Controlling Husband Exploits Young Bride To Serve Him | Financial Audit

31:38No, pressure from her. She's serving face towards you. And then more of like we just wanted to be on the phone. Okay, okay. Do you disagree? Because I'm looking at this. He gave more pressure on himself than anything because we needed a vehicle in order to take our child. How'd you guys meet? We, you want to start that? We met at his birthday out at a lake. Why were you there? I went with a friend and met him. And then we went to a popular bar afterwards. Together? He asked you out at his birthday? No. No, we were just kind of there as acquaintances. at the bar? Friend of a friend sort of thing.

32:16We went to a lake and hang out there like we drank some beers whatever then we drove later that night to the bar and just Together? Or with the friends? Oh no we were in separate vehicles obviously but we were met at the same place. All the friends or just you two? No. All of us. All the friends. Oh okay. The four of us. That makes so much more sense. Okay. And then you're like is my birthday f***ing me? Yes basically. Yeah. He was supposed to be a one night stand but see how that went. There I am. What is the term length? 72 months. This is how we want to raise a kid with this. With this. This kind of debt.

32:53This is what they want to grow up in. I was raised in this kind of debt. It is not great. That kid will grow up to see people around them getting a lot of things and living different kind of lives. And you won't be able to give it. Well. You were the one that signed. I wasn't even there at the dealership to read anything. That's just a lot of pressure. I was trying to get it done. And yeah, I should have done more research, but. We can get pressure for a lot of different things. If you make a stupid choice in the end, it's still a stupid choice whether or not there's pressure. I don't know. Yeah.

33:27Okay. I was just trying to get it done. I just got it. What am I looking at here? What is all this stuff? Okay. So this must be the car on this statement. Department of Ed. Department of Ed. Ed. Ed. Ed. Okay. So wait. What do we have in terms of student loans? Yes, sir. Student loans. 45 ,542? From who? From me. Okay. Did you ever go to school? No. Do you want to go to school? Do you want to go to school? What do you want to do? I want to stay home and take care of the children. Children? I want in the very far future. But it's not now. How far exactly? I don't know. When we're ready. When I'm ready.

34:04When are you ready? Financially. I don't know if you're ready for this one. I'm not even ready physically. Huh? I'm not even ready physically. So I don't know. Recovering from the previous birth. Bad birth? Yeah. Rip. Yeah, she had to be induced. It was, I mean, he's here, he's healthy, but she had to be induced. Healing was just really hard for me. I want to do a remote job. I want to work from home so that I don't have to pay somebody to watch the kids. Okay. Let me give the course career certification from you. I recommend maybe like the customer service or accounting one for like that. but go through their free program that anyone can do that attaches you to a certification that will like match you with a good career do that and then we'll pay for the full one okay all right so do that go through that also you guys just need to go through our budgeting program together go through it together take the quiz same with the new debt class go through it together take the quizzes so you guys are on the same page about debt what is good debt what is bad debt how to get out of bad how to utilize that in a good way how to budget how to follow the budget you guys will make the budget together you'll take the quizzes together are you willing to go through this together both of them yeah yes together together together not individually and then you'll take the investing class as well which i highly recommend and it will tell you not to do what you've done by the way all three classes are bundled together for 25 off check them out okay so the student loans are 45 542 what did you get what was your degree when you get it where'd you go i didn't finish but my intention at the time was to get a four years bachelor in criminal justice from UNT and Arlington.

35:39This was expensive. How many years were you there? About three. Three years. Okay. Were you in state? Yes. Yes, I took all the actions. Did you borrow this for apartments and stuff too? Yeah, at the time I was... Yeah, there it is. So are you making payments? At the right moment, it's in forbearance,$0 a month. Why? I believe it picks up next month. For what? What's the forbearance? You requested a specific forbearance? Actually, no requested. What is it? Did you get yourself on a payment plan of income-based repayment, even though you guys will now don't make a terrible income? Yeah, at the time, the income was very low, so they gave it zero.

36:18You were on an income-based repayment. Okay. Yes. A lot of that is on pause right now because it's been challenging courts. So you might get f***ed. You might not. I don't know. Payments will probably start. What will your payment be? Do you know? Did it say? I had them all up. Each individual one showed the start date and end date, and it was$4.88 a month for everything. That sounds about right. Ten years, that's traditional payment. But it hasn't started yet. It's supposed to start next year. No, no, no, I get that. Well, when was school done? School was done. Or when was the last time you were in school?

36:48Oh, five years ago, six years ago. You may have done. I don't have the statement, so I can't see what you did. But no, that's a traditional payment plan, it sounds like. Okay, do you know what the interest rates are along these? They all say zero, but the statutory ones say like four, eight, five. I've seen those numbers. That sounds about right. Credit collection service. What? Collection charge off? What? 473 for what? I couldn't tell you. When were things going into collections? That was. Well, someone pull up their credit karma for me because this is, I don't know what the f*** this is. there's no information on this thing you guys gave us I tried that day that was a big mess but I have Experian which shows fine I'll try to navigate it I haven't used it I can help you navigate it because I've been trying to figure it out for him yeah it's right there it's loading up well this is for my banking app and then this is the Experian oh there's so much here for f*** sake oh for f*** sake none of that's mine by the way I know you have no date your credit's zero You can't qualify for like a mortgage to save your...

37:54How are you going to get a mortgage, buddy? No way your credit score is any better than when you qualified for this loan. If anything, it just brought it down because your credit age is less. That's why I want to save as fast as possible and get all this done quickly. Saving? What's saving? We'll save and pay off debt. Oh, okay. I'm going to say, because in Fort Worth, you're not going to save to get a house in cash. Collections, credit collections, Allstate. Why don't we pay Allstate? That was an insurance provider that was charging us a crazy amount. And I paid my bill and they think I didn't.

38:24And so I just left it alone. What the f*** does that mean you paid your bill but they think you didn't? They're telling me a little more and I was like, I know I didn't. And you're willing to get a 25 % interest rate to not pay one time, 473? Even if you got f***ed, isn't that worth saving thousands? Yep. And at the time I just didn't care. But you could still do it now. You could have done it a few months ago. I know. When was that the time? When was this? Three years ago. Around the time you and I moved to Bridgeport. This has been three years. Okay. Ambit energy. Did they get charged as well?

39:01Something you already paid? A little ambit energy? Most of that is ancient history. Cool. What happened? Man. It's been such a long time. I think I was living on my own while trying to finish on my senior year in high school no it wouldn't be on your credit buddy I'm trying to think if it was a long time ago it wouldn't be on your credit it falls off in like 7 years so at least 6 years ago was it with your ex-wife yes you have an ex-wife yes I have an ex-wife ok was there kids there no thank god any alimony or anything nope nothing there It was not a fun breakup, but it was clean. This is weird.

39:45Let's be honest. Who here actually gets a good night's sleep? I've had problems tossing and turning, stressing over dumb, dumb money decisions, so I know how it feels. So let me introduce you to a game changer and the sponsor of today's video, Dream by Beam. Dream is the delicious guilt-free hot chocolate made with natural sleep-supportive ingredients. You drink it before bed and it helps you fall asleep faster, stay asleep longer, and wake up feeling refreshed. And none of that waking up feeling like death the next day. No grogginess, just solid sleep. This stuff is for anyone who struggles with sleep.

40:22If you're constantly waking up feeling like a zombie or worse, making bad financial decisions because you're running on fumes, this is for you. Because let's be real, better sleep equals better choices, less stress, and a lot more energy to fix those taquito problems. Dream isn't just about sleeping better. It's about waking up with more energy, improving your mood, boosting focus, and even helping with stress. And it's guilt-free. Only 15 calories, no added sugar, and it's gluten-free, vegan, and keto-friendly. A win-win-win-win-win-win-win. And guess what? Beam's biggest sale ever is happening right now.

40:57Shop early access to Beam's biggest sale ever when you click the link below or scan the QR code on screen and use code hammer to get up to 50 % off. Don't miss out on this limited time offer. Trust me, you do not want to miss out on this. It's your chance to snag some dream with early access before it sells out. Plus, if you subscribe, you save 20 % every month, get free shipping, and even a free frother with your first order. So go fix your sleep game, snag this deal, and try out their new fall flavors like pumpkin spice. Give it a try. Sleep better, save better, and maybe those taquito decisions will finally start making sense.

41:32Now let's jump back into the episode. Fair collections in O, and this was from apartments, but it says it's paid off, but it's still reporting. No status is paid. Okay, so that's collections you already had. You had collections of an apartment in 2021. Yeah, that was the breakup I was talking about. You just don't pay bills. I got bitter, and I just didn't care. But it f***ed you. Yep. And then charter. We didn't pay internet. How much is that one? Two, two 35, which by the way, even with your passing income, you should have been able to pay these off and just, you could have improved your score by a hundred points paying these three off.

42:10I don't get why. Well, maybe a 50, 75, my name, because you've got all these debts with all these other places. Sounds about right. Wait, what, what, what? The electricity's in my name. Because of this? Yeah. They wouldn't accept me. I'm like, okay, let's just try hers. And I didn't really look into it. which I should have a debt. What are we doing guys?

42:37The conversation at the beginning was about how you are taking charge to pay off your debt and do all these things. I see no debt being paid off. I'm confused. What is, how has your care? How long have you cared about paying off debt? Apparently because nothing's happening. Well, it's started since I started watching the show. Okay. When did you start watching the show? A couple months ago. Okay, then you're not listening to the show. I don't see in these statements any debt payoff. Yeah, I just... I want to get into a point where her and I are on the same page about this, and obviously we're not.

43:11I'm just... Okay. I can't move. Fine, fine, fine. Let's address that. What can we do to get on the same page? What do you care about? What do we want? When do you want a house? How about that? When do you want a house, huh? Ten years. Preferably five years. Okay. Gotta have realistic dreams here. Five years, if we really just kill it, we could do it. But according to your debt, no, we can't. Are you not willing to kill it to get to five years? I don't know if we can or not yet. I don't think we'll be able to because while my job does bring in a decent amount now, it's not forever. Eventually, my brother's going to go into a home.

43:56Why is he? And when is that? We don't know. There's years long waiting for group homes right now, and his mother didn't do anything. So now we're kind of playing catch up. Okay. Yeah, it's kind of a mess situation, but the cleanup is going to – we're thinking, what, about a year you might have that, maybe a little longer? Hopefully two years. Something like that. Give me time to actually build a savings. Yes. Okay. Okay, so can we, but we agree we want a house. Yes. Yes. Okay, what is the sacrifice we're willing to do to get the house? Can we agree on that? Yeah. What are we willing to sacrifice?

44:44How, what kind of lives are we willing to live in terms of needs, wants? Where are we? Where's our minimum that we're willing to essentially come to? well i i don't have much to sacrifice okay hold on you're the one that's begging for money to spend though for necessities like no you were saying once and going out and living your 20s so i'm we need to establish what are our minimums we need this i'd say probably between both of us and like family fun i'd say probably we can cut out subscriptions we can cut out you can cut out all subscriptions yeah every single one I don't use any of them okay cool I use one for podcasting but I cut that out and as far as other things as far as the bills go the bills are probably going to stay stagnant obviously but I can cut that out which will probably save us at least 100 bucks a month in subscriptions at the very least and then the whole eating out stuff we only eat I want to eat out maybe like once a month?

45:54You eat out daily for work. No, that's not true. Even going to Costco and getting a hot... Hi, I'm here to pick up my son Milo. There's no Milo here. Who picked up my son from school? Streaming only on Peacock. I'm going to need the name of everyone that could have a connection. You don't understand. It was just the five of us. So this was all planned. What are you going to do? I will do whatever it takes to get my son back. I honestly didn't see this coming. These nice people killing each other. All her fault. A new series streaming now, only on Peacock. That dog is eating out. For$3? Doesn't matter if it's$3.

46:34$3 adds up. You can get a packet of dogs for like$5 and have like 10 glizzies. I make you lunches and put them in the fridge. You just don't grab them. Yeah. I am bad about that. She'll make me stuff. Well, why? I just forget it. Set a reminder. What? What? There's so much available, guys, today. We can set reminders. We can make sticky notes. We're not in. I don't get this. These basic things that people just fail to ever problem solve. I get forgetting the first time, but you forget the first time you problem solve. Okay. We don't live in 1500.

47:09Yeah. I'm so confused. We did get a Costco membership to help out with bulk buying to maybe reduce that. What am I seeing here? USA federal savings,$8 ,000. Is that the loan it goes? That's a vehicle that is in our collections. Oh, for f***s sake. Before I met Kayla, I was spending left and right on mainly just a fast car and booze. What was the car? It was a 2014 Ford Mustang. Great. It's highly modified. Sure. And it currently is sitting because it no longer runs. In your thing? Yes. It wasn't repode? No. No, it wasn't. They just sent it to collections before they tried to get anything from it?

47:57They haven't tried to reach out for that or anything. How long has it been in collections? Three years, probably. Okay, so that's going to f*** us for a long time, especially if you're trying to get a house. Okay. Right now I'm in the process of my friend showed great interest in it, who is a car guru himself, and he's wanted to pay me for it, but I have to make negotiations with USAA to let him pay for it because the last communications I had with them, they said, we can't transfer it to anybody's name. That was four years ago. Didn't you get like an inheritance though? If I'm not mistaken, I was scanning your notes before this.

48:33Yep. And that couldn't pay for any of your boozing and when did you get your inheritance? And what even was it? Yeah, I paid for all of it. How much and when and for why? Yeah, my father passed away in 2018 of April. Sorry. And he's better now. But he passed along$138 ,000 to me. What happened? Wrong people around him. What? Well, right after that, I discovered adultery in my first marriage. You discovered adultery? As in she was diddling or you were diddling? I walked in on her diddling. You walked in? Did you join? That's it. Sorry. You went through a bad time. I shouldn't joke about that. but no i walked in on that and there was an aggressive divorce with that luckily neither party took money from each other it was a clean sort of divorce but okay awful that threw me down a really bad spiral yeah yeah of uh making really bad decisions sorry i'm it's okay no no no take your time and believe me the only person that doesn't forgive me is myself okay why are you so hard on yourself about about your past your past is your past man i i have up so much in life and uh there's issues with there if you'd like some uh i've up so much in life man but what defines me who i am today what i'm doing today or what happened a few years ago you know you learn you grow it's the human experience i understand it's also a human emotion to always dwell on things like that but what what happened with the inheritance it all got spent on that mustang you're looking at even though it's not paid off really the modifications for it was the big big expensive hundreds of over a hundred thousand hours into a mustang a lot just a mustang not just a mustang okay booze eat going out to eat um not any drinking oh no okay so we weren't replenishing it at all we were just using it for how long over the course of how long year and a very very short time i met him right at the end because right around the time i was a full-time student at UT and you know, when that whole divorce happened, I got, I got crazy.

50:47Well, with the, my father dying in the divorce following, he just threw me in a spiral. Wait, I have a capital one also in collections. Yep. That's the other credit card in collections. Okay. The 8 ,000 for that Mustang. And then what was that? Seven something. So when did this go into collection 7 ,134? Last year. What happened last year? We were together for a long time at that point. So what happened? It was not last year. It was 2023, the last statement. You got that while we were dating. We were not married when you got that credit card. Oh, my gosh. We can't even have grand f***ing timelines.

51:22It started. That card was. Why are we just paying minimum payments on this? It's a credit card. It racked up really fast. And we racked it up really fast. The minimum on this was probably, what, like 75, though? You could have made that. I think it was$250. Oh, really? Okay. It really depends on the credit card. I racked it up really fast in about a month. What? While you were together. We weren't boozing, bed hopping, doing whatever. We were going to a place called Texas Renaissance Fair. It's in Waxahachie. For f***ing sake. What? Okay. What we're going to? What's going to? That sounds like we were repeat renaissancing?

52:03Yep. Over Crossovone. Is this like a 24-hour renaissance 365 days a year? It goes for two months every day. How many turkey legs gets this? I wish it was turkey legs. What were we doing? The first day I spent about$3 ,700 in one. On what possibly? Garb, weapons. You guys were together. You didn't care? You didn't care? How do you guys not care? I got drunk also. Our finances were not put together. At that point. So I didn't know what you were doing. Well, I was drunk. So part of it. Yes. Part of it. No, I don't think you can drink. Good. They have lots of anymore. They have a lot of mead there and I got crazy.

52:48Yeah. Good. And then afterwards on those payments, I got I got angry with it. One day. Okay. You can't keep doing this because that has been a recurring story throughout. One, you get angry that she doesn't understand. She doesn't spend so you don't include her and you make a hard line decision and then it doesn't even happen anyway. you get angry that something's in collections I'm not going to pay it I'm going to f*** myself you get angry that there's a credit card bill that I racked up I'm not going to pay myself you get angry that a car is not working so I'm not going to pay it you know it's just that's just not how this world's going to work what are you going to do when you get angry at the f***ing kid just going to like walk away like this isn't this isn't this is a reoccurring thing throughout your life and it is not going to result into any positivity because look it's just f***ing you and then what happens your car gets stolen so you need to go get a car you know and what you qualify for is a 25 interest rate you just made a salesman life so emotional huh i need to stop being so emotional it's not about emotion it's about the action you do i can be an emotional person too but that doesn't mean i go out and my life there's nothing wrong with emotions emotions are human and natural listen to my voice right now it's all emotions but that but i'm not like destroying my life with it your inkling is to walk away and give up that is not going to be okay if it was just you sure why not die in a pit but now you have a kid and you have a wife to take care of okay so it's not about you anymore you can't do it anymore it's time to man the f*** up and even if you don't like it you gotta deal with it yep I've tried telling you and why hasn't that come through when your wife tells you well um

54:33because he just doesn't listen to me he'd rather listen to somebody else who tells him what he wants to hear who who's telling you that friends male friends try and make tell me be the power house of the house powerhouse of the house you're walking away from death that's not being a power house that's not being a man that's not being an adult yeah yeah i just it's no excuse there's no excuse i just then how do we prevent this in the future because this has been a reoccurring thing over at least the past six years i mean i have a suggestion and include me in it let me mediate hey maybe this isn't such a good idea if we only have this much for that needs to go towards this let me see what we have so that i can put in at least some sort of an opinion be able to help out with hey i know you want this but you know what maybe that should go towards this instead yeah but we didn't do that for the last four years now why most recent so you've been there i have never been able to see the savings and known exactly what we have without asking you to send me a screenshot okay so i started doing that because we were living about before you go So four years ago, living in Bridgeport, I had the contractor job.

55:55I was seeing, just realizing after a year being there, we were saving a dime. And so I started looking, and then there would be times you should go to the grocery store wanting like$400, whether it was needs or not. It freaked me out. And so then at that point, I just made a decision to cut it off. Do you feel like you're being controlled? Sometimes, yeah. Do you feel like a wife in this relationship? Most of the time, I feel like a daughter, and I've told him this.

56:21All right, let's be real for a second. Dealing with car insurance is absolute death. One minute you think you're getting a decent rate, and the next you're hit with some random$50 fee. Don't even get me started on trying to compare different companies. It's like trying to find a needle in a pile of taquitos. You're probably getting ripped off without even knowing it. But here's where you can stop this madness. Head over to money.com where they'll help you compare multiple car insurance options all in one place. It's literally built for people like us who are tired of overpaying and being in the dark about better deals.

56:54Whether you're looking for full coverage, liability, or even something in between, they've got options to compare that could help you save hundreds a year without the hassle. And the best part? It's quick. No need to waste hours scrolling through sketchy insurance websites. Just click the link in the description, compare your options, and find a better deal to watch the savings roll in. So if you're tired of throwing dumb dumb money at overpriced insurance, check out money.com at the link in the description below and you can start saving now. Stop paying more than you need to. Your wallet will thank you later.

57:25This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners. How long have you been telling him this? Since he put everything into savings. At least a year, probably. Why have you done nothing when your wife comes to you and says, I feel like I'm your kid that you've...

57:47um i'm just scared to death i'm terrified of doing so you walk away yeah i'm scared to death of repeating what i did well what you're saying there wouldn't including her help wait why why is her being able to look at things repeat your well that doesn't make sense yeah i'm just i'm just petrified. What? That did not answer my question. How does her being a part of that repeat your mistakes? And also you're borrowing against your retirement to replace your wants that you lost. You are repeating your mistakes. So how is her being able to look at statements? You repeating mistakes? That doesn't make sense.

58:31We wanted to get new furniture, but I mean, I did suggest getting used furniture at first, but then. It's a good start. She was saying, oh, no, we don't want it used because we have a baby and we'll make sure it's all new. What's wrong with baby? Clean it. Certain things grossed me out, but I know I should have just gotten over it. Dude, wealthy neighborhoods, Facebook Marketplace, wealthy neighborhoods, they just get rid of everything for nothing. They just want it gone. I was more worried about getting a couch that somebody did the deed on. Well, people have s**t everywhere. You've been in bathrooms that people have had s**t.

59:05Who cares? as long as they're nuts not everywhere it doesn't matter that's the thing it could be all over that couch get the couch cleaned it's cheaper get a bunch of used furniture to fill the place have a cleaner over one time to deep clean everything and I guarantee you that it's cheaper new furniture is so beyond ridiculously expensive we got it for cheap because we went through what? it's probably not going to last what is it plastic? 3 seat recliner for about$800 that's cheap? Oh, three-seat recliner. So, okay. Yeah, I can see that. It's kind of on the mid. A love seat that matches it for$600.

59:45A new bed, new mattress, king size. Mind you, well, we have a 25 % interest card. Okay. That was for about$750 for the king size mattress and bed frame. And bed frame is not horrendous. That one's not horrendous. And we got a six-seater table and a bench. So, four chairs and a bench for$600. but they refunded us$5.50 of it because they were real late on delivering it. So that's good. Well, that's good. Basically got that for. I don't think it was the couch. You could have gone cheaper on that end with used. You could have. And you probably could have got something nicer. And some kitchenware as well, knife set.

1:00:17It's certainly not the most expensive furniture stuff. So this was our big disagreement. She's not allowed to look at finances because you guys got cheap new furniture. No, our biggest disagreement is the eating out. Why did we bring that up? What do you. Okay. What about it? uh door dash i have high disagreements against you said you haven't door dashed in three months uh i'd say less than three months no what what is our disagreement he's holding that when i was freshly postpartum i wasn't able to get up and thin for myself and cook for myself so i would door dash food to me in order to eat while he's at work that seems relatively fair not if it's $40 each time.

1:00:59Hold on. I mean, you could have also just been a better husband and had meals prepared for someone that got, you know, f***ed up. Yeah, I mean, I made sure groceries were full and, you know, most of the time. But I could not cook for myself. Like physically you could not. I'm taking your word on this. If I stood for too long, I was an excruciating thing. Well, that was only for like the last two months of it. What about the first seven? What do you? Well, hold on. Wait, what? For the last couple of months, yeah, she was bedding. Postpartum. Oh, postpartum. Okay, I'm sorry. That's when I ordered a lot of DoorDash because I couldn't get up and fend for myself.

1:01:36Wait, when was postpartum done? Wait, it is seven, right? Ten. It's ten? Okay. Yeah, he was born in December of last year. Oh, that sucks. Christmas birthday, that sucks. But no, it's just... She has slowed down, but initially it was a lot of DoorDash. A lot. What is the issue here? If there's not DoorDash anymore, I'm confused. And I myself. The only time we've used DoorDash is when you wanted food, and so we ordered something for me, you, and our two friends. Guys, what are we talking about? If there is no DoorDash, is what you said, then what are we even talking about here? Didn't you order DoorDash like a couple weeks ago while working?

1:02:18No. I eat what's at my mother's house that she ordered for us. she'll call me and say like she's real tired and doesn't want to cook, which I'm like, okay. And then orders$35 a door dash, but now she's denying it. Do you cook? I can cook. Why don't you? Well, normally. Now, what is this? I have another savings thing in collections. 7 ,451. What's that for? That is the USAA credit card I had before. That went to that went to collections before. Okay, so it's just a lot of collections. Are we surprised your credit's low? No, I don't think so. An employer loan. Yep,$6 ,000. Now, what is the interest rate on this loan?

1:03:0110.5%. So, up your S &P combined is not even competing with the S &P 500. I open up my brokerage, Mumu, and I do this like a couple times a month. I go in there. I buy some S &P 500. Up your S &P combined, 10%. So, like the total return? Yeah, so you're f***ing yourself. You're not even making a difference If you're making a difference we could have a conversation What's the point? So you're taking out A 10 % interest is worth all the You got What did you get? I need to know What did you get? All that furniture we listed No no no stuff you said you lost What did you lose that you had to buy? Well we actually lost And got rid of a lot We purged What did you lose in the move?

1:03:47You said you had to replace things that you lost What should you move? We lost a TV. Okay. A couple hundred bucks. We don't need luxuries. Some breast pump. How much is a breast pump? I've never breast my pump. $150 for a... Okay, we're not adding up to$4 ,000, guys. What did we lose? Oh, hold on. Hold on. Okay, so the majority of that money went to actually getting into the apartment. Because my credit was so low, they required... Oh, for fuck's sake. Yeah, they required a month's rent fee. You guys were in an apartment before. correct? No, we were at our in-laws. Then save for a month for sake.

1:04:24That's what we tried to do. But the last two months we saved, but previously we didn't. But all of it went to getting to that apartment. Most of it went to it. Then do another two months and save. I'm confused. Yeah. Guys, we're not barring at 10%, 10.5 % against our retirement if we can not f***ing we're not moving into an apartment if we have to borrow at 10.5 % against our retirement that's a basic rule how about that i wanted to say longer but you know things were my special needs brother was moving in and yeah that didn't have a room anymore things were yeah getting getting a little spicy have them sleep between you guys i don't know no i get that i get that that's that is an actual that that is a fair point yeah that's something that does that puts it that puts a timer on it everything is easier said than done but there are solutions people who give up or just accept the expensive thing 25 interest on a car is someone who just didn't put in the work to find a solution to get creative someone who says oh i just forget my lunch every day dairy queen cc's pizza crunchy roll come on guys i thought we'd be done with subscriptions winning got some bs from gas station charlie's philly steaks gelato two hands prime video cash app and out 20 cash app and out 13 cash app and out 36 prime video zellin out 12 amazon marketplace amazon marketplace zellin out 500 we were paying uh my family 500 for utilities that we were using while living there so 500 bucks a month.

1:06:04What happens to this kid while you're at work? He goes with me. That's right because it's family. Yeah. PlayStation Network. We don't need it while we're trying to survive. Oh that's my count. Zellion Arm 100, Whataburger, DoorDash T. We DoorDash T. Wait. DoorDash. Ding D. Ding. Ding D. Oh that's the Chinese place. Sounds Chinese to me. Oh. Okay. I know what that is. Yeah. Amazon. went in a grocery store, got some BS. It was only$2, probably energy drink, something like that. Amazon, Sonic Drive-In, City Smokes. Who's trying to die before the kid grows old? Me. Stop! What are you smoking? I vape.

1:06:45And guess what? Did you do it while it was in you? No. Then you can probably not pick it back up instead. I picked it back up. No, I just had someone on who's vaped since she was in her early teens the other day. Yeah, she lost a lung. Episode hasn't gone up since we recorded this. Lovely. Yeah, you want to do that? Want to lose the lung? Kind of necessary. We like breathing. I'm going to stop. I'm not ready to stop yet. Then stop. Why? What? I enjoy it. I don't want to stop yet. You know, I enjoy popping sets. I probably shouldn't do it. It causes scars. I need to pop this one. I don't do it because it causes scars.

1:07:24I want to go get five guys after this. It's not like I'm in great condition, but I could get fat as f***. I really did what I wanted to do. So just because we want and we like Means we don't stop I don't get it Stop If you know you can 100 % stop stop It was really hard to stop But I can try and stop It was but you did it And you did it for your kid right Yes Do it for your kid again They're gonna see you smoking What's gonna prevent them I do not want him smoking I don't want him to get addicted like I am Uh huh And maybe stop I'm actually in the process of stopping myself Oh for f*** sake Yep we're both There's flutes.

1:08:01What is we're in the process? I have these tablets and dissolving in my mouth. It's like a 12-week program that Costco sells. It was like$46. Why don't you try that? I've never heard of this, but why don't you try it? I tried. And? It made me vomit. Too much? Yeah. Too high concentration at the beginning? Yeah. Okay, can you start half? I don't know if they have because they're like mints. They have tablets and they have gum option. Talk to a doctor. See if you. could probably talk to a doctor and get something different. It just seems like the gum and mints are more expensive than the vapes. It's not about expense here.

1:08:37I'm not talking about expense. I'm trying to just get you to survive. We do not know the long-term consequences, but again, lost a lung the other day on the show. Vending machine, vending machine, vending machine. Who's going to the vending machine every second? I don't go anywhere, sir. That's probably me. Stop! Jack in the Box, Panda Express, Taco Bell, going and getting some bs maybe who knows prime video again movie rental door dash and jack in the box that was not i haven't had jack in the box timu timu timu timu timu what are you getting on timu timu's like five cents for the thing you've ever seen what are you getting usually christmas gifts we're in october i have and this was in august i spread it out over the year so I can...

1:09:25Okay, what are you getting for T-Move for someone? They have actually pretty good stuff. What are you getting? What did I get? Like little knickknacks here and there, like gift boxes, stuff like that. WSS is a shoe place, by the way. That's right. Oh, that's right. Those are your new shoes. Okay, I remember. Oh, good. You didn't have shoes, right? I had one pair that were falling apart. One pair? She only had one pair? I mean, one shoe shoe, yes, but as far as the whole collection, there's quite a bit. No. Like maybe at least seven. One pair of tennis shoes. Tennis shoes, yeah. The tennis shoes have were falling apart.

1:09:57Were you starting to play tennis? No, but all I have are like cowboy boots and those aren't exactly comfortable to walk in. Okay, okay, okay. What the f*** are you getting from Teemu? It's a lot of money to spend on Teemu. More than anything, like decorations for... Decorations, Christmas gifts. Right. Yeah, you're funding the entire Chinese Communist Party. Aldi, cash app out$60, cash app out$55. Cheesecake Factory,$148. Kill me now. Car wash, great. You live in Texas. You're fine. There's no snow. There's no salt. There's barely any sandy dust. Okay? Come on. Is that from recently, the car wash?

1:10:39That was in August. August. End of August. Then cash app and out$5. I might set you guys up with a financial advisor at Domain Money because they just have more time than I do. I personally use them. They're great. And you guys can just sit down and talk about your goals with them and they can really map it out more than what we have time for. I might set you guys up with an advisor with them. They're great. I highly recommend. But I want to get a budget and then we can see what life might look like, what we might be able to sacrifice, what things. Shopping is hard, right? But I found a better way.

1:11:17Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. Could be to get to some kind of goal and what we can cut back on. What's the rent? $1780. Oh, good. That's with water and all that. Oh, that's all utilities? No, that's not all utilities.

1:11:55It's just water and trash. Everything except for electricity. What's electricity? $250? No. Well, we just moved in, but that's what I'm predicting. It is projected to be between$158 and$175. $175, I guess. What? Well, I just said$250. We moved in at the beginning of October. We haven't gotten our first electricity bill. I was trying to highball it a little bit. All right. Student loans are starting again for you. And then we have the Honda.

1:12:30The Honda. You mean Toyota? Toyota. So our debt minimum with the payments only on two debts is$1 ,015.77. Great. Internet, is that included in rent? No, that's 50. Come on, guys. You said everything. Okay. Gas. Vroom, vroom. Drive, drive. If a full tank lasts me a week, it takes 40 bucks to fill up. I'd say like 230 to be safe. Car insurance is 207. Okay. TP fund. Anything else needed to survive? This is for your makeup. This is also just for like the kid needs anything. This is for whatever, whatever, whatever. I'm going to give 150 bucks. Okay. Groceries. This can include like diapers and stuff as well.

1:13:18Preferably TP fun, but I think we can meal prep. We can do things with the kid. I think we can do$750. Follow our meal plan. Tweak it to your needs in the budgeting class. Medical co-pays, anything? No. I think giving birth, our co-pay at the end of all of it was$200. You paid it? You paid it? Gym? Is there a gym? No. Pets? Two leopard geckos, but I breed my own worms to feed them, so they don't. Breed worms? The meal worms that turn into little black beetles. You just feed them, and they endless food supply. Okay. Okay. No subscriptions. No pet insurance. No medical. Phone bill. We had just downgraded recently and got a better deal.

1:14:12I'm paying$44 a month for everything I need. Just you? Yeah, just me. It'll be$88 a month for both of us. So$88. You owe on the phones? No. Could do helium. Same towers as T-Mobile. $15 per line. $4 ,445. We make$6 ,000. I'll give you$250 for fun money. There you go. Right? Is that okay? Will we live off of$250 of fun? Yes. Okay. I was okay with$100. I don't need that. I don't think so. Have you guys seen your spending? Lie to the wall. $4 ,695.77 is what you guys can spend. You bring in$6 ,000.

1:15:01$1 ,304 left on a monthly basis. Should be the easiest damn thing in the world.

1:15:11Okay So if you actually align on your goals And actually do this First of all do we have anything in savings You know the answer again I can't see it 300 Okay Should also probably mention we had to take multiple trips To Amarillo Oh yes yes My grandfather passed away Not too long ago So we had to take a couple trips back and forth Gosh lots of sad things in this one I'm sorry I'm sorry. That's really hard. At least we got to say goodbye. Three and a half months. Save up a one-month emergency fund. Okay. There you go. Then you guys have a bit of safety net in case anything were to happen to either of your jobs.

1:15:52Yeah? Yes. Got it? Cool. And then we started attacking that stupid car. You can pay it off in a little over a year. You're saying just the car during that time? Yeah. It takes 15 months to pay off. Go make more money or cut back on fun. You can do it quicker. but right now we are at a year and a half. Year and a half, we have a one-month emergency fund, and the car is paid off. Student loans, minimum monthly payments until they're paid off. After that, I would kill your other collections to improve your credit, except for the ones that are just about to fall off. And we can call that another year just to be safe.

1:16:26Then fully fund an emergency fund. We'll call this entire process three years. Three years? Yeah. I'm okay with that. Three years, and I give you fund money. come on this is so simple and if anything extra fund money that isn't spent can just go to oh yeah actually I would pay off your 10 % retirement loan so that's$8 ,000 let's call this a 3.5 year thing 3.5 years and you should be able to do that pretty easily once the debt is paid off that's an extra$1 ,000 a month that'll speed up things 3.5 years anything extra from overtime or what not yes absolutely are you kidding me make this become three and a half years to two and a half years if you can but i mean this is pretty damn simple and then just start putting 20 each into retirement you know you do rothra you do your 401k you know you guys will be fine you'll be living a good life yes yes and i do need to catch up my time at that point you should be able to easily live 50 our needs and then what I would do if the house is really goal, maybe 15 % for retirement, 20 % to a housing down payment fund.

1:17:39Did you say 15 % retirement? Oh, yeah. I'm thinking if we're really prioritizing a house and it sounded like we both want that 15 % to retirement, 20 % into a high yield savings account for a home down payment, and then 15 % of our income on fund. Okay. Until you get the house paid and then 50 % of our needs, then 20 % towards investing after So we get into a house and then you can have 30 % on fun. If the house is that big of a goal. Okay. So this was pretty damn simple guys. It's literally, this is what the issue is. And this is what you need to deal with. Maybe with a family counselor or something is you begging to spend more money is not working.

1:18:18You giving in is not working. You taking full control is not working and you not getting her involved in the financial conversation is not working. If we are on the same page of this, especially by going through the budgeting and debt class, if you guys are on the same damn page and you sit down and make sure that it went to the things it's supposed to the last month and you guys adjust it for the next month, you guys will be fine. And you have one of the easier situations. We've had lots of easy situations recently because people are just, you guys are just pounds and your own lives for no reason spending in a budget technically made it and you didn't have to go into further debt but more money should have been going towards that then was going towards funds so i'm only going to give you a four out of ten there because you should have been spending in a big different way that's me being generous you have things in collections and going against your retirement so debt zero out of ten emergency fund barely started i'll give you a one out of ten and be generous retirement like barred against it i am gonna hold it pretty far down two out of ten and then you need to start in real estate we're not there yet zero out of ten where we hammer financial score for today we are gonna be at a two out of ten make sure to stick around for the post show we're gonna talk about some extra drama and all that extra juicy stuff that either we didn't have time to get into or i don't know yet because the poosers are gonna come in and they know everything about you guys.

1:19:48So join the membership link in the description below. Make sure to check out all our courses, Bundled Together, 25 % off. Change your life today. See you in the post show. I would love for you to tell Caleb, if I understand correctly, what exactly you bought, because it sounded wild. What did you spend on Garb? I bought me and her outfits together, and it was$3 ,700 in one day. I got her a leather shirt. For the outfits,$3 ,700 for the f***ing outfits. It's all handmade stuff. Why? Go to the Spirit Halloween. Spirit Halloween! Amazon.com or Etsy. You're there for a day! We go every year and we go for more than one day.

1:20:27You're going to do a different outfit next year. To watch the Financial Audit post show, click the Join button below.