Crybabies Try To Cancel Me | Financial Audit

27:28Thank you. But you're welcome. You could have also had it already. I could have, but I just get it for free. Yeah, exactly. And I'm in debt. So guys, I just wanted to say an extra thank you for making simpler budget in incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future. And we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So We still have a two-week free trial in there for the premium version.

27:58And of course, everyone that signs up for an annual version, at least for this next quarter, will get a Founders Edition Simpler Budget Notebook. And it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download Simpler Budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for simpler budget premium annual.

28:40It's an investment. But people get out of debt using it. It was smart. It was, but you could have been fixing your life by now. Yeah. Yeah. So 400 for groceries. That's what I see. Yeah. I'm going 400. You're going miscellaneous or rat carry? Okay. Last two. miscellaneous bullshit miscellaneous bullshit but I also feel like this category will be inflated because I know like Target is kind of one of those like meh but we live right next to a Target and that's our groceries Target we put usually in like a known shopping yeah but it's like almost always our groceries so okay let's see so then if it's not categorized as groceries the groceries should be lower and then miscellaneous higher I really don't think so He disagrees, but she takes charges.

29:26Yes, I am. Minus 50. Okay. 5 ,744. Okay. Miscellaneous both.

29:37200? Sure. It's probably a lot. I don't know. I don't know. Okay. Last one. Rat care. That one, at least a stack is the problem. Okay. But there's no stack to be put. Okay, yeah. I didn't know if it was taking care of him or if you had them. So this makes sense. Yes, no. They are pets. And they're expensive. But they're very lovely. They're worth it. How expensive are rats? My brother had rats. They were awesome. I do like them. They're great. Like a lot. Why? If you care for them properly. I don't know. It wasn't my care that I had to do. How much? I'm getting there. I would say just put a thousand No, that was the one thing That was the one thing That's what I said There was a stack But there was no stack to be put into that category anymore Huh?

30:37Like a stack of money Like a stack There was money But we were out of money when it came time What did you spend on fucking rats? Well, don't be insensitive They died Two of them died Well, I'm sorry I'm very sorry I'm not sure if you are. You're slamming the table. Well, because I didn't know. What do you mean? I can't be sympathetic about something I don't know. Okay, so rats only live two years, right? That's very short lifespan. I'm going to get to it. You need the context. Sure, sure, sure, sure. You do. I like to avoid feeling bad. It's okay. It's okay. You can feel bad. I don't mind. Great.

31:10From this position, it feels pretty good. So they only live two years, and they can have a lot of health issues, you know? and there's not a lot of vets that like see them. Because they live for two years. Okay. You think things that have short lifespan shouldn't live? No, no, no. I'm not saying that, but it's like usually. No, yeah. It's hard to find vets. They're specialized. Well, exactly. Yeah. And it just makes economic sense. And it's like an exotic vet. Yeah, they're classified as exotics, so they're more expensive.

31:41So they get a lot of health issues, especially when they're old. And like, I can't say that I wouldn't have seen it coming because like I've had rats for 10 years. So I've had my fair share of like money spent on them. So obviously you need a random emergency fund. Yes, yes. Certainly did not have that this time around because. How much was spent? So the first one, his name was Pretzel. He just one day just was on his last leg. So we had to bring him to the emergency vet. That one wasn't bad. That was just 135 to euthanize. It wasn't bad, though. Like, whatever. I mean, like, yeah, it was bad that we had to.

32:25But, like, the money. Yes, yes, yes, yes, yes, yes. And then the second one, his name was Popcorn. He was the sweetest boy. He, one day he had just, like, a wound on him, on his abdomen. I'm getting there. Let me finish. And I can feel his gaze. Um, we were like, Oh my God. I mean, I think she's allowed. Yeah. She's bisexual. I'm allowed. I love to be homophobic. How much did you spend on? I'm so sorry. Please. For fuck's sake. We're so close with the end of this game. What did I, what do I need to do? How much did you spend on? You said to not listen. It's not. Tell me. I don't know. Hold on.

33:11Hold on. So we got the 135 for the rats And then Went again for the other appointment And that was the surgery And that was the like 900 something Right? It was like 900 something It was$1 ,000 basically You're breaking my focus I need to focus Okay, so it was like And then we took him back again And then like 200 And then I'm gonna say like The death, which was 135 I think I'm gonna say 1 ,500 Yeah, 1 ,500, 1 ,600, somewhere around there. We would have got there faster if you genuinely just would have let me get through the story, to be quite honest. I disagree. It's very interesting, actually.

33:50I mean, a little bit, yeah. She does kind of restart the story. I restarted the story every time. Okay. You fucking drowned in Snake River. It's done.

34:02Okay. Right? Yeah. For fuck's sake. Well. To be fair, though, it was just because the rats, you know. Yeah, if it wasn't for the issue this month with the rats. Let's see if that's true. Shall we? We shall. I'm confident. That's an exciting laughter. Okay. Rent, you said$2 ,480. $2 ,400. No, sorry. You said$2 ,048. $2 ,046. We had the answers. Soft by two. Yeah. We could have just cheated the whole time. Minimum monthly payments. $1 ,500. $1 ,056. Okay. Okay. So currently. We're doing good. Yeah, stay in flow. $10,$110 for the utilities. $151. Okay. All right. Utilities, they're variable. Therapy,$215.

34:56$280. Ooh, damn. Okay. Okay, wait, wait. But that might be because one of them got charged and refunded, I think, on your card. We'll see. No, I think you're tripping, actually. What did you say? $117? Is that what you said there? Okay, 106. So, made up a little ground there. Okie dokes. Subscriptions, you said 45. 99. Damn. Double. Still not enough to make up the ground, though. Or still okay. Solani said 600. 156. Oh. See, I didn't know. Shopping is hard, right? But I found a better way. Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences.

35:38I 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. I didn't do the color. We're doing okay, right? We're doing okay. Vapes, you said 75, 125. See, I told you. Add another one. Which is stoop. but uh eating out 150 439 439 yeah yeah yeah that killed it that killed it right there 334 315 pretty nice nice nice now of course stupid miscellaneous bull said 266 no okay Amazon,$200,$333.

36:37$333. Well, they're all necessities. I will see. Groceries,$400,$253. Oh, okay. Okay, but that's because the target probably isn't classified. $1 ,500,$1 ,397. We were pretty good on the water. Yeah, we were pretty good. Yeah. I'm giving myself a pat on the back for that right there. I feel good about that. That is$6 ,822. And you're right, without the rat thing, that wouldn't have happened. We have more rats. Mm-hmm. How many more rats? We have three more. Then this is going to happen like once a year on average. Yeah. So it has to be prepared. But you're not able to move. You're not able to move to Oregon with this.

37:12Like how the fuck can we cash flow that? Good luck. You'll be going into debt. Also, by the way, I'm being informed that that does not include the unknown shopping category. And that's typically Amazon and stuff like that. That is typically – well, Amazon we had in there. But the unknown shopping – it's just things we can't really tell. Well, it is like Walmart, Target, like you said. Oh, okay. That's an extra$1 ,200 or$1 ,021. No, but that's fine because Walmart is gas and groceries and Target is groceries. Then you're spending$1 ,000. Spending way too much. $200 on groceries. It's not miscellaneous.

37:49It's not. It's not just crazy. No, no, no. That's still absolutely ridiculous though. I mean, yeah. You can't spend that much on groceries. We're hungry.

38:02it is it is mainly the snack okay okay also like not to be like that not to be that vegan that's like i'm vegan but like we are vegan and it's more expensive that that was totally valid for me to bring it up first of all i wasn't just being annoying about it no but the way you had to open it well because i didn't want you to be like oh she's saying it like that you know well Maybe it can't be. Oh, okay. Well, you can't afford it. It's literally not. No, no, no. Like, you can't afford it. No, like we can. If we just are smarter about it. No, no, no. I want to be clear. Beans are cheap. Sure. You spent$12 ,000.

38:36You brought in$6 ,430. We'll just have to buy more beans. Okay. Yes, if you do it like that. Yeah. But you cannot afford your current version of veganism. No, no. We'll buy beans. And I don't know. I see it your way, but I feel like at the same time. How long have you guys been vegan? Is that why he hasn't grown past five foot three? How dare you? So I was vegetarian first for 10 years. I actually don't care. I was just trying to make a joke about him. No, I'm telling you. I'm telling you. And then I was vegan. But I'm not going to let you. I was vegan. Guys, you will not leave until you download the Simpler Budget app.

39:08You will know these numbers. You will know these numbers if you actually have this because it's automatic connections. Use the community feature in there. Keep each other accountable. Do all that. Use it. You get the premium version forever. just like everyone that gets the annual version of simpler budget you get assigned why do you mess it up every time what do you mean like i don't know do you just intend to do it slow when you say this part it always okay i don't know whenever i'm watching the videos it always seems like you kind of like forget the name of that forget it i'm so happy to receive it Thank you.

39:44I'm happy as well to receive it. Assigned simpler budget notebook. I was just curious. I wasn't even like. It is actually a fair question. Is it? I guess. A little bit. I mean, it is your ad. Yeah. You know. Ad, app, app. Thank you. Thank you. Journal. Journal. Journal your financial progress. So I will read it when you guys come back on. Okay. You also get a cookbook. We're going to have to mail it to you because they're not here yet, but they'll be here by the time everyone's out there has seen it. So everyone that gets the annual version of the Simpler Budget app gets a signed cookbook that we made.

40:18So there you go. And you guys get that. It's not vegan. We can adapt. Because I'm not weird. We can adapt. Okay, so what is your household financial score? Zero. What do you think? Oh, well, I've seen the show so many times. I know you're making pauses. Then you could have done the score like a normal person that does it. If you're working on weight management but are tired of the constant doctor visits and insurance hurdles, this is for you. With the fastest working GLP-1 meds, you can lose an average of 15 % of your weight and pay half of the list price with today's sponsor, Roe. With Roe, leave the typical healthcare frustrations in the past.

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41:31Head over to roe.co.caleb to explore your options. You could be taking the first step to a healthier you. Again, that is ro.co.caleb. Go to ro.co.safety, ro.co.safety, for box warning and full safety information about GLP-1 medications, medication indicated with diet and exercise. You know I set you up and you say it at the same time? Yeah. Why did you go from intelligent about, you went from financial audit intelligent to financial audit retarded in three seconds. To be fair, that was all her. I was waiting. My bad. I jumped the gun. Okay. If you want your financial hammer financial score, link in the description below or go to calebhammer.com.

42:18Let's jump into these finances. Discover it. Whose is this? Because I'm assuming we're not authorized users on each other's cards. Is that correct? Correct. Do we know what's going on each other's cards? Yes. Okay. Discover it. That's me. Okay. What's going on? A lot. A lot is going on. Yeah, how about an actual answer? I was getting there. Where are you? You're always getting there, and then you never seem to arrive. You don't like me. You don't like me, Jesus Christ. I don't know if that's a good thing to – okay. Anyways. She just takes a little minute. She has a little intro. She needs to warm it up.

42:57It just has a lot of money on it. That's what's going on. Yeah, why, dude? um because i put a lot of money on it and no okay honestly yeah that's gonna help you solve this problem yep why is there a lot of why is the balance high why is the balance i was so tempted to say i bought things but um what are you doing listen there's 283 dollars of purchases on here 369 dollar minimum payment i paid them off immediately though so the the purchases but no it doesn't matter if you paid just those purchases off because then and i paid hey because with the interest accruing of 211 dollars your balance only went down a couple hundred dollars yeah and it sucks i know yeah yeah i'm well aware your choice though well okay the your purchases were on there the 200 the 200 was one of the rat things because we hadn't gotten paid yet and we were literally at the vet with him what was i gonna say no don't do the emergency surgery yeah it was also a 70 dollar purchase at a restaurant It actually isn't a restaurant.

43:59It's a subscription. I'm pretty sure. A subscription? What does it say? What does it say? Dropout? Yeah. What is it? You should watch it. Dropout is great. That is a subscription, actually. Yeah. It's like a streaming service. It's an annual subscription, and it's for like... You know the people that used to do college humor? Yeah. You know college humor. Okay, yeah. It's like them. Yeah, it's like them, and they have their own shows that they make and produce. You look like someone that would cancel college humor. Okay. I mean, they're just funny. You should watch it. Okay. How long does this take to pay off only doing minimum of the payments?

44:34A hundred years. Without. Okay. I'm sorry. I'm sorry. I'm sorry. I think so. I think that's what it said. That's without you purchasing on it. But you always purchase. I know. To get your special college humor subscription. Well, to be fair, it's not always. Not always what? Huh? We don't always purchase. No. I don't believe that. The subscription is annual. Yeah, that was an accident. Yeah, that was an accident. We forgot about it. It was an annual subscription. We had gotten like a discount for it the first time. I used to pay it off, as everyone says. But I don't know. I think I never looked at it.

45:09You know, it was like, it was always like actually fine. You've always paid it off then. I don't have any late fees. I've never had a late fee. You mean you've made a minimum payment. Now you've always paid it off. No, no. I used to like in the beginning of having it. How do you know if you don't even look at it? I did look at it at that time. What made you stop looking at it? Being with that ex and just having to pay for stuff all the time, it was just very stressful and I didn't want to look at it. I don't know.

45:35Is everything, everything ever going to always just come back to the ex? That's like two things. Or is there any personal responsibility in this? No, there is. There is. Because so I was giving the – I was getting there. So I used to pay it off. Buddy, what the fuck? And I stopped paying it off as much. Can you like throw something at her next time she says that? Don't do that. I stopped paying it off as much because of that situation and then when me and him broke up and I said I just like started buying myself stuff so then I really stopped looking at it because I was like I want these things I couldn't tell you the actual number 2019 cool you've had five years what the f*** yeah you've had five years what the f*** well I would say the issues you've had five years what the f*** I would say the issues came after too and you answer what the f*** yeah I will five years yes Of doing nothing?

46:25Of not giving a shit? No, the five years is the f***ing up. Five years is f***ing up the whole five years until right now because it is borderline close to being maxed out essentially. Yeah. So I think where it started to go wrong is what year was that? 2021 or 2022? What do you mean? When I started getting a bunch of squishmallows. Oh. I hate to be a stereotype. I do. that started out in 2020. They'll know. The watchers will know. They'll look at me and they'll be like, yeah, she would have Squishmallows. You're looking at me like I'm the weird one. Yeah. Because if you ever walked into CVS, you'd see Squishmallows.

47:05That's true. Why am I going to CVS? Or Walmart. Costco, that's fair. You never need a prescription. Costco's got the big ones. You ain't trying to get groceries for cheap. I go to H-E-B. You guys don't have that. Yeah, we don't have it. But you have your own versions. What are you talking about? I don't even know what it is. It's a grocery store. We have Walmart. You live in Tampa. We have Trader Joe's too. There you go. We go to Trader Joe's as well. They're little plushie things? Yes. They're very cute. I'll show you my collection. So you got a$25 ,000 plushie debt? Not quite that much, but I definitely was going a little crazy.

47:41I was going to say I wasn't buying them like new. What's the closest you've gotten to paying this off in the last five years? Have you? I couldn't tell you. I really couldn't. because this is on honestly this is part of what pushed us to like me pushed me to like fully be honest about my finances because what does being maxed out and then still being maxed out five years later yeah not not well obviously not that long ago but it was like it was getting really bad how long has it been since you came clean like a year a year and a half a year and a half okay so you've done nothing in a year and a half and you're okay with that you're okay with your person that you're gonna marry doing absolutely nothing about this honestly to be completely honest.

48:22Insane credit card balance. No, it's bad. I was in bad debt. This is almost as much as my entirety of my multiple bad debts when I got out of debt. This is one credit card. This is fucking crazy. Yeah, and it's not that I have an issue of nothing happening about it. Obviously, you were trying to tackle it. I did do things. I don't have an issue. I did make big strides. I did get some money from a relative a few years back, and I put a lot of that towards paying it off. So like I was making strides probably like two years ago or three. How much did you get? I don't even remember to be honest. How did you get the money?

48:58Why did you get the money? A relative was nice and gave it to people. No, how much money? I don't know. No, about how much money. Hold on. No, no, no, no, no. No, no, no. How much money? I really don't know. How about rounded? Give me a rage then lady. I don't know. I think. How can she not know? Who am I talking to right now? I can say that I think I think I used like$10 ,000 to pay down the credit card. You've got at least$10 ,000 and it's maxed out today. Well, I don't have that anymore. Yeah. And oh,$10 ,000. Oh, that's the compounding. Compounding an investment account that would have made so much money by the time you retired.

49:41Oh, for me. Yeah, but I. That's so moronic. $10 ,000 is gone like that. I know. I know. And that's another thing. It's like. And then there's nothing to show for it though. Because you built it all the way back up other than a collection of plushies. Do you still have the plushies? Yeah, I do. Well, you can sell them. No. Okay. So I guess we don't care about going to Oregon or going to grad school or paying off debt. Or having an emergency fund or making sure we can take care of our rats next time they get sick. I'm not going to sell the dragons and I'm not going to sell the Halloween ones. Because they're more important than the rats.

50:14No. With your actions, you are saying yes. Mm-mm. But with your actions, you are saying yes. I hear you, but it's just like... You hear me, but here's a thing I'm going to say. No, absolutely not. You just need certain things throughout your life. You need a dragon plushie. I'm not saying you necessarily need a dragon plushie. Then what the f*** are you talking about? Everyone needs... Not a dragon plushie. Not a dragon plushie. They get rid of the dragon plushie. But they need a metaphorical squishmallow. They need a little treat, you know, every now and then. Every now and then, it's fine. This is a permanent one that you...

50:46Huh? I just said don't say little cheeks. What do you guys – you guys see usually – honestly, half the time – no, not half the time. 90 % of the time I have couples on here. They kind of go at it because they have disagreements. Things are really hard. No. You guys are actually even worse. You just fully enable your – We disagree sometimes. No. Yeah. You fully enable each other's bad behavior and allowing you to never make progress in life. I mean I don't think it's all the way just enabling though. No. I think it is. I'm not going to lie. I'm not going to lie. Well, a potential reasonable one in this relationship.

51:19Who would have thought? I'll be like, oh, but I really want this limited. Like when I was getting a lot of Squish Melons. Because I'm not anymore. I haven't bought one in like a long time. Anyways, I would ask him and I'd be like, is it okay if I get this one? Because like I just didn't. Like I said, I didn't look at things. So I'd be like, is it okay? And he would just kind of like say yes no matter what. How much have you spent on fucking Squish Melons? Mellows. Maybe.

51:47I'm scared to even think about that number. Think for a second without a massive story needing to be recalled. I wasn't going to tell a story, thank you. I don't know. I kind of saw it on those. On what? Were you going to say something mean? Yes. But I chose not to. But now I want to know. That's progress. That's restraint. That's the first steps. I have it here and there. Yeah. At least 500. It's going to definitely be more than 500. Over a span of time, not like all at once. Probably a few stacks over the span of time. They're telling me the inheritance was$45 ,000. Well, there you go. I told you I didn't know.

52:32That could have been your guys' 20 % down. That could have grown into a 20 % down on a house. That could have been childcare for a kid. That could have been retirement. No kid. I don't know. Yeah, it would probably come out as a demon. I don't know. I don't know if we want that either. All I'm saying, that could have been so much. That could have been so many vacations. That could have been compound growth beyond compound growth. That could have taken care of the rats. That could have taken care of every rat forever. And it's gone with nothing to show for it. Because all you've done is just put all the debt right back up.

53:11Yep. All for the sake of fucking squishing melons. But I didn't use all of it for the credit cards. I used the$10 ,000 for it, I'm pretty sure. But where's the rest of it? I don't know. Emergencies, probably. No bulls**t. Come on. Where did you go? Actually. Well, you'll probably just support exactly what she said because you guys don't know how to call each other. Nah. But there was like a portion of time where like I was unemployed. Yeah, that was a big factor. So when I was going to work, I was getting paid not a lot of money, and I had a decent drive. I was getting paid like$13.50 an hour.

53:48For how many hours? I was an EMT. Okay. Well, that's money. Money pays bills. I don't know if you know this, but$13 pays more money than$0. It's just an interesting mathematical situation. I know what you mean, but when I was trying to drive to work, I would have to take tolls and stuff. Sure. And the drive ended up being so expensive that I was like, this isn't going to be— What are you saying? See, he does it too. I ended up having to leave that position. Why? Because it was getting too expensive to get there to work. And the hours. With the gas money. And the hours. How many hours a week were you working?

54:31No, not that. He was working weird overnight-ish shifts. I don't care we all do that. I was working like 56 hours. You made more in that shift than it cost to get there if it was a 12-hour shift. I was working like 56 hours. Take that microphone. Point it to your face. Twist it to that mouth. Okay. So, it really wasn't making a lot. And the hours with everything. Our relationship wasn't doing great. When I was working there, especially we were having a lot of arguments. She felt like we didn't have a lot of time together. And so I started trying to look at other jobs and nothing was hiring. Nothing was hiring you with your current resume or a job that you were willing to accept.

55:20No, that wasn't it because you got… Yes, it was. No, no, no. Eventually we got like a few… You worked at Cheddar's. When was this? Oh, yeah. I did work at Cheddar's. When was this? 2023? No. Yeah, you could have got a job. In Florida. I worked at Cheddar's for a little while. He did get a job. Which was like a restaurant. Okay, well, Central said he didn't, but... He misremembered. I was unemployed for a period of time, but I guess it was after Cheddar's. It was after Cheddar's. So how does this mean... Because we used my savings to kind of like stay afloat during that. Why didn't you go work more?

55:57Because I didn't... Not I didn't want to. I was going to say that, but I'm not going to say that because it's not true. It's not. Okay. Then what? I have a lot of health problems. What? I mean, we don't know yet. That's the problem. Then what happens? No, it's true. I'm literally going to the doctors. I'm asking what the fuck happens? I mean, I have some sort of arthritis. Okay. And so like with my job, I'm a barista, you know, doing repetitive movements. Yeah, maybe we don't do that job. Yeah, but and do what else? That's going to pay me$20 to$17 with no degree. The vast majority of jobs. With no degree.

56:27With no degree? Okay. It's a little harder to get into. I can gift you a course career certification of your choice to help you change things up career field-wise. But either way, you would have to use the experience, hopefully managerial experience you have there, and try to get into a company that's likely going to maybe be lower out of the gate but with career opportunities internally. There's actually relatively decent career opportunities within Starbucks. But either way, and actually decent benefits as well. But either way, if it is not working with your body, yes, maybe we have to do something else.

56:56But I like the job. I know. I know. Do we like paying bills and draining our savings and like the job or actually do something? There can be a happy medium, I think. Well, there wasn't. You blew through your savings. There wasn't at the time. At the time, impacts now, and you're continuing the same things. If you got that lump sum today, you would do the same dumpsery because nothing is – No, I don't think I would. You spent double what you guys make, right? Because of the rat situation. No, the rat was like$1 ,500. Yeah. So that's not true. I don't know if you guys know this, but$1 ,500 is not double$6 ,500.

57:34So, wrong. Sure. Sure. Okay. If it makes you feel better, I did do like a good thing. I contacted Discover in December because I was stressed out about it being maxed out. And I have like a low interest rate now for a period of time. Yes. Low. Yeah. Compared to what they are. 10%. Yeah, compared to all of the other - Lower, not low. It is not a low interest rate. Well, lower. It is a lower interest rate. Either way, it's lower. Still not something to celebrate because it is f***ing you beyond belief. It is barely keeping up with the S &P 500. It's not f***ing me as much as the other interest rate was.

58:09Yes, sure. That doesn't mean it's good, though. I think there can be small wins. That's how - Positive reinforcements. You know what? Actually, you know because you feel like you got a small win, you know why that's actually bad and why I'm going to tell you go f*** yourself? It's because that small win has actually made you feel like you don't need to pay this off. Because you had a small win. And that's why it is still maxed out while you're spending hundreds of dollars on there on a monthly basis. Because you feel like you made progress. But in reality, you didn't. And now you're f***ing yourself because you thought you won.

58:36But you're just getting beat. The balance did go down. You helped the credit card company win. For all my current or aspiring content creators, keep listening. Making videos can seem like a breeze. But let me tell you the truth. It's not only hard, but it takes time and a lot of it. But with tools like today's sponsor, InVideo, it doesn't have to be. InVideo is a tool using AI that empowers you to make whatever kind of content you need without the usual hassle. Say goodbye to hours at the editing doc, days of filming, and recording your own voiceovers. Whether you're a content veteran or just starting, InVideo is there to make the process easy.

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1:00:30Try out the future of video creation today. F***s sake. Okay, what is Discover It? Whose is this? Um, probably mine. Yeah, you're Discover It because the other one was Discover It too. Okay.

1:00:45Okay. another big balance that's not as big as yours. $6 ,685.55 minimum monthly payment $170. No purchases. Well done. Thank you. Basically maxed off though so it's not like no purchases weren't being done recently. 27 years to pay this off 99 years for the last card so we're paying off debt for the rest of our lives. Oh is it 99 not 100? It went down? It was 100 so last statement. Those are small wins. Sounds like you don't make progress. I think positive reinforcement is a good thing. I'm sorry. If you think that's a good thing to think. However, look at the actual results. It hasn't worked for you.

1:01:21Positive reinforcement works in some things. It has worked because these this month is better than other months. I know that that's like it's not good. Being basically maxed out is better. Yeah. It's still a small win. You allowing yourself to take these wins and making them bigger, better than they are is preventing you from actually digging in and taking care of shit. It's enabling you to spend that money you spend on the credit card. I'm okay with small ones. I'm okay with positive reinforcement. There's a place for negative. There's a place for positive. This place, you're using this as a crutch and then you guys enable each other.

1:01:55You're not using positive reinforcement correctly. You're f***ing yourself. You're destroying. What's up with this card? What's going on, guy? So I opened that when I was in college and whenever I had anything that I wasn't able to pay for, like books. And then I guess also when we started dating, we started going out to eat. I started putting that on the card sometimes. And I basically maxed it out. When? Because it basically still is. I would say maybe like 2022, 2023. So what have we still been spending on there then? obviously keeping it at the max. Well, I was just doing the minimum monthly payments.

1:02:43Yeah, but that would have gotten you lower than you are now without purchasing. So what have you been purchasing? Not in this month, but you have been purchasing. Honestly, you can't even remember it. I bet it's vapes and shit. I mean, probably vapes here and there, you know, if I ever really needed it, or I guess not needed it, but wanted it. What was it, 150 bucks a month? 175, something like that? And I mean, you know, I also had like lunch at work sometimes, you know, I have like - Huh? Pack. Well, yeah, I understand that packing. Absolutely. Packing is the way to do it. But sometimes I forget.

1:03:22And sometimes - No prep. Have it ready to go. I know, but it's a lot to do, especially because - No, it's literally not. Well, hold on a second. It's like actually the least amount. Oh, I truly just disagree. Well, you're right. Sitting on a couch is a less amount of something. It's not that I'm sitting on the couch. I work like two overtime shifts a week. So you have two shifts to pack for? Not two shifts to pack for because I have like my whole normal work schedule Monday through Friday. How many hours a week do you work? I work 56 hours a week. Okay. Okay. That is definitely on the higher end.

1:03:59Absolutely. You still have time to meal prep. Sandwiches are cheap and easy. Pack in a bag of chips in a Ziploc bag. Chill.

1:04:11Or whatever the f*** the vegans eat. I don't know. These are great. The dashier, the better. I agree. It's just been a little bit difficult getting into that cycle, especially because like— There you go. That's the issue. You're not getting in the cycle. You're not pushing yourself. You're not actually taking the sacrifices necessary. We really try to. He doesn't sacrifice his Red Bulls, though. The Red Bulls is a thing that I'll get every now and then. At gas stations or vending machines? At gas stations. Why not buy a bulk? You jerked off Costco's dick earlier. so buy it bulk. We don't have the membership anymore.

1:04:45We don't have the membership for Costco anymore. Walmart! Yeah. Well, he gets big packs of Coke from Walmart. I do get big packs of Coke. But get your Red Bull there too. If you're going to drink, I'm not against having beverage. Just put it in your grocery budget. Yeah. You can't be stopping and getting a price per ounce that's absolutely ridiculous at a gas station. I know. And that was, I guess the plan was to try to like not have the Red Bulls at all and that's why I never buy them in bulk because I always try to be like, all right, you know, if I have a Red Bull, I'll try to have it like once or twice that week, especially on the days that I work my overtime shifts.

1:05:21Because on Fridays, for example, I get in at 8 a.m. I don't leave till 1230 a.m. Yeah, I'm with you. So I go get a Red Bull. I go meal prep. Help meal prep. Take care of each other. He takes care of certain things. You take care of other things. We support each other in different ways. And, like, I'm not saying I won't because, like, literally recently we have been, like, trying to split. Because I don't really cook. I don't cook. He likes to cook. Great. Well, he's the one that works 60 hours a week. Yeah. How many hours a week do you work? 32 to 34. Yeah. But, okay, so I'm an opener at Starbucks and I wake up at 2.45.

1:06:03And then I come home really early, yeah, but. There you go. Yeah. but we haven't okay I'm getting there as per usual if you will let me finish but I actually don't even know where I was going now so that's why I usually don't let you finish that's valid actually but I think the main issue is especially with the cooking is we haven't had those talks where we sit down and try to think about well when we try to think about like what exactly would be the meals that we would go into. Some of it goes into like, all right, well, I have like a certain medical condition where certain things that I'll eat like either make me very nauseous or, you know, make it very unpleasant.

1:06:53You know what it is? Yeah. How restrictive? I mean, it's the reason why I went vegan. Well, what is it? Just you eat beef and you sh**t your guts out? Partially, yeah. Okay. Yeah. You know? You already guys know that you're vegan, so just do this vegan. It's also just like we'll be thinking about how we can have those meals, like what type of meals we can meal prep. And I guess we just disconnect there. Well, it's because we can't eat a lot of the same things. Because I like a lot of fresh vegetables and leafy greens, and he can't eat those. So why are you looking at me like that? Why can't you eat those?

1:07:32Well, sometimes it's far too much fiber. And like usually. What the f*** can you eat then, dude? Well, cooked vegetables and stuff. But he doesn't like a lot of cooked vegetables. What do you eat? I do eat cooked vegetables. Soy? Tofu. No, when you said eat a block of tofu, that's literally what my dinner was. So you're just going to your little goblin hole and eat f***ing blocks of tofu? Damn straight. With some spicy mayo. Mm-hmm. Yeah. Air fried tofu. It's not real mayonnaise. No, it's fake mayonnaise. That is so silly whenever people say that. Like, we told you we're vegan. Obviously, it's not real mayonnaise.

1:08:08Well, let's not call it mayonnaise, then. Well, that's what it says on the jar. Okay. It says plant-based mayonnaise. Hot dogs are those dogs. Let's not call it that, then. No, but that's the name of the food. And it's mayonnaise. It's the name of the food. Yeah, but it's not mayonnaise. Listen, all I'm going to say is I'm doing a little hee-haw on vegan. I would actually enjoy vegan cheese if they didn't say it was fucking cheese. nah you're tripping you're tripping 100 % that's just a you problem brother I wanted to support the actual food item it doesn't taste or have the texture oh how dare you have you had rebel cheese they're local here I learned that and they're fantastic and it was actually the worst restaurant I've been to this last year I don't know about their restaurant I don't care but their cheese is good well they serve the cheese there I had a lot of their cheese I had their sampler platter you had debris dude I had so much I had so much there.

1:09:01It was the worst wrestling experience I've had in the last year, and I'll never go. Maybe you don't like cheese. I love cheese. Cheese. Listen, here's the thing. Again, when I go to the farmer's market here, there's lots of vegan things. I would actively just, if they had a different name for what it is, if they called it Falamajam, and I'm like, oh, what's Falamajam? Oh, that is really interesting. and they didn't say, this is cheese. Then I put it in my mouth and it's like, not even in the same world is cheese. They just call something else and I'm totally down because then it's its own food.

1:09:34Nah. Don't call something meat if it's not meat. Nah, I didn't. It doesn't taste like meat. It doesn't have the texture of meat. It's not meat. Oh, we could put you on to some things that actually taste like meat. Well, guess what? I had all the best meats. Did you have Juicy Marbles? At F***ing Rebel? I had all their deli meats. Juicy Marbles? 100 % blow your mind away. They should put us on the payroll the way we sell them. Like hype them up to people. I'm going to try it and it will be at the end of this episode. Oh. And I will give an actual real review of someone that's able to eat also just food so I know what other things taste like.

1:10:13Okay. Bank of America credit card. Who's this? Oh, that's me. What's up? I opened that up because we were moving into our alone apartment and at that point alone apartment like without the roommate and it was when i was transitioning into being an emt when we had first moved into that like loner apartment together what no no no never mind never mind it was after that no literally i'm tripping i'm tripping i'm tripping but i didn't have the that was when you were the paycheck no no no i didn't have the paycheck yet like i had started the cheddar's job but i I didn't have the paycheck yet. Sure.

1:10:50And I opened up that Bank of America card to put first month's rent on. You put rent on a card? I put rent on it, yeah. Absolutely. Oh, my God. Oh, fuck. Oh, dude, it's basically maxed out again. So you may not have purchased this month, but you definitely have within the last few. There's no mathematical reality world where you didn't have recently purchased. It wouldn't be possible. Nah The minimum It wouldn't be possible The minimum monthly payment On that one Was super low For a long time And I was only paying The minimum It must take nine years To pay off But the minimum Oh for f***s sake Yeah minimum Oh for f***s sake This isn't related But they just wanted to Feed me a little F*** you to me Just ruined my day You didn't pay your taxes In 2023 Why For why It's not like you make money No no no So I mean you do No you do now No nevermind I was more thinking you.

1:11:50When we had, and I think it must have been an issue, it was that we moved apartments. Yeah. What? For tax? For W2, yeah. Getting it mailed to. Oh, my gosh. You can get it online. I didn't receive. Well, hold on. Here's the thing. I looked up online. Okay, you guys have two catchphrases. Here's the thing is yours, and let me get there is yours. Well, maybe if you let me get there. Do you guys just repeat those to each other all day? Probably. You just walk around like little NPCs? Well, here's the thing. Probably, honestly. let me get there here's the thing tell me the thing that's here so the issue is I never got that W2 sorry I didn't get that I didn't get that W2 in the mail and then I tried to look it up online I really did I couldn't find it no did you call them I called them and they gave me an email to email I emailed them several times and they never emailed me back Did you call them again?

1:12:46Yes. And then I called my supervisor because I still had like his number. Yeah. I was like, dude, I don't have my W-2. I can't find it online. And he gave me the same email again. And I was like. Yeah, it sucks. What the heck? Okay. Well, it's been a couple of years. Yeah. I feel like it goes in. Do they tell you how much you owe? You just haven't filed. Yeah. 2023. No. You're likely not going to be on the radar anyway. but like that's still I mean it could randomly f*** throughout the next few years if something I don't know who knows you never know how things change I know and I am trying to get like somewhere with it I think I saw I did file for an extension when I didn't get that W2 and but then I kept trying to like email and call and I never got the W2 so I missed the like extension did you pay 2024's taxes Not yet.

1:13:45You haven't had to. We're not at the deadline yet at the time of filming this. Pretty close, though. I know. What does your tax situation look like for this next year? Shouldn't it be too crazy if your withholdings are proper? It's just W2. I'm assuming that whatever return I would have gotten on that 2023, I probably won't be receiving when I do follow up. Where do you guys usually put your tax returns? I usually do TurboTax. No, I'm not the Puff one. What do you guys do with your tax returns? Because usually when we're in a financial position, a lot of people rely on their tax returns. In a way, in a little bit of a way this time for me.

1:14:20Because I filed like ASAP as soon as I could. As soon as I had all my stuff. For last year. For, I don't know, in January. For last year. Yeah, for last year. Okay. Did you get the money? What did you use it for? It was like fate almost because I got like the exact amount that I got was how much money we had left. What credit card did you pay off? It wasn't a credit card. It was a loan for a PC. For a PC. But you paid off the loan. Yeah. Yeah. All the way. All the way. It was like the same exact amount. It was fake. Yeah. When the f*** did you get this PC? How much was it? $1 ,500. I think. You got a loan for that?

1:14:57Well. You could have cash flowed that. We did. You guys' income. We did like the bread pay thing. We were. We were. We didn't look into it enough. It was. We thought it was. Is it even good? What do you have? The PC? $30,$40 or something? I don't know anything about anything. I play Stardew Valley. That's all I got. You play Stardew Valley, yeah. You could have got a Switch. We have a Switch. We have a Switch. And I have it on my, the Xbox as well. Okay, anyways. Okay. It was one of those, it was almost like Afterpay kind of thing. Yeah, it's like Afterpay. I don't remember if I set up a geo,$1 ,878.58 on here.

1:15:31Minimacy payment,$57. Nine years to pay off. Interest rate, 27.24%. Synchrony. What's this? Who's the synchrony? Me. What's going on? It's my care credit. So... Yeah, it is. I don't like care credit. You have them and you refuse to get rid of them because... I don't refuse. I want to. I'm just getting there. Well, you're not making the choices that would do that. I'm getting there, but... Kind of. Kind of. Again, like usual, no, you're actually not. A little bit. What's your food spending in your book? Okay. Yeah, I'll give you that one with the food, but... Yeah, you'll give me reality? Thank you.

1:16:09I appreciate it. So I, I'm sorry. 13 years to pay off,$2 ,804, five cents, a$92 minimum payment. Why'd you get into this? How'd you get into this? In 2022, I think, maybe-ish. So like I had braces when I was little and I always wore my retainers. Yes, I'm going back to braces. I had always worn my retainers because, I don't know, I wanted my teeth to stay nice. Like, I don't know, most people don't do that, you know, but I did. Not like staying in any type of way. Thank you. I appreciate that. but so this is all a visalign not all so so yeah okay 13 years to pay off

1:16:54yeah lots of interest this year so far just this year so far 300 yeah and I don't even think I've made a purchase at all on there so it's like I mean like obviously the balance of time 26 % okay is that all the debt No, no, definitely not Wait, what is this? Okay, I have an account here Balance,$40 ,000 Oh yeah Auto, Subaru Subaru Legacy Yes sir Why'd you get a 2022 With your guys' financial situation Why would we get a$40 ,000 Why would we get a$40 ,000 Car in your guys' financial position Guys Guys,$40 ,805.28. Come on! Yeah, no, I definitely hear you about it. And hey, it's not fantastic for sure, but I don't think it's the worst at the same time.

1:17:51I told him not to say that. Hold on, hold on, hold on. You're right, it got$100 ,000. No, no, no. Hold on. So before that, I had like a 2012 Chrysler 200. And when I had bought that car, it was just because I had an 06 before that. 06 what? It was like a Mercedes E350. I don't know why I asked him. That one wasn't my idea, but that one was a cheap car that I had gotten. You got the dealer mobile and then something happened. Okay. Yep. And every single time I had to take it to the mechanic, it's been like several thousands of dollars. I don't understand why the sequels get a$40 ,000 car. Well, here's the thing.

1:18:35When I was driving the dealer mobile, one of the issues that it had was like control arm issues that the mechanic had said. But it had like spun out and I was just out of control on the highway and ended up perpendicular to the lanes. And that just really got me sketched out about the car already. and when I had gotten that car, I was trying to get purposely a cheaper car. What was cheaper? Well, that one was like a$10 ,000 car. Cool, get a$20 ,000 car. No. Better than$40 ,000. And I hear you. But that was like a$20 ,000 car and I had to roll over negative equity from... How much? It had like$5 ,000 to$6 ,000 of negative equity on it.

1:19:23So it would have been a$25 ,000 loan. And I got like gap insurance with it and all these. Warranties and all that bullshit? All the way up to, when did you get this? We got it just like this year in October. How much was it? The whole thing. The whole package. I don't think they told me the full number. What's the interest rate? It's 8.24. 8.2 on$40 ,000. I know, but. Term length? It's like 80 something. Long term. What? What's the minimum monthly? The minimum monthly is like$668. Good death. How the f*** do you think you can even afford that? Well, that's the thing. What's the thing? I started working a lot more of the overtime shifts, and I was very regular with that.

1:20:13And so, you know, my income had inflated. It basically doubled from where it was. And I didn't want to get another car where I was just like, man. But there's a middle ground. I know that there's a middle ground. but honestly I got very excited about it because it was a used car it had 13k mine I will die in that car you can bury me in that car you probably will if you drive like you did in the charger well it wasn't a charger late payment assessed fee hey we pay all our bills on time they said that earlier in the conversation I said I do this is about to be your husband that was a mistake here's the thing So I believed, because when I first called to make a payment when we got it.

1:21:02I need to put you at two times speed. Can I push that button? I say that all the time. I'm like, let's speed it up. Let's go. I'm sorry. You know, it's just the way I speak. But when I went and I got it, I called to do the payment. They're like, so there's a 10-day grace period in order to make the payments. And the payment is at the end of the month. So I had. Boring. Oh, yeah. You had a late fee. I had a late fee. 8.24 % interest. It's a better interest than the last car. What do you drive? I drive. What is the car worth? Do we know? Do we know? A 2017 Honda Civic. Does anyone know what your car is worth?

1:21:41My car is like$25 ,000 or anywhere between$23 ,000 and$25 ,000. Assume$23 ,000 then. That's an insane negative equity position. Do you have a loan on your car? Mm-mm. How is your car? I mean, I don't like it's good in the terms that I don't have a loan and I don't have to pay money for it, but it's kind of like screwed up. Why? How? Tell me. Because people hit my car a lot. It's like I get in a lot of accidents and like they are actually genuinely not me. I don't know. Ask Tampa drivers. They're literally crazy. Like I got rear ended while I was fully on a stoplight. OK, so I got rear. This was the first time I got rear.

1:22:17No, no, no, no, no, no, no, no, no, no. And just to like make it even better. there's part of this that has to do with the ex because he let his friend drive my car while he was on acid. You get an accident. You get an accident. I got re-rendered. Yeah, that's it. That's it. I wasn't even saying anything. No, I drive very well. Thank you. Oh, then your insurance would cover it. No, no, no, no. No, because I didn't call the cops because the guy, it was my first accident and the guy was very like, oh, are you all hurt? Do you need a ride home? I'll call you an Uber. Like he was like very nice. And I was just naive.

1:22:44Well, accidents would imply more than one. Well, that time. And then my insurance did cover, it wasn't like money-wise. How is the condition of the car drivable? It's all the way drivable. It's just that it doesn't have lights. I don't care. The rest doesn't matter. Lights, replace them. Fire the f***ing place and get lights. It's the wire harness. It's like$2 ,000. We might need that because you're probably going to get pulled in and get a ticket, right? No, no, no. So we have a system. Yeah, we have a system. She doesn't drive her car at night. I have brake lights. I have enough of those. The brake lights work.

1:23:18and I have like a little bit of headlights, like not the full headlights, but so I don't drive it in the morning. He drives, I drive his car to work and then he stops by. You've had four re-endings. Yeah. I'm literally just stopped. I don't know what you want from me. Like they hit me. No, I want you to go get shucks and try to claim insurance and call the cops, do the proper things. And I think you'll probably, once I say this, see a common theme is like we're just chronic pusher offers of things. Like we want to do things, but we just keep pushing them off. Well, because you refuse to make a single plan, so why would you do things now?

1:23:52Yeah. I mean, it aligns with your entire worldview and what you do in life, so I'm not surprised. Student loans, I see$21 ,922. So whose are these? Mine. For what? I got a bachelor's in biomedical science. Cool. Is there a minimum of the payment associated with these? Not right now. Why? They're in forbearance. Okay. When does that end? I don't know. when the forbearance. Forbearance? That's what it said when I looked. Yeah. Not deferment, forbearance. Forbearance. That's what it said. You're 100 % sure. I'm not confident in that. Yeah. I don't know. Okay. And you talked to them and said you had hardship or something?

1:24:36No. Just nothing happened. Yeah. Yeah. I don't know. It just got put on that. And I said, okay. Does it have an ending date? Not that I saw when I went. They didn't have an end date for the forbearance period, if that's what you mean. Well, interest is still probably accruing. Yeah. So why not make payments anyway, then? Yeah, I got you. No, that was my question. I mean, honestly, because it felt like not the priority when all the other debt was so much. But at least payments to cover interest. Just interest only, at least. Okay. Is that the end of debt?

1:25:15I think so. I think so, yeah. I see 1 ,186 in this checking account, but that's not bad at all. Whose is this? Bank of America. Mine. Okay, not bad. Zell, mental health. 2 ,132. That's the deposit, sorry. Oh. Fuck the tits, okay. Okay. I mean cheap at Target Highly not this grocery is for$16 Yeah definitely groceries Really? Yeah You don't have time to cook but you have time to go to the grocery store five times a day No we live like less than a minute next to the Target It is right next to the Target You live less than zero seconds from your kitchen Yeah and then we cook with the ingredients But there's no time for the kitchen No no no it's not saying He cooks dinner like every night so it's not even like that And what are we talking about why can't you prepare for the next day It's because we don't have the forethought sometimes.

1:26:12We don't think about it. It's like the pusher offer of like, we'll plan it tomorrow. Yeah. Okay. Wendy's smoke shop. Yeah. Salon. Vending machine. Yep. Twigs garage. That is technically a work expense. Are you able to declare it as a work expense? Every rose,$150. Oh, that was... That was my site, but that one got refunded. That's the one I was talking about, yeah. It was to make sure that we had a way to pay. Smoothie Evos, Baby Groceries, Taco Bell, Amazon, Zyko Brew, Museum of Science, Taco Dirty, Taco Dirty, Vapor and Pipes, Amazon, Amazon. We've got to go through those. Apple Bill. Cash App and Out, Amazon.

1:27:00Ginza Online? Sushi. $43? Yeah. $43. You don't have money. You're trying to move to Oregon. Why are we even moving? we'll talk wait hold that maybe groceries maybe groceries burger king the garage the garage burger king vegan international that was the burger fat burger greenhouse smoke taco bell vending machine burger king netflix going in getting some monster vapes you vape endlessly this is crazy you're gonna die don't you want to be around for her amazon amazon amazon amazon spotify vending machine vending machine, maybe groceries, cash out about$35. Lots of cash out by. And then also Zellen, Zellen, Zellen, Zellen.

1:27:40Lots of Zellen out. Is that to her? Yeah, it's money between us. Why? Because we don't have a joint bank account. Yeah, but what are you guys sending? And for what? Bills? For bills or any payments. Or like the vet stuff when I didn't have money in my account. He sent it over and like, you know, that kind of thing. Ally, who's that? Me. $1 ,400, also not bound. Zellen out. Zellen out.

1:28:05Zelle and out. PayPal. That might be pet food. Depends on how much it is. Zelle. Maybe groceries. Amazon. PayPal. Zelle. Amazon. Maybe groceries. Zelle. Okay. 140 savings. Yeah. What's left of them after the car? Yeah, we're down from 639. Yeah. Fidelity, 3 ,584 for who? For her. Okay. You're definitely very behind for your retirement. Wait, that's definitely not how much I have in there. I have more. Is that like the stock thing? Is that the Starbucks stock thing? Yeah, this stuff was weird with that. But I do have in this statement$13 ,000. Yeah, that's the 401k. So is this individual stocks?

1:28:50Is that what that is? I think it's just a Starbucks stock or it's the Roth IRA. And I have a Roth IRA. Is that you? Why is me? You're also dramatically behind at$546. You're still behind even with your combined of$16 ,000. Is that it? Yeah. Have we done it? Yes. Why are we moving to Oregon? Because it's nice over there. You ever been? Well, maybe you can't yet. Have you ever been? Nope. You should go. Maybe you can't yet. Okay, sure. Maybe you can't yet. We're not saying we're moving tomorrow. When are you moving? I don't know. That's the thing. We're trying to figure it out. So we want to. We just don't know.

1:29:21We want to get married. You don't know. My dad just got. You don't know because she's not willing to actually sit down and actually discuss the future? It's definitely a part of it. and is also just trying to figure out exactly how to figure how to fix the finances you know like how do we tackle things done to fix finances a lot actually i know everyone says that and then you don't believe them and you don't care but like it's genuinely true double what you made yeah but it's genuinely true what have you done if you would have seen the other statements what have you done there it would have been like food like because mine wasn't too bad like this time But other statements, it's like fast food, like crazy.

1:29:57And we don't do that anymore. And I used to get. Yeah, but his is like every second. Yeah, but I also used to get a drink. Some of that is me on his account. Yeah. But I used to get a drink like from a little drink shop, like three times a week, four times a week. I don't do that anymore. I bought a big bulk thing of it and I make it my own. So making progress. You ever had hojicha? It's really good. No. You should try that. It's like matcha, but it's roasted. I don't know what that is. Well, we told you. You should try it. Okay. Your minimum payments without your student loans, which would probably be about$250 a month, is$1 ,356.

1:30:35We won't put in the student loans one for now, so we need minimum for survival. What's rent again? $2 ,048. Utilities? $130. Man, where'd those little papers go? With it being variable. Add all the numbers. Internet? Internet is 37. 39. 37. Okay, 37. and phone bill? 106. Gas from room drive drive? 300. For both? Yeah. Yeah, I live two minutes from work. Mine is like, I think it was 104 last time. It's like been different amounts. Mine is like 221, 225. Okay, 325. Groceries. Vegan is going to be more expensive. I'm going to do 700. Don't have a vegan cookbook, but you do get the cookbook again because you were here.

1:31:27TP fund. Anything else to survive? This is salons. This is whatever you need. This is tampons. This is toilet paper. This is makeup. This is whatever. It is also body wash. $200. Medical on a monthly basis. Co-pays. All that good stuff. I think that's it for medical. At the apartment complex. Pet food. $120. pet insurance we need to get it we don't have it for the cats how old are the cats one of the girls is 10 yeah exactly the other one is like 3 she needs it and for the rats I want to get it for the 3 rats too it was like 15 plus an additional 45 so pet would be a total of 85 I guess okay we definitely have some wiggle room it's not huge five thousand seven hundred seventy nine dollars is what you need to survive if we do the six thousand two hundred fifty that you think comes in on a normal month that's four hundred seventy one dollars left over four hundred seventy one dollars we can minimum repayment student loans till they're paid off you need to get back on that get on the 10-year 10-year traditional repayment plan okay it's gonna be a while, it's going to take 161 months.

1:32:47Rounded up, 162 really. How long is that? 162, that is 13 and a half years. It might be

1:32:57we definitely need to fix your income situation. You're hourly, it's okay, but you're also just not getting enough hours. You're already working a lot. You might just need to also work 60 hours a week. Maybe that's the second job. If we do that, if we're able to double this with an extra$1 ,000 a month, then with like 75, pay this off in six years that's okay it's still hard listen student loans won't go this way but it might be worth bankruptcy but only if only if you change your behavior first you do not go through bankruptcy until you've proven you can change your behavior again the simpler budget app actually tells you everything you need to know it's all automated so no excuses anymore go through all the classes the debt one especially the budgeting one, especially eventually the investing one and eventually the real estate one.

1:33:45You get them for free.

1:33:50We have all the tools necessary to change your behavior. We don't have all the tools necessary to speed this up above six years. And that's if you bring in$1 ,000 a month. So an extra$500 net, which you could do if you want. My store manager wants you to tell me to work more. Oh, you can work more? I mean, yes and no. I used to, but my body hurts a lot. And it's scary because I don't know. You have to find another job that's better. Yeah, I know. Whether or not you like this job. I know. Okay? So you might just need to find another job. He won't like that. You said that. I don't give a fuck what he likes.

1:34:19I want you to get out of debt in less than a decade preferably. Me too. Listen, bankruptcy is quicker in terms of even off your credit. You know? Off your credit than it would to pay off your debt in your current situation. Maybe we find a cheaper place as well that helps. Yeah. The vegan situation that also makes it harder because I give you a little extra. We can do it decently cheap. Well, do it as cheap as possible. Whatever you can cut back in a healthy way, we have to. Whatever we can do to boost income, we have to. And only there, it gets us to like five years to pay off and then call in another year for a fully funded emergency fund.

1:34:52Only then can we move to Oregon. Are you going to wait that long to get married? That's ridiculous. So I don't know. Yeah. Maybe bankruptcy.

1:35:03Maybe consolidations. But only if we prove it. only if we prove we have changed our behavior first so that you don't do bankruptcy and get right back into this which a lot of people on this show have done so that you don't consolidate and then build all your debts right back up which a lot of people on this show have done so those are your options you need to budget first and change your behavior first then we can figure out which option makes the best sense for you but you need to budget first and actually prove it first and not spend double what you make speaking of spending in a budget zero out of ten debt crazy thing is I mean, your credit card is what's brutal, and then your car is what's brutal.

1:35:39So that's going to bring us down to a 1 out of 10 because those are bad. If those weren't there, or if those were even half, maybe it would be like a 2 out of 10. Merchants refund? Zero. Not much. A 1 out of 10. That's like$100. I like how you're going with that. Saving retirement. We're dramatically behind. You're dramatically behind. You're like a 1. You're probably closer to like a 3. I'll even and out call it a 2 out of 10 for the house. Real estate? Nothing yet. 0 out of 10. It's going to be a hammer financial score. rounded up to a one out of 10 guys join us in the post show join hammer elite in the description below that gets you an upload almost every single day from us and it is more content than any other youtube membership and it really helps support this channel and don't forget to download the simpler budget app today and if you want a free cookbook signed in a free uh notebook for the founders edition signed as well i'll give it to you all you have to do is sign up for annual check out the trial bye see you in the post sneaking about when we first started dating You guys cheated?

1:36:37So you guys are, you know, a little freak. Sure. What do you mean by freak? We don't ask those questions on the main show. Just say what you're trying to say. To watch the Financial Audit post show, click the join button below.