Entitled Brat “Is Too Good For Work” | Financial Audit

38:02i do too it's no you don't no you absolutely do not someone who speaks the way you do of I gotta have a whole day of work. I need to get some fries because I can't go home and put the pizza rolls in the microwave because that's my solution to dinner anyway. That's too hard. You don't care. If that's too hard, you don't care. You are not, I don't think you're ready for this conversation. We invest a lot of money and time into this, so I'm going to complete this episode. But with that, with that mindset, and you can probably watch this back and hopefully that'll help when you're ready. But with that mindset, you're not ready.

38:40You're not ready for this conversation. Not even close. These people come in here and I'm able to dig into them, yes, about their situation, make them know what their situation is, give them a budget, give them education and access to tools and all that good stuff. But they're ready. You're not ready. That's the most insane thing I've ever heard in my damn life.

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39:41Plus, Factor now offers breakfast, snacks, and even juices to keep you fueled all day long. So head to factor75.com or click the link in the description below and use code HAMMER50 to get 50 % off your first box and 20 % off your next month. Again, just click the link in the description below and use code HAMMER50 to get 50 % off your first Factor box. You're not ready. I'm sorry. You're just not. That language, you're not ready to change your life. If you're not willing to sacrifice a little bit of extra effort at the end of a workday, you're not ready. I'm going to give you a plan. I'm going to go through the debt.

40:23So don't worry about that. I'm not giving up on you. But candidly and openly and honest, because that's how I am. That's how I live. I do not think you're ready. There must be some rock bottom somewhere. apparently. I think that might be what you need, which is devastating. Just like the 30.49 % interest rate on that card. Oh, we're back to over-limit amounts with Wells Hargo. You're riding the wagon right off the cliff. I don't think that one, though, I've spent any money on it. Probably because you can't. Oh, no, you did. $2.69. Where? You went inside Walgreens and you got some bull. Pringles.

41:11It was in the middle of a work day. And that was the only card I had on me. I remember now. Middle of a work day. Pringles.

41:23I'm just saying. I'm just saying. Okay, here. Jacob. Come here, Jacob. Hi, buddy. Come with me. follow me how big was the bag of Pringles it was a big can okay film us please get your up okay

41:57over save this office is full of fat oh here we go I'm talking about myself these. You get these for a few bucks. For a few dollars. And then you can pack a little pack. It comes with 1, 2, 3, 4, 5, 6, 12. It comes with 12 of these. Boom. That's your little pack it in your lunchbox. 12 cups. Instead of going and spending$3 on a can-can thing. Like, it's just come on.

42:36just learn how to control yourself if you eat them all if you fun fact this is really great about those little packs because as someone who uh has uh it's not a man it's me right here here they are um that thing limits me to only being able to eat what's in the small pack so if you struggle to stop eating them congratulations if you only pack the small pack you're only going to eat the small pack so pringles that's more important than paying off a card apparently so you can go to the grocery store you can go to Sam's Club you can buy things in bulk and you can make it much more price effective convenience stores that is$6.58 it is just barely double what you spent one time and that could have been 12 days

43:24Wells Fargo the Pringle card on here we owe $1 ,509.25 with a minimum monthly payment of I hate how this reads $54 total amount due 63 oh because of the over limit amount it's making you pay it down to the limit amount okay gosh with interest charging of$38.49. Yeah, because the credit limit is$1 ,500. You're over. We've looked at three cards. We looked at four cards. Three cards are over, and the other one's$7 away. And it's all for snacks. You have some, like, snack addiction. Like, legitimately. $1 ,000 on snacks? Yeah. Everybody, like, even when I was in high school, everybody always knew me as the person that I'd have, like, tater tots in my pocket twizzlers in my backpack and there's m &ms in my purse right now and i'm betting you in my backpack back there i have at least four different kinds of snacks okay um wait till your metabolism is no longer very efficient trust me that sucks and two just can't afford it you just simply can't afford it so i mean you can choose you can do that if you want and also live in a financially insecure place for the rest of your life like you can that is a choice that you are allowed to make as an adult that is the choice you're making right now but i think you deserve a better future and i think you can live a better future and my producers are telling me that you said i'm skinny because i can't afford food Spent a thousand hours at the grocery store 300 going out to eat I mostly don't eat breakfast Lunch or dinner most of the time You know why?

45:29Because you snack and eat every second of every day Except for meal time I didn't realize how much I snack until we're going through this And then I'm like oh my gosh How much do I actually eat? Walmart card $2 ,268.38 These pounces are getting higher You did not purchase You did not purchase, thank you thank you who did not purchase that one was I only spent at Walmart when I need you to stay as far away as you possibly can then oh cause you're still only you're still only you're like $30 away from the credit limit we're still

46:09how long do you think it's gonna you're only paying your minimum payment towards it how long do you think it's gonna take the payoff with the minimum payment forever no give me a real answer how long do you think probably a couple years at least yeah 13 years oh yeah you're gonna be almost 40 by the time this has paid off in your current method without putting a single cent more on it this is why i go hard folks people don't know how bad their situation is you didn't you said a couple years i literally thought maybe three or four years I wasn't thinking that much exactly the people in our consumerism culture which there's nothing wrong with being a consumer but the people need a f***ing pickup call let me tell you I don't know what the income is like in your area I wonder if we can increase your income is this what you both want to be doing for a living?

47:04so we both really like our jobs and it's also for both of us it's the highest paying job for people that have not gone to college which his actually gives him an opportunity for a college degree and to move up in the company. Mine does not. Why? I'm just going to – I'm contracted owned. He's company owned, so I have to stay where I am, which I love what I do. I love it to death. I actually came back to this in particular because I love it so much. Well, I'm happy to gift either one of you the certification through Course Careers, which can help boost your resume and get into a new industry if that's something you're interested in.

47:46Just let me know, and I'm happy to gift you guys one. Okay. Again, this new balance, you're not over the limit, but we're literally$6 away. And even closer to$5 away. That one's one of my oldest ones. So every card is maxed out or over maxed out. Yo,$694.68. This situation is dire. I really did not know what I was getting into when I slept in this room today. That's actually one of my older cards, too. Great. I think that was the second card I owned. $27.36 minimum monthly payment. Interest charge,$15.21. No purchases. Thank you. This takes four years to pay off. At just$694. It takes four years to pay off.

48:33with the minimum 26.7 interest rate first national man you just stack up credit cards like they are like they're snacks 781 dollars and six cents so what you owe on here what's the limit on this bad boy on this here card 750 oh you're over it damn we're back we're back to this i thought we moved beyond it purchase it you know what's crazy it's weird you don't purchase on the credit cards that you're not over but the credit cards that you are over you purchase on i don't know how you're going about life because i'll pay it and then i have like 10 bucks left on it and so then you spend like I spend like five dollars on it and then no no no spend more than that then you also did have forty nine dollars of fees and eighteen dollars and ninety nine cents of interest it's an annual charge was you're not even getting any benefits from this just cancel this card there's no point then you went to target who knows it could be clothes it could be groceries it could be electronics it could be snacks but it was fifteen dollars ninety nine cents I don't even remember what card that is oh wait wait wait i'm waiting that card in particular screwed me over oh yeah my car got put in the shop and i went to budget had to rent a car for three days but luckily they finished my car sooner so i took it back and was like hey i don't need it for this full amount can i get my money back and just charge me what was owed and they said yes and then all of a sudden they flipped it on me and they charged me a full six hundred dollars on that card for having that car for so long even though i only had it for one day and so when i called the credit card company to get it like removed and disputed i lost and it got stuck on the card if you lost you lost well that's why i was like okay well that's i mean that doesn't that didn't put you above the credit limit i mean your target purchased before that well even still the six hundred dollars you have an extra 150 dollars but you're putting yourself over with the target purchase so i mean that sucks i'm sorry that doesn't all of a sudden give us an excuse to just stuff worse though like i'm sorry that does suck yeah and you lost the dispute sounds like when the credit card company reached out to them they had the evidence necessary to say that the charge was justified but they really didn't it was just a stupid they gave enough to the credit card company that the credit card company is like, I don't know.

51:12It was stupid. It was bull crud. It sucked. Okay. Well. Total interest charges here so far in this card. $117 and 29 % interest. Yay. Let us continue. Because, oh man, we really just have every f***ing credit card ever invented in the history of the world. So, we're waiting to get out of credit card debt before we can get married, huh? So, we're getting married to like police according to your pattern in our 60s don't want to i wanted it to be a year ago actually and it's still being pushed okay which sucks you know i do have sympathy for that but again we're over the credit limit and we know that you spend a thousand dollars a month if not more 1 ,300 on just snacks.

52:07So it's just like you are literally choosing snacks over your marriage. Like if we want to break it down to the most simple form, you are. And I have sympathy for the marriage. I would love you guys to get married. I'm sure you guys are a very pleasant couple. You're choosing snacks over your marriage. Like what do I do about that? How does that impact? You know, you're over this again by an extra$40. So you owe 900. I don't think you may have broken. People like to break records. It's a little record-breaking. Not knowingly, but people do it. And I think you're breaking the record for the most amount of cards that are above card limits.

52:46Well, I didn't know what those were when I first got them. Yeah, but you did recently, and you're still above. Yeah. Also, on the last card, I forgot to say$63.06 is your minimum monthly. And then on this card, your minimum monthly is$102. These are definitely stacking up, these minimum payments. Dramatically. Oh, good. $35 fee. $22.

53:14$22.46 of interest. Why do I not see a payment? A late fee. There it is. Oh, that card in particular? It will not go through with my bank. Contact your bank. Open a new bank. That's what I've been trying to do. I've been trying to deal with that one. How? How have you tried to deal with it? So I've been calling them. Someone that can't come back on snacks. How'd you try to deal with this? I've been calling them. I've been trying to pay that. Okay. No, no, no, no, no, no, no, no. You've been calling them. Okay. Tell me. You've been calling them. I called them. How does that go? I talked to a freaking robot, pressing how much I want to pay, what I wanted to pay, and then it doesn't go through.

53:50No, speak to a human. Push zero as many times as you need. Speak to a human. You can speak to a human or a bank. I regret that card. I hate that card. Oh, you're calling them, not your checking account? I called them. I called my checking account. But it sounds like you're not even But you're not even talking to a person At least talk to a person I finally got it paid But I could only pay the minimum Because I didn't have that much in my checkings account Why? Because you spent a thousand hours Going to grocery Snacks oh my It really just does keep going That's the one I cut in half It doesn't matter though because you spend on TikTok shops I don't give a shit I want to be happy for that it's impossible this is the furthest away you are from hitting the credit limit with a 400 credit limit you know 338 and 68 cents interest charge 8 dollars 85 cents purchases 42 dollars 95 cents i'm gonna walk away right now 25 dollars was the payment so you're going up so it's going up it's going up from 311 to 338 so we're going to the credit limit we're going we're flying to it and$25 minimum payment.

54:58Wonderful. I'm guessing it's TikTok Shop. Oh, it is. $42 for a cooling blanket that doesn't cool. Yeah. Because it's a blanket. It's not even a good blanket. Yeah, you got it from TikTok Shop. I assume that's the Timu of... Yeah, it's like that really thin one that just kind of lays on you and like... A blanket that lays on you? Yeah. Okay, it like fits your body almost the same way a tight dress would. Never worn one. I don't know. I'm sorry. I can't relate. But that's like the kind of material it is. It's so thin. And it's a little bit of weight. That's probably why it's a cool blanket to let air come through.

55:38How would a blanket cool you? I don't know. That's why I was so mystified by it. It has like vents and AC on it or something. Blankets can heat you. On the picture, this thing was thick. And then when I got it, it was super thin. Well, you purchased through TikTok. I mean, that kind of sounds like a your fault, your problem type of situation. Also on a card that you shouldn't have purchased on because you're not paying on. And there's been multiple fees. You didn't just miss one payment. There's been multiple fees this year. And then lots of interest accruing at a 32.24 % interest rate. That's the worst yet.

56:14Place for collections. We have collections too. Collecting just every bad debt you can get. So what was this? This was regional creditors named the bureaus. is that an apartment no that was when i was about 18 i got a victoria secret credit card spent no this would have fallen off but okay sorry go ahead no i spent like 100 bucks on it for my friend for christmas as her christmas present and then i got kidney failure and i ended up getting fired because i never sent the doctor's note which i did to my employer at heb I will call them out for that one H-E-B, they have H-E-B in Colorado? No, this isn't when I lived in Texas You lived in Texas?

56:58Yes Oh, where'd you live? I lived in Houston, Texas Oh, cool Yeah, so Oh, you did tell me that before we filmed You said you're from Houston Because I heard a little bit of a southern accent in the beginning It's gone away But yeah, that one It ended up just never getting paid Because I couldn't find a job Listen, I'm gonna believe you about the Doctors No thing But the thing is throughout this conversation, we've talked about a lot of things that you should have done and you've always blamed it on someone else or the bank or something else. So I no longer can believe that you actually sent it and didn't maybe mess up in some way because you're always saying that you did the right thing and it's someone else's fault.

57:36I know for a fact I did because the team leader, the shift manager didn't like me in particular. I don't know why, but she didn't like me. and so she never gave it to my boss they ended up finding it when they were cleaning out her desk after they fired her and then asked me to come back and i told them no because they screwed me so why would i want to go back oh that's interesting i'm sorry that happened but that's what happened there and that's why it's so high you owe 386 and it's been on your credit for the collections for four years eight months so it still is going to take a little while to fall off there yeah i was just gonna oh my goodness are you kidding me this really just does not stop we're at an hour it's not your fault i mean it is your fault it's your debt ah whatever doesn't matter we're at an hour and we're still talking about debt that's when i know it's been a ride of an episode okie doke so more i'm assuming this is mortgage 539 dollars a month yep uh 37 000 you said you bought it for 40 yeah but we got a thousand off because the stairs falling apart for the amount of money that you're putting in this thing that's a depreciating asset that has to be on a lot that you're renting for the rest of your life stupid purchase just to be flat out five hundred thirty nine dollar purchase like i would have sent if we really i would have put even just a pet in one of my parents homes for a bit or something till we found the right place but also the fact that you made it sound like you couldn't find anywhere at the beginning and then you eventually told us that you put it in his hands and you stop looking it's like at that point again i just you're not putting in the work necessary you're not you're you're lazy you're lazy maybe you also get overwhelmed and that makes you shut down as well like that's a big thing that can happen to me i get it it's a very natural human response but you're also lazy there's lots of laziness in here yeah i mean you get off work and you're like oh hungry what do i do mcdonald's i will admit that i think i put most of my energy into work and anything else outside of work is just pure laziness yeah unfortunately life doesn't really give us that option oh it does actually you just yourself by taking the option oh we went to school I didn't graduate that's okay it happens

1:00:08I only did one semester so you only owe the 1 ,709 and the 1 ,014 that's it yeah are you paying I can't figure out how to log into it and they've been trying to call me since I've tried but I just keep avoiding the phone call there it is it's not that you can't figure out how to log into it because I use this debt service provider of Nelnet. You can reset your password. You can talk to them. They are not difficult to talk to. Again, this is you. This is you. Don't blame them. Don't blame the system. This is you. Now I can't trust you on anything that involves you putting in an effort. I really can't.

1:00:43And also, gosh, you might be able to get onto a safe plan or something. Well, I don't know if you can get on it right now with it being under pause in federal courts. but it's saying what the minimum monthly payment is so I'm wondering if you're paying it and you just don't know it because it's attached to your account from before or if you're missing it in which case they can garnish your wages like it's the government and this one they'll come in I don't think they've been garnishing my waivers but I also don't think I've been paying it because I changed my debit card so it wouldn't pull out anymore.

1:01:21What do you mean change your debit card? What does that mean? Because last time you referred to your bank account as your debit card. I called the bank and I asked for a replacement card to get rid of some subscriptions and other things that were being paid. You likely put in your bank account information for this, though, not your debit card. I don't know then. No, wait. No, because I changed from one bank to another when I was... Okay, then I'm extra scared. If you're not paying this payment, this is the government. This isn't a thing that will send you into collections. This is a thing where they'll come after your money because they can.

1:01:55Figure this out. Make a phone call. Be an adult. Act your age for at least five minutes and figure this out. I will for sure call them.

1:02:09We've reached the end of the debts. Correct? Or is there any more I don't know about? I think that's really it besides the money I owe my dad. which he doesn't really want me to pay him back. He wants me to use it for like use what? Either a savings or a funeral fund. Like if I can hold on that money back then put it into savings. What the f*** are we talking about? Is it sitting somewhere? Is the money sitting somewhere? No, it's gone. Oh, I've spent it. How much? From adding up everything that my dad has sent me around$20 ,000. Oh!

1:02:45why are you saying pay back and he's saying not pay back i'm confused what the so i've wanted to pay him back oh you want to but it's not agreed upon that you're going to well his thing was he wanted me to put it into a savings didn't happen does he know that didn't happen does he know it didn't happen does he know it didn't happen yeah he knows and that's why he sent me money to help me get here and now what's the status of the twenty thousand dollars is he is he's accepting it as a loss or does he want it back he wants it as a savings for me so i'm but it's gone it's gone though so what does he want with the twenty thousand that's gone he i guess he sees it as a loss he just wants me to get on my feet and so my own person so he still does not want it back no not that i know of not like for himself can you call him yeah i would like to inform him on something yeah please okay let me grab it we've bought you a motorcycle he bought you a car too oh my gosh and he's sending you monthly what is happening he bought my fiance the motorcycle are being enabled so hard and spoiled and you're not oh my gosh i don't think you've had to grow up because you're just relying on but i don't want to rely on him that's a lie that's a lie You might not actively consciously recognize it, but your actions are showing that you would rather put your cheese puffs over relying on them.

1:04:11So not relying on them. So, yes, you do. Subconsciously, your actions are showing that you just don't want to hear that. Let me see the answers. Daddy? Hey, I'm doing the interview right now, and he wants to talk to you because I brought up. Can I speak to him anonymously? Yes. he brought up something so i'm gonna put you on speaker real quick hello sir can i speak to you anonymously yeah um so i know you send your daughter a few hundred bucks a month it looks like i got 500 from you this last month did you know that she spends that immediately going out to eat not towards her necessity bills and she spends it on snacks at the gas station, all of it and more?

1:05:05No, I don't know what she does with it. Okay. Do you still support sending her that$500 even though she blows it all on things like that and not any of her bills? What I worry about is they're getting evicted. Okay. It's not going to rent though. It's only going to fast food.

1:05:27Okay. I just wanted to inform you that just because unfortunately in a lot of situations we see a lot of people through loving parents loving parents want to help their kids and they give them money what they don't know necessarily is where that's going and it actually ends up enabling bad behavior from their kids and this is not your fault you may not have been knowledgeable in the situation because you're just trying to be a loving person a great father but it actually ends up hurting their children because their children never end up becoming independent and they end up spending that money on bad behavior instead of what you're actually intending it to be.

1:06:02I appreciate that. Yes, sir. Just wanted to let you know. I'll give you back to her. Okay, thank you. Okay, I'm going to let you go now so we can get back. Okay, bye. Bye. He sounds like a sleepy man. He has COVID right now. Oh, poor guy. Good for him for answering and talking. Nice guy. He always answers. He tries to. that's good no he's you know seems like with his actions he seems like a loving parent bought your car bought your motorcycle apparently um and all this stuff he just he's he wants to support his kid love that but again for you it's not actually helping you because it's a safety net and you just go spend it all on you've never had to rely on yourself and be independent yeah it's just unless there's like a massive nest egg which you would blow through anyway at the time of his passing and you're just going to not even know what to do.

1:06:56That's what I'm afraid of. Okay, how old is he? He's 50. Oh, okay, well, you know, we got a long time going then still. Yeah. Yeah? But my parents are the same age as well, so better be a long time.

1:07:13All right, and you're checking account,$91.

1:07:22ATM withdrawal. Bro, who knows where the f*** that went? An Apple bill. Cigars,$20. Transaction fee. Thunder Mountain. Apple bill. Amazon. Bucky's getting some bulls***. Going inside getting some snacks from a gas station. Target, that looks like snacks that's small enough. Same with the Dollar General. Same with the 7-Eleven. Looks like you're getting stupid snacks. And Barbara Hurt and Sauce Daddy and Scottfield's Fruit and King Scoop and another in-app Apple thing. and going inside and getting some BS from the gas station. Daddy-O's. You're taking money from Daddy and going to Daddy-O's with it.

1:07:56Sonic Drive-In. Dutch Bros. King Scoop. King Scoop. Domino's. ATM with R. $80. Who knows where the f*** that went. Office Depot,$0.34. What are we doing? Slice and roll. Went inside. Got some BS. IHOP. Went inside. Got some BS. Overdraft. Oh.

1:08:17God, I haven't seen an overdraft in a hot minute. that may be why a payment failed because you didn't have any damn money in your account. Did you ever think about that? No. No? If you don't have money in your account, you're not able to pay the credit cards, my friend. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Moo Moo, where they give you up to 15 free stocks and 8.1 % interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account?

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1:09:30Well, I know that credit card that has its issues, that one to manually pay. It doesn't get automatically pulled out. With that, I know. But if you still do that at a time when there's no, I'm sorry. To me, this actually just this has lost any kind of entertainment value. this has lost any kind of like yeah you know whatever money this after that statement and just not even knowing that this has just gotten sad this has just become sad like if you don't have money of course you can't pay a bill and that should be understood i thought i spent most of my money on food but i didn't know it was that much until you just read it all off countryside liquor I think coffee and Tommy boy

1:10:21Rocket something And Went inside Gus and BS And barbecue and went inside And Gus and BS F*** me This is just sad now Yeah overdraft and fee 35 bucks

1:10:44I'm sorry dude Your life is hard And it comes from a place of ignorance And ignorance isn't a bad thing People use it as an insult It's not an insult It's just literally Your lack of knowledge And the fact that you Just didn't even know that Not having money You can't make payments It's like You're really coming from a world view Of just nothing Knowing nothing about money And that's okay But that makes it even more dangerous That your dad is supplying your lifestyle Because you're just never going to learn. I almost need them to cut you off. And what is this thing about a car? You've brought it up a couple times, needing a new car?

1:11:19Yeah, I'm pretty sure my dad's going to cut me off now that you talk to him. But I was needing a new car because right now I drive a 2020 Kia Soul. It has 80 ,000 miles, but it's already falling apart completely. What does that even mean? Describe to me falling apart. Like the whole engine is starting to fail, which has happened to my last Kia Soul. I don't know. Have you taken it to a mechanic? Yes. I took it to the Kia dealership. What did they say? They said it just needed to be flushed. But it didn't fix any of the problems that it was having. So I paid$1 ,500 for no reason. Stop. Stop. Do you live in the same town with your dad?

1:12:09No. Why do you guys live in a small town where there's less opportunities then? So we moved out to a small town so we could actually start a family and have a nice place for that. How's that going? Not going very far. How far away is dad? He's in Houston. Oh, f*** me. But my mom is about 30 minutes away from me. get her and the fiance all together and take this car to a mechanic a different the highest rated mechanic on like google surveys or whatever do that i don't think you need to buy a new car don't yourself worse than you are right now this thing is probably repairable 80 000 kia sold 2020 you're probably fine you might need to put a little bit of money into it but it's probably actually worth it on like putting money into the uh the mobile home which i don't even know what you guys are doing there like do we even talk about that we haven't done much to it and what about this motorcycle what about this motorcycle the motorcycle we were pushing it to the side to use it as like if i needed to buy a new car it's worth about 7 000 okay sell it and use that to repair this car unless of course the value of the car get it on kelly blue book do do the value of the car search the vent if it's even going to cost if it's going to cost more than even half the value of the car to repair it then maybe we're considering okay potentially getting a different car that gets mechanic approved for longevity and safety but i highly doubt it will you're just saying all the whole engine's dying that means nothing and i'm not even a car person there's going to be specific things happening you need to then take it to a mechanic figure out what it is you don't even know and you're willing to go get another car already you don't even know so just stop so right now because of winter's coming up the motorcycles were 2 700 because we just got it appraised and why the are you telling me it's worth 7 000 what are you talking about it's worth in the summer so it changes in colorado specifically the entire value of the car sell it in texas with your dad where your dad is then we have to take it down there i have to get somebody to come up here road trip woo i don't want to i don't want to do a lot of things yeah that's what your life is um okay sell it in summer i mean cash flow to repair we can get you there probably and then i know the kia is worth about 4 000 right now the 2020 80 000 is worth$4 ,000.

1:14:48Yeah, because it got rear-ended by Silverado at a red light. So it has a big old in the back. But besides that, it's only worth about$4 ,000. I want an app so bad. Oh, but we have a member stream after this. But I'm excited. We're going to play Mario Kart with the members. Hang out with the members. That'll be fun. If you guys want to watch that, and join us for the post show, feel free to join our membership. It's pretty fun. We'll hang out, but I need that joy in my life I need some Mario Kart to get here in an hour cause this is this is insane where'd that pen go you think you can run away I can't run away from this conversation you can't run away either pen total income $2 ,614.36 let's add up these debts these middle monthly debts if we can knock out some of these by road tripping to a warmer place drive a few hours south south of Morano but if we can pay off some of these debts by selling the motorcycle it's probably so worth it we were thinking about doing that but we waited too long and now it's winter time and it's not worth anything up there and we're still trying to figure out how the hell we're even supposed to sell this do we throw it on Facebook Marketplace?

1:16:10yeah, on Craigslist so yeah take the best pictures again make sure it's all pretty okay debt payments not mobile home 415.42 all credit cards by the way and then the mobile home are you both on it yes do you pay half well i'm a little confused how is this paid how is that bill paid so far it's been me paying the mortgage by myself all right and then he helps Mortgage, 539. With what I can't pay for for rent. Yeah, and how much do you put towards the rent? Probably about, I'd say,$800 to$900 is from me. Oh, I'm going to. Okay,$800,$800. What about utilities, gas, water, electric? That's also on me.

1:16:56That's. What does this guy take care of? Substantially. Anything? He takes care of, like, the things around the house, so I don't have to do laundry, dishes, cook. He does all that. I don't have to do that. Why do you need that fancy thing? It has all my bills on there. You bought this for bills? No, I got this as a Christmas present. But it's something that I actually really like. So utilities, how much from you? 130. Okay. Gas, vroom, vroom, drive, drive for your vehicle. How much? 40. 40 a month. Oh, 40 a week. Sorry. That's okay. 160. car insurance 374.50 and that's because it's both cars with full insurance both cars so you pay for his does he give you half does he give you half what the f*** does this guy do he sounds like a deadbeat he pays his own car payment though yeah as he should it's his car payment why is he paying for his own car insurance phone bill you said he takes care of wow at least he did a phone bill guys.

1:18:07Alright,$100 to the TP fund. It's anything else you need to survive. It's makeup, it's whatever. It's all that good stuff. Groceries, you can contribute$300 to the pile. That is it. Oh, we also spend about $296 on pet food a month. And$54 on cat litter. Yeah, so about $350 for the animals' needs. You said we, so how much comes from you? Oh, it's all me. this man, he might every now and then go and buy a dog food or a bathroom. It's time he steps up and actually does something a little more than a phone bill. Okay? All right. It's happening. How much for the pets again? Three what? About 350. You need to use the meal prep thing and do meal prepping, and I'm sorry you're warming up shit.

1:19:00You're actually cooking. But$300 is all you can contribute. To the grocery pile. He wants to spend more, he can. Medical healthcare co-pays. Anything? Nothing. Jim, anything? Nope. Subscriptions, certainly the f*** not. No, actually, all our subscriptions actually go through our Verizon plan. So, I think. So, he pays? Yeah. Okay, well, you're not paying anything. And that's a lie, because you were paying for that. I got this one. Anything else I need to put in this here? Budget? Don't. think so i think that's everything great i mean i don't think anyone's gonna be surprised here dude needs to step up a little if he cares about you at all because you bring in 2614 dollars and 32 cents 36 cents and what you need to survive on a minimum of the basis cutting back to the bare minimum is 3 ,218 and 92 cents.

1:19:58So where you are under by 600 and$4 and 56 cents. Let's see here. If he takes care of half the cat food, half the car insurance or half the, half the pets, half the car insurance with 300 there. And then how much does he put towards rent? you put$850. How much is he? What's the total of rent? What's rent total? About$1 ,030. Who is this guy? If he takes care of half the rent you break even then. If he takes care of half the rent, half the pet, and half the car insurance and just takes care of his own basic responsibilities instead of putting it on his fiance like a loser you actually break even and then we can talk about making progress.

1:20:48So oddly enough and this is the first time this is a different strategy than normal for this show. Because usually it's like, go get a new job, which we might need to get another job. Even though you're always tired after work, I don't really care because I care about your future more. But you need to have the tough conversation with the guy, the fiance guy, and he needs to pick up the bills because just show him this. Show him this. This is you cutting back to nothing with no paid for fun. So he needs to take care of that, and that way you break even. So that's actually the first step is you need to do that.

1:21:22Well, now that he has a job, I can confront him and be like, hey, I need your help. Well, don't confront like that. Okay. Well, if you're, yeah, there you go. If you be like that, yes. Please help me. Confront is a strong word though. Especially the car insurance. I hate paying for that. I'd rather him pay for that in full and just take it away from me. And then for the debt, from there, you're just probably going to have to get a second job or work more hours. Nah, not hourly. That's right. Yeah. so get your as quick as you can and then maybe more hit more of that door dash that's again that is for sure me being lazy because I drive all day so when I get off I'm like do I want a door dash do I not am I too tired am I feeling up for it the credit card balances themselves are not insane but there's so many of them that adds up to insanity so you I see on here medical debt of 12 ,000 on this spreadsheet.

1:22:17You didn't tell me anything about this. I get phone calls every now and then. I know how much it is, but I avoid it. You avoid it so much you avoid bringing it up when I asked if you had any more damn debt. I forgot about it. Oh. I avoid it. How convenient. It's different hospitals spread out around Texas, and so when I left to Colorado, I just kind of avoided it.

1:22:43you need to get another job and just start paying off this debt i'd go small so large you can take care of it the balances are small enough that you can take care of them almost one at a month you can actually snowball this thing but the first conversation is you're right now dramatically underwater by 604 dollars and 56 cents on a tight budget with no mistakes which is impossible not excusing mistakes but humanity you know so you need to have that conversations in first it might be worth downloading or using relief app to see what they can do about potential debt negotiations we can get you connected with that it's usually for more extreme cases you know i only work with them on the extremely you know when it's like harder for someone to get out for a lot they can change their behavior they can get out of debt in a certain amount of time for you very underwater on different things at least i don't have a payday loan let's just stop don't try to don't even try don't it's not funny it's i don't know the first conversation starting with him and then if you actually follow this budget and you go make a few hundred extra bucks a month you can start paying out some of these debts you know they start around the 300s and you can snowball from there but depending on how quick you know you This could take the mobile home.

1:24:03I don't even know. I don't even know the interest. And you guys are going to put more money into that.

1:24:09Don't put any more money into the mobile home. Unless it's to survive. But don't. It's done. No more sinking into losing investment. No more doing that. You're focusing on paying off debt, getting a fully funded emergency fund. That's what you're doing. And he needs to step up and pay some of his own damn bills. Go for an adult. okay so that's step number one this could take a couple years it could take even less if you bring in some more money than if we don't throw money to the trailer but this is about you going and having a tough conversation that's part number one and if you do receive any money from dad it goes to debt it doesn't go to having fun okay that's not an option spending the budget you overspend so zero out of ten debt you have collections zero out of ten emergency fund nothing in savings 0 out of 10 retirement.

1:24:59Do you have any retirement? No. All right. Hammer financial score 0 out of 10. That's as clear as possible. Join us for the post show. We're going to bring in the producers. We're going to talk about more of the drama side of things, some of the tease side of things, and have another 20-minute discussion after every episode. Then also check out all the resources linked in the description below as they are what I use or would use in specific situations, including the best budgeting and investing program, which are bundled at a 15 % discount. Check it out. Today on the Financial Audit Post Show.

1:25:24I can get very paranoid about making sure bills are paid on time and he will forget sometimes. Yeah. And I will be on his butt about it. It gets to where I'm nagging him 24-7. Did you pay this bill? And that's why I have so many bills on me. Are you guys right for each other? Every relation has that little thing that kind of... This is a big thing. Big thing. Couple, the guy drinks too much, spends all the money or whatever. That would be huge! He likes to stay home. He doesn't go out. I'm more of a person that wants to go out. So again, you guys write for each other. To watch the Financial Audit post show, click the join button below.