$250,000 Down The Drain, For THIS?! | Financial Audit

38:48Yeah, I've been in deferment. Like I've been – all the programs you can get. Are you in forbearance or deferment? Forbearance. Because I sent them my paycheck stub saying, hey, I'm too poor. I can't pay this. I have a six-figure degree. Yeah, what if the new administration doesn't give a f*** about that? I don't know what I'm going to do then. Yeah. It's a future you problem. Yeah, it is. As in like next month. As in literally next month. We'll figure out. I know nothing about the new Department of Education head. Future nominated. I mean, my payments when they tried to get me to pay was like over a thousand dollars a month payment yeah and listen i'm not necessarily against you being on an income-based thing or getting forgiveness if you work for a non-profit i'm not against that it's the fact that you just consider it to be nothing and future your problem like that's why we're just never gonna get anywhere like again through here it's just an apple bill an apple bill dutch bros apple bill apple bill what are all these things 1431 845 648 4032 cents through apple bill what the is that what possibly even is that what is it why probably games or gems gems in her phone you're gems in it up no not quite um probably like stuff from apple music probably what else can you get from apple music that's not the subscription none of these are the subscription so i have i've bought stuff from oh tiktok i have bought like stuff to contribute and then you use apple pay for that contribute like yeah i've got psychic readings and stuff like that.

40:17That's contribute? Huh? Yeah, because you send them money, right? And they will tell you your future. Why'd you say contribute? Because I contribute to their fun. They're going to have money, right? I don't have money, but they're going to have money. You're okay with not having money. I think one of the reasons that you're able to say that and one of the reasons why you have the mindset on the student loans and everything that you've said so far is because your grandma enabled you. then your man's enabled you you've only ever been enabled you've never had to actually worry about the consequences of money because someone else has always bailed you out you've been bailed out three times i hope for your i don't want you to get a divorce from a love reason but i need at some point for someone to not take care of you so you actually finally learn you need to go through what a lot of 18 year olds learn but at 39 because this is a joke more than two decades later come on Oh, and then Apple Store,$179?

41:14What the fuck is this? Oh, yeah. I got new AirPods. Oh, thank goodness. I needed them. You can hear things. I need them. Yeah, I need them. Okay. Interest charge this month alone was$84. Last year, almost$1 ,000 in interest. It's at 26.74 % interest rate. It's a great interest rate, isn't it? Well, what do you think a good interest rate is? like three four something like that my car loan no i said 26.74 but i mean like yeah it could have been it could be worse i've seen people with like 30 interest i know it's just it's like you it's like if you if you don't value the dollar but it's like what's going to give you the motivation to get out of this i mean i'm motivated now like i'm trying to go but why you just made a joke about the interest rate i mean like what do you want me to like i can't change this right yeah but why Right now, I cannot change it.

42:05Why would we be stupid about it, though, in the conversation? I mean, I can't change it right this moment. Yeah, but why be stupid about it in the conversation? Do you not know how to answer f***ing questions correctly? I do. Then do it. Try. I don't know. So, here's the thing. What generation of inbred are you? So, here's the thing. Not going to answer that one either. With my Apple monthly payment. So Apple was one of the ones that I did not close when I went into debt management. That one and my Royal Caribbean one. So my debt management said that there was a couple they couldn't work with.

42:43And Apple was one of them. And I'm like, that's fine. I'll keep that one. And I had somewhat paid it off. And then, of course, I needed it for gas and groceries and stuff trying to contribute. And because I try to contribute when I can. But now I've used up all my credit cards and I just can't contribute to the house. You've heard me say it before, good financial planning isn't just about today, and it's not just about you. It's about protecting the people who matter the most today and for the future, especially for your kids or anyone else who may depend on you and your income. Luckily, today's sponsor, Fabric by Gerber Life, makes applying for term life insurance so easy to make sure those you care about are protected.

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44:53All right, let's go for a field trip.

44:58For$764 a month, this better be the nicest damn car I've ever seen. That's an insane minimum of the payment for somebody who makes$240. $2 ,400. But when I got it, I wasn't, like I was making good money when I got it. Okay, how much were you making when you bought this car? $78 ,000. I got it when I was in D.C. And I got it when the car market was doing so well. My other car appreciated$14 ,000. and so I put that as a down payment. So you sold it for a profit. I did.

45:29Which one is it? Because I don't see one nice car out here. It's like, you must not have one. I do. You must not have one. How expensive is your car? My car, I got it, it was 61. Yes, my car is more expensive. Is that, is that, are we jerking off over car prices? Well, like, I love my car. I'm so, like, it's the only car that I ever got without my grandmother's help. Show it, Zoom in on the white thing. It's like the only car I've ever got without my grandmother's help or anybody's help. Like, I didn't. How the fuck old did your grandma live? She was 91 when she passed away. She had a great real life.

46:03She did not help you. Grandma did not help you. She did not set you up. If that's the first car you've ever bought without someone's help and you're in your mid to late 30s, that's a joke. You are an adult. actually you know i honestly thought that maybe you're just being like oh maybe i'm a little nervous with the camera maybe this is my i'm trying to give my thoughts on the past past and why i justified it back then but you're not making any adult decisions in your 30s you are like mentally in terms of your understanding of money and life progress an actual child in a 39 year old's body just in terms of your maturity and mentality on that stuff on that stuff oh yeah like i mean my grandmother was amazing all i had to do was pick up amazing but she did not actually help you i just had to pick up the phone and tell her hey mama i want a new car so you got a lexus suv no offense even for the nicest brands let's call it lamborghini the suv still just look like a normal suv so it's just like what was the point you should get you could have got a just a Subaru something.

47:09I don't know. A Toyota. Ew. No, it doesn't matter. It would be the, it looks the same from the outside to everyone else. Sure, it's a little nicer on the inside, but also you can't afford it. This is. But when I got it. When you got it, yes. But we sometimes, I don't know if we're all this, but sometimes when our income changes, when our income goes down, when things happen, just, you know, here and there, we do something called change our expenses you know adjust our budget hey when's the last time you ever made a budget in your life huh i've never made a budget i like i've never had to okay but guess you because of the enablement oh my you're spoiled it's like what will this conversation accomplish is kind of what i'm wondering then like of your net income that's 31 32 that minimum payment is 32 percent of your net income that's crazy going to a car payment the money guy rule money guy rule my boys brian and bo over at money guy love their youtube channel very educational very good uh that's eight percent of gross income and gross i mean you're probably going down from 32 to what maybe 25 or something but even still you're beyond over plus i doubt how long was your term because their rule those three years how long was your term so i did five and then i refinanced it um like six didn't you get it when rates were at the bottom so i had a cosigner um to help me out to get like because you can't do anything on your own you just bragged about how you did that car on your own well i did like i put all the finances i had a cosign because you couldn't get approved for a loan because i could get approved for a loan but i wanted a better interest rate what's your interest right now 6.3 okay it's not like yeah look at this great whatever okay but my first car loan i ever had was like 16 so you owe 32 ,839.72 cents and how much did you put down again versus the purchase price 17 ,000 the purchase price was 58.7 okay so you're yeah i mean you hit their 25 % rule.

49:14Our boy Jake has the value of the car. And I think that it's actually like I have equity in it. He's pulling it right now but when does the term expire again? Like 2029 I think. No offense. It did not look that nice. Neither does mine for what it's worth. I mean it's just they're SUVs. SUVs never look they're never the nice looking car of the brand that is a nice brand. But it's Lexus. What does that mean? it's Lexus that literally means nothing to me it means a lot to me though why? because like it's the first car because after my grandmother died I almost bought a Jag almost but I didn't why would I want you to buy a midlife crisis car I'm not that's what the like retired kinda lower middle class guy gets at the end of the cul-de-sac as a Jaguar maybe that'll be my next one they're not even cool what but i'm happy with my lexus i love that that's great you have a lexus of 40 000 a year it's crazy the purchase price of that car was 20 000 more than you make in a year gross but i got rid of everything that i had when i did debt management like i got rid of everything except my car and my purse purse yeah i have a louis huh i have a louis baton that I bought when I was making good money.

50:38So when you make it, so because if I even try to get your income up, if I try to get your income up, it doesn't even matter because you just spend the money you have. Your lifestyle inflates yourself up to the rooftop. So that wouldn't even do anything if we get you to, you have to budget. Please do a few things with the resources we provide you. Go through our budgeting class for free. Actually build it. go i would go through it with the husband as well but why not you get it for free make them go through it as well go take the quizzes do the education build up the budget stick to it go through the debt class so you can understand this debt the debt management process you went through the good debts to utilize then eventually go through our investing once you don't up another massive nest the next time you build one up go through it all you get it all for free you guys get it for 15 off when you bundle all them together or if you're part of uh our simpler budget app which download your simpler budget app download that build your budget in it it automatically pulls from your accounts it's a simple app it's what you need just the basics how do you budget negative huh how do you budget because like obviously i have more going out than i have coming in like how do you budget we'll look at the end and see if that's possible sometimes you do need more income depending if you've pushed yourself too far but use the simpler budget app okay okay and And then sit down with a domain financial advisor.

52:00It's the people I use. It's the people our audience use. They get a free session. You get a free session. Sit down with them. Please utilize our resources. I'm giving you this. I've partnered with them for a reason. For you as the guest. Okay? Well, we built the budgeting app. But even so, you get it for free for a lifetime. Also, you never sent us the VIN for your car as we requested in order to get the value of your car. I thought it was on the... It's not. Auto Nation sent me an email this morning telling me that I have value in my car. Okay, what did it say it was worth? I had like$4 ,500 equity, which I mean isn't much, but it's better than being upside down.

52:37So it said it was worth like$38 ,000? Mm-hmm. Okay, good. Which, I mean, that's about right. I agree. You're going to sell it. No, I'm not. Then this conversation's done. I mean. No, no, no. if you're not willing to do the most basic thing, this is as much as your income. This conversation is done. But it's not. Here's the thing. No, no, no, no. You know, you don't understand what I'm saying. I do understand. No, if you're not willing to do that, there is no point of continuing this conversation. There is. Here's the thing. What does your husband think about this car? So my husband tried to get me to sell it last year.

53:13Then there is no point of continuing this. We haven't filmed this long enough to make this an episode, but there is no point of continuing this. Do you not understand that? So here's the thing. No, you don't. Why are you not able to talk? Because if let's say, let's say I sell it, right? Please be willing to sell this. Please be willing to sell this. If you don't, if you don't, I can't continue. I will not allow myself to continue this conversation. If you are not open to the idea of selling this and getting rid of what I think is your largest debt, you have to, you have to, because you'll have 4 ,000 hours of equity.

53:48You're going to sell it very good. You take that$4 ,000. Maybe we borrow$6 ,000. You get a$10 ,000 car. Ew. Yes. Ugh, your class is bitch. And then all of a sudden, you pay that off as quick as you can. And then we save up. We save up. We save up after we have a six-month emergency fund and we're contributing to retirement to try to get us to a place where you have the chance to retire when you're able to take from the taxable retirement funds in 20 years without any penalties. And we save beyond that. We cut back from some fun and you get yourself a newer, nicer Lexus, which we can get you to if you follow our fucking plan.

54:25I am not willing to continue this conversation if you're not willing to sell the car. Oh, so I have to talk to my debt management program because like I can't do I can't open like any credit stuff. Oh, because that's been the problem. Yeah. What we would have to do in that context then, if that's like the last debt to pay off, we'd have to save up like six thousand dollars sell the card then roll that six thousand dollars we saved up and the four thousand dollar equity position into a ten ten thousand dollar cash card which is honestly even better if we're able to do that okay are you open to that yes okay then i'm willing to continue the conversation so this is a bank of america royal caribbean card oh yeah we we cruise cool why doesn't the guy with money pay for it oh he does i just got approved for the credit card with them.

55:13Why if he's paying for it? Because here's the thing. I kept getting approved for credit cards, right? After he paid off all the debt, I kept getting approved for credit cards. And it just felt so good to keep getting approved. So I just kept applying and kept applying and kept applying and kept applying. And here we go. You are a child. You are a child. You are a child. You're a f***ing child. You're an infant. You do not have the... And we're going on a virgin cruise because that's what I got my husband for Christmas in August. you got him that how much did that cost so i only had to pay the deposit and the deposit was like five hundred dollars and i put that on the firm you spend two thousand dollars more than you make i you put it oh i put it on the firm oh gosh oh i don't have the because i'm fat the energy to you're so lucky there have been people in your life who are willing to baby you i'm not willing to do that i'm willing to give you resources that make you go into work that you have to work for to benefit from.

56:09But I did everything. Like growing up, my grandparents told me, go to school, get your degree, and you will be fine. Get your degree? They didn't say get a degree that will actually return on its value? No. Okay, then go and dig them up and slap them. I miss my grandmother. I bet. I love mine like crazy. I get it. I get it. She sounds great. She sounds enabling, but not in an intentionally bad way. oh she was always like she was always there for me like 100 she was more like my mom in in ways that have hurt you yes not again intentionally to hurt you she was doing what she thought was best it was bad so what's the 523 owed on this 546 sorry 546 49 um gas groceries and a royal caribbean card you applied for the royal caribbean card bought a virgin thing i'm stupid after pay whatever.

57:08A firm is great. Firm. Because it's so easy. Why do you like that so much if you've had to go through various forgiveness methods over the past three now looking at four over

57:26five years plus draining okay draining a nest egg. Why do you like debt so much? Because it has clearly put you in situations where you've had to beg. Beg on your knees like a f***ing dog. Not exactly. I mean, I've just had people who were just there and they just willingly helped. Yeah, but they learned about it somehow. You ever feel like you're just burning money on car insurance? That used to be me every single month throwing cash out the window for a plan I didn't even understand. Listen, if you haven't compared your car insurance rates in a while, you're possibly getting played. I'm talking about paying way more than you need to.

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58:38Stop paying more than you have to. It's super easy and you could bump up your monthly savings rate. That's a win-win. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners. I mean, yeah, like I tell my husband, hey, you know, I'm in trouble with my bank and I need money. and he's like okay. I need money so you're asking for money. You don't understand that you. But my husband has it like he makes great money. You have a disgusting I'm sure you're a very nice person outside of the world that's just this financial conversation in general but you have a disgusting attitude and mindset towards debt.

59:12You're addicted to debt. You are confused about debt. You don't understand the value of a dollar. You just get enabled on every single turn. Listen on here you purchased$46 so you're purchasing more money than you put towards it. It's a$35 minimum payment but you You purchased$46.25. And then$11.34 of interest accrued. How long does this take to pay off if you just do your minimum payments with no other purchases? No other purchases? Probably, I'm guessing probably a year, I was thinking. 19 months. So I wasn't too far. 19 months for$546 without purchasing and you can't not purchase. With the f***ing Target and got donuts and Cosmix and Peach Wave frozen yogurt.

59:52Trust me. Oh, yeah. that's not cutting the cows that much we love shipley's what was the point of the weight loss surgery if you're getting shipley's so endlessly not one time no yeah it is endlessly so um what is the point yeah this far out from weight loss hundreds of dollars of interest back so wait wait you lost 100 what have you gained i've gained like 25 back and my doctor has me on and i was having to pay for that out of pocket in virginia but now insurance is covering it so So I don't have to pay anything for it. You're woven it up. That's okay. But again, unless you treat it like the way you got through the debt and management.

1:00:31Listen, those can be, again, a good tool. But the people who do not fix their behavior, fix their eating habits, the moment you're done taking it or you just get used to your different levels, you're going to still gain weight. Which is kind of like what's happened. But, you know, like I'm getting there. You're someone who will never change in life. You don't care enough. I do care. No, not enough. I just don't know what to do. Not enough. No, come on. You know budgeting. You know budgeting would help, yet you have never made a budget. How do you budget when you have more going out than you do coming in?

1:01:07You don't know where it's going because you haven't made a budget. Okay, well then I need to know how to make a budget then. Okay, fine. Let's do that. You could have. But at the end of the day, like, I've been doing the best I can with what I have. No, no, not even a single chance you've been doing the best you can. You don't know what the best you can even is. Don't even use that phrase. Shut the up. You just don't get it. Like, you just don't get it. Like, what would you do if you were making$20 an hour? Like, what would you do? Like, how would you feel? How would I feel? Yeah. How would you feel if he busted your ass to get a master's degree only to come out making$20 an hour?

1:01:43You're being a dick all of a sudden. Because, like, here's the thing. Well, hold on. I'm doing everything I can to, like, keep my head above water, right? I made$7.25 an hour for the longest time. I did, too. So what do you mean I don't know what it feels like? I did that for years. What are you talking about? Of course I know that. It just, it sucks. And, like, I'm here because, like, I don't know. What are you throwing that at me? What are you projecting on? Of course I know what it's like. I did that. It sucks, right? No, I didn't get a master's degree, but I was actually, like, 40 % of Americans who dropped out of college and still had$40 ,000 for it in debt.

1:02:13like what are you talking about i'd say that's even worse you had a better opportunity so shut the fuck up but it's really not a competition i'm in six-figure debt for a master's degree that is not paying off utilize degree to try to get a job it doesn't have to be necessarily in your industry doesn't make it easier yes but during the great job market of covid you could have almost got any job you want as long as you could demonstrate relative skills which is how i got my like hospital job and i love that job too i love that job and you know I had just gotten my Virginia temporary license when we had to move.

1:02:45Like I got it. Oh, this Hilton honors card is insane. I don't need another story. This Hilton honors card's insane. So part of that is my husband's fault. Part of that. What? The guy with the money. How would it be his fault? Tell me. So when he bought the house, of course he bought a brand new house and it didn't have, you wash your dryer refrigerator. And of course, when you're buying a house, you can't, you know, put anything on credit. You can't do anything. So while you're through the process, This is the one getting approved, you mean? Yes. So we went to Home Depot. $431 a month? Yep. We're done.

1:03:22We're done. We're done. Yep. And that's not even. You see the interest rate and you see like how much interest is being charged. So you. Why? Okay. So he wanted to get. What again? We got a washer, dryer, and refrigerator. But he was going to do it and he was going to put it on his credit, but he couldn't because he was in the process. Cool. So why didn't he give you the money then to pay this off? So the deal was, I was like, you know what? I want to contribute. Let me pay half. So we put it on my credit card. And he gave me his part and I paid the$2 ,000 toward the card. And then, of course, I can't pay my part, right?

1:03:59Because I don't have it. So that's where we are. What? That's where we are? Wait. Did I miss something? You paid your$2 ,000? Who owes the$12 ,447? that's that's me i owe it so what what was so oh and i want to also let you know that on that card i had a friend that needed help getting a car so i put a two thousand dollar down payment on her car for her to help her out and she said she's gonna pay me back like we've been friends for over 10 years when was that um august of 20 23 three three yes you're not getting your money back i mean she sent me like a hundred dollars oh and you didn't just give someone money you took out a loan on her behalf oh this card last year alone accrued three thousand two hundred dollars of interest somehow you actually made the minimum payment but three hundred ten dollars of interest accrued.

1:05:08$310 of interest accrued. For f***ing s***, this is insane. But I'm getting a lot of Hilton Honors points and I get to stay at Hilton property. What do you mean Hilton Honors points? You're not making any purchases. So, all the purchases that I have made, I have like 151 ,000 Hilton Honors points. What does that convert to on a dollar amount? I don't know because I think it's like one and a half points per and like when I was making good money, I like used that card all the time and paid it off. 40 ,455 points. I was like doing great. This is what you have. I was doing great. What does that equal in like dollar amounts?

1:05:43A point and a half. A lot.

1:05:48But yeah, so we came a couple weeks ago to Austin and we spent the night in one of the Hilton properties for free. Because of all my points. And we're going to Boston in April. Yeah, but you spend more than that when you go on travel. You're eating. You're doing shit. My husband pays for all that. You better. What about the flight? My husband pays for all that. Good. That's the only way I will allow you to do that However you should spend the time working instead My husband pays everything That's objectively not true We've looked at this I've seen your spending He pays when my account bounces He covers electricity, water We just got a puppy He paid for the puppy He paid for vet bills In part on that American Express card That one in care credit And credit one Credit one I had to put vet bills on there because my dog my old dog got really sick why didn't you have pet insurance like a responsible pet parent I've heard bad things about pet insurance so that's why I didn't do it people are saying hey I think I heard things about you just had to put your pet stuff on a credit card so I think pet insurance would have been better maybe okay by the way each point one Hilton Honors point is worth point zero zero six cents you said it was worth a dollar and 50 cents each point i think you're like not only entitled you're a little stupid on you don't understand your finances not stupid in the world but stupid in finances i mean i've done the math you have 243 dollars in points that's what you got from all that it accrues 500 hours a month in interest a month you got 240 dollars in points one time but that's 240 dollars like i get to go stay somewhere no no you're losing double that on a monthly basis.

1:07:49That could be going to stay in some or twice. I like to try. This must be the consolidation loan. Yes, that's all my debt management. And they did help me with a lot of the interest rates on a lot of them, as you can see. But it says current APR is 25%. So that's your good interest rates? On the next to that, the DNP APR, like it shows you like what they got it down to. Your current payment is$1 ,000 a month. You're done. You're done. my bankruptcy my debt management oh i almost filed bankruptcy i tried to a few months ago but it doesn't matter because what happened hey what happened why did you have to um you got your debt paid off once by taking from the retirement why did you have to pay off debt a second time after that because i didn't learn my lesson the first there you go so if you have to do this the fourth time you're not if you declare bankruptcy right now you're gonna be in bankruptcy in two years that is your trend you actually answered an answer correctly for the very first time And if you're able to acknowledge that, no, you don't get debt forgiven.

1:08:50You don't do this. You don't do things until you are able to actually change your behavior. Because if you get to a point where you're actually getting help, but you don't change your behavior, you end up here for the fifth time. No, I think this time is going to be. So what's different? Tell me with words and logic. So because I'm making my debt management payments, they'll be done in a few years. and these next few years is when I'm getting my life together. You're going to be in your mid-40s,$0 in retirement. What a joke. Life together in our 40s, what a fucking joke. What a joke. I'm going to have some retirement.

1:09:23No, it's a joke. It's a joke. It's a joke. I'm going to have some retirement, though. How? I mean. You're saying things, but you're not able to back them up with anything. So my long-term goal is once I get out of law school. Oh, that's right. That's right. Hundreds of thousands of dollars in different law school. Because, I mean, that's why I'm trying to get really good on the LSAT, because that means I can get scholarships, so law school won't be so much. Because, you know, law school is, like, super expensive. I know. Law school is, like, super expensive. Like,$15 ,000 to$30 ,000 per semester.

1:09:55Uh-huh. And I sure don't have that kind of money laying around. You don't have any money laying around. I don't. I have negative money rolling around, so that's kind of where we are. Which you could fix, but you're not. I'm going to fix it. I'm going to fix it. Everything is going to. Gun it, gun it. Your entire life has been gonna, but you've never gonna. You've never gonna. Meaning now you were gonna when you were 20. You said, I'm gonna. And then when you're 25, you said, I'm gonna. When you're 30, you said, I'm gonna. 35, gonna. You're almost 40 and you haven't gonna once. Because I'm too busy.

1:10:27Like I do a lot of things for other people, right? You work 40 hours a week. Shut the fuck up, Izzy. So on one of those credit cards. You don't have any kids? Shut the fuck up, Izzy. One of those credit cards, I bought my mom a$3 ,000 scooter. Because we were getting ready for our Disney wedding. and Disney wedding? You're a f***ing Disney wedding that can't be cheap? It actually was. What's cheap? You don't know the value of a dollar. So we did I just sounded like Beetlejuice. What? We did a Disney cruise wedding and the package was only like$4 ,500. For the whole thing? For just the wedding package and then our cruise fare was like$2 ,500 I think.

1:11:03But then you have to get things like f***ing he had to get suits and you had to get like a He had a custom made suit. And what did you, you must have, did you have a custom wedding dress to go with it? So I didn't have a custom dress, but I did have a couture$10 ,000 wedding dress.

1:11:20And then we took pictures at Disney when we got back and that was$3 ,000. But my husband paid for that. I didn't pay for that. All of it? And the dress? So I paid for my dress. How? How? How? How? With what money? How? What money? How? So when we were in D.C., this is when I was making good money. That's how I was able to afford the dress. The original. No, no, no, no, no, no, no. You don't get a$10 ,000 just dress one part of the multi-thousand-dollar wedding. Good value wedding. You don't get to do that with$75 ,000 a year. You don't know. It's because you pulled from retirement fund. It's because you pulled from the f***ing nest egg that was given to you from, was it Grandmama?

1:11:56Was Grandmama the one that gave us the money? Did she give your mom money? Mm-hmm. Okay, then why the f*** do you have to buy your mom a little scooter mobile? Because my mom apparently didn't have any money left. you both you both are the same I need to have an audit with her you do generational incest what she's like 63 is she morbidly obese so that's why she's get like she can't she's got a lot of health problems which is what happens if we get morbidly obese in our 60s you're headed to your 40s she's got knee problems which is what happens when you're morbidly obese She's got all kinds of problems.

1:12:36Which is what happens when you're morbidly obese. So, and because her scooter broke like the weekend, two weekends for our wedding. Probably because she's morbidly obese. And yeah, so I bought her a scooter and she was going to pay me back and she didn't. Oh, that hasn't happened ever in your entire fucking life. Oh, I just threw my thing. The only thing helping me through this episode. It was great because like we had our great wedding and the pictures were great. Where's the debt for that$10 ,000? You had to have taken out. You either took out debt for the wedding dress or you paid for it in cash and then all the other things that you normally buy with cash you put on debt.

1:13:16So I didn't. So basically. But they went on debt somewhere in some way. I didn't know because when I was in D.C. this one I was making great money. You were making great money for D.C. So I didn't have to pay for it all at once. I had to put a deposit down, and then I just made payments. Like, every time I got a deposit, I just made payments. That is a debt, you s***. But I didn't put it on a credit card. That is still debt. What, you think credit card's the only debt I'm...

1:13:51But I didn't go into debt. You just, we just defined it. Yes, you did. But I didn't put it on a credit card. There are more debts out there than a credit card. I disagree, but okay.

1:14:07But debt to me is just on a credit card, right? But that's not true. That's just one of those endless things in this conversation that I need you to change your mind on. Why come on The Money Show, The Money Show, where we talk about this and I say something's a debt and you say, that's not true. So I guess for the longest time I've kind of been in denial. No fucking shit. And I really do want to change. I just don't know how. Maybe start with listen to me. Okay. Someone who's done it and has helped many thousands do it. But my wedding dress was so pretty. I get it. These are the sacrifices we make.

1:14:47We do the sacrifice game when we're getting out of debt. We give up some of the things that we want. I'm not saying you can't have the wedding but maybe we're not getting a$10 ,000 dress in the wedding and that was the second wedding dress I bought too I had a dress when we eloped in Vegas I had a dress for that too you were already married? we eloped before he went to Tampa and yeah you guys really aren't married anyway so maybe we need to have a third one $2 ,352 owed on this card with a $80.96 minimum monthly payment. You have to be receptive to this stuff for me to continue. Are you receptive?

1:15:27Yes. Promise? 100%. $2 ,352.93.

1:15:37Oh, it's an American Airlines Advantage. Gosh. Don't say any words. I really don't fly with them. I fly with Southwest, mainly. Well, I'm glad we have$2 ,352.93 cents of debt that we're giving them$80.96 of minimum payments for a f***ing one we don't use. For fees, we had fees. $90 fee, it must be a plan fee. And then$403 of interest accrued last year. Capital One Quicksilver. Oh yeah, I have that credit card. It sat empty for a long time. Your stomach's yelling at me. Is it? It keeps going. Are you okay? Yeah. Are you about to Rhea all over the f***ing... no$701.56 of the$25 minimum payment 6.087 purchase$17.17 of interest target what is happening to you you are seriously dying I don't think the mic's picking this up but are you transitioning into a creature are you about to did you take the substance before this are you becoming your greater and better self in front of my eyes I think so okay $134 of interest Here's credit one.

1:16:51Credit one fucking sucks. You know you're in the bottom of the barrel. That's it. I've had that card since 2015. Oh, yeah. By the way. For like a long time. Fun fact, close all your accounts right now. Boom. There it is. Got it. Instruction number one. You said you wanted help. There's your help. Okay. Okay. You got it? I got it. Okay. It's almost maxed out. I mean. A hundred hours of interest. You can't act surprised. No, I'm not surprised by anything. Listen to your language. It's just on how your behavior. Listen, if you're going to use your credit card, you can use a debit card called the Fizz card in our resources section, just like everything else.

1:17:27It's a debit card, but it builds credit and you still get the rewards, but you can only spend what is in your checking account. Okay. But I like the buy now, pay later. I know you do. It has not worked out. Your stomach is still making sounds. Raymond James. What is this? 100. Wait, what is this? 99 ,000. That was my money. Oh, this is what it was. look what it could have been no no no no no no it wasn't 175 it was deposited 226 000 you had 50 000 more than you even told me you blew through a quarter million dollars you blew through a quarter million dollars this would change everybody's life there you have to get to like a hundred millionaire status for a quarter million dollars not to matter at that point this would change everyone's life from the producer's life to your life to the person on the street to my life and i've been blessed enough to be pretty darn successful a quarter million dollars is life-changing you can do so much with that you know how much i could grow this business with a quarter million dollars just hitting right now i was supposed to get more i'm glad you didn't because it would be gone you're a spoiled brat i think i would have kept it what how can you say that you went through a quarter million you're so defensive for no reason you're so there's there's no suggestion there's no suggestion that

1:18:55you okay over there we have to do law school because again there's no point what if we make a plan it doesn't make sense you're going to law school that'll be a full-time job making zero dollars and going in debt no law school i'm doing part-time and it's online so what is that going to take 10 years it takes four instead of three um how part time is that really then so you do classes monday wednesday friday so how are you going to be able to work so my job consistently i work 5 a.m you hate your job i do but i'm gonna have to hold on to it like that's that's why i'm i'm having to stick it out before like i literally don't have any other choice no you you really don't you really don't you you really don't so maybe you should get an accounting certification through course careers there are boys that you can put on resumes just yeah and more resources i just want to give you access to everything but at least it'll teach you how to make accounts just go through a budgeting program that'll be good actually never mind you're doing law school you don't need that maybe we'll gift one to the audience i did not expect this i just didn't i didn't know what to expect i really thought this conversation was basically like we've hit the bottom of the barrel.

1:20:03There's no way. You ended with negative$587 in your checking account. This is a joke. You are 39 but you're acting like you're 13. But it's going to get better. It's going to get better. Like, it's going to change like today. Jake, for a second, I'd like you to grab her slider and take it to zero. If you would be so kind. You're participating in this conversation is no longer required. Shut the f*** up. You're not being picked up right now. You have no audio. You're muted. You're done. You're not being picked up right now. You're not even being picked up right now. Not even fair. You blew through a quarter million dollars.

1:20:51It's no fair. Let me. I want to help you. You keep saying you want help, but then you hit me with just the most childish, immature thing. You're door dashing. You're f***ing door dashing. Apple Cash, Apple Cash, PayPal, Dutch Bros, Pizza Hut, Sirius XM, Sirius XM. We're not in the f***ing 2005. What are you doing? PayPal, Starbucks. You're not being picked up. You're not a part of this conversation. You're not being picked up. They can only hear me. Alta, Legion, the PayPal, PayPal, PayPal, PayPal, Mama Margies. Oh, there's an overdraft of$35. Shut the f*** up, lady. Bath and Body Works. Wisely Idiot.

1:21:28You're not being picked up. No one can hear. You can tell me whatever you want. No one will hear it. PayPal, Pizza Hut, Netflix, Discovery, overdraft fee, overdraft fee, overdraft fee for this month so far. Disney, Disney, Disney mob. What the fuck is a Disney mob? PayPal. They still can't hear you. So I don't give a fuck. Overdraft fee, overdraft fee, overdraft fee. So what do we have? Four, five, six, seven, seven overdraft fees in one month. Oh,$770 of overdraft fees this year so far. there's i i i i i oh you can you can bring her up you can bring her up you can turn you can turn well maybe i shouldn't allow but you don't even like i'm doing the best i can with what i have now right like i can't go back actively not with your health or your finances or anything so that's just i i don't mean it to bring it back to that but it's just another example of our lives i'm not doing the best i can on health but i'm acknowledging that and i'm i'm willing to acknowledge that well i'm doing the best i can on my finances and i have and i fixed my life if i don't acknowledge things if you're just living in delusion you're never going to get anywhere listen if i build a budget it doesn't matter you're going to go to law school and the law school is going to cost more than anything we can't build you a budget there's there's nothing to be done here and they hate it when i don't build a budget and so do i but it's just like we can build a budget we can build a budget there's not a point coming in i still have money coming in like i'm still gonna have my job well okay well let's attempt and let's not forget that I'm going to have student loans coming back too.

1:22:58Huh? I'm going to have student loans coming back. Back? Yeah, because like in my grad school, I took out the max I could every semester so I could have like money coming back so I could live on. Let's film the post show. That's, that's, that I can't, I can't deal with that logic. Sit down with the resources we gave you. Maybe they can get across from you in a different way. I've actually tried to be more chill in this and just like give it to you because usually sometimes I think people need the wake up call. So I go intense, but you, you're just, you're lost. your mindset on this is so broken and you thought this show would fix you by it being a number problem it's not your maturity levels your view on this is so out of whack that it is done and this is your neighbor co-worker everyone's apparently psychologist too this is your listen I'm gonna be a lawyer it's okay I'm gonna be a lawyer I hope so and then I can come help you one day yes you might be good at your job you are bad at finances and you are not willing to listen and you're being unproductive You're not.

1:23:55You're not. You're simply not. Your worldview and everything is wrong. Your worldview and everything is wrong. Stop it. Stop it. Stop it. Hammer Financial Score inbred. And if you want our, come join us in the post show. We'll at least have a more good time there. I'll get out of the bad mood because we can just have more fun. But usually we learn about something crazy that Lindsay knows that I don't know because Lindsay knows everything about their lives. And join the elite for more value. There's a call-in show. where you can call in and you can talk to me and get my take on your situation, whatever it is.

1:24:29If it's life, if it's drama, if it's, you know, if it's finances, join Elite. See you in the Financial Auto Post Show. My name's Caleb. How are you? I'm well. She's been bailed out, bailed out, bailed out. Her car payment fell through, and I'm thinking, I'm like, I just sent you$500 yesterday, so. Her car payment fell through today? She got a cosigner for X. When she was married with you, she brought her X to cosign? Yeah. This is f***ing insane. What the f***? To watch the Financial Audit post show, click the join button below.