off. No interest. No interest until... Wow. two weeks oh geez yep yep yep yep yep and then you said you have another card that you just transferred things to the discover yes oh is that what this is so you how much is on there uh six thousand five hundred and eighty seven a transfer from one of the city cards six thousand five eighty seven what's the minimum monthly oh i don't i have it's brand new like i got it two days ago three days ago i'm gonna say well it could probably be like a hundred bucks okay so the city there's one of the cities that's six thousand dollars on there that will be gone because it's transferred to the discover card the city double cash six thousand eight hundred yes that one that one is the one that'll be gone but not all the six thousand eight hundred fifty four i put it all on to the discover so well there would still be a few hundred dollars left over right because it discovers six thousand yeah okay yeah there will be like two hundred dollars left over so it's not gone you transferred it you moved it yes i moved it transfer the student loans okay this is another we brought this up at the beginning but i mean it's it's substantial oh i know i don't that's your payment so low i don't know i filled out the save application just like everybody else did.

50:34I understand it. I honestly do enjoy that there are programs to lower the minimum payment for people that can't afford it. You and your married household income and you're filing separately, I'm guessing, for taxes. No, we file together. You guys are so weird. This makes no sense. Either way, how much does he make? He's 48, I think. He gives you money, but you make double what he makes? either way you guys don't make a bad income at all and then you're the one that gets a lower payment it's just like that's what's weird because he he has to pay 200 something a month on his well did he apply yeah he filled out the save application and then now they've put it in forbearance i didn't ask for that i just got an email saying that might be because of uh court challenges currently yes that's going through a lot of uh court i think so save might not even be around by the time that deferment's done yeah and of course i'm more than willing to pay that back i just feel like yeah you probably have a 750 dollar minimum payment 700 on traditional traditional yes traditional would be yeah so you don't have to make your 71 71 cent payment anymore so you owe 61 ,043 dollars golly yeah it's a lot it's a lot okay and that was just for your master's well the bachelor's and master's oh okay both were in nursing public all public school my master's is in health care administration all public school man you can get a lot of good things done when it comes to nursing in the world of community college did you do community college i did i've got my um nursing at community college and then i got my bachelor's in sociology why i don't know okay when um in 2016 and then 2019 i got my master's okay there's a lot of alternative just please guys if you're out there really lucky community college you don't have to go to the dream school i was going to dream school i'd gift you a course career certification you don't really need one but if you're any of your daughters want one they can have it and accounting or any of the trades nice yeah since you're a guest you get access to that awesome then we have a mortgage yes and it's not bad and i got it in 2019 before everything went crazy really yes you know what the house is worth it's worth now about 250 wow and i only paid 131 yeah so you owe 117 253 and 56 cents your payment after everything 1, 2, 3, 4.

53:28Okay. Not bad. Definitely fits in your income. 5.1%. Okay. Why did you not refinance when rates? You could have gotten like a 3%, right? So when the rates were that low is when I wasn't working and I was on the short-term disability. Okay. And so I wouldn't have qualified. Equity position is great. Yes. Wow, it's cheap to live out there. Yes. Very cheap. it's not like that anymore now if you look it up of course my house is yeah but a 200 000 house is great so yeah that is still a lot of people and it's big it's almost what is the meeting in the u.s like 350 or 400 yeah something it's really cheap out there apparently okay 600 dollars in this checking account is that all your debt then yes 10 debts pretty much all bad except for the student uh except for the house yeah okay you went inside you got some bull went to green gorilla rocket lawyer subscription mcdonald's sonic drive-in rosa's cafe uh went in and got some bull went in and got some cigarettes and lotto tickets yeah golly went in and got 207 worth of cigarettes and lotto tickets in the next one yeah then went out 35 that's just every two weeks yeah to every two weeks and some of the but hit the same day was an additional 88 dollars and 50 cents at the same place i probably got gas or something for my girls because that's just every two weeks with the cigarette and the 270 every two weeks that's an expensive subscription to lung cancer i know it is but it's for me and the honey bunny he smokes as well yeah are you uh Does he have any interest in quitting?

55:14He doesn't smoke that much. So, no. What's that much? How many do you smoke a day? I smoke like a pack, pack and a half. Yeah, it's a lot. Oh, that's so bad. It is bad. And how much does he smoke? He smokes maybe five cigarettes a day. Okay, well, that's still obviously addiction then. Yeah. Because if it was going to be like one on a blue moon, that's different. Are you guys willing to, so he doesn't want to quit? No, I don't think so. We don't ever talk about it. It's just normal. Park and a half a day. What does that mean? Is that a cigarette in an hour? Hmm. I feel like it's a lot more than that.

55:49Maybe. I don't know how many is in a pack. I've never had a pack. That's like 30 cigarettes. And I'm awake for, you know, 17 hours a day. So whatever that is. It's a lot. It is a lot. But let me tell you, most people say they want to quit and they don't enjoy it. Well, if I didn't enjoy something, I'm not going to do it. I do enjoy doing it. No, I'm sure. There's habit. for some people there's flavor and then obviously addiction as well i get it i mean my like i love coffee like i have no desire like but it probably makes me more anxious than i'd like but again i i like the ritual of it i love the taste of it and i do enjoy the energy perhaps cutting down okay but no offense but your addiction leads to like a literal death well much higher chances of death it makes things like covid like you know the people that the thing that you lost a lot of people too people in your position with more uh likelihood of heart complications and lung complications especially with that disease makes you much more susceptible because you know for that it was really the people that got affected were people with medical conditions and you're like a one-way ticket to one oh i know when i get covid it was it was bad it was awful i've heard you wheezing this is a real good story about bronx and his dad ryan real united airlines customers.

57:05We were returning home and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew. I got to sit in the driver's seat. I grew up in an aviation family and seeing Bronx kind of reminded me of myself when I was that age. That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. Yeah, it's bad. So, as hard as it is and i know this is so much easier said than done like when your life's in line do whatever it takes yeah yeah well yeah plus 400 hours a month that's crazy that's expensive it's more expensive than any of your other minimum monthly payments other than your mortgage it's a car payment that is a car payment that's one thing i don't have is car payment It's good.

58:00You replace it with cigarettes. Then went out$35. Went to Subway. $20. McDonald's. Then went out$1. Slim Chickens. Green Tortilla. $40. Inside gas station. McDonald's. Then another checking account. $20. $20 of Amazon. And then two in totem. Amazon again. Ferguson. ebay oh the air conditioner broke and we had to buy parts to fix it but it didn't work oh that's where some of the money went i had to buy um air conditioners for the house the what do you mean some of the money where well some of like my savings account uh because the central unit broke and what are you talking about so i didn't put it on a credit card though i took out of my savings account and bought window units for the house your central ac broke and you bought window units yes that can't be more effective no the whole thing it's so old it's like 20 years old and you're central yes okay we're gonna have to get a whole new unit and it's gonna be like fifteen thousand dollars yes and how much did all these other mini units cost like 800 bucks no for all of them are they actually keeping the house cool yes they are yes i think they're working better than the the central is it as price effective on a energy basis i haven't gotten the first i'm very curious to see that i'm very curious as well but for a whole new unit it's going to be about fifteen thousand dollars and i didn't want to put it on credit cards and i didn't want to finance it so depending on how this impacts your energy bone it may have actually been a relatively creative solution if it's actually because fifteen thousand dollars like i couldn't have had you do that right now but i also couldn't have had you have heat stroke uh not that i'm thrilled with like that you know the 800 but that's obviously

1:00:10potentially a creative way and the 15 000 hours something we're going to want to do in the future and then you're going to sell your window units used yes yeah but what you told our producers was specifically, I live in West Texas and the summers can get well over 100 degrees. My central air went out. I didn't want to spend my money on repairing it. So I wanted to go to the casino instead. Yes. That's different. Well, yeah, but I didn't want to finance it. So a really exciting thing that you guys should be thinking about is we now have all these extra things with our YouTube membership program.

1:00:44You can sign up for our post show. We talk about extra drama for the episode so that we didn't have a chance to dive into. Why would I want more than one s***er? I don't even want one s***er. You don't f*** them. You just touch them and you move on. Why would I want to do that again? Because it's fun. Is that? And it's awesome. How is Caleb as a lover? I would give a solid nine. How do you get to a nine? I just don't know how to answer that because, I mean, I just do. I just do. For the upper tier memberships. All the people from the crew from over there, they come together, they make a crew cast, and they talk about the behind the scenes content and how we do everything here.

1:01:14I think he's a bit on the husky side personally. Oh. That's great. Twice a month, we have a live stream with you guys, and we hang out with you. We answer questions. We chat it up. We talk about the show. We just have a good time. As far as what I understand Gooning is, I believe it's an endless edge, an edge without no end. It is an edge that never concludes. Actually, I don't know. Does Gooning conclude? And then most exciting, right here at this table, with even more pie charts, we have an exclusive, uncensored, ad-free financial audit episode for the top tier members that no one else gets to see anywhere else.

1:01:51Consider joining because ad rates are always up and down. We're trying to build something great here. And I wanted to make sure to provide the best content and the most amount of content that's ever been in a YouTube membership. Link in the description below. But you said, so I went to the casino instead. Yeah, because I don't want to have to put anything down on financing a unit. That would be my casino money. No. your casino oh my gosh listen there's but i didn't want to finance it because it's gonna be like 15 interest i i'm gonna be real like it's this i can tell you're a genuine person that wants to get out of debt so i'm gonna finish this i'm gonna make the budget for you we're gonna do the post show all the classic things but the fact that your your language on the casino know and a lot of these other things this is like i think again that you want to have a solution that's easy and caters to you and is not a real solution and that's gonna that's making me thinking that like it might not be this might not be worth it but i want to be proven wrong i want to have you on the follow-up channel but i i don't know so with the meckies and then uh Ali's bargain outlet for$717?

1:03:08That's where we got the ACs. Oh, okay. And then another$287 with them. Then another$199 with them. So that's well over$800 so far. That's over$1 ,000 now. Oh, dang. I thought it was about$800. You don't even know your... Yeah, see, I don't look at it. I don't... You don't have to look at it, though. It was there. You swiped on it. Well, yeah, but just the$800 is what, I guess, stuck in my head. Went in, got some lung cancer. did at home atm fee atm fee atm fee resort payment all soups all soups sups all subs oh all subs yeah uh probably gas hard to know with you 106 dollars that was definitely probably cigarettes included in that one more resort food maybe amazon pizza hut venmoing out 60 bucks it's the girls they i want to help them as much as i can help them by getting out of debt and being able to retire so they don't have to put their life on hold in a couple decades to take care of you yeah yes i agree i do 900 bucks in there i don't see the savings account unless that's what it is yeah that yes the 900 thought you said 2000 no that is well now is what i have like today.

1:04:29$2 ,000? Yes. Yeah. Okay,$32 ,000 in this Fidelity account. This is a? Retirement. I don't know. Yeah, but. Oh, here we go. Okay, all accounts is$51 ,000. Yes. Rollover IRA,$20 ,000. Health? Sorry. Wait. One of the past places you worked at, 401k, or probably the current place. We need to bleep that. We need to censor that on screen. That's our workplace, I think. but your workplace 401k 20 ,000 cash man oh your individual account 8 ,000 following the overall market it's looking like is this a coin base account yes so I I don't know they were talking about Ethereum Dogecoin like on the internet on Reddit and my stepson and so stepson yes and so i went and bought it and it's never i've never gained any money so i just leave it sitting there 1200 and in red is oh it's a down 749 because you're in oh this is watch list i don't know what you're in oh oh oh dogecoin is on the watch list great yeah let's keep listening to reddit in that sound what are you are you in wall street bets no i just i don't know i i bet you are you probably just don't know it what what if i slash wall street bets you're probably in that no no i'm not a member of anything i just read yeah no no you probably read wall street bets probably yeah probably i don't have anything against crypto as a part of a well-balanced portfolio kind of a minimal part but i don't think dogecoin is what we're going after oh no i will never do that again i just oh weevil as well 508 dollars in here yeah uh you're actually up on that i would just like literally a dollar i would just take it sell weevil yeah okay get your 528 dollars out of there um even if you're down a couple bucks like who knows with whatever we are today just sell it and put it towards the debt, dude.

1:06:51You just got to get out of this debt. It is 71. No, I put it in. Have you been buying and selling? No, no, no. I just did it one time. Oh, my position's Dogecoin. So you held Doge? Yes. You held Doge. Well, I think I bought it at the highest. Litecoin? Where's Litecoin? You lost$324 in Litecoin. I think I bought them all like at the highest they will ever, ever be. And then. We don't know that for sure, but also this is just stupid for your situation. Yeah. Well, and I bought these like years ago. Oh, f***. Yeah, and years ago you were on disability. So it's just not disability, but you know what I mean.

1:07:28Yeah, yeah. So this is, it's so fast. It is, I know. That's terrible. Okay, so we can fix it? You put 3K into Dogecoin and lost it within a month? No, that's spread out between all of those. Doge and Ethereum. Yeah. Three cars, why do you need three cars? One of them is my Honey Bunny uses one I use and one my daughter uses. Can your daughter get her own car? She does have her own car, but it doesn't have an AC, so she uses mine during the summer. Okay, then can you get her car and just give her your car? Yes. Cool, and then sell that car? And sell that car, yes. How much is that car worth? Oh, gosh, maybe$500.

1:08:09It's like a... It's a junker. What is it? Yeah. Huge SUV. The Buick Rendezvous. Okay, who has the Ram? That's the one my honey uses, my honey bunny. Who has the Ford Focus? Me. And then your daughter has the Sonata? How are the conditions of all three? They're good. They're all good. They're very high mileage, though. The Honda and the Dodge, they're well over 200 ,000. The Ford only has 47 ,000 miles. the four uh forty seven four is worth right now seven thousand four hundred fifty three from what we could get six thousand four hundred ninety nine for the dodge ram three thousand three hundred forty three for the sonata yeah the thing is is with let's build the budget but with your spending on cigarettes and stuff it's like i can't put that in your budget but that's that's okay but also it is a huge part of your budget so i don't know what to do the honey bunny he'll do whatever or we quit and live a longer life yes we can quit we can work on that single handedly bringing down the life expectancy shopping is hard, right?

1:09:21but I found a better way Stitch Fix online personal styling makes it easy I just give my stylist my size, style and budget preferences I order boxes when I want and how I want no subscription required and he sends just for me pieces plus outfit recommendations and styling tips I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. United States. I know. Stop. Okay. So income,$4 ,893.96 a month. Okay. At least that's what came in in the most previous month. Okay. Let's get your minimum month.

1:10:02Thank you for at least not missing payments like many people. No. What are your daughters going to think when they see this episode? Oh, well, they know. They expect. Do they know you're coming on? Yes. What did they say? Oh, they were excited. I love that. Debt payments total,$982.74 a month on just credit cards. Yeah, I know. That could go somewhere else. Your mortgage,$1 ,234. what is your electricity water gas um all the utilities it's about 550 okay internet is that included that's included in the 550 okay what's your phone bill uh 130 for four lines and we get free amazon prime okay gas room from drive drive um for all of us probably just you i don't know What do you mean all of us?

1:11:01What's all of us? Because you're a binder. You're not. Are you paying for their gas? Yes. How much? Well, probably all collectively. Probably about$250. We'll say$250 a month. $250 for three people? Yeah. I don't know. They run around a lot, I guess. Car insurances that you have to pay for? I pay that all twice a year. How much? It's$1 ,300 twice a year. I mean, you don't have that much money left over on a monthly basis. Because usually we're probably going to budget that out and section that out. So$217 a month. Okay. If you find anything else you need to survive, make up whatever,$100. Okay.

1:11:41You're allowed to contribute$300 to the grocery budget. Okay. No more. Do lots of meal prepping. I don't know how the food situation at home works. No, there's a lot of fast food on there. But I feel like we eat at home all the time. I don't know. The fast food is kind of minimal. but it wasn't as egregious as we mostly see$300 though. That's what groceries is. You can do it. Probably no subscriptions. Do you have a gym payment? Do you have a pet? Yes. I have four dogs. Do you? What's three chickens? Who pays for the food? Two ducks. Who pays for everything? How much? We'll say a hundred dollars a month.

1:12:20Okay. That's not much at all for that much. Well, it's probably more than how much then we'll say one 50. Do$150. Do you have pet insurance? No. Are you going to get pet insurance? No, but the time you pay that pet insurance, it's cheaper just to take them and pay out of pocket. I think it's so expensive for four animals. It is, but surgery for an animal is beyond more expensive. Well, they had all their hysterectomies, whatever it's called for a dog. And I feel like everyone that has a dog has like one surgery at least. Yeah, and they've all been fixed. And it was... Well, that's not the kind of surgery I'm talking about.

1:13:04I'm talking about they ate something and they get... It's something I'll certainly look into. Co-pays and stuff on a monthly basis for you? Put$50 for that because I have to have my... Gym? No, no gym. And the only subscriptions I have is Netflix, Hulu, and Spotify. No, you don't. Okay. I'll put$10. Okay. Or just Spotify. Okay. Okay, let's add this all up and see where we stand. Yeah, you have$900 left over, essentially. You need$3 ,973.74 to survive on a monthly basis. And I know he even sends them over for utilities. Let's just pretend that doesn't exist. Just a set example for you. Okay. So you have$920 left over.

1:13:51Okay. So what I would do is just in general pay off. I think this is going to be easiest for you to pay off smallest credit cards, the largest credit card. So put everything towards the smallest. Okay. Nor the interest rates for you. You're not disciplined enough to be able to do the avalanche method and stick to it. That's okay. That's crazy. All right. Credit card 38 ,591 that you've refused to pay off, which takes 41 months to pay off in your current situation. That's how many years for? yeah basically three and a half oh that's not bad no but that's you not going to the casino once that's not getting scratches once that's not getting cigarettes once like that's unless of course the other one's paying for it but and even still if we take in the money he pays for utilities and stuff and or rent to you you know that kind of offsets it maybe it's closer to three years but even still that's a lot of time for someone who spoils themselves a lot in terms of experience and memories it's a lot of time to not do it it's a lot of time to not give your kids a single cent yeah it's a lot of time to really sacrifice and that is literally just that and then you have the student loans on it i highly doubt you're ever going to get any kind of forgiveness of your 61 000 and then we still need to catch up on retirement we still need to get an emergency fund uh emergency fund if we minus the debts except for the mortgage i mean you need to get$18 ,000 saved up as an emergency fund.

1:15:27So it's a four-year process. If it's three years to pay off the debt, it's a four-year process to get to the fully funded emergency fund as well. That's a while. Four years total debt plus emergency fund. Well, that won't be too bad because I've been winging it this far. No, I agree. It's actually not too bad in terms of the entire life that we have to live. However, us as humans, we're impatient. us as humans, we experience the instant gratification and the dopamine hit. So sacrificing for that long can be very difficult. I think it's very worth it because you live an amazing life after that.

1:16:00Yes. A very financially free life. Literally, it actually fits in. Once your debt payments are gone, you can actually fit the 30-20 because your needs will be 50 % of your income. And then you still get some from the husband to help pay for things. So it's actually less. and then i'll invest 25 of your money to retirement after that and use 25 or more if your needs are less than 50 on fun and you with your income that's a substantial amount of money that you could spend on fun but that's that's four years down the road right now it's just paying debt yes but it is worth it that's the point okay i i feel like i could do it faster so i didn't say this okay but before 2019 i was in this exact same situation and i was able to do it in two years because i'd like i can what are you gonna well what's the what changes what what's the math difference i think it's well i hate to give trauma-based responses but i think it was just so awful during 2020 no i get that but what was the math different because right now No, it was, well, the house.

1:17:03I didn't have a house. Oh, well, that's substantial. But yes, but I still had to pay$1 ,200 in rent. So the math is still the same. Okay, then what was different then about the math? Like what got you there quicker? I don't know. You made more money? Oh, yeah, a little bit. Well, that's very important. Yeah. Can we get you to 100 again somehow? Yes, I can. Picking up more shifts? I can pick up more shifts. I would do that as well because if that speeds up your process to pay off debt from with the money coming in from him to two and a half years, you know. Yes, because four years, it's not a lot for how much debt it is, but I'm not.

1:17:44That's a long time. Well, that's without your student loans as well. Yes. If your student loans are all below 5 % interest, I'd probably just do minimum payments until they're paid off on a traditional payment plan. And then while investing 25 % minimum to retirement so that you're offsetting it. But right now, just on the retirement, I will just take the match. Yeah, you'll catch up. You'll take the match. 100 % return on your investment. That's what I would do. Okay. We did it. We made it through. We made it. We made it through. Now we're going to talk about the post show because I know there's a lot more about your life and the producers know it.

1:18:19They're going to come in and we're going to talk about some of the more tea side of things, the drama. But spending it in a budget. Actually, let me see. so total that came in you did have some venmos in and stuff like that as well uh lottery ten dollars wow great and atm deposits in as well but oh you're still dramatic even with all the money that came in from the hubster or whatever he's called uh-huh uh it was 7461 with everything coming in you still spent 9370 oh my god oh yeah that's what you need to budget my dude so spending a budget well over zero out of ten debt two out of ten it's really really really bad not the worst you've ever seen don't don't don't allow yourself to think that it's not that bad though i was just happy it's not a zero yeah that's usually collections or irs debt emergency fund one out of ten or two out of ten because it's at two thousand today we need to at least get to 10 000 retirement definitely behind a little behind for your age but it's not dramatically horrendous and we're going to start catching up as well okay six out of ten real estate oh with the value and equity position you have it's great got to fix that central ac though because if people want to buy it they're going to want to buy it with I'm going to give you a solid 7 out of 10 there.

1:19:50It's going to be a hammer financial score of 3.5 out of 10. Make sure to check out all the resources linked in the description below as they are what I use or would use in specific situations, including the best budgeting and investing program now bundled at a 15 % discount. And also join us for the financial audit post show. Today on the financial audit post show. Home equity loan to get this taken care of. No, no, no, no, no. Not with you. That doesn't make sense. So that doesn't make any sense. Don't do that. Don't listen to your friend. She's probably poor and dumb. Yeah. Well, no. What? What?

1:20:25Is she rich? Well, no. Then don't listen to her. Okay. To watch the Financial Audit post show, click the join button below. The holidays mean more travel, more shopping, more time online, and more personal info in more places that could expose you more to identity theft. But LifeLock monitors millions of data points per second. If your identity is stolen, our U.S.-based restoration specialists will fix it, guaranteed, or your money back. Don't face drained accounts, fraudulent loans, or financial losses alone. Get more holiday fun and less holiday worry with LifeLock. Save up to 40 % your first year.

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