Evil Husband Forces Wife Into $356,955 Of Debt | Financial Audit

25:03Go do this. Because I used to go shopping a lot. So it was lies. Well, like she was trying to be a part of it, trying to understand if it was appropriate to spend or not. At the time, shopping is not a bad thing, whether or not it's appropriate is the question. And you just lied. Well, it's not that I lied. It's that at the time we were doing OK. You did. We were doing OK. I kept repeating that to you so many times. Stop lying to me. Tell me the truth. Hey, what do we owe? Do we got to pay the light bill, the gas, the house? What's coming up? Like, I need to know. Every time something came up, I had a plan in my head.

25:36So I would say, look, all right. Oh, you're one of those guys with the plans? Plans. I know. Your plans don't work, dude. There's proven systems out there that you can take advantage of. Well, I didn't know about that. And you wanted to do these plans. You're the guy with the plans. The plans never work. I know. You get an infinite amount of plans. All you're telling me is that I need a new plan. Look, private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss you, grandma. Why Refi says, chill out. No more sacrificing the family jewels.

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27:16Yeah, I mean, I'll give you a plan. I'll put you through all of our classes, debt class, budget class, all the good stuff. No, I gave you a plan. Once I found out about everything, I started organizing on our day-to-day, what we're spending. I will say that. And did he want to listen to it? Yeah. At the beginning, no. Well, he went. Tell me about it. I need to know the dynamic. Tell me. Okay. So she, and I will give credit where credit's due. I want to see where she learned a lot. Why do you think he wasn't listening to you? Because once we budget, I'll tell him, okay, we have this by the end of the weekend so we could buy groceries.

27:47Like we only have like$100 left over for groceries. And then he'll go. and then suddenly there's a purchase of like a taco truck and like buying food at lunch. I meal prep for a reason and you wouldn't go buy other food. Oh my goodness. That was recent. And I'm like, no, I don't care. Do not go out to eat. What's the point of me making the food? If you're going to go out and eat something else. But it doesn't work if you sit there and just tell someone what to do. Instead of actually sitting down, coming up with a plan together and being on the same page. It doesn't work if you kind of create your own plan for the household and you're like, Like, this is what you do.

28:23Does that work? No, but this is the thing. Okay, so I put in, because he already did his thing on his side. He tried to take over. It didn't work. So might as well me try to take over and try to organize our finances. No, no, no. Maybe the takeover is what doesn't work. He tried to take over. You tried to take over. How about you guys sit down, do it together? Because his ideas won't work. Well, okay. Okay. I think if we put our heads together, we can come up with a plan. And lately, we haven't. She seems to disagree. We have our income. We have it kind of lined out. Who's making what, when? And the only one that's kind of like iffy is the second job for me because it depends how many classes I'm teaching, right?

29:01I can get more. I can get less. Last week I got, you know, over 900. This week I got 200. So it varies, right? It averages out. It averages out. You got about$10 ,000 a month net, which is awesome. With that, we have like our bills. But the thing is, the bills that we do have, they take a huge f***ing chunk. Yeah. So at the end of it, we're left with like$100. No, that's great. No, that's what we really like. No, I want to know the dynamic around the conversation around budgeting right now when we're talking about what we're doing with the household finances. What does it look like? Right now, this moment is we follow a planner board that we have.

29:34And the discussions around that is, are you sticking to the board? So it's holding each other. Yeah, holding each other accountable. Me holding him mostly. Really? Yes. Tell me. Because I'm like, hey, you have this payment, this payment, this payment, this payment to make. my check is going to be saved up to try to make the car payment or to try to make the mortgage payment because I only get like about two checks every month you know so then he gets them weekly so I'm like hey you got a firm you got your credit cards you got this you got that light bill and all that stuff and how do those conversations go when you're sitting there telling him all this he has to do them she just how do they go how do the conversations go well okay I'm like all right he just said okay she'll tell me like hey did you pay that and I'm like yeah I painted according to the board.

30:17Like last week, he had made other payments. So I have access. We have a joint account. So I have access to see what he buys or purchases or pays. And then I see extra affirm payments. And I'm like, hey, we only had a total of like a four for affirm payments that you have to make this week. Why is there extra? It's like throwing off the calculation that I had for the week. And then he's like, well, I was backed up. I needed to catch up. I was like, why didn't you tell me this in the beginning? Like you bring up new things every week and it just f***s up the whole calculation that I have. It was on auto pay, but it was on auto pay to a separate account that I have that's like personal.

30:54So it didn't f*** draft. So then it basically said like you're late. So I needed to pay it to catch up to get back in good standing. Well, I know that recently provided by your work, you went to a financial advisor and your quote to Colton from that conversation with the financial advisor. A sassy black advisor looked at me and said, hmm, honey, you just need to file bankruptcy. Well, it was virtual, right? So like essentially what I don't know, maybe that is the truth. It was a virtual assessment. I mean, I'm sure she didn't tell you to change your behavior first. Usually financial advisors honestly aren't usually the best budgeters.

31:30Usually they're good for investing. This is kind of how that conversation went down. She's like, all right, explain to me your finances. Break it all down. I don't need to see nothing. Just kind of tell me. Because it was a quick like, I think it was like an hour long call. um and so i started explaining it to her and you know we're virtual whatever and then every time i'd bring up something tell her my payments and like at that time she wasn't working so when like every time i'd say something she was just like and then um her whole thing was like honestly you just need to file bankruptcy she's like i don't see anything that might be the case she's like i don't know and i was like okay well is that gonna help with the uh like kind of everything because I was like, my thing is, it's not just getting out of debt.

32:13What's everything? What are we trying to do? Changing habits, right? Well, exactly. No, it doesn't. Because if you do bankruptcy without changing the habits first, you're going to be in the same amount of debt. Exactly. It's not worse again. So my whole thing was we need to learn how to change habits, which I think we've improved on. But also - We'll see about that. Right? I mean, come on. Aside from that, though. People improve before coming on the show. It's like for a week or two because they know they're coming on the show. Nah. It wasn't like that. We'll see. Aside from that, though, it was just we didn't want to f*** up our credit either.

32:40So like it's already kind of fucked up your credit But it will fuck up so we didn't want to fuck it up We want better credit you already have the house Are we trying to sell and move? Yeah Well then why did you buy this house dick? To build equity She didn't want to to build equity You can build equity in any house that you buy potentially But you have to buy the house to build it don't you? So we bought one Yes but you probably would have made more money We already are making more money You probably would have made more money Putting the extra money that went towards the house In the overall market The valuation of the property already came back.

33:12And we're already like, it's projected that being$25 ,000. Investing the rest in the overall market. You would have. And then you would have had more money to put down and have a chunkier equity position on a house that you guys actually wanted instead of rushing into a house because, uh-oh, I knocked her up. We did want the house. She didn't? We went to go look at it. She was like, yeah, I love this house. Okay, so we were already in it. So I was like, might as well. Exactly. Because at the beginning, we were. Well, that's different than I love this house. Hey, I mean. I didn't say I love this house.

33:44I said, I mean, yeah, why not? I mean. Very conflicting. No, because you always see it. You see a whole different perspective of me. I did not say I love it. I said, okay, I mean, we might as well then. Like, he kind of convinced me into it. He was like, no, we got to get our foot in it. And I was like, okay, I guess. I was like, this isn't going to be our forever home. I was like, I'd rather pay towards a house that we can later sell for hire. I wouldn't necessarily buy into a home that we can't at least consider a forever home. Is it likely to be when we buy our first home? It can be. No. But if it's not even in the consideration, if we're immediately going in like, this isn't our forever home, yeah, let's buy it.

34:22What? No. That's bad. Because you never know what the market's going to do. Well, that's the thing. So we're like, all right, we're going to get like a cheap starter house. I was like, we're going to, you know, fix it up a little nicer. What's a cheap starter house? How much? We got it for$221. Okay. Or like 225, but with the down and all that, you know, it went down to like 221. So right now we're like at 217. So that's like total debt. Yeah, but we'll see what it's actually worth once we get to it. That's later on. Okay, I'm going to go 3, 2, 1, and then point. When I point, I want you guys at the exact same time to give me what you think your household financial score is.

34:550 to 10, 0 being the absolute worst, 10 being the absolute best. 3, 2, 1. 2. 1. Okay. If you watch your Hammer Financial Score, take the assessment for free. It just takes a few minutes at calebhammer.com. You'll see where you're doing poorly, where you're doing well, what you need to do to improve your situation and get to the next level. Take it for free at calebhammer.com. If you don't want to be like a guest who ends up on the show, make sure you download the DownloadWise budgeting app. That's exactly what they have. New features being added monthly. There's an incredible team working on it.

35:27It's incredible. And it changes tens of thousands of people's lives. DownloadWise.app. Sign up for the free trial. See if you like it. And if you do, you can also take the annual version to save a lot of money. And when you do, I will personally sign my budget-friendly cookbook and mail it directly to your door. DollarWise.app. All the links are in the description below. Let's get into these numbers, shall we? So Home Depot, that's racist. What's going on? What's going on with this? When we first got the house, like, we needed to do a couple improvements to it, right? So the main thing was the home needed to.

36:07Why are we buying a house that's supposed to be the cheap house that you need to put money into? Well, you needed to get a washer, dryer, fridge. You need that. So it was utilities, right? Or appliances, right? Appliances. At the beginning. That was at the beginning. Appliances are different. All right. At the beginning. Okay. But then it got into. Oh, it's over the limit, you dick. You're a dick by hundreds of dollars. Slippery slope, right? a slippery slope to get over the limits? What are you talking about? Every time you go into Home Depot, they got the f***ing deals. Yeah, I know. I know you're excited.

36:39Yeah. That's pretty racist. Insta erection. I know. I know. It gets me off.

36:47I'm sure you're in it more than you are in her.

36:54Having gone recently, it's over the limit. Yeah, and they're pulling up with Vans, So I'd stay away Yeah pretty much So freaking What happened with that was It started out with Getting the appliances Alright and then as we were going Like every month Or every week after I'd be like We also need this We need to get filters We need to get this We need to get paint We need to get You didn't need paint Well they had It was just We needed paint for the Like touch ups and garage Like stuff Cause they didn't paint it Garage? They didn't paint it Why do we care about the garage? That's what I said That's what she said.

37:30So, okay. She's always saying no to all this shit you're trying to do, yet you just do? Pretty much. What do you always just do? Because it's needed. No, paints in a garage is not needed. Okay, look. Our backyard is needed because they did give it to us without no grass. So we spent a couple hundred dollars. And then the side of the house does flood. So we ended up building a fence train. Pause. So who gives a f*** if there is no grass in the backyard? I need to take my daughter to play. I want to take out my daughter to play She wasn't even born When you bought the house yet No she was Wait I thought you wanted to get a house Once she got pregnant and you wanted to upgrade The number one YouTube membership Just got Upgraded Three exclusive shows every day Monday through Friday Financial audit post shows Exclusive and uncensored financial audit Episodes Our call-in show, Hammer It Out.

38:28Well then take the train, you f - And brand new shows, Fat and Fatter. That is... That one is... That one is... I would go off-brand. Behind the Audit. What? This was wild. Shop Smart.

38:47And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. No. So we lived in the apartment with her for a few months. And then when she turned... Hey, how many rooms are there in this apartment? The apartment? Yeah. Was... Two. Two. Two bed. I mean, at that time we had lots of animals, so a bunny had its own room at that point. Well, no, when we have a kid. But it was way before that. I'm not saying get rid of the bunny. It doesn't need its own room when you have a kid.

39:30We did. No. No, we got rid of the bunny is what I'm saying. But there you go. The problem is we're home. The kids would just go to a park. Well, the thing was, we're like, all right, we need to. Well, at that time, it was like. It was just me and him. We wanted to make sure. Usually apartment complexes, by the way, have common areas with like. Yeah, they're fucking bad. They're horrible. Well, you're right. Well, your place didn't sound great. I wanted you to move to a better apartment complex. There was no playgrounds in the apartment. Well, I said a better apartment complex instead of buying a house.

40:01But you didn't need to get grass. The flooding thing, I agree. Yes, we deal with that. The grass was not 100 % necessary out of the gate. It just wasn't. Okay, it was an aesthetic thing. We wanted to have fucking grass in the back. Yes, there it is. You couldn't afford your bills. Fuck you. She was out of work. Fuck you. What are we doing? She had gone back to work. I don't know why we were struggling. Because you put this over maxed. And then on the side, so like on the side, it would kind of flood a bit. Yeah, I'm okay with that one. And we had mentioned it to the builder, right? So they were like, hey, man, sorry, we kind of sloped it the way it could, whatever.

40:31They couldn't help us basically in the warranty. Well, then you had a bad realtor. Yeah, it was pretty, yeah. Yeah, we didn't have a bad realtor. Point is, I was like, all right, I'm going to make, I'm like a DIY a French drain. So then I went to go buy all the shit that I needed. Yeah. So that's why we're like. That's what that is, dude. The French drain, all the materials, the rocks, the pipe. What? You overmaxed out a card? I didn't. It was the interest. The Burlington Coat Event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th.

41:09Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our code event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. If you make minimum fee payments on time with the interest rate required, like, it will not go over the limit. It will not. If you make minimum fee payments on time, even if you're at the limit, it will not go over. The problem with that was, and I'll be honest, So like I'd make a payment, but then I'd go and spend more than the payment.

41:49Oh, there it is, you dick. Why would you do that when you have a wife and child? Because I wasn't paying attention to what the limit was. But like the way I saw it was. No, obviously you kind of were because you waited for room to spend on there and then you went spending. It was on auto pay. So that's a lie. It was on auto pay. But you waited for the payment to hit and then you knew you could just spend. So you knew it was maxed out or else you would be spending before the payment hit. So you knew it was there. Don't bullsh**. Don't bullshit me. We needed certain things. Listen, I'm okay with the flooding thing and you had a bad realtor, bad contract.

42:22But even still, obviously, once you had the ability to spend on the cart, you did. And that is why it's been pushed over. Yeah. You have a wife and child at home. I don't care about your Home Depot addiction. My thing was, there was, dude, we had the, what do they call that? The four pillars of whatever, food, shelter, all that taken care of. So I was like, all right, look, we're going to do this to add a little bit of comfort to our house. So in my mind, it was kind of necessary because I wanted, you know, my daughter to be able to go outside and play in the grass and, you know, have stuff for her.

42:56We can budget that in. We don't have to do everything at once and over max out a credit card. I'm not against it. The method was bad. Yes, that's what I'm saying. We're not hearing that. That's literally what I am arguing about. You're over the limit, dude. We still have no grass, though. You have different interests coming up and not long It's all the crab grass Listen, the limit is$2 ,200 But you have a bounce of$2 ,733 With a minimum monthly payment of $81, I mean fees being hit I think the other thing with that was Here it is, dick, here it is Here it is, you little Dude, this is what it is This Is actually what is going on Here you go Seven of the nine months at the time of this statement, all the payments bounced because you didn't have enough money in your checking account and you got fees on it.

43:47And that is why it's been pushed over. Is that what happened? You don't know what happened? Why don't you? You took over the finances, you said. Yeah. Recently? I'm not going to look at this. Recently? You're not looking at a statement? How do you take over the finances? Well, I'm taking over the payments. Neither of you know this. This is insane. It was supposed... Okay, in my mind, it's insane. No, this is hard. It was? You didn't have enough money, so it bounced, and you've accumulated$219 of fees. I didn't know that. Fees. How? It's in the statement. I didn't look at the statement. You guys said you're looking at your shit now.

44:20I'm doing so much better recently. How? What are you talking about? That was before. No, this is no. This is this year. You would know this walking into this room. I didn't look at the statements. How are you doing this without looking at your documents? You're not doing this correct. You log in. All I would do is log into the fucking app Look at it and say okay it's enrolled in auto pay Let me make a payment now boom But if you don't have enough money in your checking account Auto pay does not work That's the thing it did It did have money but by the time Two times this year it has I guess by the time that the payment drafted Other fucking payments have gone through Two times it's worked Two times it's worked It's worked 20 % of the time It has failed 80 Well alright so So, because whenever I had fucking...

45:09What are we fucking around with in the checking account? Oh, there's bullsh** spending. There is bullsh** spending. Yeah, approximately about 20 % of your spending was the bullsh**. And you don't have enough money in your checking account to make your minimum payments? What the f**k is wrong with you guys? Come on, you took over the finances. Why is that possibly, possibly something that's happening? Okay, look, I did not look into the statements. I only asked him, hey, what payments do you have coming up? So you haven't taken over the finances. You just wanted to know what payments are happening.

45:32I mean, of course, a schedule. So what's the way of taking over some if not knowing what is going on as a whole? Well, I don't know what goes on with his own cards. I only know what goes on. His own cards? But you guys, you've combined all this, isn't it? If we're paying for his own cards from our joint checking account, which I'm assuming, wouldn't we want to know? You're trusting the guy that lied about finances for years? No, no, no. I'm trusting his words on, okay, this is the monthly payments. I'm good on my card. He hasn't obliterated that trust? That's it. How has he not obliterated this financial trust?

45:58I mean, he has now more for sure. But, well, he didn't even know this. Like, I don't even know how. $1 ,000 of interest this year, hundreds of dollars of fees, in one card. One card! Open the limit by hundreds of dollars! Deferred interest is going to hit in just the coming months. Well, all right, look. So whenever we'd make the payment, I'm sure this kind of lines up with other payments. So whenever I'd auto pay, it would take a couple days to draft. By the time that payment drafts, I guess the money wouldn't be there because another payment hit. Dude,$80? Dude, no You're telling me$81 No Why?

46:39What? So I'd auto pay it for at least like$100 or$125 It doesn't make sense, why not just minimum? To try to pay a little bit more But you're paying literally two Times this year I know It was a bad plan But we can improve it now Now that we know I didn't know, I honestly didn't know Maybe that was part of the problem I would say that's a big part is you guys don't know anything, especially now that you've taken over. You don't know. You haven't taken over. Look, I at least got us a little bit caught up this time. A little bit caught up. A little bit caught up. What are you talking about? We literally just had a late.

47:17Caught up in our court payments. No, we literally just had a late payment this statement. Like, I don't want to hear it. This is the most recent statement. Okay, well, this is his statement. I'm not going to deal with that. Why? Well, you guys are together. Yeah, we're together, but at the beginning, it was just you. And now we're trying to be together. You don't know that. You don't know that. You probably had a draft attempted. You don't know if it went through. You do not because you didn't even know it's missed 80 % of this year. Yeah, I didn't know that. That was crazy. So you cannot tell me it's been fixed since.

47:41You can't. It's at a 30 % interest rate of death and sanity. Why? I know. It's pretty bad. So when I first got it, the original plan was we're going to get the appliances and that was 0%. The guy with plans. Always having plans. Nothing's ever worked. Go on. What was your plan? Grand plan. I never said it was a good plan. I just said it was a plan. You've never had a good plan in your life. All right. So it was zero interest for, you know, the one year or whatever the promotion is. So that's what we did. We got the appliances and I was like, all right, we're good. We're not going to buy anything else on it.

48:15But then it kept coming up. So it kept coming up. You spent 20 % on bulls**t? Yeah, pretty much. It kept coming up. What are you talking about? Shit kept coming up. It kept coming up like we needed to do the French drain. We had to do grass. We had to do grass. The whole house would have burned down without the grass in the back. We had pests, dude. We tried to DIY the pest control and all kinds of shit. Oh, dude. I just knocked it out of the gate. We didn't have to pay for pest control. Yeah, we had to pay for... We had to pay like 3K for... What do they call that shit? Exclusion. Exclusion for like rats and like to prevent anything from getting inside.

48:47It's not good. Obviously, I would encourage that. But I would also encourage making your payments on time. And having enough money in your checking account. We had enough money at the time. No. No. No. By the time the payment hit, there wasn't enough money. That is at the time, dude. That is the time you would need to have the money. What are you talking about? You're making no sense. Yeah. You are making no sense. Okay. When I clicked authorized pay, there was money in the account. I guess by the time it drafted, there wasn't fucking money. This is my conversation every time with him. He's trying to justify what he did.

49:19Yeah, he is. You really are. Why are you an endless justifier? You're not? Now you're going to try to justify how you're not justifying? What are you talking about? How can she have a conversation with you? How can you guys have conversations at all? You see, this is the supposedly conversation we have. Tell you what, I'll ask my therapist. Okay. Well, how have those been going? Crazy. Pretty good. We like couples therapy. Crazy. I don't know if I like crazy. How's it crazy? Yeah, because we let everything out and we both start going at it and crying. A couple of therapists are supposed to... Yeah.

49:56I mean, she does listen. Of course. She does try to... No, not just listen. Step in and make sure the conversation is healthy. She does. She does. What I mean crazy is between me and him. Like, we both are... We don't hold back. ...going at it. And then, yeah. What are you guys not holding back on these days? What's going on right now? I would say it's tension. Last Friday. What happened? What was the big... We got canceled on. Because she broke her finger. The Friday before that. Before that. Yeah. Come on, what was the last big blow up? Last big blow up was over what? Chipley donuts? Yeah. Yeah.

50:33So basically we have this thing at work where if you get to work late, you have to buy breakfast for the team. I had gone late a couple times already. And so I was like, all right, fuck. I know we don't got it. Let me just buy some donuts real quick. I bought like 20 bucks worth of. 26. 26 bucks worth of breakfast and took it for the team. And it was a bad call, but I was like, all right, look. But his excuse is, I'm going to get a check on Friday for my other job. I am. I worked a lot of hours that week. And I'm like, that money's going to go to pay care, so we might. It's hard, but that was the big check.

51:07It's hard. Obviously, I don't want you to spend it. And the excuse you use is horrible about getting paid. I know, but I also have a hard time, like, if that is their kind of culture that's been agreed upon at work. I mean, I'm not horribly opposed to him doing that in a one-time way. One-time way? What I'm opposed to is if you know that is the thing and you're in the worst position out of almost anyone there, don't be late, dick. Thank you. Work crazy hours. I woke you up, dude. Like, I kicked you. So I go into work at a like. Yeah, but you were the one who was late. That means all the people that worked crazy hours got there before you.

51:40No. Actually, they get there after me. I was supposed to be the first one. So I get there at like. Oh, you're the safety guy. Get there. You're the manager. Come on. Yeah. But it's, dude, when you're working every day, like two, because I work, I go in at 3 a.m. and I have to leave my house at like 1.30. That's annoying, but if that's what you agreed upon, then do it. Yeah, I know. But, dude, it gets hard. After a while, it wears on you. It does, but you have to do it. I mean, I get here late. I mean, I guess I don't really have a good time I have to get here. So every now and then, it's not that it's fine.

52:07One, I could afford buying breakfast for everyone. Two, also, it doesn't matter because I don't really have anything to do before filming. So. No, we got a lot of s*** to do. Exactly. So you got to go. But that's what I'm saying. Dude, it gets s***ing hard. It wears on you. Is this a firm? Hi, Alyssa here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Webull. Do the same and transfer to my investing app of choice and you get cash bonuses of$200 all the way up to$30 ,000 depending on initial funding amounts and up to 8.1 % APY on your money and up to 3.5 matches for your IRA.

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53:34Take the assessment at calebhammer.com. You will not regret any of these. Change your life today. Yeah. Oh, dude. Two times overdue. Why the possible f*** why? I thought it was on auto pay. Oh, so here we go. So I understand why you wanted to step in, but your stepping in has failed. Okay, everything is supposed to be on auto pay. So in my mind, as long as there's money coming in. I don't think you understand that if you do not have enough money to check in the account, auto pay doesn't matter. There is enough money every week, but then it gets taken over by other bills that they hit beforehand.

54:09This is a bill. But this is why I told you to check on what you have on auto pay and which ones do you not have in auto pay. And like either take them off and try to make the payments how we have them to make them scheduled. I think it's more of a timing issue. Oh my God. What is the management philosophy here around our payments? Because we have two accounts in a row that are completely f***ed in terms of making payments. What is the philosophy we're using? The strategy we're using? The communication we're doing? Because you said there's a magical little board and you're following the board and everything's good.

54:39except it's not once we got into the numbers. The board is recent. So before it was just like, all right, every week we get paid. Dude, this is literally just now. Like, this is now. So basically, when we get paid, we pay everything to do that week. That's kind of the... You're budgeting weekly. Yeah. Guys, that's not an accurate budgeting process. I mean, it's temporary and that's why we apply. No, it's not temporary. It's going to be forever because you're budgeting incorrectly. We switched to budgeting monthly now. That's good. So that's what she does. She learns. Start. I do the whole month.

55:13She'll do the whole month. And so we plan out, okay, next week we got to pay this. We got to pay that. And then we have this left over. It's going to roll over to the next week. For the past couple months, it's been a cluster. Alta's overdue. Wouldn't be surprised if Costco and Amazon, the other Amazon, ended up being overdue. So on a firm, which by the way, this is one of the crazier firm balances we've ever had because usually it doesn't let you get up this high. $3 ,022.35. That's crazy. Yeah. On a firm? Well, it's because - What are we doing? I had a lot of good, good purchases with those guys.

55:44It was recently that, you know, everything kind of went - But for the most part, we've been pretty good about staying on top of it. And we use it for like - That's actually necessary. Like, it's not like we're buying a bunch of bullsh - Oh, f*** off. What are you talking about? Some of it was bullsh - That was her hair stuff - No, f*** thing. That's not necessary. It wasn't necessary, but I wanted to do something nice. I would too. I like that you did. except you did it and you're f***ing because you couldn't afford it so obviously you shouldn't have done it. Yeah. I mean you got a secret skeleton telescope after watching it in a cellar.

56:15It was a good movie. So I was super It is a good movie. I like it. Okay. I don't know The problem Alright the problem with that was I was we were super inspired after watching it. We? Inspired? Why are you saying we? I was like You. McConaughey made you emotional. Yeah. Cried. But it was we watched it together. You're quite a few years behind on that one, I'll be honest. I know, I know, but it still holds up, you know? Yeah, Soundtrack's great. I get it. You get excited. So you buy a telescope? It's because the problem is, I have a bad habit of getting into different hobbies. You know how they're like, oh, you're going to be a fucking...

56:52A telescope is your hobby. No, I thought it could be, right? I was like, man, I'm going to get into fucking... Buddy, that doesn't get you to a black hole. That's what I... I just remember it arriving and me opening the box and seeing a telescope and I was like, what the f*** is this? What'd you do? I called him and I was like, what is this? He's like, I got a telescope. And I was like, we don't need it. Why would you get this? We owe stuff. You know we have payments to do. Why the hell are you going to get an Amazon? I mean, a telescope. And then he was like, oh, I mean, I got it with a firm.

57:27I got it with a firm. I already knew this man managed it. We don't get necessities on here. well and how many times have you used this telescope i used it well we already got rid of it so how we got garage sale how much did you get for it so we bought so that's the thing so telescopes after we watched the movie i was like like as i'm sitting next to her i'm on a firm and i'm like no not enough i'm on amazon and i'm like all right i was like maybe we should get like a telescope because not only that i was like tell me we can don't act like i didn't tell her in my mind i was saying hey what if i get a fucking uh telescope so we can actually like go outside because you know where we live it's a little on the outskirts you don't have the light pollution you can actually see stars and i was like it'd be nice to get into it so that later whenever our daughter is old enough i can show her like hey look that's fucking you know whatever and so dude the moon well aside from the moon right um i was like it'd be a cool little hobby little science hobby to get into uh let's try it right so i was like i want to see saturn at least right because that's what the whole uh promotion was for that uh that telescope so whenever i uh i started apparently there's like a range right so there's like the cheap ones that are like 50 bucks and then there's like the really high-end ones i was like let me go with one that's like a little lower to mid-tier so the one that i got was worth like 200 and i used it maybe once it sat in our garage.

58:52It started with my eyes because I wear glasses, but how much did you sell it for? A hundred bucks. Really, the only thing I saw was how quickly 200 could turn into 100. Now, as far as I know, she made you sell it. You didn't even choose to sell it. She made you sell it. I mean, on the bright side, it was one of my least expensive hobbies because before I'd gotten into other like I got into the So we have a bunch of No reason What's F-A-S-A-F-W-T Safety baby So with that I got a You affirmed like a license? No dude I think your minimum payment is somewhere like 200 bucks a month on a firm currently Probably it's a little bit more than that Pull off your Amazon Someone pull off their Amazon He has And start a screen recording So with the Well yeah Amazon's a little

59:47Take a little peek at that. Don't expose everything in there, please. Oh, you're the safety guy and you got your safety test on a farm and then you failed it, so you have to do it again. Look, it was a hard test. Not everybody can pass it. It's the top of the top. Once I get that, it opens up a lot of doors. Yes. Hey, bro, you'd be surprised, man. Okay, we got an alarm clock because phones definitely don't do that. Exactly. It has to be for heavy. What? The 2021 MacBook Pro? Okay, that was for my mom. What? I didn't pay for that Phantom Academy Bullshit Oh cowboy boots Rubber boots They're work boots Running shoes I didn't need running shoes Nutslip helmet Bullshit You need it for work It's all work shit Soccer shin guards That's The alarm clock just got here Very ethnically correct This week Why Why I'm a heavy sleeper The phone alarms don't work I had to get them Put it across the room You dick It don't work It wakes them up It won't wake me up.

1:00:49It wakes me and my baby up. Then slap him. I do. It still wake me up. I want to kick him. I literally kick him with my feet. I slap him. I punch him. I basically die at night. In the morning, I'll try to wake up. That's essentially what happens. The firm just keeps going. This is insanity. You're going to be paying things forever. Roman Valley Ranch? La Raza Western Ware? Walmart? BCSP? BCSP was my test. Yeah, those ones were previous. But this is crazy. Yeah, the test you failed? Yeah. Okay. I'll buy one question. Diamond store? Yeah. What is this diamond store? So my daughter needed earrings.

1:01:26Needed. Well, she had earrings. I mean, she needed them. What the f*** are you talking about? They had to be real gold. They needed, she needed them for the holes to not close. The little holes on her ears. But she needed it to be real gold because otherwise she'll have an allergic reaction. Like it'll create like a bump in the back. Nothing else exists except for gold out there. Nothing. And gold's expensive right now. Well, yeah. I mean, it wasn't so expensive. Yeah, and we ended up getting a necklace, right? Or a bracelet or something. Yeah. I forgot what the fuck it was. Why? I don't know.

1:01:58Because I've never had one like that. You couldn't afford anything. You're also not even wearing it. I mean, we did have a credit card at that time. He said, oh, we're going to pay it off. Minimum to payment takes nine years to pay this off. Yeah, but I mean, it's... Minimum to payment only. And it's literally only$651.62. and minimum fee payment takes nine years to pay off. Minimum fee payment, 30 bucks. What the f*** are we doing? Before, we'll pay more when we can. We'll pay more when we can. Can never comes, though. Yeah. When never comes. 14 years for the Home Depot card. 14! Your child will be 16 years old.

1:02:33Passing that quinceanera. Mm-hmm. Well, okay. But my idea was That was racist The plan was Oh tell me you're not doing a quinceanera No What? No I'm just kidding I can't go outside in Austin without scene 5 Being done Really? Yes Go to any park and everyone's in dresses I mean I'll let her choose I didn't know those fucking people here dude Between a quinceanera or maybe going somewhere and that's it Well she's smart She'll go choice Yeah Mmhmm Promotional plans ending soon Yeah so look the idea was We're gonna get it and we're going to pay it off, paying more than the monthly minimum. What? We're going to pay it off?

1:03:18Oh, it ended. It ended at the time of filming. Oh, you just had$500 in deferred interest hit. That means this has gone up to about, oh,$1 ,000. I think the time period ends. $1 ,151. Minimum to payment now is probably like$60. What have we done? You didn't even know this, did you? I didn't even know it This ended two days ago You f***ed This ended two days ago Two days ago from filming Two days ago from filming Yeah, you made a minimum From filming The deferred interest all hit though

1:04:25What? It's time to be great

1:04:57ears pierced again, right? I mean, what are we doing here? This is absolutely crazy. I'd rather pay so that she doesn't go through that pain again. That was the kind of like thought process behind that. Thought process is now you just had$500 of deferred interest hit two days ago. Well, I didn't know about that. Now you do. This is insane. And now interest is accruing across the board on this as well. So the plan is to... Here he comes with a plan. Let's hear the plan. Please, plan guy, tell me. Tell me, Mr. Planner. All right. We're going to pay a little bit more. Oh, with what money? Buddy, you never have enough money in your checking account to make your minimum payments in the first two accounts we looked at.

1:05:37How does this plan work? Can you please define this plan for me and the strategy behind it? Well, with the second job that I'm now making more money in, now we're able to. More money comes with more spending. You just spent. Hey, I'm going to let you know. You guys were already making a killing compared to everyone else before. Okay, so. That wasn't the issue. Income's not your issue at this point. It's really not. But we also changed eating out as much. We also changed a couple habits. Yeah, we'll see because not in your statement, so I don't believe that. Listen, I'll let you use the Fizz card, debit card that builds credit, because at least it only lets you spend what's in your checking account.

1:06:07And you obviously cannot manage anything beyond that. It's clear as day. It's clear as day. I would say that I have a false sense of confidence that it's going to be paid better. And if you know it's a false sense, stop. I know. I also get whoever wants it, a course career certification, in whatever field you're in. So you can also look to get an even bigger increase raised whenever those come. So I'll get you one of those.

1:06:34This is moronic. This is so stupid. So stupid. You made progress going down from$1 ,441 down to that$600, and now it's up to$1 ,151.62 because you allowed the deferred interest to hit two days ago. What a joke. all while spending enough on bulls**t to have paid that off in a month. Well, the way I see it was... How do you see it? I didn't get... I wasn't aware of that. You can look at a statement, dick. Yeah, but I wasn't aware of that. And I don't look at statements as much. As much did you ever? Who really opens f**king statements? If you are the one trying to fix your financial situation, the answer would be you.

1:07:17Well, yeah, but I didn't look at them before. So, because I had, in my mind... Before, literally, you said you're getting so much better. Before, it could have been a few weeks ago, and you would have known this exact thing. I'll be the first one to tell you I don't look at the statements. Dude, if I just sat down, we didn't even have a conversation, and I went through these statements to get all the top pieces of information, I could do it in 10 minutes. Let's say because I've done that a little more frequently, I can do it quick. You could have done it in 30. All of these statements. It's not difficult to at least see.

1:07:46Is there a deferred interest? Are there late payments? What's the balance in here? Are we above the limit? Are we making our minimum payments on time? All this s*** is so easy. So easy. This would have taken you such a limited time. But you don't know what you don't know. So it's super easy. How do I know what to learn if I don't know to learn it? The statements. It's as easy as day. I don't look at it. No, exactly. But that's when you would have learned. You know they exist. I wouldn't have learned it if I didn't look at it. I don't understand your logic. Can you translate for him? I can barely understand them.

1:08:18And this is our arguments all the time. All the time. How frequently? Almost every other day. Really? Yeah. Every other day. No, we still have it every day. And are they productive? Yes.

1:08:39It depends. On? If we have the money or if he wants to listen. If he wants to listen? Yeah. because then he continues with like, but this, but that, but this and this and that. And I'm like, okay, I don't want to hear it. That's what you're doing in this conversation. I don't want to hear it. Okay, shut up. Bye. Okay, look, in my defense. Oh, here we go. Okay, in my defense, we have a greater capacity to start paying off now. So it's not that I'm saying, okay, let's continue our bad habits. We realize, okay, we fucked it up. But at least, you know, we're. them. You just hit your fruit and just hit.

1:09:20You can't make a progress towards a situation that you don't even know the situation. No, but you can't make progress towards a situation if you don't even know the situation. You can't. That doesn't make any sense. How can you tell me you're going to make progress towards it if you don't even know what's happening? That's why we're here. We don't f***ing know what's happening. But you said that was your plan. Well. You did say that, though. You did say that, though. And speaking of plans, late fee immediately this month on the Discover It. What's up with the Discover It card? Honestly, I'd have to say the same thing, dude, because I thought I made a payment on that.

1:09:55It's on auto pay. You probably did. And didn't have enough money. Probably. But in my mind, like, I set the auto pay on, or I'll pay it. I'll go into the app, pay it. You're above the limit. You're above the limit.

1:10:15You have a child Slightly, how much am I above the limit? $16.13, that's horrible You weren't above it last month, you've gone above it Yeah, but I didn't $35 minimum repayment,$516.13 balance Yeah, credit score's in the 500s, that's insane 19 months to pay off if you make your minimum repayments, which you don't Late fee, yep, there it is It's a late fee, it's a return check fee specifically

1:10:43it's the only one this year on this card surprisingly enough and what is it for? well gas that's okay but you did a grab a bite grill grab a bite grill McDonald's and grab a bite grill and I wouldn't put gas on a card that you can't pay off or even make a minimum payment on anyway I would put it on a debit card yeah honestly I don't even know what the grabbing bite grab a bite grill is I do not know you're the one who goes out to me three times it's$2.67 $2.10 $8.52 Those are different days? A little gas station? Yeah No No I think it was whenever I'd pick up our daughter I'd buy her like an apple juice On the way to pick her up I'd stop by the gas station And buy her apple juice Why don't you guys just pre-stock Per serving on a better basis Apple juice at home?

1:11:29I know So we do But then I forget to take it Because I'm rushing out at 2 in the morning You know? So like I don't Okay I would say You didn't just get apple juice though So you got yourself something and then you got yourself something more. Yeah. Well, sometimes. What'd you get? Didn't always. What do you get? What do I get? Yeah. Like drinks or what? Yeah. You stop at the gas station and you get shit. I'll get like a fucking Dr. Pepper or whatever. That makes no sense. I don't understand that. You're drinking an energy drink right now. Take this free sample here. Taking up the free samples of this.

1:12:00This is Gamer Sub specifically. These are energy drink powders. Just like you should make your coffee at home instead of going in Starbucks and spending like$5 of coffee. Get that. Make that. It is 25 cents a serving. 25 cents a serving, almost endless flavors. Get yours 10 % off. Link in the description below. 25 cents a serving. Make your energy drink at home. It tastes better and it's more convenient. You just take it and you can have unlimited amounts. Get your free samples also by typing in code Caleb on the site. Link in the description below and you can see what flavors you like. And then at that point, you can figure out which one to get.

1:12:31No more buying coffee out. No more buying energy drinks out. I like coffee. I do too. So I make good coffee. I do too. So I make good coffee. The coffee feed here. So all you do, good, make coffee at home. Make your energy drink at home. It's better. It tastes good and it's cheaper and it's affordable. Yes. No. Then you make coffee. No. No. No. I've tried. I even look at TikTok videos, YouTube videos. It tastes water down. Because you can't do coffee. Nothing. Coffee is not difficult. No. No, no. You're broken. I like lattes. I make a latte every morning. Okay, then make me one and see if it tastes good.

1:13:09Okay. Okay. Who's one of our latte makers here in the office? Who's always making a latte?

1:13:17Make me a latte. Can Josh make her a latte? She likes those really bougie lattes with a little powder. Well, I don't think we don't have ice in the office. So you're going to have a hot one and you're going to determine if it's good. Okay. This is with a Breville. It's an investment up front. Yes, but it saves you so much money over time. So we'll get Josh He's also Mexican So you guys feel right at home It's a Mexican coffee automatic Yes Dude she So we bought her Every employee I have is Mexican these days I don't know what's happening Yeah taking over Dude we bought her an espresso machine So she can make it Espresso What?

1:13:53That's everything You just have to get good beans And you gotta dial it I have tried Oh it's better Oh you were just a con Look I bought it Lily's coffee Lily's coffee is so good That thing tastes so creamy and sweet Oh my god I recommend it in Willis, Texas. What do you like flavor-wise? Either hazelnut or vanilla. Pick one because that's what we have here. Vanilla. Okay, can we do vanilla, Lindsay? You see, you failed. Well, you get what you need at home, you tit. I don't know. She's picking with her coffee. Energy drinks at home. Coffee at home. I don't want to f***ing hear it. Coffee out. Camera stops that, Gigi.

1:14:32He he he. I can't afford to take care of my kid. He he he. It does add up, the coffee. It does. Yes, objectively. Coffee out is not cheap. That was the whole point of getting the espresso machine so she could make it at home, but she continues to go to that coffee shop. Because, okay, they make good coffee. I get it. They do. But it's cheaper to just do it at home. We have all the ingredients. She even has all the syrups. Me and my girlfriend, one of our favorite things to do is to go either get brunch or coffee every Saturday and Sunday. I can afford it. It's in my budget. I get it. It's fun.

1:15:01It's nice to be in a new environment, trying a new little drink. I get it. It's nice. You can't afford it. You can barely keep the roof over your head. You guys are late on almost every payment, and you're over maxed out. No, no. You guys are together or not. Choose. I'd say together. We were not in the beginning. But are you today? We have caramel. Is that okay? You like caramel? Yes. Mexicans love caramel. You guys put caramel on everything. Tres leches, all caramel. It's just like, come on. You're always putting caramel, even though it's so sweet milk. And I love it. I mean, don't get me wrong.

1:15:28It's actually like my favorite dessert. Tres Leches, f*** me up. I love it. It makes me f***. It's great. I know. Quicksilver one, what's going on with this? Which one? Mine? Okay. Yes, they're all yours. Okay, those are mine. Great. So those are like my everyday bulls*** cards. And why are you allowed to have everyday bulls***? I know. That's the bad part. So it was for food, gas, s*** like that. Okay. Well, first of all, gas isn't bull****, but I wouldn't be putting it on a credit card that you can't pay off that is accruing interest. And you spend 80 bucks, 12 cents. Interest is accruing. It's over the limit.

1:16:07It's over the limit. You hit three. He's three over the limit so far. Three! By$4. It's over the limit. But I made the payment to get it under the limit. No, no. You did at the start of the month, and then you went over by the end again after interest hit. 18 months to pay this off. Walking the line. No, it's stupid. You're getting Peacock. So we canceled that. Well, you should because what's the point of Peacock? That's what I said. I know. He doesn't even watch it. It's just there. I watch The Office. No, you don't. I did like three times and then I canceled it. There you go. But it was one of those things.

1:16:44You went to the gas station. You got an energy drink. It was a drink. There it is right there. $2.37. $0.25 at home, ladies and gentlemen. Link in the description. This is insane. El Tricon Row Tex Tricon Row Tricon Row I think that's a restaurant 43 bucks Oh yeah it's a restaurant El El 3 Prime Video Now that's better But even still You probably can't afford it YouTube's free anyway Then you went into H-E-B And got some bullshit Because I highly doubt That it's groceries I'll be completely honest No H-E-B is Like our go-to groceries Whoa Peacock is trash As a former NBC employee, I can say it.

1:17:23You can legally say that? I don't work there. It's trash. You didn't sign a contract? Well, that was the Quicksilver. You have two Quicksilvers? No, no, no. It's a Quicksilver and then a Platinum. But they're both basically the same. Not over the limit. You're at the limit. $281.98. Minimum fee payment,$25 again. What's going on with this card? It's the same thing, dude. Why? Why are you doing this? What's the point? Whenever there's not enough money in the debit account, because we got bills, whatever, that's like the backup. And then there's a backup to the backup. Well, that's what I told him when he started opening these.

1:18:00I'm like, why are you opening more? Why are you adding more? Originally, it was, hey, we need to get some credit cards to build credit and build that credit history. And then we did good for a while. And then it went whenever we really got into it. It was a f***ing Whataburger parking, Fiesta Bar, and catering. Something, maybe it's a vending machine or purchasing something to work. I don't know. Yeah, it's like a vending machine. And then Home Depot, not even on the Home Depot card. You just couldn't stay away. Guilty pleasure. It's like, it's the golden arches to you. Want to know a dirty little secret?

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1:19:09Dude, they got a lot of f***ing good deals. But the thing is, every time I go... I'm wanting things you don't need. Every time I go, it's for something we need, like an air filter. We need to replace this and that. We need to replace. We need salt for the water softeners. Like shit like that. You don't need the soft water, though. We do, bro. We do. Is that bad? It's fucking bad. I'll accept that one. Listen, but even still, you're just endlessly finding excuses to spend money in Home Depot, and I love Home Depot. Better than flows. Of course. And I love Home Depot. It's great. But again, I just budget it out, and I don't go there when I don't need to, But every time I do, I'm like, oh, yay.

1:19:45This is you guys. This is your future. Yeah. What do you think? How's your feeling? Lied to and just feel like we're in a big hole right now that it's going to take us years to get out of, which I never wanted to end up in. So that's why I kept asking you, hey, make sure we make our payments. What are we all? And it was part of the communication. This is the reason why we're also in therapy is because of this. Everything just went. Would you guys just blow up on each other in therapy? Yeah Well she blows up on me And then I'll like try to defend myself That's kind of how that usually goes With the defending himself With the payments And then my therapist is like How did you feel?

1:20:30Well because it's a lot of like rage and anger Towards him not telling me anything Communication And also just It wasn't that I was intentionally hiding anything from you It was that I didn't want her to have that additional stress I'd rather carry the burden myself Try to figure it the f*** out I tried to figure it the f*** out And do what I could to keep things going And essentially keep You know what they say Keep her kind of blindly happy Right? So it was bad Well look how it turned out I know now So why try to defend? I wanted She already had a lot of Wanted now I know Well now we're working on it as a team But you try to defend I guess it's just It's hard to accept that You know Made some mistakes along the way But There is that good intention Of trying to get shit back in line Which is why we're taking that big step here But you also had to During that whole entire time You should have thought about Okay She's Her names are also On certain things with me I f*** up, her credit f***s up We're both f***ed And that's something that I always brought up to you You f*** is gonna f*** me up too So then we're both going down It's a teamwork thing So we both work to go up not down Yeah I know, that's why So like we, all the major things Like the car, the house That we're both on, I try to keep that Like front and center But we still kind of, cause those are the biggest payments Well tell me, what's this main financial?

1:22:05Cause it's chunky The main financial, we took out that loan because at that time, she was between jobs. Is this a survival loan? It was a survival loan. While you were making$75 ,000 a year at your lowest? Yeah. What a joke. It was a survival loan because she didn't have a job. Dude, you were making literally just above the median household income. But we were already in a fucking hole. So in order to survive and continue to keep everything from getting, like, repossessed, we had to get a survival loan. I said, okay, we're going to get this loan until you get a job, and then you can help me pay it.

1:22:39That was the idea. She got a good job, but it didn't work out. She lasted, like, two weeks and then quit, you know? Yeah, because they wanted me from 6 a.m. to 6 p.m., and my daughter's daycare is about—they open at 6.30 a.m. Do a different daycare? I was already comfortable with that daycare Yeah, in the Houston Woodland Sugarland Metropolitan Area Median household income is$80 ,000 You're just five under that With one income Temporarily So you borrow this at a 27.74 % interest rate You owe$8 ,916.74 With a minimum payment of$2.8967 Then you think that helps you? It did at the time It helped us cover like two months worth of bills She's letting some credit card payments not get paid.

1:23:30You're already doing that anyway. I know, but at the time we were in good standing. So we're like, all right, let's try to keep it in good standing until you can make more money to kind of help out. Because like truth be told. So we borrow a 30 % loan though? I know, bad call. But it was for the sake of trying to survive the next few months until she got a job and then she could help me pay. Right? So the idea was we're going to take a step back to take two steps forward. So that was kind of the thought process behind that. And we justified it as we need this in order to keep everything in check.

1:24:07Okay. And then PCI. What's this? So PCI is a water softener system. We got f***ed on that one. It's because we do need it. How'd you get f***ed? Because it's expensive. But it was... Okay. But how'd you get f***ed? It's expensive. That's it. What a new ice cycle. It was, yeah. So basically, I haven't gone shopping for a water softener. Apparently there's cheaper ones. I don't know how good they are. Yeah, and that's what I was going to ask. So what the f*** is wrong with you? This takes 11 years to pay off. 11 years to pay off your water softener with minimum payments. $125.41 is your minimum monthly, but you owe$8 ,399 or$8 ,833.77.

1:24:49with interest charging$90.40 a month. It was a combination of the water softener system, the water filtration system for like the, what do they call it? A little tap for like water. Are you guys on well? It's not well, but it's like the city water and the city water is shit, dude. Like it was causing her hair to fall out. My daughter's hair to fall off. And literally when you came out the shower, you smell like coming out of the pool. It was like itchy and shit. And then sometimes the water for the neighborhood will come out brown. Yeah, it's fucking gross. And people would be complaining and would be like, oh, we have a water system.

1:25:20So we have a water filter system. And then. I'm not opposed to it. You just probably rushed in, didn't do your research and got some debt you couldn't afford. I mean, we did get some free. The lady was very convincing. Well, here we go. Can you make a coffee at home? Wait, wait, wait. Josh, Josh, Josh, wait. Wait, wait, wait. Wait, wait, wait. Wait, wait, wait, wait. Wait, wait, wait, wait. Wait, wait, wait, wait. Wait, wait, wait, wait.

1:26:09Dingen talking?

1:26:15You're doing so good. Are you doing good? Thank you. Hey. Please, give us a full review. She said she can't make coffee at home with her own espresso machine. Her own espresso machine, she can't make coffee at home. She does. Yeah, but it's like$50 from Walmart. And she has to go to the coffee shop. It's like$50 from Walmart. It still works. No. Take a little sippy. but it's all the foam up there Sippy!

1:26:53I like it aww I like sweetness no give give give give what I'm gonna have the other side yeah we'll take a sip I'm gonna have the other side give give give give give give give where do you go to get your coffee? Lily's Lily's coffee Lily's coffee well first of all you gotta get to the coffee That's what I was trying to get to, but it's not sweet enough, though. This is... I don't think latte is supposed to be sweet. Well, she's getting like candy coffee. Yeah, she's getting like candy. She gets like... This is nice. This is good. The cocoa powder on top and shit. Dude, that's wonderful. Why are you giving it bad?

1:27:32You're saliva's all over right now. I need to take a sip from the other side. Dude, get in there. Enjoy what you got. This is wonderful. What about a cig and I was coming up with something? This is actually really good coffee. Really good. Shout out Medici beans. Yes, Medici. See, what we do is we get the beans from the coffee shop we like, and we make the coffee. It's as easy as that. It's cheaper. But if you like it, sweetheart. Now, mind you, I did a little bit of syrup. You can always add more. You can always add more. You can add other creamers. Come on. You just need to go and try it. That's all I'm going to say.

1:28:00It's because the thing is, she knocked that place in. You got to talk to her, killer. All right. Thank you, Josh. Thank you.

1:28:09You know, I used to dance for Florico. What'd you call me? Say it to my face. Fuck my what? Come on, you can make coffee at home. Just add more sweetness. Get their syrup. Figure out what syrup they have and get it. It's from like India or something. It's from like some place. Like foreign. She imports it. India loves to send things. Oh, yeah. Okay. We'll do my best. Mostly people. Especially engineers. We'll do my best. But just get them. Just get some. Come on. Okay. We'll try my best, okay? No promises. Making progress. Okay. Well, you've had a late fee on this. Yeah. Pretty much. But again, that one's...

1:28:56$718.26 of interest this year. Yeah. Medical bills. The medical bills are crazy. Didn't send any statements, but she told Colton Yeo about$14 ,000. Yeah. Birth? Birth. Um, also like, you know, obviously since after we had our daughter, um, and you know, she quit her job, my daughter got, she got sick and then she got sick. And every time we'd go to the emergency room, it's like fucking. What's your insurance situation? So my insurance situation is I have, you know, full health insurance. Are they on it? And so and everything. She's not on it. Cause we're not married. You're not married. No. Get married.

1:29:32We're sinners. But just get married. Just get married. That's what I told her. What if I'm about to leave him? Are you? No. Get married. There's extra legal protections that come with it, tax benefits, a lot of stuff. There's no reason not to. Legally on the phone. Get legally married. Last year, we did report as married filing jointly. So I guess tax-wise, we're married, but we haven't gone to court is what I'm saying. We haven't gone to get this marriage certificate, and that's what they asked for for the insurance. I have my daughter on my insurance, but I don't have her on my insurance. Wait, but you got a refund from your deductible after giving birth, but you spent it instead.

1:30:09To me, it was a check, and I was like, okay. Do you have a minimum monthly payment on this medical debt? Have you negotiated? No, we haven't started. Just negotiate. Get on a minimum. Well, we're trying to catch up on everything else first, and then we'll worry about that. Okay, Chase Auto. Great. Oh! Yeah, that dude. You received your last scheduled payment in full. Ah! Amount due$3 ,011? No! That's too much. The payment is$1 ,455 ,057. What is this car? What is this possibly car? What is this? Why is this? This is, I think it's the second highest payment I've ever seen in the history of this.

1:30:46I'm sure I think$2 ,000 was the top. What are you doing? What do you have? Paul. Okay. Okay. So it's a 2023 Jeep Grand Cherokee. Tell them how it all starts. This is how. Cherokee for$1 ,500 a month? Okay. Listen. Why? Why? It's a long story. It's a long story. There is a story to this. All right. Listen to this. Oh! Tell me, you c***. You're getting fees added at a 14.18 % interest rate as well. Oh! Principal balance,$64 ,378.09. Why? He's got some vocals. Explain. So, I mean, sorry. That's okay. It's believed. All right. So essentially what happened was when we first got together, I had a f***ed up truck that was in the shop.

1:31:37Right. I was borrowing a truck. And I had mine. I had a Silverado and it was fully paid off. But it was a piece of s***. Right. Okay. Get to it. Why did you have to get a Grand Cherokee? After that truck, after the Silverado, I was like, I need a new truck for work. Has to be a truck because I haul s*** sometimes. So I got a 2015 Dodge Ram, whatever. It was like 20K. We love it. Okay. Okay. 20k um a couple months later the engine f***ed up transmission f***ed up everything f***ed up that truck went f***ed up when I called the insurance I'm like hey man because since it's a used vehicle they gave it to me as is whatever from dealership so they were like hey we're not covering anything you don't have warranty on it so call your insurance I called my insurance asked me two questions did you hit something no yeah it's insurance did you fucking did something hit you and I was like no they're like all right well you look yeah I agree so all right I didn't know that.

1:32:28I thought they f***ing covered anything. Insurance? Yeah, dude. If it has full coverage, if it has full coverage, you would expect it to be coverage for the f***ing truck. Okay, point is after that truck, I took it to the dealership to figure out what the f*** was wrong with it. It was the engine, transmission, some other s*** was wrong with it. And so they're like, yeah man, they basically sold you a lemon. Like, it f***ing sucks. This is why I like having a car that doesn't have an engine, transmission, or any of that s***. Continue. But anyways, after that, I was like, okay, so what are my options?

1:33:01They're like, well, you can pay the repairs. It's like 15 grand. They're like, or, you know, you can trade it in. And I was like, well, 20 on it. I was like, I'm not, I'm basically super upside down on it at this point because the truck is worth like a thousand bucks for junk. So they were like, you can get traded in. You rolled over negative equity. I rolled over negative equity. What's the truck worth? Oh, I have it. What do you think it's worth? The Jeep Grand Cherokee? It's worth like 28K now. It's worth$27 ,000. You owe$64 ,378. 15 % interest rate,$1 ,455. And you're behind. Yep. What the f*** are we doing?

1:33:38And then what's this? Is this another car? 2024 something? No, no, that's the RV. That's the RV. So tell me about this RV. So the RV was an agreement that I made with my mom because she was helping us out. So then she's all like, hey, by the way, I'm going to be, you know, roaming around, I guess, the U.S. or something. She was like, I need an RV so that I can live in whatever. She was using it to live in because she has a she has like a whole ranch in Mexico. So she'll come when she comes here. She'll stay in that RV and then go back to back and forth from Mexico to here. So you took out an 11 percent debt for her with a minimum payment of$541.86.

1:34:16The idea was originally she's like, you know, let's buy it. We'll go, you know, I'll pay you on it. And then it'll just be on your credit, but she'll pay it. What ended up happening was she had a little truck, like hand-me-down truck. And she's all like, I'll give you my truck and you take over the payments. And I was like, all right, cool. So we took that truck and we sold it to have more money to kind of keep us afloat when she wasn't working. And then I ended up taking over the payments for the RV. So now we owe the RV. What is wrong with you? This is ridiculous. Bad plan. You owe$21 ,543.66 on it.

1:34:55Repo it. Well, she still lives in it. Then no. Oh, where is it? You got to tell her to get out of it and get it back in. You got to tell her she can't live in it. And you got to volunteer repo. So do I have to evict her? Do I evict her? Kind of. Kind of, yeah. Yeah. Put her in hotels when she visits. It's cheaper to do that every once in a while. She kind of lives on both. She stays here for like two, three months and then goes back for like a month. She can't live at home with you guys when she's here? No. Be a grandparent. She's a free spirit. She's a... Energy. So young. You remember that lady I had on here with the energies and the tarot cards and shit?

1:35:39I think so. That's basically her. I could have been... It's almost like I was watching my mom. And yet you trusted to go into debt for that person? Well, she helped us out a lot. She did help us out a lot. In what way? Financially? She helped us pay for my daughter's daycare when we didn't have enough. She would pay us like half the payment or something. Yeah, but that doesn't mean going to a debt. Maybe offer to put money down or something. But like also whenever we're trying to get - You've had late charges, of course. Oh, for fuck's sake. Yeah. Let's keep going because my guts. Okay, Mr. Cooper, this is a mortgage.

1:36:07Yes. Oi, oi, oi. See, it's cheaper than the apartment. Yes, but if I want apartment shopping for you, I guarantee I could find something cheaper. Yeah, but is it nice? In a bad place. Potentially. No. No. Shut the f*** up. Dude, we're f***ing up. In the entire Houston area? Yes. Dude. No. I have no housing. Oh, really? Yes.

1:36:36You're so ugly. Shut up. It's worth more than that now. We got the valuation estimate. Valuation via who? Mr. Cooper. No, I have Mr. Cooper as well. No, I don't care about that. This is Mark. Okay, so you owe a total of... 210 or something. What the f*** is the balance? Last night, 7%, right? Don't love that. Oh, here we go. 218 ,000... Is it 7 %? Dude, I thought it was 675. Dude, round it up by a percentage. A 0.1 percentage gets it in 7. I mean, it does, but yeah, $218 ,741.89. Minimum monthly payment, which by the way, as the rent can go up and down, this will only ever go up because property taxes will only ever go up.

1:37:30$1 ,766.21. And you could refinance to a lower rate. So we did the homestead exemption. Okay, so yeah, if you sold it today, I mean, you have an equity position of about$5 ,000. If you sold it today, you'd lose money. So this is not great. Easy as that That's today But what about like in March Whenever the new year comes in You see what I'm saying Because they're building a bunch of shit nearby They're building shit everywhere Every metro region in Texas is growing and building That means Therefore we can only win Therefore that is not true You literally would have to write a check for about 10 ,000 hours If you closed this today If you sold it today you would have to write a check for 10 ,000 hours It has gone down in value

1:38:12since yeah middle of this year it's gone up at the beginning of the year now it's gone down this is a really stupid thing to do guys really stupid thing to do I don't think so we're a pretty nice house objectively yes it's fine it's a small little ranch house definitely on the far edge of Houston the far far edge yeah it's all the way the middle of nowhere Yeah, which is extra stupid because there's no work there. Makes no sense. Yeah. Well, remember, with the rent that is comparable to this in civilization, comes with jobs that pay money that you're close to. Okay, student loans. Who got the student loans?

1:38:57He did. I did. So she... I was able to pay money. She was able... You finished yours? Well, I finished school without having getting any loans. Oh, okay. What did you do? I got loans. For what? I got loans for my degree. I have a bachelor's in safety management. There you go. So I got a bachelor's. That was it. Yeah, that's good. Basically. I mean, it could have been paid off if you didn't have to pay somebody. I mean, it's fine. You got a good return on investment. You make good money. I'm not complaining about this. Yeah. And it's federal student loans anyway. It was kind of a stupid thing because I could have paid my college.

1:39:29Could if you didn't, whatever. $26 ,827.71. cents. Your payment plans are... Oh, regular is$187.36. Yeah, something like that. Okay. And it's federal, so I'm not freaking out about it. Minimum to payment until it's paid off. I think it's all subsidized, right? All the subsidized student loans? You might have some unsubsidized. Let's see. I don't even know, dude. I can't. This statement's not great, so I don't know. Okay, either way. Is there seriously more? No, what is this? Is there more? No, dude, that's my 401k. I was standing low balance. Yeah, so I had a loan for my 401k. So, again, it was a survival.

1:40:14No, the deposit that I deposited in the check is like 50 bucks. Well, it gets deducted from the balance. Yes, it would be called due, and then everything you've been growing will get... It's so stupid. I mean, I have more in there than 1 ,000. First of all, what it's worth, you've probably borrowed close to everything you've put in outside of employee contributions. You can't borrow from employee contributions. But the debt is$1 ,227.36. Retirement accounts are almost$5. Just under$5.

1:40:52Risky. The cool thing, yes. I was going to say, in addition to that, we also have, I guess part of the company, is the employee stock stuff. Checking accounts are negative$9.30. Which one's that one? Negative$0.30. Negative$9.30. I couldn't see it on my glasses. That's our junk account? Yeah. Oh, that's when... I took over the finances, she said. Oh, you took out a hardship loan less than two weeks ago for$700, so that's not listed. On your 401k? Yeah. We needed to make the payment so we didn't go late. My whole thing was I don't want to go 30 days late on the car payment. So we took it out. No, you took it out for the RV.

1:41:33Oh, yeah, the RV. Because you're behind on the RV. That's right. That's what that was. And then we were behind on the RV. The possession would barely even help you on the Cherokee because they wouldn't be able to sell it for much. Exactly. That's insane. Okay. And then negative on this checking account. She didn't even know this. She took over the... And since we're negative, we're getting Chick-fil-A, Shipley Donuts. There it is. There's a fee. There's a feeble. Nothing bunk cake. Nothing bunk cake. Pizza Hut. Food truck. Oh, that's from my daughter. El Tree. McDonald's. McDonald's. Went in the bullsh** store and got some bullsh**.

1:42:05Ariana's Bakery. We have firm. Made in a firm payment. Grill. Egg up grill. Eggs up grill. Lily. Parking. Little A. Okay. Affirm. Affirm. ATM withdraw. Who knows where the f**k that went. Tacos o toro. Oishi sushi. Eggie barbecue joints. Zelling our money. It's all bullsh**. Check in the box. We have a child. This is disgusting. You're not getting me in checking account. What a joke. But a Monica Affirm, retrying payment on something. Great. That's wonderful for your Home Depot card. Something, you got something there at a plaza, sawdust, restaurant, Starbucks, premier catering again, whatever that is, little Monica, $20 to, oh, easy tag, you're taking tolls, Affirm, going in and getting some bulls**t from the gas station again, GamerSupps cheaper, 25 cents a serving, and it tastes better, I promise.

1:42:52When it feels chocolate, you can make yourself one of those servings, take it, dude, they're free. What a joke Overdrafts up the dick Just stupid stupid Bullshit dumb I don't even know Let's just see if this is even possible Because that's the big question at this point I mean So we did eat out a lot Before Oh did you Before Shut the fuck up No I don't want to hear it This is what This just happened Total income is good 9 ,923 Minimum monthly debt payments Let's get this Oh you don't have any You guys What did you put down on the house? It was not much. It was like 8K or something. Okay. Three.

1:43:30So, so far you're underwater actually on the house. Okay. Minimum fee payments outside of mortgage is$3 ,025.87. When did you get the house? July of 23. Oh, fuck. You guys are fucked. Okay. And your mortgage,$1 ,766.21. Gas, electric, utilities, internet, all that combined about how much? I know it fluctuates, but. Like utilities? Utilities and internet all combined. How much? Probably like, what, 400 bucks maybe? Okay, 400 bucks. Phone bill? Just 90. Whatever you pay. Yeah, 60. 60, that's not bad. It's something like helium. Yeah. Okay, that's good. We like helium, 15 bucks a line for the T-Mobile service.

1:44:12We like that. Transportation. Okay, so gas from Drive Drive. About almost$80. A month? No, a week. I'm sorry. I was thinking a week so$3.20 a month yeah car insurances we pay $1.25 is it$1.25? yeah yeah$1.25 okay groceries we should be able to do for the two year old two year old's off the tit right I think no two year old's on the tit bro shit no you're saying tit's food she eats food milk and food yeah we have to buy for three oh my gosh $700 should be fine I was gonna say less that's a lot $200. Oh, yeah. $600 for groceries should be fine. I was being generous. $600. Okay. TP, fund, anything else you need to survive.

1:44:56Tampons, toilet paper, all the good stuff. Toothpaste, things for the kid. That's what you got. Diapers, blah, blah, blah, blah, blah. $200. Actually, I'll say$250. $250. Medical healthcare. Any copays on a monthly basis? $1 ,250 because that fee. Okay,$1 ,250. Subscriptions. Let's see if I can budget in$25 even. Do you have any pets? You mentioned pets before. What do we have? We had a shit. But now we're down to just a turtle, a f***ing immortal Mexican chihuahua, and a cat. Yes. What's the cat age in the house? He's like four or five months. Yeah. Oh. So he's, yeah. Okay, pet insurance on the cat, 50 bucks.

1:45:33How much for pet food and pet maintenance on a monthly basis? What, 50 bucks maybe? Okay. Anything else that needs to be in your budget that I have not taken into account? Mm-mm. Okay. Man, this is all love. Did you include the RV payment? Yeah, that's in the debt. Because we missed that. Like last time. We did a whole plan and forgot. But you didn't mention it. It's your consistent plans. They're always so planned. Okay, I mean, you guys have room. 700, 7 ,000. Because you guys have an incredible income. Again, this was not an income issue. This is not an income issue. Even before you got this new job, it is not an income issue.

1:46:08You got an extra$2 ,000 a month. I'm going to give you$500 in fun so that you can maintain the situation. Let's call it$1 ,500 left a month, okay? $500 of fun gets you some good shit. And I don't oftentimes get the chance to do that. So$357 ,085.52 total of debt. Let's minus the mortgage of$218 ,741.89. And also minus the student loans of$26 ,931.45. brings us to a total debt of$111 ,412,$412.18, a bad, bad, bad, bad, bad, bad debt. $1 ,500 a month, pay us off in 72 months. It's chunky, but six years? No, I don't think you have to do bankruptcy because we're giving you a good fund budget. You're able to maintain.

1:47:02You're working a lot. You're getting pay raises. Once you're able to take up more shifts of work, you do. And obviously by this time, the kid will be in elementary school well before this is finished. halfway into this process. So your income will be substantially boosted. I think you guys pay it off in five years. Sassy Black Oman was incorrect. I don't think you need to do bankruptcy. She did make me think. Sassy White Boy says no. Sassy White Boy says no. I think five years to pay this off and it's not that bad, guys. It's not that bad. It was really funny though. And then you get a fully funded emergency fund and then we really need to catch back up on retirement.

1:47:33I think we do, for a little bit at least, 50 % on needs, 25 % the fund, which is a substantial amount of money, the income you guys have, and 25 % to catch up in retirement. Okay, joined us in the post show. Colton saying we got some juicy stuff to talk about. I don't know what it is yet, but let's get the Hammer Financial Score first. Spending in a budget. You actually technically underspent on this last month, but you also weren't putting your money towards debt because payments were failing and you were over-drafting. It didn't make sense. So it's still with the over-draf, 0 out of 10. Debt, it's horrendous.

1:48:03I mean, just straight up, it's horrendous. There's no collections or IRS debt, so 1 out of 10. but uh emergency fund soon the debt will be 0 out of 10 months medical goes to collections emergency fund there's nothing 0 out of 10 retirement you withdrew you borrowed against 401k loan okay at least there's I'll give a 1 out of 10 out of generous real estate it's not gonna be great at least you're in the market but you would lose money today you haven't you've lost money since you put it in and you've only put more money into the house anyway with the spending you've done 3 out of 10

1:48:35Hammer Financial Square Yeah, one out of 10. That was right. One out of 10. Guys, click that join button. Get three premium shows posted every single day, Monday through Friday, and Hammerly, including an extra 20 minutes of every financial audit episode, including this episode where we got some really juicy stuff to talk about. I'll see you guys there. Bye-bye. But apparently, since you submitted documents to come on the show, you've built up balances on your credit card. Miss in charge of our finances. Capital One, Carter's, TJ Maxx, Firm, what the f***? Hammer Elite is the best YouTube membership on the platform, and I just upgraded it.

1:49:09Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

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