Deceitful Husband Nearly Has Aneurysm

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. Hi, my name is Sophia. I'm 30 years old. My name is Aaron. I'm 33 years old. We're best out of San Antonio, Texas. And this is Financial Audit. Beautiful. Thanks for coming up, guys. So, we're a married couple? Yes, sir. Cool. Very good. What do we do for a living right now? We'll start with you. I am a full-time grad student, about to graduate, and a full-time mom. What are you graduating student-ing in? Social work. Social work. Okay. not usually the highest paying career but it's also just in general you are helping people with it so it's that hard trade-off where it's like yay i like that but i also like you know potentially don't when it comes to finances but so we're not making anything right now for you no in terms of contributing to the household okay uh financially and what about you uh i'm a chauffeur bus driver um how do you make how much would you make doing that uh i make i made 51 last year but that number was a little misleading because I make a lot less during the summer because we're slow.

1:07So during the, if you look at during the most of the year, I make equivalent to 60K, but during the summer, I make nothing basically. Okay. So you are only paid those nine months? No, I paid during the summer, but I made, I just work so much less that I make much less money in the summer. Okay. Okay. Okay. But in general, over the course of a year, you make - 51 ,000. 51 ,000. Yes. Now, how have you constructed your budget around that? in terms of making less, sometimes making more. It was, I have not done a good job of handling that. I'm assuming you haven't gone through our budgeting class. No, sir.

1:40Okay, because it goes over just how to do that. So that's fine. But we'll talk about that as well. I have a struggle with that, yes. Okay. Okay, cool. So what are we dealing with right now? How long have you guys been married? Almost five years. Five years, yeah. Wow, okay, very good. So what are we dealing with right now? Because I know, I mean, I already know a bit about your finances, but we'll go through it one by one. what's going on let's get your perspective first okay um my perspective is we are trying to make it by every single day um every single we're pretty much living paycheck as far as i know um we have a little bit of a cushion but it's not really a cushion what's the cushion the cushion's about 500 and not less i don't know if i'd yeah yeah so it's not really yeah like a feather exactly singular so we were trying our best to just make it by and then the kid was not expected as well so that kind of threw us oh we have a balance yes okay how old's the kid she is over oh you said you're working home mom so that makes sense so how old she's right over one okay okay wow yeah lots of going on there yeah open your dr pepper that's good uh and then your perspective what do you think um so um so i um gosh i don't even say uh just i'm trying to figure out i'm trying to hold down the fort until she goes back to work and starts making more money um and this was supposed to be a year and there's been a lot of things that have made it a lot longer than a year and i wasn't expecting to be the sole provider for two and a half years and that's been why um why were you not expecting it okay so she had already taken one semester she had three to go she should have been done the end of 2022 um but then when we moved to san antonio she found out that her credits didn't transfer so she had to start over from scratch she's just why'd you move to san antonio um we went to san antonio because uh our her sister was having she had nowhere she was had nowhere to go and so we got our place together So you had to go to San Antonio.

3:42We had to. In terms of where you went to school, did you have to go to the school you're at now for social work? If yes, because it's all in person, sadly. So I couldn't just do online. I couldn't just transfer over to Florida. Commuting to Fort Worth is not viable. No, no, no, no. But there's more than one school in San Antonio. Correct. Okay. Did we check which schools might have the credits transferred? It sounded like we weren't very educated on it. It's actually not it. Because you're in a graduate program, you have to have more than 24 credits to 30 credits to transfer over. And I had just gone in for a semester.

4:10so it wasn't enough credits that's 16 credits that you can transfer but they won't transfer there's another issue so she has a waiver which requires her to go to a state university she can't go it has to be a state publicly funded university for her to qualify for that waiver since that waiver covers the entire cost of grad school which is great there's no other solution you have to go to a state school or pay out of that yeah yeah yeah okay so how many semesters of school do you have left um this is it i'm done okay and then after that we're going right Right, into getting a career? Right, into jumping into the career?

4:41After I go into my licensing exam, yeah. Okay, yeah, okay, cool. So do we blame this on this? All this is on the move. No, no, no. The me being the sole provider for two and a half years is I thought that she'd be going back to work a year and a half ago and we'd have a lot more money. Is there any stress or strain on the fact in the relationship, on the fact that it's been pushed longer than was anticipated? I would say yes. I would say yes how so so I carry a lot of stress and and and and so those are some stresses so the big stress is that I have to work 50 60 hours a week to make to make the money and then she wants me home helping with the kid and those are mutually exclusive if I work a 15 hour a day there's only so much you know so that's the stress is that give and take of of her needing help which is fair and reasonable and me being like well I I have to work what do you think about that Sophia um i see where he's coming from but at the same time it's one of those things like i can't get the best of both worlds so i feel that i want him home but also i personally don't think he needs to work as much but uh he wants you think he doesn't need to work as much no but you said he's living paycheck to paycheck that you guys so so what would he do different in terms of hours um he okay i should rephrase i guess um he should work um his hours should look a little bit different in the sense that he's not gone for 18 hours a day does he have that choice in that position yes do you have that choice in that position schedule yes and so why then why are you doing it okay so in the business um if they call you and you say oh hey i can't do that run they'll just give it to somebody else and then you might not work the next day that's just how the business works okay so he doesn't fully have the choice then in that context um he doesn't have the fully of the choice but if he takes runs constantly without um weighing the cost so let's say he was he's been gone since four in the morning then they tell him hey can you do a run till midnight or can you do a run till three in the morning and he's like yeah sure but it's the only income in the house correct and there's some things here that we should go through so let's do that before we do that i want to see just see where we're aligned i'm going to say three two one then i want you to answer on go three two one go i want you to answer what do you think the household financial score is zero being the worst 10 being the best 10 great finances perfect finances zero being the worst possible so i'm going to say three two one go and then you're going to both answer at the same time the number you think it is and go so three two one four one okay so you clearly think the situation is a lot worse you think you're closer to average so where's the disagreement in our understanding of the household finances get your hammer financial score for free in the link below by the way description um i think i'm more the one who's hands-on with all the money coming in and coming out why are you not why are you not involved in this okay so i was involved and the reins got pulled back again why is this so what's happening i'm not sure i was ahead of the finances for quite a while and i was paying stuff and then um all of a sudden i was told that aaron pulled the reins aaron put the reins why'd you pull the reins i am i am just always okay so i'm just stressed out about things sometimes they don't they don't don't get paid on time is it gonna work though if you're just taking control and the other half of the household has no idea what's going on it's well it's no it's it's no no so it's tough because see i try my best to be part of it but then whenever i was part of it it It was like, no, I don't know if it was because he didn't like the way that I was handling things or it was just because he was trying to distress.

8:29I don't understand because there was – it was just that I'm taking over. You're done. Okay, sounds great. So it was because she is in the middle of finals. And I just told you, this is a short term until you finish school because you're so focused. Yeah, but you're telling. You're telling. That is why I'm – that's why I took it back for this month because I just want her to focus on school. Did he take it back for this month? He took it back since last month. So how's that going? What's the difference? How's it changed? How's it changed is that I'm not sure what's going in or out, and I'm not sure like...

9:00You took it back, though. This is your choice. It's not her choice. I know. I took it back because... Is that fair that you get the full controlling... It's not about the control. It's about I wanted the stress. But you are control. If you took, not asked, that's control. So... Is it not? No, no. I mean, if I'm the one paying the bills, And yeah, I have the control of the bills. But. Bustin' with the boys is here to let you know that every college football Saturday, FanDuel is dropping profit boosts that can turn wins into bigger wins. Sounds like we should rename Saturday Booster Day. Nice. 21 plus and present in select states.

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9:53just even the knowledge of the household like even if you're paying pushing pay that's fine but like doesn't make i like if you're taking just knowledge well i think we have the same access to the same account we have all the same access to the accounts i'm not withholding knowledge to the account so where do you think your ignorance is coming from then because you gave yourself such a higher score than him um i don't know i guess i personally in talking our conversations that we've had about like where our finance stand and our budget stands it doesn't seem to be that bad okay well that doesn't make any sense you just told me at the beginning you're paycheck to paycheck right we're paycheck to paycheck how is that not that bad that doesn't seem as bad because we're it's like almost as bad as you can get i think we're making it through and so there's a lot of uh miscommunication that comes from him and it was like this one instance that i can think of it's the most recent instance is that he said i didn't want to tell you this but we were literally one paycheck away from not making it but i didn't know that why would she not know i didn't want her to stress out is that but that's her choice so i feel like you're taking that away from her she's your wife she's the other part of the household you guys are a couple you guys are a team that are trying to get to the final goal of just accomplishing life together the conversation that we've had it's like we're a team you need to let me but he's not accepting it why aren't you accepting it let go i i i don't i am i'm trying to be superman and i'm not made of steel but i try to do it anyway do you want him to be superman no not at all and i've told him that like again you're doing this on your own this is you taking control i even told him like if i need to get a part-time job i'm all for it like i'll make it work it's just one of those things that he's like no i got this no i got this and it's just like you can't she can be she's to me she has she's just barely to getting her homework done balancing out with being a mom i don't want to add a third thing on top of it if i can pay the bills but can you yes barely you almost missed everything and she didn't even know yep and also are you because we will we will fun fact i know you're so you do uh on top of bills yeah let's look at this first argument before i do that if you need to get yelled at because you have some financial go to caleb hammer.com slash apply and i'll give you a beating okay speaking of beating this is this is this is it is because oh i put my bills guys my bills are paid no you are not you have a late fee right there top document right there yes superman who pays all his bills bills are paid always no matter what check that out look at that see a little circle circle circle circle circle that is not paying your bills a lot worse than that caleb because i went through all my statements for last year and every single one has been late okay so So you're wrong then.

12:36You lied. I didn't lie. You said I can do it on my own. I make my bills. My bills are paid, but they're not. They're paid. They're just paid late. That's not paying your bills. I didn't. The problem. The problem. Did you know? No. I didn't know. Okay. I didn't even realize that I was paying them late. So we both not on the known. Whenever we looked at our statements, we realized that they were all late. And I didn't even. then how can you have this confidence saying that she, when she wants to contribute something financially, whether or not she's able to, that's a different conversation. When she wants to and you say, no, I can do it.

13:11I don't need you to because I can pay these bills. But literally you cannot. I could have, the problem was I didn't realize that I was making late fees. So I, I did. So I was, I could have paid them earlier in the month. I just didn't know I had to. I wasn't aware that I was accruing late fees. When? In the middle of the month. When were you not aware? And when did you become aware? I became aware last week when I was going over my statements to send them to you. I literally, that's when I became aware I was paying late fees. Then what happened? What happened when you figured that out? I paid the bill on the 17th instead of waiting until the 3rd or the 4th like I usually do.

13:42And what's your knowledge around this? What was your information surrounding this? I didn't even know that we weren't acquiring late fees. Yeah. We're trying to get to a good place, guys. We do it as a team. I understand you're not bringing in income to the house. she's gonna be starting her career soon she will be of course but it is not fair fair and usually i don't do the fair thing because it's like real world but in terms of this in terms of just people working together buddy you are deciding for her what knowledge she's getting yeah now yes you could log in there is that kind of yeah but if one person figures something out tell the other person i did tell the daughter the same day i'm like hey babe i got bad news we've been paying late fees for a year.

14:27So you've never looked at your bills once. I look at the bills. What I don't do is I don't click on the account statement and so I just look at the amount due and I pay the amount due instead of looking at the account statement, which is my fault for being an idiot. And it's my fault for not looking either. What do you think the balance is on that card that was late? Don't answer. As far as I know, I want to say it's$10 ,000. Wow. On it. Okay. So she does know something. She does, yes. It's a little less, actually. It's$95 ,000. so you made a payment sense cause this statement's at 10 but okay caught up on the late fees yes sir I will have no late fee next month yeah ever 9500 what no I'm laughing because I'm glad that if I hadn't done this audit I would still be paying the late fees okay with a minimum monthly payment of oh where'd you go yep$40 a fee$160 an interest kill me now $612.

15:25No, well, that's because it was probably late. Yeah, it's because it was late. Yeah, past due amount of$311. So the minimum monthly payment is probably going to be like$300. That's probably about$260 without the late fee. Yeah, let's make sure we never have one of those again. Yes, sir. Oh, but it's okay, guys. You know why it's okay? Because we have a rewards balance at$2.90. We're rich. Oh, I don't use the rewards. So what's the point? You're not credit card people. You need to not... It's actually a credit card we have hidden away. it doesn't come out anymore i would just close the account so you don't even have access to being able to get a new card or attach it to anything digitally online man i know you've bubble blood credit and stuff like that but i don't care i don't care about my use the fizz card or something it's more geared towards college students but at least it's a charge card you you it acts like a debit card but still helps with the credit score okay this one's interesting shocker late fees who would have thought not you guys because you didn't know but castle car I'm assuming it's a water system yeah that's a big that we did a few years ago water system made 18 % interest yeah water is important it is not that important I mean it's life yeah oh we both know it's a trust me oh okay what was this for what was this for what happened I'm sorry so okay so the first so we had a door to door salesman we were living in Fort Worth and he's like hey did you know your water sucks and he showed us the test and the water put the chemical in the water it's disgusting so we're like oh my god we're drinking this and it's a 75 year old home so the water is legit awful and the pipes weren't upgraded yeah like when we turn on the shower like orange water would come off for two seconds before the clear so it was gross it was gross so we got Just a little system under the sink.

17:18We're like, cool, that's great. Now we can actually drink good water. And then we got another one. That's a second person alone. He came back and he's like, hey, you want to do a whole house water system? And I'm like, I don't think we need that. But I really wanted it. Yeah, that was some money. Did you really want it? I really just wanted it. Honestly, I just thought the whole water system going through the whole house and I don't have to worry. But also, it was a rental. It wasn't a home. No. Yeah, that was us being. No. It gets better. Yeah. So it's a major major major. You didn't tell your landlord about your water issues.

17:53They didn't care. Well, I mean, it's just one of those things that didn't care. No, it's just one of those things. You have old pipes. What are they going to do? Replace the entire pipe? They're not going to do that. It's an old house. Potentially. I don't know. You never know. I don't know. OK, the thing I get repair requests for the properties that I own all the time, and I just approve them typically because this is like, you know, if wrong, wrong. Like the problem is, it's the city water system. you can't repair the city water system. That's what you can't do. That's what he was talking about.

18:18Yes, the actual... It's not... That's what you can't fix. So, like, Abrita wouldn't take care of this? Abrita would have taken care of it. Oh, f*** me. F*** my life. What are... What are we? Stupid. Yep. So now we... Oh, what the f*** is this? What is this? With late fees. We're late fees on our water system for a house we don't own. Oh, the landlord's happy. You just invested$5 ,000 into it, which is what you borrowed. Great. We actually removed the water system and took it with us Why wouldn't we take it with us Oh okay I don't know the water system We pulled the whole thing out and removed it So now it's in another rental No now it's sitting In our apartment complex not being used Yep Hey you want a water system?

19:04No just kidding I'm good Yeah no no no Technically it's not paid for Look at that You owe$3 ,725 paid for. What do you mean paid for? There's no paid for. Current interest rate, 18 % with a minimum monthly payment of$100. So that's going to take forever. Yes, sir. Yes, sir. Indeed. You took it on in 2020, and it goes for eight years. It's an eight-year loan at 18%. Good death. Yeah. We did say it was stupid. Yes, it was stupid. I'm glad we've recognized it. Yep. Okay. Who has the student loans? not the one with the waiver you're not really using that did you get a degree? I did not same thing happened to me, I dropped out what were you studying?

19:53these are a lot of student loans it was 13 years ago I was studying English and Theology yeah you know I dropped out, I don't think it matters now it was 13 years ago, what matters is the present well what the present is is$44 ,479 $479. Yes. But what's even more critical than that is after that dropout, what the balance was was$35 ,000. Yeah. Almost$9 ,000 of interest has accrued. Yeah, fortunately. That's all like almost 7 % interest. 6.4. 6.375. I rounded. So I said almost. It rounds to 6.5. Okay. 6.5. Sure. Not a great rate for student loans. No, it's not. federal so so that are you on income deferred yes and that interest is still accruing accruing yes sir 241 243 a day in the smaller than 381 a day on the larger yeah yeah i didn't know there was interest rate oh yeah it's a student loan it's a student loan i have a student loan but i i guess i mine's very minor well you're also in school so it wouldn't accrue that's how much interest has accrued in 13 years yes ma 'am it's only getting bigger because the balance is only getting bigger and it's compounding and compounding and compounding and compounding you said this is not the first thing you want to tackle it can't be you have to tackle the consumer debt first because the interest rates are so much worse you always tackle a 28 % over a 6 % easy well I'm sorry you're right that was my job you're right I was being yeah sorry is this how every conversation goes pretty much love is in the air ladies and gentlemen Shopping is hard, right?

21:37But I found a better way. Stitch Fix online personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today at stitchfix.com slash Spotify. That's stitchfix.com slash Spotify. that's a good song okay Firestone so we needed some tires or something that one pisses me off because I had it paid off and then we had to get tires again so have we ever had a savings account in our life that was more than$500 yes we actually have we had a really decent one before we moved we both had amazing jobs I was doing graduate school we had$2 ,500 the sister thing she couldn't come to you guys we asked her she didn't want to She wouldn't.

22:34Okay, fair then. If she didn't want to, that's a watch. She has two kids. Congratulations to her. She said she didn't want to. That's being irresponsible. So she got to f*** your lives? Well, so the other thing is that they were going to raise our rent by$600 a month because the house got sold to an investor. Yeah, but you guys said you had great jobs in the savings account. Yeah, we did. We had greatness. Look where we're in. I think$600 a month in rent with a much better No, no, no. It was going to go from$900 to $1 ,500. Okay, but still look where we are today what would have been worse no i mean i i don't know i personally stand by it i think that she would have yeah she she it why is she your responsibility she's not a responsibility but she's never had anyone we're raising the foster care system okay we only have each other so it was one of those things that she reached out because she needed me i love helping but i mean well it was your choice to make i guess i i love the heart of it but i mean with the school thing and with the jobs and with the savings.

23:32A lot of things we thought she'd just be able to transfer to UTSA and be done in December. Which is what we're looking to before we move. Correct. Right. It was very impulsive, yes. Did you break a lease? No. No, the lease was done. Okay. In Firestone, we own $1 ,000. $75. $87. The minimum monthly payment of$38. Okay,$25 of interest is accruing, no purchases. Okay, and we're sitting at 28 % interest rate. Man, love rates these days. Love rates these days. Aquafinance. The water system. That's the other water system.

24:14I'd cope my way through it too. I get you. I mean, it's four years ago. The mistake's been made. Exactly. You just kind of live with it. Live with it? No, you tackle it. Yes. Yes, that was the plan. No, we're late payments on everything. That was the plan. What happened? The plan, so with the plan, the baby came. We kind of, we stopped making the payments because we want to make sure we hit in case things happen with the baby. And then we never. So we had a little whoopsie, right? We never got back to it. Yes, we had a whoopsie. The baby was not expected. And the whoopsie kind of took us off for a tour of one.

24:45So then again, we were working on the debt. We paid off our entire car. That was$9 ,000. We got that paid off in like a year and a half. And then baby came and we just got complacent. Why the possible? Are we spending 12 % of our spending on going out to eat then? Right. That is the funness, right? Because I'm a dumbass. I'm going to say you're dumbass as much as I am. It's about an additional 15 % to 20%. Yeah. 15 % to 20 % additional on top of that are things that are unnecessary for your life. Yes. So. That's quick trip. Sacrifice. Yeah. Big sacrifice, right? Yeah. That's our massive sacrifice that we did.

25:27So one of my biggest hiccups is not making sure that I keep up with the statements because every time I... Also, by the way, sorry, I'm going to interrupt you. I'm a dumbass. That's like, that's just you just brushing it off. That's not a reason. No, I mean, it's... Like you're actively doing, you're making choices. Yes. You tell me that you're sacrificing, you put things on hold. You could be paying off this debt with the hundreds of dollars that are going towards bulls**t. I'm not just going to accept a, I'm a dumbass. Like that's going to be an answer that's excusable. Yep, welcome to my world.

25:59So that's the usual excuse, is I'm a dumb... Yeah, or I... That's not a thing. I mean, you acknowledge the situation. You acknowledge being a dumb... Cool, now make changes. Why haven't you changed anything? Why not do anything then? If you acknowledge yourself without changing, what's the point of even acknowledging yourself at that point? Does that even make sense? No. Why haven't you changed anything? I... That's a good question. Why haven't I changed? Because... You better have an answer. change you know I'm trying to give you an answer doesn't sound like a bull um just give me your real answer and we'll go from there real answer honestly I'm doing my best and I'm just you're right my best yeah okay so because it's that's the same answer he gives me I'm doing my best I, you know, okay.

26:52So he's been really stressed, obviously. Yeah, I am stressed. So why don't I fix it? I don't know. I could. I have the knowledge. I have the intelligence to do it. I don't have the discipline to do it. There it is. I don't have the discipline. Okay. That's it. Behavior, discipline. It's behavior. Okay. That I can work with. I can work with that. Sorry, I'm sorry. I just got to release that. Release that touch. You do you, man. Yeah. I mean, you told us before you guys came out on the show that you guys are cutting back a ton and that's legitimately not true unless it was like somehow twice as worse, which would have just been completely insane.

27:27I don't know how it would have existed. You guys spent$5 ,000 but brought in$3 ,500. So like what the f*** is happening? Paycheck to paycheck. Uh-uh. Uh-uh. Negative. Plus late fees. but i can work with behavior i can work with that so let's get through this first and then we'll talk some more about that okay hey no late ones on this one yeah i guess that's something we can sell right oh oh what's next oh good checking account that we started negative in oh good fantastic checking your one oh it's this or negative which one's this one Wells Fargo everyday checking mine I don't know do we have separate not on purpose oh yeah that looks like mine yeah that's hers so this is the one that I had before we were married but since both my parents are on it as why they just spent i've had this council since i was 18 so you were adopted correct at what age 17 okay so in your life yes 100 or is your sister adopted too no she aged out okay yeah she didn't even meet him she's older than me so sure um the only problem is we've never been together to actually close the account with them because they have to be part of the account they have to be part of the process in order to close the account.

29:01Here's your time to stop spending money. It's negative. Let's take a moment to talk about something important. It's about something serious that could happen to any of us, unexpectedly getting hurt. Now, while I've been fortunate, it's a reality many face and it's crucial to talk about. So what do you do if you get hurt? That's where today's sponsor Morgan and Morgan comes in. They're not just any law firm, they're America's largest injury law firm. And they've been at the top of their game for people just like you and me for over 30 years. When you're seriously hurt, your injury could be worth millions and Morgan & Morgan does not settle for low ball offers.

29:36Just in the past couple of months, they've seen verdicts of$12 million in Florida, 34 times the highest insurance offer, $26 million in Philadelphia, 40 times the highest insurance offer, and$6.8 million in New York, 25 times the highest insurance offer. And here's the best part, Their fee is absolutely free unless you win. Did you know you can start a claim with America's largest injury law firm in just a click? It's so easy. You can start your claim now with Morgan & Morgan by visiting forthepeople.com slash Caleb or by clicking the link in the description below. Is it all them? The Amtrak crap?

30:12No, no, no. This is my account. But who's doing the spending? Nobody. It's just late fees. No, no, no. Overcharge. No. Amtrak something Java parking on campus. park with a mexican restaurant a mexican restaurant southern grits and parking on campus you're swiping girl well you're swiping the campus parking is when you go and you click and you hit the pay to park it's probably automatically attached to this but we're still going to restaurants okay yeah you know the grits the mexican restaurant there's some amtrak stuff oh sorry emarach oh yeah that's that's uh that's the cafe at the campus oh okay so we're also just automatic you just you just need to change what's attached and then you're still swiping at the other places still i guess 31 bucks at southern grit 48 that was when you use 48 at mexican 28 at mexican as well that was when you you transferred the money from from the joint account to that account because you were apple paying oh so you started negative and yet we're still going to restaurants and stuff and we haven't changed our accounts it's just basic management skills i need you to change that today i need you to change what's attached to accounts okay immediately i can try my best what do you mean try your best you just change well i log into your portal as far as i know there's nothing on there it's so every time i park it just automatically goes onto it exactly i know what you're saying yes yes i thought we did to yours what it's sorry you probably had your card on you when you did set it you probably had your card on you sound like you would have been able to do spending in what you call his anyway it's only 106 bucks in there so and then here's our cutting back guys here's our cutting back Here's our just absolutely cutting back and sacrificing everything in our life.

31:52Going to the gas station, getting some bullsh**. Pizza Hut. Tacos. Amazon. Getting some bullsh**. Mustang Ridge. A restaurant. Getting some bullsh**. Getting some bullsh**. Raising Cane's. Whataburger. Dairy Queen. Amazon. Kik. We're spending money at Kik.com. When we can't afford to live or pay our bills on time. That makes sense. Oh, don't worry. it's not like we have a one-year-old together or anything oops apple bill a restaurant amazon going to a gas station getting some bullshit amazon music uh bargain outlet for 60 bucks that's a bargain go in a gas station getting some bullshit donald's who hunt mongolian taco cabana san antonio zoo potentially burger king there's oh the the dining hall that it's attached to this one as well so it's attached to both because you did it once there and then twice and then jimmy john's jimmy john's sprouts farm sprouts farmers market probably an expensive way to get food in that situation bargain outlet and we go there a lot we're always getting some bargains by spending money we don't have all these going to the gas station getting some bulls dairy queen hulu nothing on there anyway getting getting some bulls in some bulls in some Donald's ATM withdraw $400 who knows what the I can tell you that was tell me okay so we so my check was a day late and so I had to withdraw money from the savings account to put oh that was me replacing the money I had to put money from the savings account to make sure I we did an overdraft then that was me putting the money back in the savings account okay an ATM okay Taco Bell Dairy Queen Fortnite that's her that's me oh come on guys kicking Fortnite what are we doing I kick in Fortnite.

33:42Army. Both of you. Both of her. Both of me. Who are you watching? Streamers. Anyone I know? Probably not. OGL. Go inside. Get in some.

33:56In mind out. Therapy. Good. That's good. I need it. PSP. Yeah. And$500 in our savings. It's now$700.

34:10yeah we do want at least one month of merchandise fund so i'm okay with that okay any other debt so we have paid for cars yes we have one paid for car so you guys share a car what's the car 2012 honda odyssey okay miles 125 how's she going how's she doing uh she an accident not so well oh what kind of accident what happened it was me being I don't want yeah it's me are you gonna say it again no it was me driving it was me making a stupid mistake when I went at a left turn I was too tired I should have been driving lots of stupid mistakes I make a lot of stupid mistakes that's interesting okay so what happened so it got fixed but it didn't really get fixed it got fixed but there's something there's something off with the left wheel like how bad was the accident oh it well it messed up the right the right tire and we had to have the side door replaced insurance?

34:58insurance covered it insurance covered it it just didn't fix it correctly which I don't even think I think the issue is the other tire, not the one that got hit. So I don't think it's related to the accident. I think it's just – So would you say that – we talked about behavior and self-control. Would you say you have like any addiction to like fast food and stuff? Because you said – you told us before you came on that you think you spent like 10 ,000 hours on fast food over the past couple of years. Yes. So that's me doing 8 to 10. I don't think it's an addiction. Again, I think – You can't pack food?

35:30I do. I pack food all the time. we eat at home all the time. Eating out, it's easy. Not all the time. No, you're right. We spent probably maybe 20 % to 30 % of the time we eat out because it's easier to be lazy. It is. Yep, it is. But I have no justification. It's harder to pay bills. It does. It is easier in that moment. That's for sure. So most of these charges are actually soda. Most of the gas station stuff is. It's mostly soda from somebody. Why don't you just go to the store and get some pop? I do. Like, you know, like Costco, big things. With him, but then also drinks. Take two. Yep. Take three.

36:05And most of those charges are soda. If that's what you want to drink, whatever. I'm not going to judge that. Costco. Stop it and get it. BJ's Wholesale Club makes holiday hosting so easy, we called in Thanksgiving's original host to talk about it. Pilgrim here. We could have used BJ's back in the day. Imagine stepping off a boat, then foraging for your first Thanksgiving. It's a whole new world now. BJ's brings Thanksgiving right to your door with free same-day delivery on your first order of$100 or more. We're talking turkey, squash, pies, all at prices so good they'll knock the buckle right off your hat.

36:39For terms, visit BJ's.com slash Thanksgiving and get the same great savings online as in Club. Just, uh, what are they? Whatever that size is for... The fountain drink. Oh. Well, fountain drink's a lot cheaper. That's why I get the fountain drinks. It is a lot cheaper, but, um... yeah you're still spending so much money on it yeah money that could be going towards that okay spending categories across the board so debt payments was 15.2 percent of our spending or 768 dollars 1 335.69 went to housing or 26.4 percent of our spending phone was 1.4 percent 253.29 with the transportation or five percent you're spending 559.45 or 11.1 percent went to necessary food going to the grocery stores oh but more went to eating out of course 607 dollars and 30 cents or 12 percent went to going out to eat 818 dollars and honey cents were unknown shopping typically amazon walmart lots of amazon and yours so wouldn't be surprised most of that is that and it's 16.2 percent of your spending a lot of the amazon is stuff for the baby 200 out we'll take a look 263 dollars and 24 cents went to medical or health care 5.2 percent of your spending is that also for the baby it's also the copay for the therapy but was that mostly that's the that would be the copay and probably the health insurance that's 108 oh right right right yep health insurance life insurance health insurance uh so you're not on any company my work does not offer it no you're a contractor uh no but they just don't offer it they don't offer but do you not work more than 40 hours a week i do sure does i i have it through the marketplace but out through work they don't offer don't they legally have to over like 36 hours a week so right no no i think that from the through the affordable health care i know that i don't okay let me make sure because there's been lots of changes to the laws over the year but you're you're w2 i am w2 yes oh oh oh it depends on how many employees employees of the company how many people work uh i don't know a couple dozen maybe okay i think you have to have more than 50 full-time employees yeah they don't have more than 50 full-time right okay answers that and obviously yes half health insurance 0.7 percent went to subscriptions i'd cut that i know it's small but it's one oh i mean can i keep hulu for a dollar it's literally a dollar okay we don't we don't have to we don't know whatever it's a dollar i don't care i mean that's fine 1.6 percent but i mean that's not seven percent you're spending so there's more yeah but 1.6 percent Yeah, there's Kick, YouTube, and then...