Goth Gold Digger Exploits Beta Husband | Financial Audit

26:29Yeah. And then as soon as you do that, you hate everything so much that you're a totally different person and we're just like a mess. Yeah. Yeah. I shut down a lot, but I just really wanted it. And I am, I don't know. I wish you could have gotten it. Yeah. I wish you could see that we can't.

26:49well so that's the tattoo story i almost got a tattoo i didn't get a tattoo 500 tattoo do you feel he dominated your decision in that a little yeah how does this go that i mean that can't be creating it it gets hard when the other person's like a no no no but also maybe it needs to be financially but what what what are we doing this situation do you feel like you're being financially controlled? Uh, I feel like, oh, I guess a little in this context, but I just, I don't do as much work as, so then I'm like, well, if he wants to just get, like, control the things, then I'll just sort of back down and just be sad.

27:36And you're okay with that? Well. You just put up with that? Do you speak up? I kind of just shut down and don't speak up. And then that drives him a little more crazy because he just really wants everything to be happy all the time. Yeah. I mean, what do you think hearing this? I mean, she just shuts down and she just stops. I think that it's like preferable half the time to like just fighting and being more on fire about like just all the feelings that go into like a financial decision seem to trump the financial decision like regularly. whether it's like like international travel or like investing in the business or investing in like an actual I think it's okay to invest in a vacation but like we can't we can't and we need to not and then when we don't life is so miserable that I'm like at least you need to go at least you need to do something because I'll take the reprieve you take the vacation it's more affordable and it's still not affordable so you guys just separate yeah i tend to go on more trips and stuff make you happy even though it still financially hurts the household but he's just like you both give up you're not willing to stand up to him he's not willing to stand up to you sometimes you guys just give up to avoid confrontation to avoid confrontation that doesn't get us anywhere eventually this is a fun one i get to get you free money and then i get to get myself free money.

29:03It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high yield savings account and get a welcome bonus of$300. Sign up for Acorns using my link and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So use the links in the resources section of the description below and get yourself$5 ,320 right now. I mean, eventually that just leads us down a bad path, right? I mean, I'm more on team, like, let's make memories.

29:43Let's have experiences. Let's do all this. Yes, but you could have more if you were financially. You can't have the experience of running a proper business with all this risk over your head. Well, true, but I just get so tired of it because that's what he does all day. He's, like, in the office, like, doing spreadsheets, like all day. Which is, which is, which is what you have to do as an entrepreneur. Yeah. My entire brain is focused on this business. Unfortunately, it really is. At one point, it was more of a hobby. It's full on business now. And that's what it ends up becoming. And your guys' workplace personality, it might be completely different.

30:24It's very interesting. A lot of us, we've done the disc assessment around here to see where we stand. He's probably in that more entrepreneurial area like where like uh steve jobs jeff bezos all those people are they tend to be in that d area that's where i am too i just go and i focus on it where you might just be on that other side which means maybe you guys in order for the sake of the marriage shouldn't be in the business together oh i totally disagree with you there because i think but you were like oh no we focus on the business oh well we just do two different aspects of the business what's yours he's doing the spreadsheets and the computer stuff.

31:02I'm working on... Yours is going to fucking Europe? He's the one that wants to go to Europe. Not me. But no, I'm working on costumes, putting shows together, LED programming, putting the actual creative things together. There's a lot that goes into a show that is not just like, oh, we're going to do this for 45 minutes and we're going to park here and we're going to do these logistics and all that. That's a lot of work, don't get me wrong, but I'm doing the creative stuff that is actually like making the client happy with the themes and different things. Do you agree? I think what she's saying is still true in the sense that like her responsibilities, which are equally important to what I'm doing and things I would be bad at, like styling people and choosing their costumes and makeup and what we should look like and how our show looks.

31:53Yeah, but you need a contractor, not a wife. Whoa. Whoa. In that position. because look you guys are already going like endlessly and a lot of it is because of work but a lot of it is because of finances and a lot of it is because what you want to do but all that is because you guys are just two together and everything we promote togetherness but togetherness in business and love and all of that it's a lot it's getting it's way too much even if it was uber successful maybe you guys would want to go in different directions business wise. Well, we already kind of do. Exactly. So it doesn't you might just need to go get a job.

32:30Well, you're not wrong. Okay. But we complement each other really well in terms of we balance each other out. Does it outweigh the negatives? The strain on the relationship? I think so. What's more important, the business or your marriage? Oh. What? Oh, that was heavy. They said they're different. They're separate? Whoa. The marriage? the marriage the marriage the marriage yeah it's a little spooky to imagine it without the business in the way that like we balance each other out and and like he's the function and i'm the form and it all works and it just needs to work better for us to survive in an expensive place yeah but oh and then the other thing is like he's way more focused on booking other people right Like we're working with a lot of more, or a lot of new artists having moved to a different city.

33:25So it's like still walkers, aerialists, aerial bartending, all these different things are happening. And that's not us, right? That's all the income that's coming into the business that's going elsewhere. And I'm way more focused on like our show, like programming our show to be like corporate and awesome and super sellable, right? Whereas he's focused on like the logistics and the other people. You guys do what you want. I just, I just, I don't know. You guys might have to choose in the end. You're not wrong. I'm just not ready for that choice. I know. I mean, you guys are being selfish in different ways.

34:06You're selfish. I mean, you're kind of admittedly selfish, right, when it comes to a lot of the business things. So it's like, what are we doing? Well, I can justify almost anything as a business expense. That's sort of my issue. Yeah, well, the IRS will find out if you guys ever get audited. Well, we've got documents to talk about it anyway. It doesn't mean you're right. A lot of people write off things that are not write-offs. That's true, but we have a tax guy that helps us, so that's good. We're trying to do it all right. We're trying to do it all right. We're trying to do it proper. I'm not necessarily worried about what I've already done.

34:38I'm worried that I can't keep doing it or that it won't get good enough to stop just investing time and money into it and to actually feel like it's off the ground, you know? And it's this dance of like, I have to work enough to pay for the stupidly expensive place that we live that maybe we shouldn't have moved to. That's a whole other thing. emotionally impulsive decision to like change everything and to like our lifestyle our amount of rent the number of different places we're attending and like what is around us like we don't go out to bars like but we'll go out to eat and we'll go to see shows we'll go see live entertainment and now we're surrounded by it and it's another just dumb expense like I don't even know if you guys if you guys are aligned in this I don't even know if you're aligned in this business.

35:35Well, I want us to be making more. Like, it's like when I look at$90 ,000 coming into the business and then I look at our actual income and what we bring home, it's like we're not bringing in home enough of that chunk. Yeah, which means it might not be a business that we do, especially together. Well, all of our shows are like duos and together. Like, that is actually our big ticket item, you know? Like, that is the best. And cut out the rest. But that's how it becomes survival. That's how the business became survivable in the first place is hiring all these other people, having a team, all that.

36:08How much of the revenue comes from the team operated stuff versus you guys? Just you guys. I think it's 60-40 right now. Like 60 % of— Double down on what you guys do. Exactly. Exactly. Exactly. Yes. You disagree? Yes. I don't think it's good for our bodies. I don't think it's good for our relationship with the art. What's physical? To be doing the— Oh. Like to have— Ford Blue Cruise hands-free highway driving takes the work out of being behind the wheel, allowing you to relax and reconnect while also staying in control. Enjoy the drive in Blue Cruise-enabled vehicles like the F-150, Explorer, and Mustang Mach-E.

36:48Available feature on equipped vehicles. Terms apply. Does not replace safe driving. See Ford.com slash Blue Cruise for more details. Same act, that you do the same act every time you go to these 10 shows a week. So you'll get hurt? We used to more. I'm scared of that. I don't want to rely on something where if I am hurt, I can't do it. And that's why I want to do a booking agency. I didn't get into performing because I love being in front of everybody and I want their attention. I got into performing because a lot of people around me asked me to do shows with them, asked me to help them get a fire permit because they didn't know necessarily how.

37:23Do you guys even agree with how much you're paying these people? Most of the time. Most of the time. Yeah. There's a, like— But there's definitely tension there, too. It's like, even if I agree with the amount he's paying someone, it's like, who is he paying, right? It's like, who are we hiring for what spot? And that's just, like, a whole other thing because at the end of the day, like, all of these people we're hiring are friends to some extent. And so there's so much drama and politics with like, oh, I don't want to hire this person because they can't work with this person. And it's like, oh, like you want to hire this person.

37:59But I'm like, actually, they're really not that good at that. And so I'm a little shady in that way. But I'm just we just I want to put like the right people in the right spots and also make enough money. You look like you're going to say something.

38:20I don't know guys I mean I'm being told you don't even Show up to that part time job either Sometimes Damn You might just need to go do your own Fucking thing That's on me He does more of the day job than I do Cause I was cleaning the dance studio In exchange for dance passes Yeah that pays the bills Yeah Yeah. I feel like I spend a lot of time. Let's jump into the money, guys. Just hoping to make you happy enough to become financial responsible. Yeah, let's not. I don't think that's going to work. They ask you how you are. You just have to say that you're fine when you're not really fine. But no, I've been taking a lot of opportunities to just like expand ourselves as artists.

39:09Because again, I'm team like let's make more money. I'm team like the two of us taking home more of the business. Which I'm not opposed to, but... But that takes a lot of artistic work. That takes time. That takes, like... Yeah, it's weird. A business that you get paid from takes work. Oh, gee, that's not what I meant. Okay. Go work for someone else if you want to put in less work. That's not what I'm trying to do. I'm saying it's artistic work. It's not going to pay for itself right away. It's not going to pay for itself right away because there's all these hours that I do programming before the actual game.

39:39You're not able to invest that time because you have all this debt hanging over your head. because you've allowed to live your lifestyle higher than you actually can because you are prioritizing your lifestyle over your business. Yeah. Well, I didn't say I was good at finances. That's why I'm here. That's why I'm here. Yeah, okay. Unofficial bingo card. That's why I'm here. It's in free space. I got flipped off. Wow. Oh, okay. I feel like it is definitely like a significant issue. A three, two, one, go. I want you guys at the exact same time to give me your household financial score. Okay? Zero to ten.

40:17Zero being the worst. Ten being the best. Three, two, one, three. Zero point five. Why the f*** do you think you're... What? Because I want it to be really bad. Because I'm shooting for a three. You're shooting for a three. And if I tell myself it's a three, that's what it'll be. At least I'm realistic. No. Okay. Yeah. I'd like it to be a three. That's great. But it's not right now. Target, man. what should I shoot for? Shoot for? I want you to self-acknowledge where you are. So you can assess your situation. So you can make a plan to get where you want to go. I think as soon as we have an actual reinvestment budget, that'll be something to...

41:04How? If you have all this debt, your reinvestment budget is paying off your debt. If you want your hammer financial score, if you want to see where you are in the world of finances, take the assessment at calebhammer.com or click the link in the description below and also make sure you download the Simpler Budget app. They get the premium version forever. But for those who sign up for the annual premium version, I will send you our cookbook that we made that I will sign directly to your doorstep and our notebook as well. So make sure you do that. Guys, download this. If you don't download this by the time you leave, I'm going to murder you.

41:39It's so jarring to see that, you know, it told me that I spent$14 ,000 last month, which is crazy. Yeah, I wouldn't be surprised. Which is crazy. No, that's the money that's going to other performers. That's why it's so weird to look at. Yeah, well, okay, you got me there. Okay, yeah. Yeah, I know.

42:01Half of our debt right now especially is reinvestment. It is irrational. What do you consider reinvestment? I want to talk about these numbers. What do you consider reinvestment? It's the props. It's the costuming. It's the— And why are we getting fresh stuff every single time? Because you should have leftovers. Because the biggest thing that people want is, like, the thing for their event. Yes. So, yeah, you can have the staples, like, 4th of July is clearly, right, Uncle Sam on stilts. Like, it's easy to come up with some stuff, but at the same time— That's what I want to say. All right. City double cash.

42:37We're at$973.53. I mean, it was paid off. And then you purchase it all the way up. And you have fees,$1.24. $35 minimum monthly payment. I'm confused. Why are we purchasing so much on this card? A card that was paid off. What are we doing? So we do these early. No, no. They're saying it's$9 from being maxed out now. It is in fact that. Are you fucking kidding me? So it's at like what? Oh, the calculator went down. What is it? $4 ,491? That sounds right. That's right. Why, guys? Here's the worst possible answer. We've noticed that a lot of people survive with a lot more debt than we have. Yeah.

43:24I'm almost like... I started watching your show. What's the new minimum monthly payment on this, you guys? Well, it usually gets paid off. I just pay it every two weeks. Yeah, it usually gets paid off every month. Yeah. It'll be$1 ,500. Yeah, it'll be a$1 ,500 payment this month. Twice. Twice. Which will not happen because we don't have it. Because we don't have that. There's no way. But it's on the credit card so that once this big gig happens in a couple months, then like, yeah, we've got a little bit of interest on it. But we've also got the things in our possession to actually use for those shows.

44:00So we're trying. We tried to be smart. What's the minimum monthly payment? I would guess like$300. Because who knows if you can actually make that payment. We'll see. You have to line things up. Who are you even purchasing? Foreign transaction fee, Circus Space, Pyroterra, Light Toys, Amazon, Stone Harbor Restaurant. That was a fun gig. That was a fun gig. The restaurant? Well, that was post-gig. But yes, we got to go out with all of the performer friends. Yay. Yay. You didn't spend the money we don't have. Business expense. I think it's dumber. It's dumber than that. We're finally coming up with enough money to do this stuff.

44:46And then we're still spending it all on, like, if I get the client to pay for the meal, it feels great. Yeah. But then because I did that, it's easier to be like, oh, we'll just buy the next big thing. And it's going to be especially that Pyrotera group. And then we're all the way up to almost 4 ,500 maxed out. Okay, so we are doing these LED shows. They're a lot more intense, technically. And so we needed a new laptop because one of our pieces of equipment broke. So then we needed a laptop to run the show. So we went to Best Buy the day of the gig. So you didn't have a fucking laptop? Not a good enough one to run the software.

45:24We turn it after the gig then. Well, it's actually very helpful for the business to run these shows. So we're going to probably keep it. You guys are the small businesses that never take off because you will justify everything you want as a business expense forever. Forever. Yeah. And luckily, I have a little part of that in me. We've just luckily ran a pretty successful business so I can budget it in. But listen, as someone that like I'm there with you, so I get it. You will never take off. you will never take off if you just consider this reinvestment into the business forever instead of taking care of this that matters that lowers the risk that has that one-year emergency fund guys you'll never get there never because you will justify everything you want forever as reinvestment into the business everyone's got an opinion on the economy Are the rates going up and down, sideways, inside out?

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47:20The guide is free to you at netsuite.com slash hammer. Again, that is netsuite.com slash hammer. Thanks to NetSuite for sponsoring the video. Let's get back to it. It feels so good to do it, but yeah. Okay, great. Yeah, why would we want a successful business? Well, I need to learn how to actually use money properly instead of just feeling like I have money when we have a good gig come up. I feel like There's a Like the timeline Is relevant Like Every time That We've kind of Had an opportunity For things to get better Uh Things have also Gotten worse Yeah So moving to Madison Was really good for us In terms of The fact that we had Um More people To work with But then we had to Rebrand the business Oh for f***ing Was a whole thing Which costs more money We're now working With different artists So then that was like a whole changeover and just like a dip in income.

48:16And then the car broke down. And then the car broke down. We had to replace the car and get a new car loan. How many performances are there a month? Between two and like six. No, two and six. And you spend this much money in a month? So your cost per performance is like$10 ,000? Why are you working more outside of it if we're only working six days a month? Max! Why would we possibly have debt if you're only working a week? A week of the month? What a joke. This isn't an entrepreneurial situation. This is a lazy f*** position. Oh, so much work goes into each one of those gigs, though. How many hours?

49:05Depends on how much. How many hours on average? Too damn many. Too damn many. Oh, come on. It's part of the problem. Too damn many in terms of what you want to do or what is necessary. I feel like I'm never clocked out. I feel like I'm never clocked out. Okay, that is the world of a business over. But if you fucking write down everything you do that goes into this and you stack them up, what do you categorize them as must-dos versus maybe I didn't need to do that? That makes way more sense in hindsight, I got to tell you. Yeah. I hate to admit it. That's actually a great idea. Oh my gosh, I don't think you guys are ready to run a business.

49:42Even though you're six years into this somehow. Doing it. We're doing it. Kind of. It's a hobby. It's happening. It's not a hobby. We're making a profit. Yeah. We didn't even have to run away. You can make profits on a hobby. You barely make them nuts. You need a roommate to survive. You guys are interesting creatures with your mannerisms and stuff. You both have the same thing. You both do the same sound effects and things. there's a lot of there's a lot of carryover on our on our on our habits for sure uh the losmosis behavioral osmosis so i i feel like that credit card it's worth mentioning you did get yet another prop for a gig that hasn't happened yet and i think that's one of the biggest issues these gigs that haven't happened yet where the money's not here yet where anything could go wrong?

50:34Yeah, well, it seemed like a really good excuse to get these custom LED feather fans because burlesque, and, you know, we do some burlesque shows, so I want to start doing that too. And so these custom LED feather fans made a lot of sense in that context, but then we haven't used them yet. But the whole point, like the whole, with as often as you take issue with me hiring other people, you've now gotten your own feather fans and not had them pay for themselves at all. What? They're gonna pay for themselves. They're gonna pay for themselves. Just they haven't yet. Oh my gosh, you guys aren't even you guys are so not together.

51:19Do you guys see a marriage counselor? Do you see a business counselor? I don't know if that exists. What do you guys f***ing do? He wants to see both. I am a little annoyed at the marriage counseling situation but what well the marriage counselors we had were just really terrible and so well you then try different well that we'll give you three sessions through sondermine so what our audience uses what i use thanks but for sake at least it's free yeah test it you have to test and move on that's it there's a lot of trial and error that it's just try huh yeah yeah okay i will but it's Just up until now, it's just been really difficult to actually make that appointment because I have very little faith that they're going to do anything.

52:03A lot of things. You're lazy unless you actively want to do it. If there are things I can read this from a mile away. If there are things you do not want to do, you don't do it. You justify the things you do in the business because there's the thing you pick the things you want to do. The things that excite you. Like is there anything else that's excited you in recent history that maybe we shouldn't have gotten and ended up having to sell? because we shouldn't have gotten it in the first. Fucking what? Fucking aerial rig. Fine. Yeah, I saw you spent like a ton on it. Yeah, well, I did aerials for, you know, six months or something.

52:39Congratulations. Do you make money off of it now? No, we hire aerialists to do that now. I'm going to fucking just like murder someone. What are you? This is so stupid. I sold the rig. This is fun to you. This is just fun to you. This is not a business to you. You don't treat this. Fun and a business? Yes, but you don't treat this as a business. You only treat it as fun. Oh. This is not going to last. Well. This is not going to last. I really want it to last. I really want to change. How much do you think you've spent just in the last year on props and shit? Oh. Oh. That's a good question. The feather fans were$500.

53:15The LED suits are$2 ,500. The boo gang are$900 each. No, sorry,$700 each. Oh, that's better. That's better. I'm going to say like... 3 ,500 on the aerial ring for my sake. Maybe 7 ,000 this past year? Maybe more like 10. Maybe. Maybe it's not maybe because I made a little chart of exactly this. Oh, you did it. Oh, wow. Why doesn't she know? If she's your co-business head in this, why doesn't she know? Because she's willing to sit down and look at everything that I've made about 9 out of 10 times. Well, it's not always a good time. It's not. And then it's eight. And then it's seven. I'm going to ask you an inappropriate question.

53:58An inappropriate question. Here we go. Here we go. When I hit on people, I'm known for asking specifically like, okay, cool. Yeah. So I can learn. I'll ask a sexual question. Why not? You guys are obsessed with the business together. You guys fight. You guys do all this. Are you guys still intimate? Yeah, we are. That's usually the easy part. That's the easy part. All the fighting can help. See, I was expecting that. No, maybe you guys don't share that together anymore. Because maybe you guys don't share life together. Because you're just fucking just... And then you guys just work together on all this stuff.

54:37It's, yeah, it's enough to kill my libido sometimes. There it is. But it hasn't gone away. Like, it hasn't been problematic. So that's been nice. Well, I mean, that's a good thing. At least that's the easy part. That's a good thing. I'm way better at sexy stuff than money stuff. Okay. Yeah. I can do that.

55:00UW Credit. Oh, that's where our cash goes. That's what makes it scary, is that we deposit it. So we must be claiming it if we deposit it. I don't really—I obviously don't understand taxes. Should be. Yeah, but I think we're talking about the car loan on this. Yeah, the car loan comes out of the UW Credit Union. 7 % interest basically rounded. It's not the worst, but it's definitely not good. You're not competing with the market. I thought it was at like 5 something. The car low? Is the car low in 7? No. Oh. Well. But even still, like, if I'm buying, like, just whatever, I'm getting like 8 % a year on average.

55:38Up years down, just combined. So with the depreciation and everything, you're not. Like, keeping up. What's the car? It's a 2013 Toyota RAV4. Okay. I love it. I love it so much. It's the best little SUV That I ever did drive Cool You owe You owe$8 ,824.60 Correct The minimum monthly payment of$186 Is this term long? I feel like it is I feel like I want to pay off the car sooner With that small Yeah, good luck Well Look at the lifestyle you guys have I want to pay off the car sooner Because last time Want to, but then you don't Well, not yet But last time— We're seeing it being worth maybe$1 ,000,$2 ,000 under what you owe on it.

56:28So you're underwater. Yes, which sounds just like the underwater-ness we had with the Ford, which I will never drive another Ford again, because that thing broke down on us over the course of six months so many times, leaving us stranded. And we scrapped it for like$400. When did you get this car? August or September. we got the Toyota. So I make it, yeah, this. Yeah, but we had to, we had to like scrap it. Rinse takes your laundry and hand delivers it to your door, expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you.

57:08Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Pay off the Ford. Yeah. I think we paid like$13 ,000 for it. What's the mileage and condition in this car? It's a pretty good condition. It's got 140 ,000 miles on it, which is like decent for a RAV4. They can go usually like$300 ,000 if you take care of it. Yeah, if you take care of it. Which we do. But I hope the person did before you. Yeah, actually it was driven down south, so there's not a lot of rust and stuff, which is great for us in the Midwest.

57:56It was very nice. I'm very happy with this Toyota. I just, that Ford really just traumatized me. I don't care. Great. That is a solid one. Well, and it's your fault we needed an SUV anyway. I wanted a car. We need an SUV. There's no question about that. Well, that's debatable, but, like, I'm glad we have the SUV, but. But we could have gotten a Honda Civic or something. Yeah, now that we don't have an aerial rig, we don't need a SUV. You're right. But here we are with a Toyota, and it's great. But it could have been cheaper. I'm feeling like it's about spending. It's always going to come back to spending, and we haven't really touched on just how much spending there actually is.

58:41The more that we kind of prep for this show, the more I'm actually finding more. And it's not a surprise. it's a matter of thinking from choice to choice that it's fine letting me think that it's fine not knowing enough to to feel like maybe this isn't fine and like it's not okay to just keep like yeah it's not reinvesting i admit it like so what are we going to do different oh i don't know i don't know because i want to just keep doing what we're doing but that's not smart. Are you ready to work? That's not, that's not, that's, that's a sh** answer. I. Work with him. I want to get a solid day job after this three month gig is over.

59:27So you're leaving the business? No. I'm gonna do a day gig that allows me to keep doing the business. Usually we don't have a gig that is like every day for three months. What business can you work at that's gonna allow you to take that much time off constantly, randomly. I mean, the gig that we're doing right now with the real estate signs is so flexible. You're not even paying taxes. It's all under the table dumb stuff. We can get on payroll for that. We could. Then why aren't you? How irresponsible are we being is what we need to know. All we know is, it's bad. And there's like red flags left and right.

1:00:04The more that we dig. And I'm over it. At this point, like... It's like stress is definitely the biggest reason that I've gotten to be so bad with vaping. I'm sitting in the office working too hard, kind of wasting my life away that way. Everyone on the show, I swear this is an epidemic. I am. Do you vope both? Do I vope? Vope. I do vope. Yes, I do. Do you both vape? Yeah, we do. For fuck's sake, how much a month, how much does it cost for both of your lungs to be destroyed? You know, it's aerosols, right? You know, it's not vapor, it's aerosols. It's the same stuff in like... It's bad for you no matter what you're putting in your lungs.

1:00:45Yeah, but it's not just water vapor. It's the same as aerosols. Yeah. It's not cigarettes. It's not cigarettes. It is technically better. It doesn't mean it's good. As much as we fight now. Oh my. How much do you guys spend on vapes? $100 a month. No. Unconfidently. Well, if he loses a vape... If he loses a vape, which is often, because he's super clumsy... What are the red flags? 60 bucks each. Easy. What are the red flags? The amount of subscriptions we have for the business that is not making enough money. How about that? We don't need everything to be automated. And for Google Workspace and all these other things.

1:01:24The only way that I can imagine scaling this business is by doing things like automating the work. If there was more work coming in, we'd be totally swamped and fall behind and let people down and not get these gigs in the first place. Right. And it just feels like, yes, it's too expensive. I'm finally finding a way to make it work. I can do the work I need to do and have a day job, but I can't have enough of a day job to pull enough in. It's like, I admit it, it's like exhaustion. It's not just like overspending and the lack of money. It's just feeling so beaten down trying to make it work. Like, because everything tells me it should.

1:02:05Everything that I can see from year to year says this works. Yeah. Now, stop making lifestyle choices that prevent it from working. That's both of us. What do you mean? I mean, vaping is a good example. Like$1 ,200 a year is a pretty significant chunk of our income, but we're both guilty of that. I think the frequency with which it's not just a purchase that we're saying to ourselves, like, how does this make us more money? it's a purchase of a kit it's a purchase of a whole setup whether that's a sewing machine and various types of fabrics and then totes to keep the fabrics in and then you need a space like a storage unit because you don't have enough space home to keep everything like hobby hopping and it is like it's how the aerial rig happened in the first place it's how like the reinvestment is just that it's still happening how are you guys gonna do this together well it's all those things that I feel like I'm working on the business with.

1:03:04Like, I want to make some costume stuff. I want to, you know, like make it work and not have to pay so much for costuming. So then I'll get the sewing machine and the whole kit and the fabric. And then like that doesn't actually work because I just pay more money for all the bullshit. And then I just sometimes I'm justifying it for the business. Sometimes it is literally just me being interested in something. Like I I learned how to tattoo, which was fun. I gave my roommate a tattoo for her birthday. Why don't you focus on something you can... Because eventually... You have that to pay off. What?

1:03:35Are you guys ever going to have a kid? No. No. Sterile. No. You ever want to... Well, which one? This one. Yeah, but you can still have a kid if you want to. Well, yeah. They just got to get all up in there. Exactly. I'm not going to have it on accident. Okay, you don't want to. No accidental kid. I have no intention to have it on accident. No intention. Exactly. Okay, cool. Okay, so that is a weight off. But what about a house? So we turn it because you can't hobby hop if we have financial goals. If you're holding back, hobby hopping, justifying every single hobby hop by putting it in the business and it's a write off.

1:04:04Like we're never going to get anywhere. Right. Well, with tattooing, I legitimately. You have taxes for last year that you can't even pay off. So you're hobby hopping. That's why I want like a career that is not the performer. Like the performing can move a little to the side for me. And then I want a career that is something else. like but tattooing just seems like a whole nother artistic endeavor so i don't know if i want to do that and nursing is like out the window because i'm in a different country so i can't use my nursing license here um and it's just hard to find like something that works on the side without letting go of the business like you said it's hard to get that like thing that is flexible enough so that i can actually focus on gigs you guys even have anything to look forward to on the future Well, okay, so no kids.

1:04:51I'm pretty, like, anti-kids, and I've also been on birth control for a decade, and, like, that's not exactly a fun experience, trying to trial and error a bunch of different hormones in your body. So it's, like, kind of his turn for a little bit of birth control. That's kind of how that went. I mean, that's the way I look at it. What, did you make him get a vasectomy? I didn't force him to get a vasectomy. No, I don't think there's even any pressure for me to get a vasectomy. I don't want to have an accidental kid because it bothers me so much how often that happens. And like— I was an accident.

1:05:24Like how I turned out. I just feel like the—what makes it a fight is that I didn't freeze my sperm. Yeah. And now we're having a lot of like buyer's remorse. My mom's very upset about that. My mom was very upset to hear that he got a vasectomy. And at the same time, that's my note. Like, honestly, I really want vasectomies to be a way more at least well-considered thought. Like, don't be—it's like going to the dentist for your balls, you guys. Just chill. Yeah, but if you want to get reconnected, it's like a 75 % success rate. That's true. But adoption's a thing. Yeah, but if you want to have your own biological kid.

1:06:06Like, the percentage isn't there. You're making the point. I agree with you. This is why vasectomies should be— That's what my mom would say. But my mom was adopted, and she's great, so we could adopt if we're even ever close to being financially ready for a kid, which we're not. Oh, and you couldn't afford to adopt a kid. No. That's why we have a cat. Yeah, we'll keep it off the table very intentionally because it would be irresponsible for everybody involved. Oh, and they're telling me apparently you have, like, some LED suits debt that there's no statement for? Yeah. What? I did mention that.

1:06:39Those are, like,$2 ,500. What is that? So you owe$2 ,500? Yeah, well, yes, basically. Okay, what's the payment on that? So that's what you're talking about, yeah. Yeah, we paid$900 already. Yeah, and you owe$25? Yes, and then that'll be due by June 15th. The total, the total. You can't even pay last year's taxes. And you owe$2 ,500, that's just about to hit, because whenever you get large chunks of money, you can't manage it, it just goes out the door. Yeah. I just... So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor.

1:07:21So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow.

1:07:58I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work, and course careers guided him every step of the way. And what truly sets course careers apart is that it's not just about learning skills, it's about landing a job.

1:08:33Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for$50 off the full course. Your future starts right now and Course Careers is here to help you shape it. It felt really cool because it was a collaboration with another.

1:09:06Yeah. You can't afford this. We got 30 % off because it's a collaborative thing. We're going to help test these dudes. This is what you do is you justify this stuff by looking at how much you're saving, which is just such a trap. Like we know better and you've done it before. So why aren't we like. But isn't there value to, like, collaborating with other artists and doing that and, like, establishing yourself with the other artists in the community? If you can afford it! You can't! Business first, around second! I don't know where the line is! The line is, can you afford it? No, you can't! You have debt!

1:09:46You can't even pay last year's taxes!

1:09:52Oh, fuck, I gotta write that down. How much was the IRS debt again? Last year's or this year's? three grand what do you owe from the previous year we're still paying off the previous year you piece of it how much Celsius I think we have not much we don't have much left on it it's like I'd have to look but maybe like 500 left it was like 2500 and then we paid it down okay okay 500 left and then the last year how much it's 1500 from last year okay well this year we owe three grand and it's three grand When you say this year, you mean last year. Right. Okay, so how much is that in total? Talking about taxes.

1:10:3245. What's their total minimum of the payments? That just got... $4 ,500. Because of the new tax season, I need to get a new tax payment plan set up. Yeah. So we don't even know. It's not figured out yet, yeah. Fuck's sake, dude. Fuck's sake. Listen, maybe you just... I don't know. I don't know. I'll get you an accounting certification for your business so you don't f*** the stuff from course careers. But you got to stop. You got to learn how to do s***, dude. This is so f***ing stupid. The gigs that we do are so good that it's so promising. It's so hard to, like, think about stopping. Yeah, but you have a gig.

1:11:09You spend everything to do it. Walk away with nothing. And then you're f***ed. We just need more work. Because you use a gig as a justification to blow money on things you want. Yeah. Yes. We just need more work. Yes. Yes! Yes. For f***ing sake, dude. Ugh.

1:11:32And if we want to increase revenue, we need to do marketing. Yep. This is something you've tried. What's the f***ing marketing you're going to do? It's another thing? It's another thing. No, what's your marketing strategy? Define it. Well, we don't have one because we don't have a marketing budget yet. What? You don't need a budget to have a f***ing strategy. True. Oh, guys, you do business the opposite way. Oh, for f***s sake. What marketing can you do? Well, social media is a good start, but we're not— What do you do on social media? I mean, right now, it's just our Facebook page and our Instagram.

1:12:03What do you do on your Facebook page and Instagram? What's your marketing there? It's really just, like, talking about upcoming gigs. Okay, you're a hobbyist. You're a hobbyist. You're a hobbyist. You're not a business. You're a hobby. You're not a business. You're a hobby. You studied marketing and didn't use that. I didn't study marketing. I did like one online thing. You were like ready to do something for us. 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.

1:12:49Get your head in the trade and make the investment decision that's right for you. Learn more at FINRA.org slash trade smart. A class and then didn't take the class, didn't finish it, didn't apply anything, and I can't get you in the office to work on these things. I did apply some of it. It just didn't last. You're good at everything I need you to do. You're so good at everything you need to do. There's so many things to do. There's so many things to do. Strategize. Yeah. I really just need some time management. no no you you need to not justify every purchase you do that too time management yeah well time management because it's like okay am i gonna program for this gig am i gonna get the burlesque act ready like am i gonna uh what is this ten thousand dollars out ontario okay what is this student loan that's my student loan for six six percent which the six percent only applies to like half of it or something.

1:13:43I think the one... The other half of the loan is like 0%. Probably. It's like the... It's the Canada versus Ontario. Thanks, socialist Canada. It's higher interest rates than here. Dang. Well, again, like part of it is 0%, part of it's like 6%. Anyway, I don't really get it, but it was like$26 ,000 and now it's only 10%. So there's that. Why? Because I've been paying it off since I graduated. But now I'm kind of like, well, the Canadian accounts are pretty drained and I'm not getting income from Canada. What do you mean accounts? Well, I still have like bank accounts in Canada. What income should you be getting?

1:14:19That's what I mean. It's like, I don't have Canadian income. Why should you? You don't live there. I was using the Canadian funds that I had in that account. Replenish. To pay off the student loans. Now those are drained. Replenish? Yeah, that's where I'm like running into it because. Replenish! With my U.S. funds? Yes. Well, I could, or I could just file Canadian bankruptcy and it would go away. They forgive the Canadian student loans via bankruptcy. Have you confirmed that? Because it doesn't work that way in the United States. Confirmed. I have been out of school for seven plus years. Yeah, but that's still my f*** you, though.

1:14:53It will f*** my Canadian credit, but it won't f*** my U.S. credit. It won't f*** your U.S. credit, but it might come up in questionnaires. What kind of questionnaires? For what? Questionnaires if you've ever declared bankruptcy before. Oh. But if it's Canadian bankruptcy, they don't care. I don't know for sure. I don't know either. I don't know for sure, but are you willing to take that risk? Because you're in the world of business. You might be looking at small business loans at some point, which don't, yeah, guys, because you don't even have a business plan. I called, I forget what they're called.

1:15:21It's like a licensed LIT or some three-letter acronym. Anyway, so I called them and I was like, hey, I'm having trouble paying off this Canadian student debt. What should I do? Which you shouldn't be. You're just irresponsible and you put money towards the things you want and it has nothing to do with your inability to pay it back. Like, your inability because you're irresponsible. So, fuck you. You shouldn't even be able to get it forgiven, honestly. They basically just told me to stop paying it. And your degree is nursing. You can't use that here? No, I'm only— You can't get licensed here, though, by taking, like, a licensing thing or something?

1:15:52No, I would have to go, like, straight up back to school because the type of nurse I am is only valid in Ontario. It's called a registered practical nurse. So, it's, like, basically between your LPN and RN. And, like, there's not an easy track because it's only Ontario. I know, but it's only Ontario that it's valid. So I would basically be starting from square one. Why would you get something that's only available in one province of the country? Because I had no idea at the time that it was only in Ontario that it existed. You don't look things up? You didn't look up the career you were going into?

1:16:22I just looked up the types of nursing. And that was the best fit for me. Okay. Apparently I did. Yeah. Yeah. Well, it was only two years of schooling to like get out and it was actually good. The degree's not transferable, but how many of the credits? I bet some of the credits are transferable. Maybe. You haven't looked into it. I did try to look into it, but I tried to look into it over COVID. So then nothing was like open and like. What wasn't open? Like my, the school in Canada was like. That was like a year. Yeah. In Canada, it may have been longer. Well, that's what I mean. So like during COVID, I was here.

1:16:53I was not allowed to work because I was like, you know, still visitor status. Like I didn't have my status yet. So I started looking into like, oh, like what would nursing in America look like? You said you went to school for marketing. No, I took like an online course for marketing once like years ago. Oh, certification? Yeah. And so I tried to look up nursing stuff, but everything was closed down at the time because of COVID. It's like my school like wouldn't pick up. Like most of the institutions that had anything to do with that were just closed. And I was like, okay. So then I just kind of let it slide after that.

1:17:24I didn't really like go back into it because I'm not terribly interested in nursing. Okay, is that all your debt? Because next I see crypto. Ooh crypto Is that all your debt? That's basically gambling But is that all of our debt? Sorry he's got some student loans as well So my student loans Okay how much? Mine are US federal or private? I got US federal FAFSA I've got like 7 grand that's unpaid That I've been staying on top of for the most part I thought it was like 4 ,500 That you still owed It's like 7? Don't talk about money so This is us not getting it That's what it says in your spreadsheet I don't know That's what it says from what you remember About the last time you looked at it Which was like in preparation for the show So pretty recent

1:18:17Good luck guys Is it$7 or is it$4 ,500? What's your minimum fee payment? On our On your student loans $85 I can manage that I can make it happen You can make the payment, but that means a lot more interest will be occurring because it's so low. Okay. So crypto,$4 ,833. Cool. Sell it. You wouldn't be, I mean, you've had a 32 % loss, so there's no capital gains to be paid. Swallow your losses. Pay off your high interest credit card because in order to make up for the Citi Double Cash you have, it would have to be earning 30 % in gains on top of the 30 % in losses you've done. So you need 60 % in gains.

1:18:58For that to even matter. Which you might get, but it could happen in anything. But this is like the 30%. We know for a fact that's a return on investment if you start putting that towards the card. And you are not credit card people. No more opening credit cards. You can have the Fizz card. Only allows you to spend what's in your checking account, so it's like a debit card. But you can just put it. Okay, are we going to sell this? I'm pretty ready to sell it. I feel like you're not. What is it in? What is it in? That one's in Coinbase. Yeah, what? Oh, duh. Bitcoin, Ethereum, and then like some randoms.

1:19:35Yeah, when she says some randoms, what she's kind of getting at is the fact that we were silly enough to match a friend's$1 ,000 investment when we certainly didn't have$1 ,000. That's almost certainly the 30 % loss, if I'm honest. Because that was that Luna coin that kind of tanked. The point being like, hey, that's in. like Cardano and it's in common normal used stuff. Sell it! Are you going to sell it? If you say I have to, I will sell it. You don't have to, but it is off deck. It's an instant 30 % return on your investment and actually it brings you to break even. It brings you to break even technically.

1:20:18That's smart. That seems like a great idea. Why would we hold on to it? It feels like we've got the stuff that it's like playing the long game the right way you can write it i this isn't retirement trust me no probably nothing nothing's in retirement you don't have retirement no i mean i think i actually have i'm like paying into social security somehow that i have no clue about i probably also have like some sort of canadian something from when i was nursing but i don't know how to access any of that so and it doesn't seem to It doesn't matter because I'm not in Canada. So I just like, I feel like I've just like let it.

1:20:57Solid or don't, guys. I don't know. Your business. You guys aren't going to make it. Your business isn't going to make it. So I don't even care. I want to prove you wrong so bad. I want to prove you wrong so bad. I don't care. Prove me wrong. $1 ,688 in our business checking account. Okay. Yep. I believe you. Okay. We subscribe to a Patreon on there. We got$80 of food. Right. This is in the business one? Oh, okay. And our balance went down from being over$2 ,000 to$1 ,000. Great. Okay. Low balance fees. Service charge fee. I'm so pissed off at that low balance fee. Like, why can't we just keep money in there?

1:21:36Because he spends it all on hobby hopping. I don't have access to the business checking. Just he does. No, but when a joint checking goes low enough or somebody isn't putting enough money into it, then that money has to come from somewhere. And it does. But if we just had$1 ,000 in the account, then we wouldn't get that stupid balance fee. And I feel like we've talked about this. Yeah. And I feel like I'm just. We would have$1 ,000 in the account with a lot less investing and a lot more contributions from both of us regularly from maybe more regular income. Where we could keep those accounts going up instead of down.

1:22:14I'd appreciate it. Guys, with how many accounts are left, you have to have way too many accounts for all. there's no way too many accounts well it's such a pain in the like i want by your choice i want it to make sense for it to be the fact that you have that you have a personal savings and a personal checking inside your relationship yeah and yet and yet the sheer number of accounts the way it works with budget apps the way it works with like even just trying to track each other's spending. Like, yes, it makes more sense to blend it. Dude, what is this? I see in this, oh, I see savings and then checking $10 ,709.

1:22:50Which one's that? That's wonderful. In Verve? They're all in Verve. That's why it's so confusing. That makes sense. That's great. What is it? $10 ,000 in savings? $7 ,000 and then $3 ,500 in checking. $10 ,700 total. That's our almost emergency fund. That's not bad. Why are we putting that towards debt? Because emergencies happen. We're so spooked from getting in the car. They do, but pay off the high interest debt. and then save up an emergency fund. Okay. That's not bad, guys. I feel like it's been a game of trying to just bucket water out of the boat that I built and it's never floated. It's like I built it underwater.

1:23:34Yeah. And I'm like, get this out of it. By your choice. Okay. I mean, this is Amazon, Audible. Go to the library, guys. Berkspace Mountain. You're the subscription one, for sure. Squarespace, I think. Amazon. Something One Mountain. Withdraw 81 dollars at some point of sale. Clarity Healing Our Health. See tickets. Shop Woodman's. Something The Family. Groceries. Yeah, Woodman's is groceries. SQPC. Squarespace. So double Squarespace. Yeah, we do have two websites. Spotify, ChatGPT, Dropout, lots of Google Ones, Asian Flamin, Zapier, McDonald's. So business expenses in there and that's not even the business checking account.

1:24:29So disorganized. Is that your account? Isn't it? Right? I thought that was the business one. Is this business? I think that was the business account. I could be wrong, but they're all Verve, so it's a little bit confusing. We had a business account before that. It just says, why did we have, is it business savings as well? It doesn't suggest business. Doesn't say business anywhere on here. That's going to be. Oh, my God. Guys. Wow, that is a pile, isn't it? More Verve. More Verve. $1 ,500 this time across the checking and saving. Okay. I feel like we just want to shoot low. I just want us both to make like 30K each.

1:25:12Yeah. I know how low that is. I know how dumb that is. Great. Then figure out a way to do it. I'm confused. You're not doing it. You're doing everything to not do that. So I don't make, I mean, McDonald's. I don't know, guys. Do you love our McDonald's? You know, it's more of her. If 2000 and this one, we have money. What are you guys keep doing? It's so stupid. Amazon, Amazon. Okay, real question, though. Is it bad for us both to have our personal checking savings? Because you guys overcomplicate things and don't know how to manage worth a dick. I'd have a business checking account, joint savings, joint checking.

1:25:48Make it simple. Okay. A simpler budget, you might say. I think we could pull it off. You guys have got about 14 ,000 hours just sitting aside. Yeah, you overcomplicate everything. just there there might be a lot of money set aside but it's like we sit there we try to talk about what we should do with it and then it becomes overwhelming and we can't make any choices and as soon as we can't make any choices it just sits and there's nothing done and you're right there's like enough coming in kind of there's the ability to maybe pay all of this off or to at least meet these minimum payments and yet like i can't sit and talk about like i need you to put this much money into the account this month and I need you to cover this piece of this like I appreciate it I appreciate somebody else saying that it does make sense for us to consolidate because like I've played it out it's nice to try and keep it separate and it seems to just make a mess well it's like I don't if I'm gonna get like a tattoo or something for me like I don't feel like he should have to pay for that so I've just wanted to keep my own account for you know autonomy and stuff and then but it does kind of overcomplicate it and then and then when we're communicating it's like guys what is wrong with this td account i have overdraft interest that's what the f is happening that's a canadian account what is happening why is there overdraft interest because i basically i lost the ability to log in when i got my new phone and so it it just sort of like sat there guys you can't manage a thing to save your life four thousand hours in retirement you can't do anything you can't do it well that's when i called about the thing because i was like oh my accounts are getting drained and then what should i do about the student debt and and then they told me like just stop paying it and i was like well that's not a good idea but it was enough to just like stop me from working on it for a little while you know there's a trend here of like not working on things because you're sick of like looking at them well it's like when i look at the spreadsheets it's super depressing to look at all of our just expensive.

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1:29:163 ,900 hits our account on a monthly basis on average. That's good. How'd you find that? That's a cool number. By the number you guys gave me at the beginning. What the f*** are you guys? It was like a good month. It was a good month. No, it's based on what you said you guys bring in on average. You guys answered that. Guys, what the f*** am I dealing with? Okay, your debt payments total are$717.72 on a monthly basis. What's your rent? Oh my How do you not have a number? 1308 is what we pay Together It's 1978 But then we only pay two thirds of it 150 a month ish Is that including internet? Utilities for us Let's say 200 Including internet That's gas, electric, internet Is that including internet?

1:30:11For sake guys For f***s sake, answer question. Phone bill, how much? Oh, I'm still financing my phone. How much? My phone plan is$80 and like$20 for some bells. And your phone plan? Is on the same bill, so it's, I don't know. It's more like$160. It's like$160. Because you had to get a really nice phone because you wanted a nice camera. Hey, finance bill is$240. Good, shut the f*** up. My gosh, guys. You just need to answer questions, please. I'm just trying to get numbers. I'm sorry if you're being irritated, but for f***'s sake, just answer the questions. Bring it on. Oh, my gosh. Switch the helium when you guys are done paying off your phone if T-Mobile works there.

1:30:50Because then it's much cheaper, like$15 a month. Nice. For a line. And I can call Canada? If they have T-Mobile? Oh, yes. Yeah. Okay. Great. Okay. Transportation. Gas, vroom, vroom, drive, drive. How much? $150 every two weeks. Age? $300 a month. Total. Good. Car insurance? $85 total for both of us. That's not bad. That's also renters. Not bad. Okay,$600 for food. Use the cookbook. TP fun,$200. Anything else you guys need to survive? Okay. Medical? Healthcare? Anything? Health insurance, right? And then dental. Yeah, how much? How much is that total? Sorry, debts or just insurance? You have medical debts?

1:31:35How much of medical debt? You have... I asked how much is this all your debt, and you said yes. Because it was all my debt How much in medical debt? Three grand And are you on a payment plan? And there's a new MRI that hasn't been added yet How much will that be? I don't know yet Okay, is there a payment plan on the three grand? There is no payment plan Okay, medical payments on a monthly basis What? This is health insurance, this is out of pocket This is f***ing co-pays Sorry, I'm still shocked Medication I'm shocked that I'm not hearing a number 120 That's it? Medical on a monthly basis? Okay, gym?

1:32:16That is... 50 and 85 for 135. Okay, 135. What's the health and age of cat? He is like 7 or 8-ish. Pretty good health. Okay, no pet insurance then probably. Too old to qualify, I think. No, we did get actually a pet insurance. Oh, you're on pet insurance. It's going to be$35 a month. Okay, get pet insurance,$35. How much for cat food? I'm going to say like a big bag of... It's$60 every two months. Yeah. Okay,$30. Anything else that needs to be in your budget? Yeah. So the subscriptions is a really good one. Okay, yes. How much for business expense? Because you're looking at... How much? No, because this is net, guys.

1:32:59Your income was net. So that's not including business expenses. But they're partial. Things like Spotify being like 50 % of a business expense. For your business? Yeah, that's how we play the... Okay. That's including your business expenses, which comes up before your net income. Spotify, Zapier, Google One. But there's nothing that's not a business expense, right? I hear what you're saying. Audible, Paramount, Netflix. You're canceling Paramount because there's nothing on there. You're canceling Netflix because it's all shit. You're canceling Audible because you're going to go to a library because you live in a major metropolitan area and you're not a fucking child.

1:33:37Well, cancel WoW Presents Plus and NordVPN. No one's ever heard of that. Yeah, fine. You can cancel that, too. RuPaul's Drag Race. Sure. It's a great show. I just didn't know it was still happening. It's, yeah. Okay. Still going. Season 17, baby. Sure. Congratulations. Yeah. You're about$200 under what you guys need to make. That's right. So$4 ,772. Honey, the income is the situation, but you guys shouldn't be in business together. I don't even know if you should be in business. You need to go out, get a real job, maybe manage the business, work that stuff on part-time, just show up and perform.

1:34:10uh good luck guys you are so beyond disorganized and on on the same path together this is uh really bad really bad really bad really bad really bad really bad and i'm just i'm just over this conversation what a oh my gosh guys join us in the post show join hammer elite in the description below for the best youtube membership on the platform the platform themselves even acknowledges that and that is because we offer more than any other youtube membership thousands of hours of content a show every single day your hammer financial score spending in a budget you overspend 0 out of 10 off guys you think you're just you love yourselves debt we do we have that there's irs debt and medical debt 0 out of 10 emergency fund mercy fund yeah there's some money yeah there's pay off the debt you guys have the money say this is so this is But beyond, just take every and put them together, and that is this.

1:35:08Emergency fund. I said that because you look like someone that wouldn't like that word. Okay, emergency fund. It's a really fun word. It just has to be used in the right context. And then the emergency fund will be like a, well, no, no, no. Because of where the emergency fund is, it's at a 10 out of 10 now. You just got to put it towards the debt, which is a 0 out of 10 now. Turn it off. Actually, no, it's not because you own your own business, so it's 5 out of 10. because it needs to be double. Retirement, you have a little bit there. Crypto. It's a modifier. It's going to be about a 2 out of 10 real estate.

1:35:38It's not a score yet. Hammer financial score, 1.5 out of 10. That's not that bad. I'll see you guys in the post show. And make sure you download the budgeting app if you don't want to end up like them. And sign up for the annual version, and I'll send you our cookbook, which you can't purchase anywhere or get anywhere else, mailed directly to you, signed by me. See you in the post show. They just told me something. They just told me something so f***ed. And this explains everything. This explains everything. You know how they survive? You know how they survive on a monthly basis? They survive because they rely from her a** because they don't make enough to survive.

1:36:14So you think they'd be getting more elusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.