Financial Audit’s Most Toxic Guest

34:17Your wife. He does not see my credit card balances. Why? He's not on them. I mean, I just... Yeah, but why don't you guys go over statements or again, have a joint account on like the budgeting app? We have a joint banking account and a joint savings account, but we just don't. Like, he has his separate credit cards. I have my separate credit cards. Why don't we come together, though, guys? I'm trying to figure that out on a monthly basis. Why don't we come together and talk about what our accounts are doing? Why don't we see what the house is spending on? Spending. You know where the money's fucking going?

34:46I just don't. I truly just don't think I have the discipline. Like, I just wasn't doing it. I would literally sit down and I would be like, we have this much money and credit card debt because we keep spending on credit cards. We, you. Me. And then... Okay, he's like a willing participant. Can I just say that? Well, then tell me because I need to know. I'm not like holding him hostage with like a gun to his head. Then tell me how this participant is willing. Because I can... Like on this card, for example, in July we went to... There's like a lake by where we live. And we got... It's super cheap then.

35:25it was like three hundred dollars for a three-night stay you why don't you commute there on a daily basis if it's near where you live what the fuck are you doing we ended up getting a cabin there for like the whole family was staying out there so we all stayed out there he knew that i was spending money on it so like he it's not like i spend money and hide it and then don't tell him like he knows that it happens so and also like i'm pretty sure there's another credit one that she has it she didn't send i'm pretty sure she didn't send it what yeah they already have a thousand trillion to go through yeah there's a there's two credit one cards it's another credit one yes oh is it on your phone yes oh can i see it i know you like free things and i'm giving some things away for free right now and let me show you how to get it first i'm giving you a limited edition financial audit tumbler plus a 30-day trial of simpler budget premium to new users when you buy my four-class bundle.

36:27And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries, you'll still get access to that 30-day simpler budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd, so this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future or don't. And you can end up right here. Oh, for f***s sake.

37:05Okay,$56 minimum monthly payment on this one. What are we even doing with an annual fee of$39 that just keeps happening? Then you're going to get your monthly fees and bullshit. Interest accruing, yeah,$75 this year so far. basically 30 % interest. If I just had no morals, man, I should have just been a credit card company. I should have just made the worst pedatory credit cards and sent them to people's houses because the whole baby of words can works. People don't give a shit. Like, oh, I nutted in you. You're about to create an expensive living thing that I need to take care of. I better go max out on my worst credit cards ever created in the history of the world.

37:44Yeah. did we even plan was this a plan the baby yeah we did try for him yes no preparation at all honestly not really no what about the kids i grew up in a house where it was a struggle after struggle after struggle financially for the longest time it wasn't bad in terms of like a bad place to live or anything like that my parents went into death to get us like to show that to put on a show of a good lifestyle but man i saw them stress and it is not the place you want to put them there it was not the place you want to put the kid but uh yeah that's exactly why um i i honestly i didn't know that she was going to sign up or to try to come here and i'm honestly glad that she did really um i didn't yeah i didn't know she Did you know about the show?

38:40No, yeah. I didn't know about it. She started watching it. And then she, I can't remember if she signed up and then told me or if she told me that she was going to sign up for it and then did it. But I'm really glad because I do, we really want the help because we want to be able to give our kid. And I can build a budget and give budgeting advice and connect you with resources. But man, again, you guys said you've been fixing things. But look what you're coming into. Again, it's$1 ,800 over. Okay. So$769.93 on this. Why didn't we have a statement for this with the$39 minimum payment? I think I saved it.

39:15I just didn't. Like I left it out when I sent it on accident. Okay. So most recent statement. Let me see this. Luckily, no purchases. But again, it's not that far from the limit. And there's endless fees and interest accruing. And it's brutal, man. just the same amount of interest and fees this year so far essentially as the other one so you're just doubling up how long does this one of$769 take to pay off just minimum monthly payments only which is all you're doing by the way I think it's four years three but still for just$700 and it's not like it's an insignificant amount of money but it's ridiculous it's ridiculous how long that takes why'd you even open this what's the history of that card I open them when like I the thing I struggle with most I think is like missing out on something or like people thinking that I don't have money and then I've probably right don't based on your guys's life we went on a gulf shores we went to gulf shores last July what like Alabama yes By choice?

40:28On purpose? Yeah, we were there. Have you ever been there? We went for 4th of July weekend. Okay. So we opened Credit One to do that? Well, it was already open then, but I didn't really use it until we went on that trip. And then I just... Did you put the whole trip on the car? Well, my parents paid for our stay. Then what the f*** did we talk... So what happened? But like, we rented a boat and then... And that went on the card? Yeah. Oh, for fuck's sake. So parents pay for the stay, yet we decided to just...

41:04What are we trying to do? What are we trying to do? I just want us to be able to

41:16be, like, in a good place for our son. Yeah, but are we willing to cut back? Because every... Every demonstrable fact of your spending would say no. You say the words yes, I appreciate it. So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. Or, let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at FINRA.org slash trade smart. Appreciate that. But everything says no. I want to. I definitely am willing to do this.

42:05So what are you going to do if your wife doesn't? Well, for starters, I'm definitely going to take those cards. And then we definitely need to. Look what happened last time. We need to cut them up. Listen, okay. You taking them, that doesn't change your behavior is my issue. She'll just displace it somewhere else. Check an account. Open up a new credit card. to start taking out hidden little loans like like this is what happens she'll start paying for and everything or something like i don't know taking the credit card yes you shouldn't have credit cards you're not a credit card person i'll let you use the fizz card because it only lets you spend what's in your checking account so it works like a debit card i'll allow that one but other than that yes you shouldn't have a credit card but that doesn't fix the behavior well i'm hoping that after after today that she'll she'll have a different outlook on it and she will usually not this big of a tit so tit like i usually don't cry like this all the time i don't know if it's because of well i don't know but so far so far you're the problem i know but i can't change it now like i've done it yes you can but i'm saying i can't change what i've already done yes but this is what you did like walking into the studio yeah this is the most recent stuff i'm not gonna go freak the golf short thing fine it's good to know some context and i'm not gonna dig into you and go crazy about that because that was a little bit ago right but literally what you just did probably on the fucking way she told me she's getting mcdonald's on the way home we already talked about this yeah like fellow fat's bonded luckily she's pregnant i can't use that excuse like oh i want mcdouble but either way so good but either way i can afford it right caloric wise probably not but i can afford it monetarily and you're just gonna go get this i don't know you're not changing sounds like we're not getting mcdonald's on the way home yeah says you all right bank of america next what's up with this uh those are mine the Bank of America card we so it was in 2023 we took out personal loans to pay down our credit card oh so we've done this multiple times oh yeah but you also paid off your cards right before Christmas and then built them all the way back up I'm counting that as twice so what the f*** guys so we had them paid down then we started planning the wedding and ended up using that, using those cards for the wedding, like stuff that we needed for the wedding.

44:43And that's how they got racked back up. Buddy, it's less than$30 away from being maxed out to$5 ,000. Thousand! Five! How long does this take to pay off? Can someone tell me? No clue. Well, I'll tell you, your kid will be in college. So what? Yeah. 20 years your kid will be in college until you've paid off a card for the wedding come on and no way it's only for the wedding that happened last summer or whatever i don't know because no way it would be if you make a minimum to payment some time and everything would it be less than 30 from the max mathematically we would not be there well so what the is going on with this card guys because you didn't purchase this was eighteen hundred dollars and then the alterations on top of it when i ordered the dress were two hundred so that was two thousand dollars right yeah but that was by the wedding if you were not spending on this and you're making minimum payments since the wedding this would be a little further down than it is now you would not basically be at the max and also i think we might have used that card too because we you what do you mean use used the card on what?

45:56We purchased on the card because I think something in our house broke. I don't remember what it was. And it was like, we used it at Home Depot. Oh, no, no, no. On one of those cards we did use to kind of redo the office area because it was like the floor was really bad. Max, I have credit cards and you're redoing a fucking office? I don't care about the office. That was his idea. Let's keep that in mind. That was his idea. He was the one who wanted to do that. i got you how much i think that one was i think at that purchase was like 500 what did you do to it oh we did i put carpet down uh we repainted so you did all the labor yes good you did all the way to do it me and my dad and her help yeah her dad no my dad just helped um but i mean that's what that's what yeah she helped and then her brother helped as well.

46:53How much was your wedding dress? I don't even know what it costs. What did you spend on that? I spent$1 ,800 on it. Okay. Plus the$200 alteration. I think it was... What was the alteration? Because I'm so short. She's short as hell. Well, stop. Yeah, I fucking wish. I was taller. But I'm so short, so I had to pay when I ordered the dress for them to cut the dress to length for my height. How tall are you? 411. Okay, same with our head video editor, Mika. We'll put a picture of him on screen. He's micro dick height. What the fuck?

47:32$146 a month on this card. Brutal. I mean, you opened it in 2019, it looks like. This is insane. It's not going to be paid off for 20 years. Only making the minimum fee payments,$97.30 of interest accrued. One month. guys i've had a late fee this year so far yes what um what so with that late fee and it is truly my fault um so for some i can't figure out like a way like i can't have it figured out how to like get it to like automatically come out call them okay well i didn't can you not figure out that solution i should have i yeah so how are you operating in society if you don't know how to make a phone call to a bank.

48:22Okay, well, the story is... Oh, you're... This is the... You want half the DNA of the kid to be someone who doesn't know how to make a phone call? Yeah, it's already done.

48:34Oh, okay. So, what happened was... What happened is you couldn't make a phone call, but go ahead. I typically pay them on time. I usually don't ever miss. but um i believe so typically i pay both the credit cards at the same time uh-huh the first you didn't they they come out different days so the first one i paid it we didn't have enough money to pay the second over complicate this why over you didn't have enough money in the checking account why probably because we spent a thousand eight hundred dollars more than we would get on the basis because we don't care about anything we were running low and so i didn't have enough money to pay it when i paid the other one and then truthfully i i completely forgot about it until I saw that it went over to do.

49:14Auto pay. Phone call. Ring, ring. Hey, bank. Man, I'm stupid. Please do it for me because I'm a little baby.

49:26That's what we do as adults. When we can't manage things, we at least use the systems in place. Right? Yes. Okay. Okay. I don't think we've ever missed a payment before that payment, though. It doesn't matter. you missed a payment that's all that matters you missed a f***ing payment and I honestly don't even believe that that we've never missed a payment before? yeah I don't even believe that I really don't I know on his credit cards he's never missed a payment I'm pretty sure I've missed a couple payments on my credit cards but what? that counts does that not count? okay but him no it's just she said we never missed a payment and then she said that she missed a payment I agree what the f*** well I have a Victoria's Secret credit card and they never...

50:13So that means you don't pay? No, they never sent it to me in the mail. You rely on the mail? It's$1 ,800? We're paying our credit cards via mail? They never sent me the card or the information. I didn't even have an account number. You get an email usually. I didn't. They didn't send me anything. You can also do that thing where you call. Well, eventually they called me after I missed... Why'd you wait for that like a f***ing child? I just didn't think about it after I got it. Then you don't get it. Yeah. $350 in interest on this card alone this year. All right. More Bank of America. What's going on with this card?

50:50I see purchases. Purchases on a card that is basically maxed out that takes 18 years to pay off. That interest is accruing that we certainly can't pay off right now. Purchases. What's going on? I believe that one. Like I said, one of them was primarily wedding. The other one. Dude, I don't give a fuck. There's purchases on it. What the fuck is happening? Like you used it recently. The wedding happened. The wedding's a long time ago. I don't give a fuck. It's basically maxed out. Oh, you know what? So that card does have a lot of money on it. It already did. But for some reason, when he was going to Walmart with our debit card, his debit card wasn't reading.

51:30It kept denying the card. And then he would have to use the credit card. $4 ,467.88 with a minimum payment of$117. No I'm saying that's why there's purchases on it now Those two cards like are off limits We don't touch them It was Family Dollar See I always know for a fact They don't know what they're talking about Unless you wouldn't be in this situation Like what the fuck Because I didn't use it at Family Dollar Remember I lost that card for like a year

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52:43You want to send a text after someone books a call or triggering an email if they don't show up? One click, done. And here's the best part. I've teamed up with them to give you an exclusive 30-day free trial. Double than the usual. So if you're fed up with software chaos, this is your sign. Jump on high level, consolidate your toolkit, and watch your monthly bills shrink. Well, then I honestly don't know what's going on with that one then. because I have not used it. I'm pretty sure you used it for, because you came home complaining about how you had to use that credit card because you didn't have it.

53:17Right, I remember that. I remember that happening. So what the do you mean that you don't know? I'm so confused. Like, I do remember having to use it because my debit card didn't work, but I'd never just, especially recently, that was like months ago that that happened. I haven't used it. I haven't used it recently. So I don't know. I don't have access to that credit card for me to say that I use that credit card. You have your credit cards. So you had to have used it. I don't know if it was an auto draft purchase that you have on there. I don't know, but I can tell you for a fact. Oh, okay. Well, I don't know, but it was you that used the card.

53:56So I don't know what it was made for, what the purchase was made for. Yeah, I couldn't tell you, honestly. I did have possession of this card while and that's why the limit is so high but the recent purchase he did make I just don't know what for what a mess yes what the fuck are we doing I just blacked out I couldn't even tell you what was spent on that card or why dollar store no I'm saying like for the limit to be that high I couldn't tell you what was used guys are you kidding me are you kidding me there's a late fee on this one this year so far as well are you kidding me oh my

55:01Were they both late? Yes! I don't know when, but it was this year! It should have only been... Should have been one of them who isn't! F*** you! I thought it was only one of them that was late. You thought wrong!

55:19I thought I took my kid out of the steaming hot car! Is that what's going to happen? I thought, so it's okay. What is going on? Who's responsible for this f***ing this? This lack of knowing. Obviously both of us.

55:46oh

55:54okay guys i just capital one foresee that's mine

56:09how do you guys how how can you guys have conversations if you guys are never away from each other if you guys work the same job going to the same office need to have these conversations got to have a kid with each other how are you guys even able to have these conversations without going at each other's throats we just don't like space is necessary that you just don't like we maybe maybe you actually need we don't like have like we do disagree about money but we don't like what's the disagreement we don't like fight fight about it or anything what's the disagreement like what you don't resolve either i mean it is like yeah we we do we do disagree about it like whenever we do uh whenever she wants to get something or if i want to get something she will say something or i'll say something but typically honestly one of us gives in to the other and then it still gets done so it's in in the wrong just a repeating cycle of stupidity we're okay with this no we need to so why no resolve why no actually trying to talk we disagree a lot on like buying gifts on on buying what about like he doesn't like he knows that we don't have the money to do it and i'll like feel bad for not purchasing a gift for someone and then I'll do it anyways.

57:29Oh, come on. You can't just do things unilaterally. Wow. Okay. I thought that worked. You can't just do things on your own. This is a group. This is a team effort.

57:42It's selfish of you to do that, even if it's a gift for others. If you're doing it without consideration in the household, the husband, the kid, it's selfish.

57:53I just feel bad if I don't, like, get someone a gift on their birthday and they're going to see me. Feel bad for your kid and husband. Give them a pat on the back, a back scratch. Everyone loves a back scratch. Give them a back scratch. Okay, I'm going to put you guys through couples therapy. Soundermine, three free sessions for all the guests and I think audience members as well. And I'll also gift you a certification of course careers if one of you wants to change your career field so you don't have to be on each other so you can actually have appropriate conversations because a little space is healthy okay well when it so like i don't really like the way i see the gift giving thing like especially like for birthdays i truly think that like i don't even care to get gifts for birthdays like i don't sure it's not your love language sure yeah so that and that's the biggest thing with that like i i don't care and i won't like i won't buy this stuff and i try to tell her not to but she'll still do it because she feels like she needs to well like it's hard like especially during christmas like we'll have like a conversation with the family and be like we're not gonna buy gifts this year like we can't and then they'll like we'll go over like okay i mean okay i get it they buy us gifts and then i'm like well we look like pieces of if we come in empty-handed and everybody else has bought us a gift and spent money on us but that's the thing like they're our family and they know they're like like obviously our family knows what kind of position we're in we we're open about it so if we tell them like look we can't afford to do this and like we shouldn't be doing this whether your family that does it the worst that's besides the point we still need to stick to our guns when we say we're not gonna buy christmas gifts and then not freaking do it instead of oh they got us gifts so we have to put it on a credit card to get it like we need to stop doing that i just feel like they should stop doing it like they should stop if we're saying it then they need to be respectful of the fact that and not get us gifts as well but that's hard for me because it makes i feel like it makes us look bad that we're not like i don't want us to like look like we're like mooching off of other people or like mooching off it's not mooching if they're giving you gifts it's not like you're asking for the gifts like hey i want this this and this thousand dollars worth and then we now we got to buy you stuff in return because you got us gifts no like they give us stuff because they want to give us stuff and if we talk to them and be like hey like we can't afford to do this this year i feel like it'll be okay for us to skip a year of christ of gift giving on christmas to help ourselves financially the only way that i can fix this should not do it anymore but it's that's like the hardest thing for me because i hate to make people i hate to feel that way like it makes me feel what about his feelings yeah we're getting put in a hole because of it and then i have to go work at the shop that i hate working at so that i can make extra money to put food on the table yeah because i'm okay at working on cars but i don't like doing that that's why i work behind a computer but i also work overtime when i can i understand that to make up like to make extra money too so but that doesn't make it okay to spend a ton of money that we don't have for christmas yeah i don't think you're wrong i just it's like a mental like it's like a brain thing for me it's hard to not want to give when people are giving to you okay oh guys okay capital one quick silver one that one 239 34 cents have we looked at one of his the two bank of america oh you're the late payments you have this this episode is brought to you by state farm listening to this podcast smart move being financially savvy smart move another smart move having state farm help you create a competitive price when you choose to bundle home and auto bundling just another way to save with a personal price plan like a good neighbor state farm is there prices are based on rating plans that vary by state coverage options are selected by the customer availability amount of discounts and savings and eligibility vary by state okay what a match $25 a month $5 of spending yeah stars of interest at least the payment was on time she stopped at Sonic she got her little blast little Sonic blast yeah it was probably a cherry limeade I had to guess what it was and that is more important than our kids future a cherry limeade for$5 Cherry limeade for five What?

1:03:00For a cherry limeade? Five dollars? Five dollars is not an insignificant spend for a limeade Limeade! You said blast And that's even less expensive I don't know what people get at Sonic I don't go there because I'm not a disgusting freak Sonic is disgusting Go to a Sonic and it smells like death We have Sonic in our Dug Dug stream for our elite members, and there's nothing that has smelled worse in this world than Sonic. I don't go to Sonic! And I'm fat! And I don't go to Sonic. So I don't know what people get from Sonic. I don't care. $5 for a limeade? Route 44s are expensive, dude, if you get them before 8pm.

1:03:43What the fuck is that? What are you talking about? That's like the biggest one. Like the biggest drink. You're getting a, like, what's the ounce? 44 ounces. You're getting a 44 ounce thing of sugar at 8 a.m.? Yes. So you are a child in your actions and beverages. Great.

1:04:03Oh, don't encourage them. Who's encouraging them? Either Jake or Lindsey is encouraging them and saying use the app because they're 50 % off. They're not a sponsor. I have the app, yeah. So you don't even do that? No. No, she uses her app on McDonald's. She uses all the freaking time. Yeah. I have like 20 ,000 points. It's not a good thing. No. It's not a f***ing brag. I mean, it's beneficial, but I'm saying that's why I use the app. It's beneficial now because I get free s*** all the time. $100 ,000 in debt. 30 % of that being for the house. Beneficial. That's going to pay off$70 ,000 in debt?

1:04:42Eh, okay. And maybe our money doesn't go to McDonald's and it goes to debt!

1:04:50another capital one how many oh we haven't had a capital one credit once that's right okay so capital one what's going on um that one's mine as well 496 dollars and five cents yep transactions that equals you late fees equal him okay so 27.87 the transactions on a card that is uh yeah close to being maxed out by 100 bucks that we can't pay off that interest is accruing $12.94. Minimum to payment $25. What are we doing? What are you purchasing on? It's probably fast food, if I had to guess. Okay, how can we just be living off of fast food every second of our life? We're okay with this? No, but I'm pregnant, so like at the end of the day, I don't want to cook every day.

1:05:32I don't trust him to cook. Meal prep, what do you mean you don't trust him to cook? That's the biggest issue. Like, I can cook. What, is he going to put like cayenne pepper in it? No, she's got a weird thing with meat. She doesn't, like, it's weird. and she'll it's a weird thing with me he's the type of person we can go to like out to eat or something and she will buy a 20 meal take one bite of it and get like a piece of fat or like a gristle or something and waste the whole meal the f*** are we talking about guys we can't cook because we're afraid of gristle i can cook but i just don't feel like it meal prep microwave and Meal prep microwave Meal prep microwave You don't trust him What do you mean what can he do What would he fail at Making spaghetti What would he fail at Exactly that's what I'm saying Like if it's undercooked Cut through and check But you can't tell Yes you can Pork's a little hard but beef and chicken's easy He made beef stroganoff the other day Yeah beef's super easy to tell if it's raw Exactly I don't know.

1:06:35It's just my brain. I just think that I can't trust it if I didn't cook it. Is that a medical disorder? No. I mean, I've never been diagnosed with anything. But I don't appreciate it. You don't appreciate it? A husband cooking for you? How are you going to survive when there's the kid? You're taking her to the kid and maybe he's going to cook for the house. What? You're just going to eat McDonald's for every meal for the rest of your life? You're going to die at 40? So what the f*** then? What are we talking about? I can't eat fat meat. And I can't eat. What? Then get chicken. Chicken breast. Chicken breast is as white as fuck when cooked.

1:07:13Literally like. She could literally. So before even cooking the chicken. She sits there and like picks pieces off of it. And cuts all these pieces. She'll waste like a quarter of a fucking chicken. Just trying to cook it. What do you. Why? Then cook meatless then. And I'm a fucking meat addict. I'm just. Good. Good. Every second of my life. Obviously I'm in this situation. I love meat. But. I can't tell what's pregnancy. see what's not um i don't i just don't like fat on my meat then have chicken breast chicken breast has fat on it but you trim it off and have him cook it trim cook trim cook trim cook come on chicken breast is like the easiest meat to tell if it's under it's white as it's as white as you when it's done right yeah but it's also i just don't think i'm gonna budge on him cooking it.

1:08:03What the f*** are we talking about? I would rather get better about... Okay, what about meatless? What about pre-cooked meat? What about pre-cooked meat? That's even worse. That's even worse for her. I don't even know what you're talking about at that point. That's even worse for her. You can't f***ing do like the pre-cooked chicken tenders to just f***ing... I can eat dino nuggets. That's it. That's the only time. There's a lot of different variations that are healthier versions. No, I can only eat one. Are you autistic? Are you the real autism here? I don't think so, no. You can only eat dino nugs.

1:08:39Yes. This is love on the spectrum, ladies and gentlemen. I've never gotten a bad piece. She's just weird like this. Why can't he make spaghetti without meat? He can make it if he makes it with the frozen meatballs. What about just without meat? Because who wants anything without meat? No one, but you're with him cooking. so go meatless for when he cooks he doesn't like not having he had to get i agree he he can have meat for him you do no meat when he cooks and do meat when you cook i'm confused we can always find a solution are you four how are you gonna tell how here's an actual honest thing how are you going to be able to tell your kid no you have to eat this if mom isn't willing to eat well i've already told because that's obviously from her upbringing but i've already told her like my kid me and my brother is not going to be that way her brothers are even worse than her but like his family eats like pig's feet and stuff huh his family eats like pig's feet and like what's your ethnicity i'm half mexican okay so like i'm sure that our son will be fine i'm sure he eats more than just pig's feet though no but i'm just saying like that's the grossest thing and like pozole and it's like a mexican like basically kind of like soup but it has fat in it like the meat is solely just fat meat yum it's freaking good yum yum yum yum that's crazy what fatty meat that's why people have filet mignon less flavorful more fat because it's more tender no ribbing throughout okay i was enabled my whole childhood oh yeah maybe try to fix it yeah act go to therapy again i'll fix my i will put an effort to fix my finances but that i'll never put a piece of fat meat in my mouth no you're going to mcdonald's every second of your life and sonic for a little slippy drinky slip slurp slurp slurp like we don't fix this unless food is eating at home unless things are packed for lunch breakfast is at home limeade is stirred in a pack i don't even for breakfast i don't even eat i literally just like drink a cup of coffee yeah you have one percent of your stomach yeah so it's literally she will just she'll just get whatever she wants typically she'll order something or she'll go she'll order something on the app from from mcdonald's and then she'll go pick it up on her lunch break or you can't you won't be here for your kid's graduation before your credit cards are paid off.

1:11:11Right. Take out life insurance before they deny her. I do have it. Yeah, on both of us. Thank fuck. Definitely not headed anywhere good. How many? Late fees on this one too, probably. Late fees? Like, probably two. This year so far. I don't know what other fees would be added to this card. Is there not an annual fee on that card? No Then it could possibly be a late fee If I didn't have auto pay on it How many Capital Ones Did you have right there? We're at one I'm pretty sure she has like two or three of those I'm sure we'll find them I guess we've done two I see two Bank of Americas Oh Capital One The Quicksilver is capital one so how do we actually solve this if she can't eat food at home from home i can't i just need to cook it myself like i'll cook it that if that is your choice then you have to do it and it's not an option yeah it's as easy as that you're gonna be a child about someone else cooking then you have to be the one that cooks it is your choice

1:12:31all right blue cash what's this i don't have a statement i have screenshots yeah that one's mine what's blue cash okay what's going on

1:12:42oh my why do i keep crying i'm not like it's a great question offended or anything i just keep crying what are you saying the third oh the third one you have to pull up for me okay let's talk about the blue cash and then we'll pull up the third capital one that is an american express card. Okay, well, I'm... And I can't get the statement because it's... What's the balance? I think it's like $1 ,200. I think? Well, minimum repayment? $40? Probably late fees this year. So$1 ,200. No, I can't. I literally can't pay that one late. Go on. It's not just my card. Like, it's my stepdad's card. So he'll pay if you don't?

1:13:20Women's Health? Walmart? Whataburger? Hopefully your doctor tells you to stop that. I actually already got my gestational diabetes test done, and my sugars are very good. So I don't have that. Well done. What about heart disease? Okay. I don't know about that. Bubble tea. Yeah. Yeah, it's whole funders. You're right. So it's just f***ing around as usual. Interested crew in probably. All right. Pull up that extra, what? It's a capital one, right? Yeah. Oh, f***s sake. What? And you couldn't pull a statement? I'm confused. I think I did pull it. I just didn't send it in. Like, I had, like, I have f***ing 650 ,000 f***ing credit cards right here.

1:14:03Yeah. Maybe you should be looking at them on a monthly basis.

1:14:10Guys, you have to use our budgeting app. Please, please download our budgeting app, please. I'm going to furiously just machine gun. Do you want this? Slap you, yes. Oh, well, it's zero dollars. Now, but at the time, it wasn't. What's at the time? When we sent the statements in.

1:14:37Past due fee beginning of last month. Oh.

1:14:45What are you? Why? Why? Why do you pass due January as well? It's every other month there's a past due. It's just... God, we're just past two every second of our fucking life. She don't pay anything a fucking time. Unless daddy's on it. If daddy's not on the card, we're just past two. Oh. Oh. Why? Oh, for sake. Sorry, I didn't mean to throw you in. You're fine. Oh, just like, what the fuck are we doing? We're past two on just everything endlessly. I didn't have it that auto pay turned on. Why? And then I just, I didn't end up paying it on time. Why? Multiple times, multiple cards. I just didn't have it turned on.

1:15:32I do have it turned on. Oh! Why did you pay it then? I did pay it eventually. Oh, not on fucking time. That was just what matters. Right. But I did have auto pay on. I turned it off. I forgot to turn it back on. I'm assuming she maybe turned it off because we didn't have the money for it to come out Oh maybe, yeah that could be it The only thing that I could think of would be the reason why you did that? Yeah Cause we've shared the same Civilization is broken These are the leaders of tomorrow Oh f*** me What kind of finances What kind of finances are your kids gonna learn guys? What kind of f***ing discipline are they?

1:16:19Mommy's not going to eat because daddy cooked the meal. What are they going to learn? They're not going to learn a single f***ing dick. Synchrony what? JCPenney? What are we JCPenneying? That was our, it was my wedding band and another, it was like another band for her set. What are you, multi-banding? Yeah, I have three. Why? What the f***ing? You got married three times? What's happening? No, so when he proposed, he didn't take the wedding band out, and I just kept it. And then when we went to go buy his, I got another wedding band to go underneath it. Marriage, guys. Come on. It is time to cut down your financial stress and gain total financial dominance.

1:17:15You gotta download my budgeting app today. It's free to start and it's the simplest way to take control of your money. In the free version, you can manually create your budgets, track expenses, and monitor your spending all in one clean, intuitive dashboard. And then you can take it a step further, upgrade to premium to securely link your accounts with Plaid, automatically categorize transactions, and with our new update, you can set custom rules so you never have to recategorize the same purchase twice. You also get access to our private financial community where you share tips learn the best practices and stay inspired Plus I'm adding new features like every freaking week to make this thing even better And you can test it out with the 14 day free trial So there's no risks and don't forget when you sign up for the annual version of the premium plan You'll receive a limited edition signed notebook and my exclusive signed hardcover cookbook all mailed directly to your door so make sure you download my budgeting app today it's in the description and pin comment below you will not regret it oh my there's so many there's so irritating 30 minute payment current balance 387 didn't send a statement can't see your purchases yeah there's there's no other purchases all that all it is we've never used it can't see if there's late fees.

1:18:35I bet there are, because half of these have had late fees. That one's on auto pay. Don't believe you. You may not have had enough in your checking account when it hit, leading to a late fee. Okay, synchrony home. What's this for? That's cons. That's for... Cons? Yeah. It's like a home appliance store. What'd you guys get? We... This is a washer and dryer and a fridge. $2 ,000? $65 $17 Minimum monthly payment$104 These minimum monthly payments are insane What the f*** are we doing? What did you spend on a washer dryer? It was like$3 ,600 I think It was washer dryer and a fridge What the f*** I bought When I moved into my most The house that I live in now I bought a nice washer dryer and I think Like a really nice washer dryer It was like that much money Like, why'd you need that?

1:19:36We went into con. Facebook Marketplace. But every, okay, so when we bought our house, everything that was in our house stayed in our house. Like, we got everything that came in the house. So we didn't purchase anything new until she started f***ing up. Yeah, but maybe you don't purchase brand new and you don't have any f***ing money. And I tried to just go to, because we got a flea market right up the road. They typically get pretty good, like, wash and dryers. I was down to just do that. What? This is a historic thing. We already know they get wash and dryers. Oh, God. She talked me into going to cons to go look at a brand new one.

1:20:11I wanted something with a warranty on it so that it would... If something were to happen... Oh, for fuck's sake, warranties are how they make money. I just wanted to have the reassurance of like... Or you get a cheap set that you test. Then if it breaks down, it's not the biggest deal because it's a cheap set. Instead of being on a minimum payment for the rest of your fucking life forever. That one is three years no interest. Yeah, how long are we in? A year. Is it deferred interest? A year and a half. I don't know if it's deferred. Oh, you don't even know because we can't pull a statement. Because we can't look at a statement.

1:20:43Someone pull it up for me.

1:20:49There is a statement, but it wouldn't, like the website was down when we were trying to pull it. Oh, yeah, that's what it was. When I was clicking on the statement, it wouldn't pop up. It wouldn't pop up. Pull it up. Pull it up. We also got a fridge at that same time. How much? The fridge was$1 ,200. The total we spent was$36, but the fridge was$1 ,200. You still didn't need to get new. That's how we got the deferred. We were selling our fridge from our old office. You could have got that. We probably settled for like$50. I don't even know. There's always people looking to get you rid of stuff.

1:21:30And the fridge The fridge wasn't broken But if we For fuck's sake To store all our food we don't cook I do cook I do cook a lot Yeah you also go to McDonald's every five seconds I do do both of the things Two things can be true at once Oh the physical fucking thing Here it is finally

1:22:01i'm clicking on statement nothing's happening yeah that's the problem that's the problem we were having uh you didn't go on the internet yeah that's yeah that's on the internet uh you didn't go on the app they don't they closed down synchrony no like cons yeah but it's usually but this is through synchrony so be in your synchrony i don't have an app i don't have the app i just i I'll just go to... I'll take that back. I don't know. Guys, maybe it's deferred. Maybe it's not. Gosh, if there was a camera under this desk, my balls are practically out. These short... When you walk into a Burlington, you're walking into amazing prices and great gifts.

1:22:36That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list, even those who are hard to shop for. Toys and jewelry to new beauty brands and styles, These gifts go seamlessly from our stores to under your tree. Seriously, with these savings, why shop anywhere else? Burlington Deals Brands Wow. Just keep going in. These shorts are in. Ball cam. It's time to size up. They're just creep. They creep. Very comfy, though. Except for the creep. Alta? Yeah, that's mine. You're pregnant Yes Doesn't even matter what you look like Cause you're gonna be pregnant either way So it's just like Pregnant Everyone sees you and they're like Pregnant Like what are we doing I buy my shampoo from there That's usually what I use it for Okay Okay

1:23:47Interest I don't even understand why there's a balance it's$159.97 for the minimum payment of$30 just pay it off interest is accruing so 30.24 % interest dude they're all right around there best buy what's going on here we got 806 that was from a few years ago a few years ago and we're still holding a balance accruing interest I've only been making minimum payments well not even actually I think the minimum payment is like 30 something I pay like 50 but it's not much more so um but I bought a PC a few years ago and then uh for how much? you paid the PC off no I didn't why did you think that? I don't know I don't think that when we consolidated I thought he paid everything how much did you spend on this PC?

1:24:44um um the pc was like 1800 it was like pc like it was everything pc monitor like math gpu like everything um i'm sorry gpu oh honestly i don't have that much did you buy this you don't even know this the computer well so i went with a friend of mine and so he like helped me pick it all out and everything because i didn't really know much about it but i had wanted to get wanted to get into it um unfortunately i didn't really get that much into it um and i did you did there's still a balance at the time we i don't even remember what we had going on but i ended up not paying it off whenever i sold it i'll tell you what you had going on mcdonald's of every five seconds of your stupid life and then you and then more than you brought in so you just use that to supplement and then whenever my brother graduated i ended up using that card to buy him a graduation gift as well would you get him i got him i got him an xbox

1:25:47so stupid four years to pay off 30 interest i i don't i don't understand this is the what the choices you guys make crazy okay what am i looking at oh it's a firm at 36 interest a firm what are we affirming that's for when what are we affirming clothes Did you not have clothes? It was for when we went to Colorado. And you didn't have clothes? It gets cold here sometimes. It doesn't get that cold here. But you probably have a jacket. For the few weeks a year it happens. We planned on going skiing. Oh, for f***ing sake. You couldn't afford this trip. No, I agree. Yeah, you're still affirming. Okay, so we had like a whole family trip.

1:26:28There was like 13 people that were supposed to go on this trip. Supposed to go? Yes. The only people that ended up going were us two and his parents. So cancel. But it was too far into it to get any kind of refund on the Airbnb. Yeah, but you would have still spent less. Yeah, we would have saved a lot. You would have saved a lot. Not going, but instead we still went and spent that money. What's your balance on a firm? I have two more payments left on it. So like$58. Yeah, I'm going to call it$60 and it's$2 ,809. payment so stupid the interest you paid on that is the dumbest stupid thing ever in the world in the world i also there's another credit card in there i don't know if he's i don't think you sent it the academy credit card pretty sure i did send that to you from your boss i'm pretty sure i did send that to you but i'm assuming you didn't send it to him so are you just like collecting them okay can someone pull it up yes for the fifth time well you said it's academy yeah

1:27:51are you autistic probably okay i'm probably genuinely i'm genuinely just curious i'm probably autistic. It probably just missed you. I'm the full collection. I'm probably palleted up. I'm a sampler of mental. Well, they looked this up. Sad news in the financial audit family. Two of the three fish jumped out.

1:28:20They died. Yeah, she had told us when we came in, Lindsay told us about it. My theory was that they thought that you were yelling at them, so they killed themselves. Okay, here. These are living things you're joking about. Yeah. You beast. Okay. The interest is a creature. Oh, what do you think? What do you think on this card, huh? Can someone tell me? I believe that was one of those Christmas gift things. $450, one cent. Minimum fee payment,$30. 18 months to pay off. Fuck you. It's stupid. It's just stupid. It's dumb. It's stupid. Okay. Okay. What is this? What is it? What am I seeing here? This is more affirm.

1:29:03This is additional affirm. I think that's the same one. Twice. Okay. What is this? What is$11 ,897.44? That would be part of the home loan. That's part of. Yeah, that's part of. What is this home situation? Is it a mobile home? So the home. So cheap. It was my aunt and uncle's home. And they ended up going to stay with my cousin. and while they were there in Virginia, they ended up getting sick and passing away. My cousin sold the home to us for very cheap, like$50 ,000. And so instead of getting a loan ourselves, my parents offered to help us with it and got the loan for us. And so now we're just paying their loans for them.

1:29:48Okay,$333.81 a month on this one. No, no, no. It's every pay period. twice a month it's 667 um guys I'm running our f***ing ledgers here okay yo 11 ,997.44 what's the interest I think it's like 7 % okay but that's only half of it the other is this the other half Yes, that's the other half. For fuck's sake, I'm out of fucking ledgers. Okay, so this other one is$10 ,700,$9.82. The minimum payment of$411, right? Yes. Okay, interest? That one is$10. I think so. What is this for? Our home. It's the same thing? Yes. You had to split it up in two? So his mom got a 401k loan out and we pay her every month for it.

1:30:52And then his dad got a resource one loan and we pay the other portion of it on to him. This is so weird. It is very weird. It's super weird. How is there more debt? That is my loan for the consolidation. Interest. That one's like 30%, I believe. yeah that one's bad f***s sake minimum multi-payment$3.3833 I think you guys are f***ed I think you guys are f***ed $6 ,714.25 if I flip this is there going to be more more loans he has a loan as well f***s sake for what for the consolidation ah

1:31:43Lindsay, can I have my pen? I accidentally just threw it out of rage. I don't know what my body does when I'm upset. Thank you, Lindsay. Do you feel safe? Okay. I feel safe, yeah. What the f*** am I looking at? What is$1 ,526 a month? So this is... No, no, no. That's what's left. Oh, thank you. That's what's left. I guess I'm gonna start writing on this fucking page Cause this is insane What is this car So I got this car in 2018 And my boyfriend at the time Co-signed for me on the car And I got into an accident In the car But I didn't have insurance at the time It was a single car Why Didn't you have insurance you did My parents took me off of the insurance So get your own insurance But I didn't know I thought I had it.

1:32:40Tell me that I wasn't on it. You guys can't do anything. You guys are incapable of anything. 18 years old. Oh, wow. You're an adult that has adult responsibilities like everyone else at 18. I don't give a fuck. I don't know how that's avoidable if I didn't know I wasn't on the insurance. I don't know. That's just your word, but you didn't know you were missing a payment. You didn't know you were missing 50 payments. You didn't know you were making purchases on this card. You didn't know you went into the dollar store. What do we know? We don't know anything. So I can't believe you. I do. Okay, so what?

1:33:08You got in an accident, no insurance. Did it total it? It totaled the car. So I didn't want it to my credit or his credit. So I have just continued paying on it. And this is the remaining balance of what's left on the car. I'm getting pen markers on my clothes. Balls out pen marks.

1:33:34So dead car. We still owe on it, huh? Yes. Did you scrap it at least? No, it's sitting at his dad's. Scrap it. Why? Why is it sitting there? I think I just don't know anything about it. I don't know anything about it. It honestly does need to be scrapped. We just haven't yet. Okay. What's the interest? It doesn't matter. It's almost paid off, I guess. So mostly going to principal. The interest was 9%, I believe. Okay. So$370 a month, right? It's$262. Okay. You're paying more on it? No. So there, I didn't know this when I was younger, but if you defer the payment, it goes to the back of the loan.

1:34:13So there was this. Where do you think it went? Well, I just thought that it, I don't know what I thought, truly. Deferred? It went away? And I just thought it increased my loan by a couple months. I'm moving on because me. Oh my gosh. We have debt to each other's parents? Yes. Okay. to Brandon's parents$1 ,750 for what? That was for our property taxes.

1:34:42So we, like in the beginning of the episode when we said that we get our bonuses, we get bonuses on top of what we make. My bonus last year was like$1 ,650 and he was going to get one for the first time this year. So we fully expected to get that money to pay our taxes with and then our bonuses ended up only being$600. There you go. Don't rely on bonuses. Lesson learned. Do you pay Brandon's parents monthly? They want us to pay them in full. Why? I asked my dad if he wanted me to just start making a, get on a payment plan with him and just start paying it to him. And he said, do you think you could save it up?

1:35:26I was like, yeah. And he's like, okay, well, just save it up and just give it all to me when you can. Okay, to your parents We owe$1 ,500 for what? That was towards the wedding

1:35:42Why'd you have a wedding that you couldn't afford? It's a great start to the marriage One of the leading causes of her divorce in this country And money! So we start marriage with debt Well done Is there a minimum monthly on this? No So no progress, great Well I have paid money towards it What was it? It was$2 ,000 so I have paid some money towards it Of course it'll be a year

1:36:10Is that all the debt? I believe No, no Remember we have toll bills We do have toll bills We completely forgot to send in And we had$1 ,000 What about a Mustang? They're telling me about a Mustang Oh, yeah, we have two cars. Two more loans? Yes. Guys, what are we doing? I'm never going to leave here. I want to go home. It's the end of the day. What are you guys doing to me? It's five. Pull up one of the loans. Yeah, I sent those two or two. Lady, what are you doing? This is why I can't trust you about the insurance. You can't even send half the statements. Did you actually send me the actual statements or was it screenshots for those?

1:36:58It was screenshots. His resource one is just like that. But here you go. There's the two right there.

1:37:06These better not be substantial. I'm going to... They are. Oh, my. The first one's$12 ,000. Okay. What's this first one? It's a Mustang. 2016. Here, so someone's running around like a fucking douchebag. For real,$12 ,822. $22.92. I'm guessing you're the Mustang. What's the interest? 2.7%. That was after I refinanced it. It's not bad. Minimum of the payment, 538.26. What's it worth? I think Blue Book says like 16. I'm getting higher, 19. Oh, sweet. But yeah, I've looked on Marketplace just to kind of see what other people are going for. because I've kind of debated on selling it. You're selling it.

1:37:55You're not debating. You're selling it. We also have another vehicle. Yeah, I see that. No, additional. It's paid for. It's paid off. What is it? It's a 2000 Chevy truck. 2000? What's it worth? Probably like four grand. Sell it! You can't survive! You don't have a title. I don't get... We could get a mechanics lien on it, I think, and get like a mechanics lien title, but it's not going to be a clean title so i think that would diminish the whatever you can do whatever you can do get my idea get the money scrap it even i don't give a my idea on the situation is you know i said i was debating on selling the mustang i was thinking about selling the mustang and then you know that'll get rid of 700 a month right there just in payments and insurance and then oh fuck it just just daily drive the truck we'll do that because like the truck it's in okay condition.

1:38:47The truck, it's in good condition. It needs a little bit of work. Then do that! Okay, I'm a fucking kill. Bullets,$495.82 is the minimum payment of$24 ,351. What's it worth? I think it's about the same as what... I think it's like$21. $19 ,000. You are underwater by $5. You're above water by$5. She's underwater by$5. Cancels each other out. Sell the car, drive the other car. Put it into this loan. There we go. Then sell it because you can get 19. You get the remainder of his from his previous sell. Boom, you've paid off the car. Go get a$10 ,000 car loan on a$10 ,000 car. Just save you$15 ,000.

1:39:28It's not an argument. It's not a conversation. F*** you. That's it. Did you say there was another loan? Or was that a... You said tolls? Yeah. Yeah, we do have tolls. Oh my f***. What do we owe on tolls? Guys, this is never ending. So we had a toll... We got a toll tag because when we got my car, he... What do we owe on tolls? I don't even give a shit about the stories at this point. $1 ,500 on tours. Oh! And then an additional$300. $1 ,500 on her car,$300 on mine.

1:40:03$1 ,800. That's just so fucking dumb. And I also have student loan debt. Are you cussed? How much? $10 ,000. And are we paying? I don't know. I don't know anything about it. Well, I can't make a call. I don't know anything about it. Make a call. I'm not paying on it currently. By choice? Like, there's no, I don't have, they haven't reached out. When did you graduate? I didn't. When did you finish? When was your last school? Uh, 2020. Yeah, you owe money. Okay? Okay. It might be held up in the courts. Why? The school I went to, like, um, like... Is it being challenged? Closed. Is it being challenged?

1:40:52I think so. If it's being challenged, that's why it's probably on hold. It might be forgiven, it might not be. I don't know. $2 ,000 in this checking account. Okay, why is it just$2 ,000? Oh, okay, because here we go. And we also... Let's see, let's find out. What? We also... Well, it started with$180 ,000, so I doubt that$2 ,000 is normal. What? We owe the IRS. Not back.

1:41:17What? $1 ,000. Fuck's sake, why? So when he got his... You've used more pages. Than anyone! Are you on a payment plan? It's paid for. Now it's paid for. We just paid it yesterday. Are you on a payment plan? No, we plan on paying it in full. If you have money, sure. Great, so IRS,$1 ,000, interest and fees are probably Korean. What was it for? It was for our taxes. Our taxes. Like. When? What taxes? This year. Last year. Yes. Or this past year. Yes. Okay. Checking account. Oh, wait. So fucking just immature. McDonald's. Taco Bell. Fucking going in and getting some. Both. Scorpion. Quill. Both. McDonald's.

1:42:08Soulman's. Apple Bell. McDonald's. CC's Pizza. Sweet Water. Sweet Water. Brom store. or Chick-fil-A, oh, Sonic, Whataburger, Apple Bill, Microsoft, McDonald's, Peddlers, Amazon, Sonic! That's so f***ing stupid. M-Spec-O-F. I doubt that kind, I don't know. Going and getting some bulls***. Apple Bill, Amazon, McDonald's, Microsoft. Apple Bill, Sonic, Domino's, Amazon, on Amazon. What the f*** are we f***ing doing? What the f*** are we f***ing doing? What the f*** are we doing? It's a bullet. It's Sonic and Amazon and Apple Bill and Netflix and Roku for Peacock. F***ing Peacock. Apple Bill, Scorpion Quill, Encantos.

1:43:00Apple Bill. Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only. Prices and participation may vary. Prices may be We hire in Hawaii, Alaska, and California, and for delivery. Apple bill, Apple bill. What? Go in and get us a book. Zellen our money. Who knows where it went? We zelled, we zelled, we zelled, we zelled. Oh, zelling. Saving 600. Okay, what are we doing? That's insane. All of the zells are coming in. That's from me going to the shop and helping to make more money. Well, no, we pay his parents the zell.

1:43:39Incorrect. We pay our mortgage through zell. We send them the money. No, it wasn't. Sorry, I thought that's what you were talking about. Jeez, guys! Is that it? Can that please be it? You don't even have retirement? God, you f***ing s***. I do have retirement, but it's really insubstantial. What is it? Like, two grand. Well, when you're ready, we'll get you set up with the Moo Moo app, but for f***'s sake. This is just, I don't know, guys. I just don't know. Like, there's not going to be anything left over.

1:44:15Oh my f***ing guys. Oh my f***ing guys. Oh my f***ing tits. You're titting me, dude. Didn't expect to envision that one today. So many numbers. We don't even know if it's going to add up right in the end. We're about to find out. This is f***ing crazy. That's probably why I don't ever get it right. Well, maybe you could take a little more time, but we don't have as much. You have all the time in the f***ing world to fix your s*** Ah, it's gonna be close, but Is that right? It's not$4 ,000, is it? Your debt minimum monthlies? No, let me redo this If you're including our mortgage, then probably so, and our cars I gotta redo that, because that just sounds insane

1:45:06Oh my f***, okay Debt minimum monthly is$3 ,350.17. What the f***? Utilities, how much? About$3.50. Internet? Is that included in that? Yes. Gas that you both use for driving. Vroom, vroom, drive, drive. Well, luckily, since we work from home... How much? I would say... $2.50. A month, yeah. Car insurance is combined. $5.30. Food,$600. Use the cookbook. Again, everyone that gets a premium version of the mobile app, I'll sign you a personal cookbook and send it directly to your doorstep. You get it for free. TP fun,$200. Anything else you need? Makeup, whatever. Shampoo, tampons, you got it. Medical health care, anything on a monthly basis?

1:45:58Yeah, well, at least for the next three months, I have at least$120 of prescriptions every month. Pets? Three dogs. Oh, f*** me. F*** me. Health and ages? They're all in good health. One's one, the other one's two and a half, and then the other one is seven. Right? Seven? I don't know about the seven-year-old, but we'll do at least$80 for the other two in pet insurance on a monthly basis. Pet food, how much? I would say about$30 every... $40 every two weeks, maybe. $80. Okay. Gin? Yes. How much? I believe it is 40 a month. Anything else that needs to be in here that I have not taken into account?

1:46:41Our phone bills. How much? 236. Why? We have Verizon. They're financed? Yeah, they're financed. When they're not financed, switch to f***ing Helium. Same towers as T-Mobile, so it's cheaper, dude. Just f***ing do it. Don't be a tit. But until then, what was your phone bill one more time? 236. you guys i think you still have somehow wiggle room not much you need five thousand eight hundred thirty six dollars and 17 cents on a monthly basis you guys are fucking lucky so mostly the cheap living situation i'm not taking baby costs into account to be very clear so you probably will just be breaking even if that when that happens but we how when when's the kid july Okay, so we have a little bit of time.

1:47:27But that's including, like, with our car payments if we didn't sell the car. Exactly, which you will. Then you'll have a$10 ,000 car that will eliminate some of the car insurance. Mustang, obviously, higher car insurance. And we're talking minimum fee payments close to, like,$700 in the$700s, like$750. So we'll get the minimum fee payments down to, like,$300 because you're going to get a$10 ,000 car loan. but even still I just want to do an example you have an extra$363 right your debt was like$105 ,000 this is if you did nothing it takes 399 months to pay off the debt with the situation and the spending that you guys have gotten yourself in and that spending hasn't slowed down you spent$1 ,800 more than you made it takes 33 years to pay off this debt you guys can get that down much further down take care of those cars limit the minimum payments throw all your debts towards it it's still probably going to be at least like a decade process especially with the expenses of the kid coming up but it is worth it for the sake of your kid because your kid will be 10 and then you can live the best life ever okay you guys just have to do this take all of our classes especially the debt and budgeting ones first the investing ones eventually okay the real estate one eventually download the budgeting app use that use the resource you get it free forever don't around there is no more time you guys have put it to the worst if you go more from here you're done you're done you've hit the limit it's time to buckle down sell the cars take out that loan buckle down change the behavior and do not up and prove to me you've done it by coming onto the financial auto follow-up channel okay hammer financial score what's the value of the house 127 okay real estate score it's a weird situation convoluted i'll give you a six out of ten retirement i'll give you a one out of ten emergency fund one out of ten debt zero out of ten that is a fucking gets irs knowledge spending you overspend zero out of ten real estate's gonna be what carries you but it's a weird situation amber financial score for now it's going to be a two point let me make sure i do that math no 1.5 out of 10 sorry one second yeah 1.5 out of 10 guys join us for the post show join below and if you want even more content we upload every single day with all these exclusive shows thousands of hours extra content for hammer elite and it really helps support this channel and it is the best youtube membership proven proven by the platform on the entire platform of youtube so check that out and join us in the post show it's great hundreds of hours of content uploaded on a monthly basis thousands of hours already there for you guys to binge you can't gamble you have 30 years to pay off to stay and you're gambling all your money away what the happening guys that's not okay i win a lot of no you don't if you did we wouldn't have so much i just don't understand why that's fun Spending your money to press a...

1:50:35Call of Duty with your friends is so fun, but... I don't have to spend money every time I turn an Xbox on. That's$12? So you can't look at Sabrina Carpenter on Fortnite. That's$12? To watch the Financial Audit post-show, click the Join button below.