$426,000+ A Year On Pokémon | Financial Audit

23:26Head to yrefy.com slash hammer, that is yrefi.com slash hammer, or call 888-973-3978, that is 888-973-3978, and see how a real personal approach can help you escape the private loan nightmare, because, let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of you ever leave a big meeting brain buzzing with ideas only to get distracted by emails phone calls and funny memes so by the time you can focus you've already forgotten what the meeting was about let alone what anyone actually said same until i got plod note pro it is a pocket-sized ai secretary that captures everything organizes it and delivers you a beautiful summary with insights to do's and even draft follow-up emails and i'm not joking Plod can also brainstorm with you after the meeting using something called Ask Plod.

24:14It's like ChatGPT, but actually knows what happened in the room. And don't worry if it gets stuck in the back. Unlike your phone, it can pick up voices from 16 feet away, cancel background noise, and run for 30 hours nonstop. If you're leading people, making big decisions, and trying to get big things done, you shouldn't be scribbling messy notes like back in the day. Get the tech that works as hard as you do. Visit plod.ai to get yours today. I think I just have a more pessimistic view about our finances and that we need to be more. Well, you actually know the numbers. So I can answer for myself.

24:47I can say that the reason I give us a one is because we have some retirement savings. Other than that, like the rest of our financial ask. Why does she think? Because she hasn't analyzed the numbers maybe as much as I have. Like she hasn't looked exactly at what's going in and what's coming out. Like I have a better sense of what's actually coming in and going out on a month to month basis. And I think that we need to make more changes for us to be able to get to that goal of getting a house. And, you know, we want to have a family. We want to have at least two kids. Like, so we need a house to be able to afford that.

25:16This is way too long of an answer for why she thinks it's a three. But you kept talking about yourself again. If you want your financial score, take the assessment. It is free at CalebHammer.com. Take the assessment. Figure out where you're doing well, where you need to improve. Just takes a few minutes and you'll figure out where you stand. And if you don't want to be like a guest who ends up on this show, download the DollarWise button app, sign up for the free version. And if you like it, sign up for the annual version, and that will save you a lot of money. And it also comes with the budget-friendly cookbook that I sign and mail directly to your door.

25:49And if you want to bundle it with all of our educational products together, join DollarWise Central, learn more, dollarwise.com. All right, we got to get into this because we're going to be here for my entire day and I got to do. Okay, Navy Federal, the one we make more than a minimum monthly payment on. Woo, we're so excited because we do so well. And spend double what we put towards. We just enjoy what we enjoy. Shut the fuck up. I don't think you actually think that. I don't think shut the fuck up? No, you actually wouldn't hear us want to talk, so. Huh? Huh? What? You just said something you've already said four times.

26:25I don't need to hear that.

26:29all right now navy federal oh good it's it's what happens with a higher income you get higher access to credit limits and then you just your entire life now luckily for what it's worth i will clarify from what i said earlier where it's like you know like your finances are worse than someone who's broke numbers on paper i mean someone who's broke sometimes that means oh and they might get evicted they're closer to eviction or not paying for a utility. I mean, you guys could be too if all your money is going to minimum payments. But obviously, you guys have tools like bankruptcy and that could get you to a solution faster.

27:01But I just mean more numbers on paper. But$22 ,099, what the fucking 70 cents? That's insane. What is going on with this car, big guy? That's kind of our catch-all account. I love a catch-all. But for the most part, I think a lot of our, like the extra that we spent on the wedding ended up going on to this account. so like you could not afford the wedding i'm okay with the wedding no we we saved for the wedding all right we saved the wedding and we did a lot better than most people do here but why are we comparing who gives a jerk yourself off harder big guy so we got so look we ended up getting we met in january of 2020 all right and we met in breckenridge in the middle of like right before the pandemic started oh no something else no one has experienced the pandemic okay continue we ended up what makes you such a unique butterfly uh what makes me a beautiful butterfly is the cocoon that came out of so unique beautiful not the same continue things you met during the pandemic yeah so we we ended up getting engaged in 2021 and we got engaged down in mexico city and what ended up happening is that we spent a week there and then we went over uh then we went to oaxaca for a week and hung out there and we talked about where we would want to get married and we decided that we wanted to do it in wonderful that gave you four years to save up money on a very strong income here's the fact i want you guys to have this wedding you can't afford this wedding in your income but you did it before you could afford it and you put it on credit cards like dumb motherfuckers who's accruing thirty thousand dollars and paid fifty thousand dollars and then he went over a budget which means you don't get to do it until you can afford it everybody goes over a budget everybody they have weddings.

28:47That's what my best friend told me. She's like, we went over our budget. Just prepare yourself. Maybe your best friend needs to be put down. I've been to a couple weddings this last year. They didn't go over budget. My friends. And they're my friends. But did they have reliable sources? Did they have beautiful catering? Was it a three-day festivity? It wasn't a three-day festivity because they're not... They're money. I mean... It's just a choice. We decided to spend the money there. Yeah, I chose to spend more money. Then you saved that more money that you could for more money over the next few years.

29:18Like, ever get there. We really didn't travel during that time. And, like, now we want to make up for that. We want to get our finances in a good place so we can travel again. You hear this? I hear your privileged mother f***. It's, we've worked hard. What is wrong with you guys? We make the money. We make the money. We make the money, but it's the entitlement to, like, oh, my goodness, we didn't travel. Oh, f***. We didn't travel. Oh, no. We didn't travel. Oh, my f***. You guys even hear yourselves. Like, yes, if you can afford to travel, do it. But I don't give a shit about the boo-hoo bullshit.

29:50If you can't afford to travel now, I don't give a shit if you didn't get the chance to travel a couple years ago. Wow. Afford it. Put it in the budget when you can. I don't give a shit. That's what we're doing. No, you're not. That's why we have a line item for travel in our budget. No, no, no, no. You have a quarter million dollars in debt. None of it's a mortgage. You don't have a line item for travel. So we're paying that off now slowly and surely. No, you're not. You spent more on this. Oh, my goodness. What a pointless back and forth. What a pointless dumbass back and forth. We are going on our honeymoon in Hawaii.

30:19So that's travel that we're going to make up. That's going to be great. It's like a dream honeymoon. Yeah, because everything has to be everything we want regardless of if we can afford it. And that's the last like large expenditure that we're going to have. Oh, yeah. We'll see. We want to have a kid. And then we want to buy a house. That's why we're having to reassess exactly where we're spending all of our money. That's why we're here. keeping the consumerism economy alive with your debt. That's why we're here. We need your help, Caleb. We need, we would like... Shut the fuck up. Have you heard this conversation?

30:52We'd like somebody to tinker with the finances, crunch the numbers. How much is a Y gonna cost? About$8 ,000. Doubt. It's what's been budgeted. It's what's already been spent. Yeah, but we know how you guys budget. So I'm guessing if it's$8 ,000 for you, it's gonna cost about$12 ,000. Based on how you guys do things. I was thinking$10 ,000. I think$10 ,000 is probably reasonable. Yeah. It's not that bad, man. It's not that bad. You have a quarter million dollars in debt. I don't give a fuck. I don't care. No. You are not entitled to this. But our household income covers that quarter million dollars in debt.

31:27I'm not saying that we're going to - No, it doesn't because you're just keeping it. You're maintaining it. You're replacing it every time. How else does not make sense? All it requires is taking a shift from doing that maintaining to actually spending the money on the debt. Like, that's all it takes to - But you're not. You're going to Hawaii instead. You're going to the house instead. What the fuck are you talking about? You're doing an offer-budget wedding instead. Yes, what you say is correct, but you're not doing it. That's what the next step is, is making it happen. No, it's not. Hawaii is the next step.

31:52Because Hawaii is the next step. After Hawaii, then we're going to make it happen. That's all. Oh, it's always after the next thing, after the next thing, after the next thing. I don't have any plans for October, November, December. We're not going to do anything. Oh, you will find them. You're going to stick it in. You're going to have a nice little blow up. We travel for all the holidays. We'll travel for Thanksgiving. We'll travel for Christmas. We're not doing that. We didn't do it last year. We didn't do it last year. We've already cut that travel out. Oh, we'll see. So the fact that you think that we're just going to keep doing it, it already shows a trend there that we aren't going to do it.

32:18It's based on a, and here we go. Let's use some YouTube commentary language. Pattern of, it's your pattern of history. It's your history. Right. It's your endless history. But everyone's history is not the prediction of their future. We can change our history. But it is the best thing we can use. It is the best thing to use for the prediction of the future. But that's not exactly what's going to happen in the future. I mean, we don't. Yeah, and your precious little brain, sure. And yeah, go get your pasty ass sunburn. That's fine. But what happens is most likely this will continue based on you have consistently done it without any changes.

32:55I mean, we do have my family's trying to do a Disney Alaskan cruise in like 2026. Just a little bit of honesty. We got to budget that in. I mean, that's not on our budget at this point. We have the points to get us to Seattle. That may be true, but that doesn't mean we need to spend it on. But it's my first cruise. I've never been on a cruise. And I love Disney. And it's my family. And my mom wants to do it for her birthday. Yes. But that doesn't mean that it fits into our budget. Like that's where we have to talk about these decisions that I've been saying. It's like we have the money to pay off this debt.

33:25But we're constantly paying for other things. But we're going to save for it. And we're going to go on the cruise. It's the same way we paid for the wedding? Yes. When we got engaged, my one rule was that she can have as large of a wedding, as big a wedding as she wanted, as long as it all was paid for in cash. And then we're doing Hawaii, and then we're doing cruise, and then we're doing whatever happens next. We're having kid. We're having kid number two. We're having kid number three. We're having house. Okay. Yeah, the minimum monthly payment on this is$367.41. Yeah, again, we've purchased$9 ,141, which is insane.

33:56Well,$147 of interest is accrued. How long does this take to pay off if we only make minimum monthly payments and we don't purchase what you're incapable of? Six years. Only minimum monthly payments? Without purchasing what you're incapable of. Six years. Minimum monthly payment is about 13 years, I'd imagine. Okay, 31. So well within our retirement years. But just to check, we didn't make the minimum monthly payment on that, right? Correct, because you spent more than double. More than the minimum monthly payment on it. But you spent double what you paid towards it. Right. Oh, my God. But we're paying more than the minimum on that, so we can start paying down.

34:29Okay. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. collaborated by experts with the lowest refund rate in the industry for a reason.

35:08And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to DollarWise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. DollarWise.com. Let's f***ing go. Is there a way to communicate with him? Like, I'm confused on how he's confused. No, he'll just fight back. You just got to keep going. Got to push forward. Push the conversation forward.

35:44I understand what you're saying. How do you have disagreements with him? What do you do? Well, we're, I'm... Do you ever resolve? Yes. So before I used to work in, before I worked in market research, I used to be in mental health. so I use a lot of like my mental health tools and now we're in couples therapy so I know you know how to maneuver it. Why are we in couples therapy? Communication. We have two different communication styles. I want to address things head on and she wants to take some time to it. Obnoxious and delusional. I mean. Better than belittling. Well it could be. Yeah. If only we signed up for it.

36:25Yeah. Well. Communicating together though that's how we actually get through this budget problem that we have. So that's what we're going to work through when our communication style is to get on the same page. How long have we been in this couples therapy? Like a month. It's a new thing. She's great, though, and she's completely supportive of us, and she thinks we're doing a great job, so it works. And the point is to build the foundation and nurture our relationship. I'm sorry? Pop a baby out? is it time? I mean I'm 37 if we can't communicate I know but if our communication is rough we are so we're usually able to resolve it either way I wouldn't say that but if it was healthy it wouldn't be going right?

37:10but it is that's what it is we are healthy like we're trying to make sure that we're improving it and making it even better like it's not that we have unhealthy communication it's that we want someone to help us improve where our communication is so that way it's better in the future I'm good with couples therapy I think everyone I think every couple should be in couples therapy regardless of where they are. And I think everyone should be in therapy regardless of where they are. But there are enabless therapists out there and that's what we want to avoid. I'm not saying you have that, but that's what a lot of people get in.

37:39Yeah. Especially like the f***ing like latte makers. Latte makers? Yeah, they get into a lot of f***ing enablement therapy and they blow up on two chucks. I see what you mean. Like a barista? The typical people that come on your show. Yes. Yes, you're so special. I mean, we have a lot of different accounts that we can use. I've had high-income earners before, you know, like similar scale. Yeah. Do they have a quarter million dollars in debt, though? Probably. I don't remember. We filmed four a week. Three and a half years. What's that? What's the math? I don't know. I don't care. Oh, okay. So, yes, I don't remember every person's number.

38:19Definitely remember faces I hate. Okay, so what did we spend on here? the necessities. Well, it was Junior's Comics. It was Space Goblin, Bat City, Bat City, seeking tickets for$525 because we get to live, guys. We make money. Her family was in town that week. See, there will always be something. No matter what, there will always be something. We bought tickets so that way we can all go to the game with it and we sold our tickets so that we offset the cost. But yeah, there's additional costs. There will always be something. Yes, I chose to take them to the game instead of them having to pay for it themselves.

38:57There will always be something is the point. I'm not saying it's a horrendously evil or bad thing, but there will always be something. And learning to say no to the things are the things that, that's going to be the difference between the 4 ,000 and the 9 ,000 that you see on there. Guys, if I completely change my behavior now, everything will be 100 % perfect. Yeah, what a great answer. Fantastic. Like, what the fuck am I doing with that? It was the first time they visited Austin. We wanted to take them to a game. I got them little jerseys. It was super cute. Well, yes, you went to an Austin FC game because our city is so great.

39:24We only have one professional sports team. What a major city we live in. It's because college sports has been more important here. But that's... Yeah, no other college towns have professional sports programs. Especially when they're the 11th most populated city in the country. We haven't always been the 11th most populated city in the country. But I haven't always been is what the statement was. It doesn't matter. We are. So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum? Get optioning those options. We could lose everything.

40:06Or, let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. Subaru Starlink. That was for Pittsburgh. That was an NFL team. I don't want to f***ing hear it. We haven't always been the largest. What does Subaru Starlink have anything to do with Pittsburgh? Huh? Huh? What does Subaru Starlink have anything to do with Pittsburgh? No, you're right. We haven't always been the 11th most populated, but f***ing Pittsburgh. But they were one of the original teams in the NFL. Like, how are you going to... It doesn't matter.

40:39It's just the city f***ing size, man. This is ridiculous. This is so stupid. But Austin wasn't built up the same way the Mid-Atlantic... Space Goblin? What is a Space Goblin that is popping up every second of our life? So a hobby that I have is collecting Pokemon cards. And so the every financial thing we can do that is just an absolute mess. I never said it was an investment. I'm not I'm just saying you have it. I'm not saying you think it's great. But it's just a hobby though. It's not an investment vehicle. What? Did I claim it was an investment vehicle? You said everything that you did with finances, I could be wrong.

41:20Oh, no, I'm saying you have everything that is— Why is he defensive on just nothing? Like, that wasn't even a thing. I'm just saying he has every aspect of bad finances. Like, what the f*** are you on? Dude, f***ing Green Bay, Wisconsin has an NFL team. They got 107 ,000 people in their city. Again, one of the original teams, they started the league. So it's not exactly the same comparison. But it's fine. I get it. You want to find something that supports your Midwest lifestyle and makes you feel better about coming from there. Huh? Huh? Midwest lifestyle. Yeah, yeah, yeah. You're Pittsburgh, Midwest.

41:49You know, you can't let them be a mid-Atlantic. They had to be Midwest. And then now you're bringing up Green Bay as well. So maybe just being in Texas has rubbed you the wrong way. You need to go back. No, it's just that we don't have the amenities that other large cities have. And it's disappointing, including aquariums and zoos and museums that are world class. But can you go hiking 10 months out of the year in Green Bay, Wisconsin? That's not exactly it. Why the f*** would I be advocating for Green Bay, Wisconsin? You just advocated for it. No, buddy, I'm saying they have 100 ,000 people. It's silly that we don't.

42:18We do have 100 ,000 people. Why are you fucking sucking on the balls of Austin? Because this is where we live. We should enjoy the city that we live in. The dude finds everything such an attack against himself. I just tune him out sometimes. Yes, I can see why. This must be the most miserable relationship we've ever lived in. This is insane. How do we even have these conversations? What is happening? Like what the f*** Oh my gosh man Just bringing up An instance where A substantially larger city has one It would be cool if we had one That's not an attack against you I'm just getting Thrown off when you injected In the middle of the conversation about Welcome to the show you applied for that you're a fan of You dumb f*** Thanks, happy to be here Okay, certified trading card another Pokemon investment.

43:14Okay, so we're doing those forever. So, yeah. So with Pokemon's I'm immediately seeing minimum$450 so far. I'm not halfway through the statement yet. We are spending more on this card than we are putting towards it. He's supposed to have a$100. We both have a$100 fun fund limit a month. That was already broken and we're not halfway through this. You mentioned that you were only spending$100 a month that like from our joint bank account, I always take the 100, use my other bank account. And that way I can keep myself in check. You told me that you had already spent your 100 for the month. I didn't realize you were spending 400 in Pokemon cards for the month.

43:54I went over the limit. I have a bad habit with instant gratification. Oh, he has a bad habit. So it's okay that he went behind your back and went against his word. He has a bad habit. That's all. So he does tell me when he's doing things? He's f***ing other women. It's just a bad habit. He's injecting heroin. It's just a bad habit. I would never do that to her. And I don't appreciate it. It's an example. Yeah, sure. I don't care if you're offended. I'll spend things on whatever the f*** you want, but I'm not going to spend it on. You hear that? He'll spend it on whatever the f*** he wants. But I'm not going to do it.

44:23I'm going to sleep with other women. It's a bad habit. It's a bad habit. So it doesn't matter. Anyhow, I did spend more than I expected to spend. And that's because I got too excited and got too into the craze and the trend. And I shouldn't have spent all that money. And so that's why I told you I'm not spending any more money on it for at least the next few months. And it's not like this is another indication of pattern of behavior because it's not like he ever quit a job and lied and didn't tell you about it. I forgot we told you about that. That might have occurred. Yeah. Extra value meals are back.

44:56That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only, prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California, and for delivery. Yeah. I was working for a big tech company, and they didn't treat their employees the way that I thought they should when it comes to return to office policy. Great. Why'd you hide it from your wife? Like, I don't give a fuck about that. Congratulations. Quit. Tell your wife. Because I didn't want her to stress out about it. What a fucking cope. Yeah. It worked out the wrong way.

45:31Oh, you lied? That worked out the wrong way? Yeah. Did you hear how I found out his boss called me? He's like, we haven't heard from him for two days. I'm like, what do you mean? He told me he was at the office and he just came home. I had sent my boss. What were you doing instead? Were you pretending to go to work? My full time job. My full time job. He was pretending to go to work. My full time job was finding a job at that point. So I was applying for like 45, 50 dollars a month, 45 or 50 jobs a day at that point. Oh my goodness. That is crazy. You're pretending to go to work. OK, now I don't feel bad for the cheating analogy.

46:02What the is that? That is crazy. What kind of person hides that kind of s*** in their partner? Someone who's embarrassed to admit that they're going to have to switch jobs again. Because I switched jobs just a year before that. So I wasn't proud of that decision, but I am highly employable. I was able to find another job within six weeks at that point. So that's what I ended up doing is that I took the next four to six weeks, interviewed and found another job after that. And he did pull his weight around the house. Like I didn't have to worry about like cleaning the house. Well, you better not.

46:36He was unemployed. Yeah. The approach was wrong. And we talked about something from your wife. We worked it out. We worked through it. And that's why last month you spent more than you guys decided was the fun money. And then she only finds out on the show where the finances are talked about. She found out the number. I have a sneaking suspicion that she knew that I was spending a little bit more than I should have. I genuinely thought it was a little bit more, like$150,$175. I didn't realize it was$400. That's a good statement, yeah. Because let me tell you, there's many more Pokemons coming down this list.

47:08The vending machines that are near apply. What's eBay? $83. And eBay,$293. Those are Pokemon cards. Okay, Pokemon is now up to$700. It's probably going to be over$1 ,000. What the fuck? That's more money that I should have spent. Dude, you just got buddied by your wife. She just laid down a buddy. You're in trouble. Well, yeah, that's something that... Come on, man. That doesn't help us get to where we want to go. That's disappointing. Yeah, thoughts on that? I'm very disappointed. Like, I've... I spend... The most I spend on is, like, Sephora for my skincare. But I try to be really diligent about if I don't need something, I'm not going to spend on it.

47:57I haven't bought new clothes unless I have an event to go to. Like we use all of my paycheck to pay debt and then my$100 fun fund. And then everything else goes to his credit card debt. And it's like I can, we can use that to actually chip away at debt. But I didn't know that you're spending$200 on Pokemon. Yeah, that's not what I need to be spending money on. I'm not spending that much on my hobbies because I want to. Like I want to spend more on my hobbies, on my dance hobbies. And I just don't because I figure we don't have the money. And it's not fair that you spend a lot of money on your hobbies.

48:45And you tell me like, no, it's just it's$100, give or take.

48:51I thought that I could relive some nostalgia. and I got caught up in the excitement of reliving things that I wasn't able to have when I was younger. But that's not an excuse. It certainly sounds like one. It doesn't excuse the behavior. It is an excuse. Thank you for correcting my English there. But that is why we're over on that card this month. And it's the reason that we're spending more than we should have. I'm spending more than we should have. You know, the Sephora is working. You guys both have good skin. Thank you. I thought Mara was like 31 before you guys told me your eyes. Thank you.

49:24It's actually working. Usually people look older on this show. You guys look younger. I see the grade coming. It's coming strong. What's your favorite food? Probably Thai food, pan and curry. You know, you know, when you guys have a kid and we're talking about getting food and he's going to be like, let's get Thai. The kids are going to be like, no, can we get burgers instead? I like burgers more. He's going to be like, no, actually Thai is better. And you know, the history of Thailand is a much more populated country and actually burgers haven't been around as long. They haven't been around as long.

49:56So actually, we should get typhooned and you're actually really wrong. It's actually funny because that's how I talk too. So I'm making fun of myself. I think he'll be a great dad. I think we're a perfect match. Are you free later? Let me be real with you. You can't fix your finances if you're running on four hours of garbage sleep every night. And I'm not talking about staying up late grinding. I'm talking about tossing and turning, overheating, waking up more tired than you went to bed. That used to be me until I tried eight sleep. Their Podify system completely changed how I sleep. It's a smart cover that goes over your existing mattress, tracks your sleep, adjusts the temperature of each side of the bed automatically throughout the night, and shows your sleep score backed by biometric data in the morning.

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51:16Start by getting some real sleep. Whataburger. I'm going to consider that fun again. Bat City. DoorDash Curry. Well. Oh, that Texas curry place that wasn't very good. Texas curry. Best Buy. We spent, well, that was only eight bucks. eBay. More Pokemans. 72 bucks there. Dick's Sporting Goods. Best Buy. 139. Bat City again. 146. Bat City. Is that also an MC? Game Shop. No, it's a Game Shop. collectibles. Dude, okay, so we're at at least easily at like$800, $900 for that. GameStop, Donkey Doughnuts, Pokemon, Pokemon, Pokemon, Pokemon, Great Outdoors, there's$103 for... Great Outdoors is a... We bought a ficus plant, or it was a fiddle fig plant.

52:02It was totally fitting in the budget. Okay. Guys, it was a plant, so it's okay. Our dog's really reactive. It was necessary for... We put it in a big pot and put the pot in front of the window Curtains are cheaper. In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middleman.

52:45He'll tear them up. It also blocks all the natural money into our house. $103 for eBay. So there's that. Door Dash donut. Great. So that was$9 ,141 spent. That is insane. And that city limits Subaru,$2 ,773. That was a new car that we bought. Yeah, that's the down payment for the new car. On a credit card that is growing interest that we cannot pay off. Well done. Guys, you really are unique. You really are special. But we paid more cash out of our savings. Gosh, that was one card. I'm going to die. Okay. SoFi. What's going on with this? Add a 19 % interest rate of f***ing death. What is this?

53:23Is that the first one or the second one? What's the balance on that? How the f*** do I know what order? The balance is$23 ,044.03. So we took that. It was a debt consolidation loan that we took out back early in our relationship. The whole goal was to consolidate all of her debt under my name as well as consolidate some of the debt that I had from the divorce that I had gone through. Why aren't just your name specifically? I got the debt off of her account, off of her name, so that way her credit score would be high in case we needed to do any spending. My debt was lower overall. And now? It's still low.

54:02She still doesn't have any debt under her name. It's all you. Yeah. It's all me. Jeez, for f***s sake. Okay. But she has an 800 plus credit score, I think. Yeah. I'm very responsible with my finances. Well, how do you feel to be attached to this? It's stressful sometimes. $23 ,044 at an 18.83 % interest rate with a minimum monthly payment of$623.67. That's insane. Yeah, it's stressful. But did you think? You didn't think of the counter argument. What about Pokemon, though? I mean, that was not a thing four years ago when this happened. It's only in the last two months. That excuses it. No, it's not something that's in thoughts whenever we took out this loan.

54:39That's all. I'm just talking about how she's impacted. She said it's stressful. All these finances are stressful, yet you're going out there and blowing on Pokemon? The f*** are we doing, selfish? Especially when you agreed on what the fund money spent and you spent minimum 10 times that on Pokemon alone. 10 times what you guys agreed to be the fund spending. I tend to indulge more than I should. You tend to go behind your word and what you agree on from your wife. Oh! There's another. There's this so far. $72 ,000,$2 ,022. What the f*** is this? That's another debt consolidation loan. Oh! Say, guys, why?

55:24That was the recent one. Recent! So we had to do it again! Whose debt did we consolidate? It was our debt. So you had debt? A lot of these expenditures. Very little debt. Not too much. When was this? around the wedding? May or June of this year. A lot of the costs that were on that was consolidated here was like travel to be able to go do planning in Oaxaca for the wedding and going and traveling to see her family and going to Disneyland and traveling to see my family. Yeah, let's take out a 13 % personal loan for traveling. At$70 ,000, I'm going to die. We took out the loan so that way we could lower the interest rate.

56:12We'd already spent the money poorly. Doesn't matter because then you're just going to build. We spent the money poorly on 25 % interest, and then this one lowers the interest rate here. Okay. And did you consolidate the Navy Federal on this? No. The Navy Federal was not consolidated on that. The Navy Federal was not consolidated. No. We consolidated an Amex card and a Southwest Chase card on that. Amex card, Southwest Chase card. Okay. Was it the Skylines? Sky Miles. Yeah, it was still spending on that. And what was the other one? Southwest Chase for myself. I see a balance of 1 ,647 coming up on a Southwest card.

56:48So great. Worked really well. Okay. We have a minimum monthly payment. This is crazy. $1 ,335.37. This is crazy. Did you just moan at me? No, I just had to drink some water. Boost that audio.

57:08What? I'm not moaning at you. Does he do that every time? He makes little bear noises, yeah. That wasn't a bear. That was a fucking orgasm. No, he'll be eating and he'll get really into something. He'll be like, mmm. And he'll do a little moan. Yeah, he just makes bear noises. That's what he does. It's sweet. It's endearing. Apparently, I moan at people. Good to know. I'll keep an eye out for that or an ear out for that in the future. Okay. So this is fucking crazy and this was just taken out. this is going to take forever to pay off. I mean,$70 ,000,$2 ,000 a month. Yeah, roughly about 35, 36 months.

57:44Like minimum payment? But if we pay more. Sure. No, minimum's$13 ,000. Yeah. We'll pay more. I hope so. I certainly hope so. I mean, you guys, again, he spent$8 ,000 on bulls**t on one card. $9 ,000, sorry. He got called out, hopefully. He knows now. I hope it wasn't$9 ,000, too. But yeah, we spent more than we should have on that card. And this is all part of our plan. Glad you have a plan. I just wish you did any of it. And again, this is why it's like it's no point. No point of me listening to it. Okay. A little bear noise. Did I do it again? Why do you call that a bear noise? It's. No, I'm not even kidding.

58:23Boosted. I'm not even kidding. How is that a bear noise? I don't know. It's probably a little bear. I think it's, I tend to take deep breaths to like, and then release my stress. So maybe that's what's being caught is whenever I breathe out after taking a deep breath. Like. I don't know. I just, I link it all under bear noise. Okay. What's up with this Visa Community First Platinum Rewards card? I think, so that's a card that hadn't been used in a long time. And we started using it to kind of capture all of the honeymoon costs that we're going to have. So that way I can keep all the costs that are related to the honeymoon.

58:58Yeah, great. Now, minimum monthly payments alone are going to be 15 years. If you do minimum monthly payments, no purchasing, which something will always pop up. Minimum monthly payment, only$44, which is that's why it takes forever. Balance is$2 ,185.27. We could pay that off in a month. Yeah, certainly. If you do not purchase, yes, you can. You just always purchase. So that's why, again, that statement means nothing to me. You don't get to say that if you have not been doing it I could say a lot of things that I'm going to do We've been making that much in payment on debt He doesn't understand the difference of when you then go build it back up again I'm going to f***ing die eBay, 132, hey, guess what, more Pokemon More Pokemon on your honeymoon card But he's using it to track it, lady He's using it to track it I don't know what you want me to say to that, Caleb I don't know.

59:55I'm just telling you because you probably didn't know. No, I didn't know. But we spend on every one of our cards to keep it rotating to help our credit score. Charters? What is this charter? Yeah, that doesn't mean push the bounce. Yeah, that's the... That's a boat tour in Hawaii. It's an activity while we're in Hawaii. I think that's... Equibase Company? I don't know what all those are. I'm not sure off the top of my head. That's great. Acquisition Ace. Oh, that's a... We were talking about getting into business acquisition as a way for her to do something different with her career. Oh, but he's using this to track his spending on the honeymoon.

1:00:34So business acquisition. She knew about that expenditure. I told you that. I told her about that. She knows about that. It's not the purchase alone. You say you're using this credit card for the honeymoon stuff to track it. But it's all other stuff except for one. And then Target 54. And then, hey, guess what? Another$139 of Pokemon ends. We're at about 1 ,300 of Pokemans so far this month. This month? Well, the month we're reviewing. Over the course of July and August, all these don't align the same way. 1 ,300. That could go towards debt. Could go towards whatever you guys want. That's a lot of money.

1:01:14Wow, so let's take a look more into these analytics. It is a lot of money. And I acknowledge it. I told you about it. yes, I wasn't honest about the full dollar amount, but it's something that I'm not happy about. It's something that I'm embarrassed about. It's something that has to not be spent anymore. Why didn't you tell me it was that much? Because I'm embarrassed about it. I don't have a better answer for you than that. But that's what he says every time he does something he doesn't tell you. And that's what he'll say every time he does something he doesn't tell you. Because that was his excuse for the cigarettes.

1:01:41That was his excuse for quitting the job. That's his excuse for the Pokemans. So next time he does something, he'll just be embarrassed. So that's why he won't tell you. a it doesn't excuse the behavior but it's shame and guilt and embarrassment I think he'll learn. It's not three strikes? Okay great. Yeah that's what this is going to be really productive. Marriage is not three strikes. No it's not. You don't know Caleb you've been single for the majority of your life. How long have you guys been dating? For five years. Okay that's not the majority of your life you dumb. But either way. No your life.

1:02:13No no no. I know but if we're going to use the same thing it's like that's not the majority of your life. Right but we waited until we we're in a good spot in our own lives to find somebody. Yeah. To start like dating seriously. Yeah. Yeah. I, before him, I only had like one serious boyfriend. And you cannot use that excuse. You cannot say that. No, I can absolutely say that. What do you mean? Because the exact, okay, that doesn't matter. Marriage is not three strikes. No, and it doesn't have to be. I'm not saying that, but you're just using that. Oh, he'll learn. After he continues to do this.

1:02:45Well, we are. He'll learn. It's so productive. It's going to go so well. What is this, soft parenting your husband? That's turned out well for an entire generation. Yeah, give him an iPad. Yeah, give him an iPad. It's going to go really well. Okay. Well, I don't... I don't know. I have to fix my behavior. I know that doesn't change anything and whatnot, but... I'll give you some cocoa lemon and you'll wind down. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads.

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1:03:41I don't think he understands. I don't know what Coke of Lemon is, so I have no idea. Okay. Are you going to be a same-home mom when you have a kid? I would love to, honestly. Okay, so that's going to immediately eat a big chunk. I don't think I'm going to because I don't think we are in a financial spot to do it, which is why we were looking at that like, what is a business acquiring thing? And what is that going to do? You're going to spend money to acquire a business and then do what? And then she'll be the main operator. That'll be her job instead of her working. Working remote as a main operator?

1:04:12No, it could be something local. It depends what kind of business you acquire. Have you guys ever ran a business? My mom did. I ran a business. We can use this for the long-term relationship excuse. Have you guys ever ran a business? No. Okay. I've run my own consulting firm before. And? And I didn't enjoy doing that work on my own. I was going to say, you're certainly not doing it now, so I don't think it worked out very well. I chose not to continue doing it. Yes, that's correct. How long did you do it? I did it for about eight months. Okay. I think you think that's going to be a lot easier than it really is going to be.

1:04:43Maybe. I mean, I remember my mom working like... What is it? Acquisition.com? fucking Hermosi's thing? No. Acquisition Ace is something different? Acquisition Ace is something different, yeah. Yeah, I've never heard of it. What are you guys going to spend on a business? No more than... Because you have a quarter million dollars in debt. What are you going to spend on a business? Like no more than$300 ,000 is what we said, right? No. We would get a SBA loan and then work with somebody to hopefully find someone with some seller's financing as well would be the goal. But that's why it was something just to look into and learn about what that...

1:05:18And then we're also getting a mortgage. And then it's just like, oh, we're about to be a million dollars in debt before we know it. But there's just one potential avenue to look into and educate ourselves on. Like, I think spending a couple hundred dollars to educate yourself about what options are out there for you to change careers isn't an unwise investment. Yeah, but no, no, no. It's an unwise move if the entire tent is to keep her at home and you think this is the way to do it. Like, that concerns me because I think you think it's going to be easier. I'm not saying it's going to be easier, But her being a stay-at-home mom and her being a business operator aren't necessarily like they aren't like the same thing.

1:05:51Yeah. I would see my mom work like 14 hours a day to run her small business in our hometown. I don't want to do that. But I don't mind like overseeing businesses that we already own and like hiring managers, hiring other people to help run it. And then I'm, you know. Good luck. Let me know how it goes. Target, target. Oh, here we go. Guess what? These next numbers I'm going to read are all Pokemans that I did not see yet. $54. $54,$324,$61,$102,$107. So we are 1 ,700, 1 ,800 in Pokemans? Are you serious? Yes. Oh, yes, he is. Tim. I have no words. Dude, that's not okay. That's like an unlimited year-long pass to my hobby.

1:06:50Do you want an unlimited year-long pass to your hobby? I mean, we can't afford it. That's what I've been telling myself.

1:06:59I can't spend that. I need to spend less. I'm concerned about the, maybe your therapist can work on this, where it's like, I think your version of resolving conversations is we're not, we're no longer talking about it instead of actually achieving a productive ending. Because every time something comes up, it's dude, that's not okay. He's like, yeah, it's not okay. And then the conversations ended, which means that we never fix this in the future. It just happens again. And then you're like, dude, that's not okay. And he's like, you're right, that's not okay. And then it happens again. Then it happens again.

1:07:33It's like, what the f***? I mean, I take his word that he's - He's broken his word many, many times here. Come on, why are you taking his word? I mean, I didn't realize... You love him. That doesn't mean he's the most trustworthy person. I didn't realize the Pokemon was as bad as it is. I knew it was a little out of hand, but like I said, I thought it was$50,$75 out of hand, not thousands.

1:07:58I'd say there's probably a bit of a gambling addiction element to this. Because that's the whole fun of it, right? You buy them, you open the packs, and hopefully you get something big. Is he throwing out the word addiction for cope and sympathy or is there something real with this? Because with him, I think he's really good with his word. I think he is very good at manipulating. Never. I don't think it's ever been diagnosed, but he has told me from day one he has an addictive personality. And I believe it and I see it. And I also think it's a little bit of ADHD brain. So not necessarily autism, but definitely neurodivergent.

1:08:32There is autism. Oh. Yeah. I don't deny that in the slightest. But he will go ham into a new hobby or topic of interest and he'll just go, go, go, go, go for like a couple of months and then he'll just dip. Me too. I'm that same person. I'm that same person. Listen, someone types addictive personality cop-out for bad behavior. Maybe. I mean I would define myself as addictive personality too so I don't necessarily agree. Well, it's not a – you might be using it as a cop-out. But I have that similar thing. You know, we're both similar. We're both with our words. We're both combative for no reason.

1:09:08And we're both probably and we're both, you know, money obsessed and we're number obsessed. And we get addictive personalities and in hobbies. We get that. However, buddy, first of all, I'm seven years younger and I have figured out that, oh, maybe I shouldn't do this hobby right now because I will fall into it and it will be 100 percent my life and I will blow all the money to do it. I tell myself that. I moderate myself. Because if you're able to tell yourself you're an addictive personality, you know then what not to do. Because you can no longer self-admit that you're an addictive personality but then just give in to it.

1:09:46Because that's not how it works. If you're willing to accept it, then you're just going down that addictive train on whatever the next thing is. You're just not giving a f***. So obviously this card's not great. Spending not even close. 17 % interest. Okay. Best Buy. What's going on with this? Oh, good. We spent$1 ,686. That was a - Hey, how'd we spend more than we put on cards? Hey, but I put more on cards. There's like, it's nothing. That was a purchase for my nibbling because they're going to college in the fall. What the fuck? It's the gender neutral term for niece or nephew is what I've been told.

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1:10:49So I helped them purchase a laptop for their fish conservation degree that they're working on starting this fall. I have a question. audience i have a very gay lgbt gay man to my right named colton hi colton nibbling's kind of isn't it look when he told me i have no clue it existed okay good that's that's the dumbest thing i've ever heard in my life i don't disagree i'm just using the words that i've been taught by my younger generation uh and trying maybe not everything needs to be respected They needed a laptop for school. Their department recommended a certain level of specs when it came to a laptop.

1:11:35I worked with somebody. What major are they going into? Fish conservation. Okay. So when they make me my they-them latte, it'll taste incredible. And I will be very happy. And I don't think they needed a laptop for that. For them to be able to run models, should they be able to? Also, by the way, why is it you doing it for a nibbling? Like, why aren't the parent team doing it for their own childling? So I have a very close relationship with my sister and her kids. I lived with them for a few years. Great. So it's still their kid. It is. And I decided that I wanted to help out. Like, I wanted to help them be able to get what they needed.

1:12:15Even though you're completely financially. That's smart. Well, yeah, that's true. And so I chose to help them instead of prioritizing my financial goals. But I remember going to college and being given for my technology needs. And I just didn't want them to have to go through the same struggles that I did. He has a very big heart. So that's why he offered. But I did insist at the very least that he ask his sister to contribute some because he was about to just buy it flat out. And I'm like, no, no, no. It's let's put in let's set those boundaries and let's see how much your sister can put in. I have a boundary.

1:12:52Okay, that boundary is you paying your payments on time and you've had a late fee this year on this card. I have? Yep. No. Not that I'm aware of, but. Well, now you're aware. How much was the late fee? $30. Okay. Which is the standard late fee. It's usually$30 to$35 depending on the card. I'm genuinely surprised. That's so bad on your credit. I highly, it didn't probably hit as a missed payment, which is what would hit the credit. Late fee is more that he's just giving the bank more money. If it was late for a long time, it would be a mispayment that would fuck his credit. Okay, okay. So that's not our worry.

1:13:25But the worry is, one, disorganization, indicative for the future. Two, he didn't even f***ing know it until I was saying it now. And three, it's costing him more money. It's costing you guys more money. It just means paying off the debt slower and slower. You ever try hiring someone? It's like online dating, but instead of getting ghosted after the first date, you're ghosted after reviewing 300 resumes. You post the job, then sit back and wait. and wait, and eventually sort through a mountain of kind of maybes who either don't respond or already took another offer. Or worse, you find great candidates, but they're not even looking.

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1:14:40And if you go to ZipRecruiter.com slash Caleb right now, you can try it for free. That is ZipRecruiter.com slash Caleb. ZipRecruiter, the smartest way to hire. Listen, I mean, all right, I am recommending for people like you, again, it's like something like the Fizz card, debit card that builds credit. Like, that's fine. And you guys don't need it for your career. So gift it to fucking Nibbles. Nibbles. Mr. Mr. Mrs. Mrs. I can't say that either. I always put Mr. and Mrs. before things Okay, so we have a Southwest Rapids reward card This is one that we consolidated at some point It's probably yours Yes Alright Well, we purchased$1 ,723 after payment and stuff A little back payment We got$1 ,647.64 owed on it With a$40 payment $159 of fees were added Cash advance$154 dollars uh the fee that if it's a cash advance fee then that means it probably was used to pay a vendor for the why are you doing that on this card that would have this because you've had 337 dollars of fees this year so far on this card that's 337 dollars that is not an insignificant amount of dollars also a thousand 367 dollars of interest this year so far when we had to make payments when we had to finish making payments to vendors in oaxaca we had to do that through Wise app.

1:16:05And that's where all of the... So those are money transfers. But why not on your checking instead of a credit card where you're getting obliterated? This is one of the costs that went over. We didn't have the cash for it at the time. Then we don't do it. It's as easy as that. He also has ChatGPT on here. What's the Cane Center? Oh, the Canine Center. We're training for our dogs. Training, training, training, training, training, training. Austin FC again. $1 ,229. We're season holders. Yeah, the season pass holders. Dude, come on. As a guy myself, I mean, here's the thing. One, not that great. Is this the season we're getting season tickets to?

1:16:43I wouldn't say so. And no, this is your annual membership fee, this one, but we've had$337 of fees this year. Oh, and there's the transaction fee as well. Yeah, so I mean, most of the charges on that card, just for the canine center, we send our dogs there weekly for tutor and recess. Just a little like doggy daycare. and to work on the training. It doesn't even be working if we have to buy a plant just for them to not destroy the house. No, it's working. He's gotten so much better. He was super reactive and now he's getting better about walking and he listens. PayPal credit. What's going on with this?

1:17:16PayPal was one of the accounts that was consolidated on the second consolidation loan. It's really just like a catch-all account for online purchases. So many catch-alls. $949.87 with a minimum payment of$30. five years to pay this off got Apple Bill Apple Bill one was$359 who knows what the fuck that is oh good here comes another hobby PlayStation Dice Legend oh that's just Dice for my D &D group great let's pick up a tenth hobby that costs a ton of money Love Alchemy great Domino's Ultimate Guitar or Gear I'm not sure Apple Bill yeah Ultimate Guitar is an app for tabs and stuff like that YouTube TV maybe and Patreon membership YouTube TV yeah and then $61 on Patreon what the fuck what do you have a Patreon for?

1:18:05$61 too it's for oh Dan Carlin yeah for who? Dan Carlin Hardcore History how much content does he put out on his exclusive membership? oh my god he puts out like one every other year great and we do three premium shows posted every single day for Hammer Elite which is literally a sixth of that cost three premium shows posted every day, Monday through Friday. That's wonderful. What a use of money. $30.39. I mean, I appreciate supporting the creator. You can't afford it. Don't do it now. Amazon Chase Card. That's mine. That's yours. Oh, crazy. That's mine, but I am not the Amazon spender. Who is?

1:18:44We both buy things on Amazon. We do. It's not just me. No, I don't frequently buy. I'm one that, like, if I need something, I'll go buy it at the store. I'll go physically buy it at the store. $210.11, $25, 10 months to pay off. Okay, it's all Amazon. There's also Animal Draft House, Prime Video, Prime Video. Pool Burger. It's not even all Amazon, of course, interest this year so far. I bought lunch for my family. We don't always pay it off. Someone pull up the Amazon. I don't have the app, but I can pull it up on the website. Whoever has the app. Guitar pick. Yeah, he'll spend unlimited money on all his things.

1:19:17Sour strawberry sugar-free chewing gum. That was to replace my vape habit. This is all crazy. Okay, that's good. Secret Hitler. I mean, it's fun, but you don't have money. It's the game that we played when we met, the day that we met. He came over to play Secret Hitler. It's a nostalgic purchase? A little bit, yeah. We enjoy playing board games. Well, that's not a two-person game. No, but our friends enjoy it, too. We enjoy hosting and having friends over, too. And it's free if they come over and play. Quicksilver, what's going on with this card? That's me. I pay it off every month, down to zero, on time.

1:19:51No, it just is accrued this year. Okay, yeah, I'll cross that off. Okay, but it was still$414 of purchases. That could have gone over with paying off that. And it's Marshalls. It's Alamo Draft House. It's Fetty. And it's Fetty. I think I get points for ride shares. Wonderful. Great. We're spending money we don't have. I'm thrilled. Southwest Rapid Rewards. That's mine also. Total fees. Is there an annual fee on this one? I don't know. Or is that two late fees? I don't know. 70 bucks of fees this year. Probably annual. I can check. We'll see. I don't know. Every single credit card. It shouldn't be a late fee.

1:20:23I've never been late on any of my payments. You didn't think it was either. I won't write it down because they got no interest accrued this year. By the way, yours that sometimes get paid off have had interest this year, so I'm putting down the balances, by the way. Taco More, Uber Eats, Hulu, Habo's, East African Restaurant, Paramount Theater, Spotify, Netflix, Line Hotel Restaurant. It's just eating and going out and blowing money constantly. You guys live such an insane lifestyle. We just go out and have a good time. That is as clear as day. You did not have to tell me. Sometimes we're really tired and we don't want to cook and we...

1:20:58Yeah, a little boo-hoo. Meal prep, you tit. We... I like fresh food. And I don't like leftovers more than like two days. I don't care what you like. I'm talking about paying off debt, you f***. What are we doing? I don't know what those charges are. Mythical store? Like GMM? Oh, yeah. Yeah, yeah. Good Mythical Morning. Hey, listen, they're doing very well. You're dying in debt. What are we doing? Alamo Draft House, Domino's, Liquor Store, Dash Patch, Lady Bird Society, Lady Bird Society. Oh, that's hair. Walking Yoga, La Combine, Summer Moon Coffee, Alamo, and Space Goblin again. So there we go.

1:21:39Add 15, 16 to the Pokemon. A lot of interest has agreed this year so far. But this is$32, and then this is paid off. So what the fuck are we doing? What are we doing? This is just so fucking moronic. Did you find out it was an annual fee? No. It was late fees. No, I don't know. It was late fees. No, I don't know. If it's not annual, then it probably was. I don't think it's an annual fee. It's probably two late fees. You said$70,$35 a piece? I think it's two late fees. No, there's no way I pay that off. I mean, here's the thing. I don't know how to find it. What's the card? Specifically, what's the card?

1:22:13Southwest Rapid Rewards.

1:22:18Southwest Plus. I'm looking it up for you. Nope. does not have an annual fee. Oh, wait, wait. Rapid Rewards, not the Southwest. Rapid Rewards, credit cards. Wait. Oh, there is an annual fee. None of the current consumer business are fee free. Okay, this doesn't matter. Okay. Here we go. Discover card. What's the balance on this? Because I don't see. You didn't send a real statement. Yeah. Probably zero. I pay off all my cards. Down to zero. I hope so. Sephora, Amy's Ice Cream, El Pollo Rico, going and getting some BS from the gas station, Golden Corral, Amy's Ice Cream, Golden Corral. Oh, I had a craving for that.

1:22:51Yeah, we gave in to a craving there. I think that's the first time either was eaten there. There's so much good mac and cheese here. I know. It was very disappointing. Yeah, we're never going back. I just wanted mac and cheese, mashed potatoes, and a dinner roll. I bet the mac and cheese pizza from CeCe's is better. A lot of these cards that have, like, small balances on them come from, like, she has a belief where she needs to use those cards every month so that way they don't get locked up for whatever reason. This Wells Fargo card was paid off as well, but it doesn't even make sense because it accrued$87 or$0.70 of interest this last month because you didn't pay it off in time.

1:23:21That was our bad. We used that to buy our wedding bands, and our plan was to take advantage of the no interest and pay it all off, and I forgot when the no interest was going to end. So the interest hit, and then we paid it all off. Okay, here's our outback. And, I mean, again, without everything else, you could afford this$43 ,900 car loan. What is it, a 1.9 % interest rate? Yes, it is. That's good. I do like that. And, again, the car is not ridiculous for your guys' income situation. Let's just combine it with everything else that it might be. Yeah, the 1.9 interest rate is what made us decide to actually pull the trigger on the purchase.

1:23:58I really got you. $43 ,900, 84 cents. What's the I needed a new car? What was going on? Well, we did try to do, we tried to be a one car household that wasn't working. He did find like a little beater for$2 ,000. Well, I wouldn't recommend that. It just got me from A to B. It was the only purpose of it. But it wasn't sustainable. I know. Usually a 2 ,000-hour car, though, A to B is still going to cost money to keep it going. It cost me$1 ,000 to buy, and then I've spent$600 on just brakes and stuff. Proof that it can happen, guys. Even still today. It's available if anybody wants it. Usually I do like$5 ,000 for beaters when recommended these days.

1:24:41Our dog chewed up the deed, though, so it's not just sitting. Oh, that's fine. I had to go get two titles. It takes just mail in. The title is in New Jersey, though. Oh, I don't know about that. Okay. And it's also not titled to the guy I bought it from. It's titled to the guy that he bought it from. So it's in a bunch of pieces, and I have a sale contract. It's a whole thing, and it's not something I look forward to sorting out. Okay, here's the Department of Education. Who has$53 ,927? That might be me. Insane. What degree did you get? Psychology. Bachelor's. And 12, okay. What's your minimum monthly?

1:25:17A payment? Right now, she's not making any payments on any of this. So before COVID, I'm going to make this as short as possible. Before COVID, I was working in mental health. So it was one of those, like, we can hold off your payments. And if you work here for 10 years, we'll pay off your loans. Yeah, which obviously didn't, so. Well, and then COVID hit. And I think Biden stopped all college payments, college loan payments. They were deferred. And then I got out of it, and they just haven't started back up. I check it every month. They're still in deferment until November 30th. Yeah. Just now.

1:25:50And then you're going to pay. Okay. Your minimum monthly payment is going to be likely about$600. So much. That's so much money. You borrowed it. Okay. I think that's all part of hers still. All part of hers. Is this yours or hers? I don't know. I'm not sure. You can't get a statement from them, so it's only like screenshots. Okay, yours. You're probably at... $43 ,000 or so. Okay. Do you have a minimum yet? I've been paying roughly$860. No, about$1 ,000 a month. That's not your minimum. I don't have a minimum yet. No, it has been. I wouldn't do more than the minimum for your student where you have high interest debt.

1:26:27That doesn't make any sense to me. Your minimum is likely going to be about$500. It's more than that. It was$860 last time I had it. Oh, okay. We'll do$860 then. I wouldn't put more to it than that though. And I think this is a different loan. That should be a different loan. What is that? That's my state loan. What do you owe on that total? Like$3 ,000. Okay, what's your minimum there? 165 a month. Okay. This is insane. Ally, 262. That's our checking and savings account. Such a low balance for your guys' income. It's so dangerous. Wine, levy to Austin FC. Great. Austin FC, I think, and Wanderlust wine again.

1:27:08They're just spending so much on bulls**t. What is levy? That's the vendor at the stadium. Okay, so. So when you buy something at the stadium, that's what they do. Austin FC, Austin FC, Central Machine Works, Los Donzantes. Los Donzantes. Oh, it's a really, it's like the best birria in Austin. Best what? BDS? Birria. Birria. Did you just call me? A birria. A birria. It's like a, it's a Mexican like stewed pork and they give you a little consomme on the side. I love stew when it's 100 degrees outside. So good. Half squad brewing. Go fund me. What the f***? That was for the - Fund your fucking future kid, dude.

1:27:46That was for the kid. You donated to a kid. Oh. You guys have no ability to not spend. He just became an orphan. Socks for him. I'm sorry. No, I'm kidding. No, that is really hard. But again, you know how much money you could give in the history of your lives if you got out of debt, had a fully funded emergency fund, low risk over your head, you could allocate so much money to giving on a monthly basis. You doing little givings, lots of fun is preventing you from giving more. You could find an orphan in a few years if you actually buckled down and paid this off, and you could give them a fucking incredible lump sum of money.

1:28:22It's awesome. But you're preventing from getting yourself there to actually help more people. Lots of working times. No, you're not. Zelling out$125. Zelling out$250. Zelling out$25. Zelling out$86. Oh, no. Junior's Comics. Great. Target. Lady Bird Society. Zelling out money. Chick-fil-A, some restaurant on South Lamar, Uber Eats, Uber Eats, Starbucks. Do you guys not eat out ever? Yes, we cook at home. When? Well, we go and get groceries from the farmer's market and then we cook at home. When? Whenever we have energy. That math is not working. Getting some bevies, Eagle Farm Restaurant, Malacca Creations, Animal Draft House, Austin Wildflowers, Shirttail Creek.

1:29:08Greek, tamale addiction, stoke, yappa, artisan empanadas. Those are all vendors from the farmer's market. That's wonderful. Great. You spent a ton of money at the vendor's market when you're supposed to get groceries. I mean, I know empanadas were not groceries. I know for a fact, okay? PayPaling out$269, La Mexicana, Venmoing out$100, Uber Eats, Venmoing out$50. That's part of working out. Venmoing out$120? What are you working out every... I have a trainer. I have a trainer who comes and trains me. Venomating out$50. Venomating out$250. Ninja Sketch. You might not be able to afford it. You are going to have to choose what you guys want and what you don't want.

1:29:49Because right now we have about 15 things we're paying for endlessly. Just reoccurring forever. You are going to need to make some sacrifices. Venomating out$50. ATM withdrawal. Especially if you get it. This is not a good market. For what? For what? Tech right now. I don't know what you're in specifically. Oh, I'm. I mean, I hear that. but my skill set is in need regardless. What is it? I work in data management and data analytics. Bleep it, bleep it. What company? So I work as the data architect. He's in a more recession resistant but not recession proof. They are still, it is the second highest sector of layoffs this year so far.

1:30:33And the only one that's higher than that is federal government because the new administration came in and cut a lot. So you're in the private sector. You are by far in the highest laid off sector. I just wouldn't want to think we're completely immune. I agree. You're more resistant, not immune. I agree that no one, I think no one's immune, right? Especially in your sector right now. Yeah. I'm part of a leadership team that's trying to overhaul the business in the way that it works. I hope that works. Leaders get cut all the time too, though. Sure. And I think that we need to have a plan for if that were to occur.

1:31:01I know. But imagine if that occurred, you're the big chunk of the household, like three-fourths of the income. Look at this situation. What would we do? Okay. Antiuma Draw,$303. Shirtail Creek, Rarer Righteous Greens, Better Day Garden, Wolf Dog Treats. Farmer's Market vendors. Yeah, I recognize some of these. Is this the Mueller one? Sunset Valley. No, you should go to the Mueller one. It's nicer. Enterprises, Texas Food Ranch, Michaela Creations, Simple Promise, Rachel's, It was your regals. Dough Mama. What is that? BCFM. Sourdough. Big Brazos. Stoke. Hi-Fi. Waxing. All right. Well, I know you guys are working the good of baby, huh?

1:31:49Hi-Fi waxing. Going in nice and clean. Yeah. Oh, waxing crescent. Yeah. My eyebrows. Oh. Yeah. Was that for the wedding? Yeah. Yeah. Venmo. Venmo. PayPal. Venmo. Las Donzantes. Las Donzantes. Jose's Los. Wendy's American, American Statesman. He pays for the f***ing declining paper American Statesman. I don't pay for it, no. She insists on paying for it. Oh, I need to cancel that. You need to cancel that. I've said that for months. They don't really do much. Lady Bird Society. No, actually, they're fine. Actually, technically, I am subscribed to them. I'll be out. You guys just can't afford it.

1:32:25I was moving on them for no reason. Hi-Fi. Shirtail. Mushrooms. My Kayla Creations. Pies. Venueing Out Money. Venueing Out Money. Levi, Austin FC, Hop Squad Brewing, going in against BS, Elmo Draft House, Taco Deli, and Google Fiber. Google Fiber is fine. That's the internet. But this is crazy. $9 in this Ally savings account. That's wonderful. Okay. Checking in C. Well, checking in this account,$340 ,000 and then$75 ,000 in savings. Apple Bill, Dan's hamburgers, Whataburger, Apple Bill, Apple Bill. This is fucking crazy. $34 ,000 in this. Nothing, nothing. $55 ,000 in this retirement. Whose retirement?

1:33:07It depends on the account. $55 ,000. Might be mine. Hers, I think. Is it Fidelity? Is it TransUnion? Let's see. This is Fidelity. It's hers. Okay, then$75 ,000 in this Fidelity? That's mine. Okay, that's... Those are residual accounts from stock that I got from startups that I work at. So there's nothing in it. It's just like$25 ,000 on this. $25 ,000. $25 ,000. Sorry. $7 in Schwab. $23 ,000 in Vanguard. That's mine. Well, your entire... What's your gross income? Gross income? Yeah,$325 ,000. $325 ,000 in yours? Gross? No, that's as a household at$325 ,000. Oh,$325 ,000 as a household. Okay. But you guys should approximately be at retirement total combined about$500 ,000.

1:34:05So you guys are certainly behind by about a fifth. So yeah. Now I know that makes it even harder. It's like, that's so much money. But it scales with your income in terms of where you should be at if you want to maintain the lifestyle you have now by retirement. So your retirement score is not going to be perfect. Right. And like, I mean, that would be great for, that would be perfect for someone your age making, you know,$100 ,000 a year. Like they would be killing it. They would be beyond killing it, well beyond their goal. Because you guys are at total retirement, looks like$166 ,000. Like if someone made$166 ,000, or no, if someone f***ing made, I mean, yeah, you know what I'm saying.

1:34:50It just scales with your income. Yeah, because it comes down to maintaining lifestyle at that point. If you want it in retirement, which I'm looking at what you guys do, I don't think you're going to cut back. I don't think you're going to want to cut back. I think we'll surprise you. Okay, going back on the follow-up channel and prove it. I'm just looking at literally what you do right now in front of me. And none of these are a mortgage. Okay,$367.41 plus$623.67 plus$1 ,003.35 and$0.37 plus$44 plus$29 plus$40 plus$30 plus$25 plus$646.14 plus$600 plus$860 plus$165. especially when those student loan payments start back up.

1:35:45Your minimum monthly payments to survive are$4 ,765.59. The other car does not have a loan on it. What other car? The other car, no. It's paid off. $18 ,000 is our net income on a monthly basis. What's your rent? $2 ,650. It's okay for your income. Utilities including internet all combined? $3 ,50. Gas, vroom, vroom, drive, drive. both of you? $200 a month. $250 would be safe. Car insurance? We paid a month. We paid six months at a time. How much every six months? $1 ,600. Okay,$267. Phone bill? $220. Yo, why? New phones. You financing them? For hers, yeah. I use T-Mobile here. So it's good. Same coverage for helium is like literally 40 hours a month for the both of you combined.

1:36:41if you want to do a budget option. For helium? Yeah. This is one of those third-party carriers, kind of like Mint and those other ones that just use the same towers, same service, but they do it on the cheap. Okay, food. I mean, we could... I don't even need to do$600. Listen, let's see how I can work your budget. $600 for groceries, let's say. But I'm going to say eating out. This is how crazy this is, guys. I'm going to say eating out$500. Let's see what happens. TP fund, this is anything else you need to survive,$200. And I'm going to say fund spending,$200. Medical health care, co-pays, anything?

1:37:21Yeah, under my insurance, but co-pay is like$25. How often? Once a quarter. Oh, okay. So we'll just put$25 in there to be safe. How much do you give your trainer? $50 a session. And how many sessions a month? Two a week, so eight a month. $400 a month. Yeah,$400. Is there any other gym costs outside of that? $60, the subscription for the total machine that we have. Okay, so$460. Subscriptions, I'll call it$50. Go crazy. You have a pet? We have two pets. Two dogs. Two dogs. Ages and health? One is six and one is one. They're both in good health. Okay, let's call it pet insurance,$120. Dog food, how much?

1:38:07$100 a month. And how much for all the training and sitting and everything you guys are doing? Oh, gosh. It's about$400 a month. Yeah, that's pretty crazy. All right, let's see where this lands us. Guys, if you didn't have your minimum monthly payments and all this debt, the life, it's insane. You could have so much fun. And I'm dramatically concerned that you don't have a fully funded emergency fund. Like, it makes no sense. We did. I got tapped out for the wedding. That's not an emergency. And then I got tapped out for the honeymoon. That's not an emergency, assholes. It's going to be a good time, though.

1:38:46Certainly will be. It won't be when you get laid off and you don't have a f***ing income. I mean, knock on wood. Knock on wood. I hope you don't, obviously. $11 ,157.59 is what you need to survive with the fun I'm giving you. So f*** off. That gives you literally$4 ,000 in debt payment. Yeah, well, no. according to your 1800 nat $6 ,842

1:39:13let's round it for wiggle $6 ,500 left student loans that'd be minimum payment until they're paid off so what does that leave us with you can go highest interest or smallest balance whatever method works for you I don't really care is that really a big difference there between the speed in which those are paid off? It's hard. Really, it's so situational. Avalanche does always get there quicker. Avalanche being highest interest for us? Yeah, but how much quicker depends on the situation. A lot of the times, it's really not there. Okay, so it's almost six in one hand, half a dozen in the other. Yeah.

1:39:53Now, minusing the student loans brings us to$168 ,000, but I'm also going to minus the car because we can minimize the payment until that's paid off at that interest rate.

1:40:04so immediate debt to pay off is 124 162 dollars and 55 cents with 6 500 yeah dude come on it's less than two years it's a year and a half and get an emergency fund this is so easy and i gave you more fun than i've ever given anyone i don't want to hear this this is baby i told you you You have to do it in two years. Choose what? Yes, if you do this, not based on what you're doing. Yeah, that budget doesn't include having someone come clean the house. No, I gave you guys funds spending to$500. Allocate that how you wish. TP fund. No, sorry,$200 for fun. $500 for going out to eat. $200 for your TP fund.

1:40:44You can allocate that. Maybe do like a biweekly cleaning or something. I don't know. $400. I gave you guys so much. I've given you guys more than anyone's ever gotten. Join us in the post show. We'll ring the producers. We'll talk about that. there's always things that come up it's the best membership on youtube hammer elite by far let's get this hammer financial score spending a budget you overspent we figured out how zero out of 10 you're confused i don't know how zero uh debt i mean the debt is really bad you guys can just get out of it there's no collections i'm gonna say for your income technically two out of ten emergency funds somehow nothing because emergencies of hawaii retirement yeah you're at a 3 out of 10 there.

1:41:24The math we were doing. Real estate 0 out of 10, but you'll get there eventually. I mean, that's a Hammer financial score, right? I don't want to confirm. Yeah. 1 out of 10. He was right. He nailed it. First thing he got right all up is... Just kidding. Join us for the post show, guys. Join Hammer Elite. Click the join button now. I'll see you there. My dad lives in Mexico and my sisters and I send him money every month. What? How much money are you sending them? It's not that bad. You're still doing that? Less than your Pokemon. Did we agree not to do that? No, I didn't talk to him about it. I thought it was like a one-time thing for like six months.

1:42:02No. You're doing this every month? It's my dad. Once your parents need help. That's why I'm going to need help. Okay, well, my dad does need help. Okay. Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. Rinse takes your laundry and hand delivers it to your door, expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. Said you hear about Dave.

1:42:39Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great.