He Needs To Divorce Her | Financial Audit

26:10I don't know. No that's just me being jealous. Okay I feel like the tone of this starting to shift from... I think you're overbearing in a little... Maybe a little bit, but I think it's valid. Why do you think it's valid? Because it's honestly just a codependency relationship and then you kind of wanting to... everything. He can't be nice to co-workers? I mean, I'm struggling with that. Okay, well, that's besides the fact. That's besides the point. Is it? I don't know. You set him up as he's a compulsive liar. He's this, he's this, he's this. And we bring up examples. Oh, he went and got a meal without talking to me first.

26:55It's like, okay, does that mean compulsive liar? Well, okay. So I'll tell you this. At work, he was trying to give like one of the passes that he had received for the concert after the fact because he met up with one of his workers that saw him there. so he asked her if she wanted the pass on text before he asked me about it. Like if I wanted it. You may have just wanted to gift it to a friend at work. I don't know. Okay, but he asked me after. He asked her. Has he ever cheated on you? Okay, no.

27:35What are we doing here? You're like self-fulfilling. No, no, no. You're self-fulfilling prophecy in this thing. Maybe a little bit. Push them into a corner. Yeah. Why? If nothing's bad actually happening, then stop projecting that something bad is happening. Because that just manifests it in a way. Yeah, I don't want that to happen. But you're almost doing that. Yeah, but I'm trying to work on it. Okay. Hey, big guy. Have you ever f***ed anyone while you've been with her? No, absolutely not. And that's what I thought. Oh, no, no, you're good. You're good. You're good. You can have your hat back.

28:17Thank you. Oh, apparently she's jealous of a lot of women. That sounds about right. Why? Why do you think? Could she put the headphones on so I can say? Yes.

28:31What is she, native or Mexican? Mexican. Okay. She has a... Give her some trumpets. Yo quiero Taco Bell. She has a self-image problem. She's seen some of the exes I've had in the past, and I feel like she's had an issue with that sense. She's not unattractive. I know she's not. I think she's beautiful. But I dated a model at one point. Didn't last very long. She didn't want to stay in Roswell? Yeah, pretty much. Yeah, she left. Okay. Well, I guess it was more her family moved away because we were both still underage at that time. Go on, keep going. But no, she has an image problem, I believe, with herself.

29:13And so the second she sees me talking to somebody else, as well as possibly some past trauma maybe. She's talking about just your coworkers. I only talked to one female. She says you're overly nice. I'm nice to everybody. I mean, I don't see any reason to be rude to anybody. I'm very respectful, yes sir, no sir. That's how I was raised. I mean, if I'm nice to somebody, I'm nice to somebody. If she has a problem with that, she can bring it up to me and I can try to move that behavior. But if she comes at me from a place that you're cheating, I'm just going to say no because I'm not. If that's as far as it goes is you're cheating, you're cheating, you're cheating.

29:48Where am I supposed to go with that? I know. I kind of agree. I'm with you on that part. And then I think she's in the right when it comes to you and your money and just she can't trust you with money. Now, I think the micromanagement of every single purchase isn't always going to be the most healthy thing. Sure, maybe a little when we're trying to get it out of debt. It's important at first when we're changing behavior. But that's also a bit toxic. A lot of codependents, she really made it sound like she's only stayed because, oh, now we have a kid now. Oh, we moved in together. Oh, we're dependent on each other.

30:21She makes it seem that way. And when she's upset and she's arguing, that's exactly how she acts. That's what she says. Yeah, that's exactly what she says. How does that feel? It hurts the hell out of me because I feel like in my personal space, I feel like I try really hard. I'm constantly working. And just recently, we had a huge argument that almost ended in me just walking away. Oh. I was really, really upset because she constantly badgered me about cheating, leaving her this out of the other. And it was a situation of I got super tired of working all these extra hours. And so she first started with an argument about finances.

30:57I'm not making enough. We're not surviving. And I said, OK, I'll work more. So I picked up extra hours. I did more work on the side as a mechanic. And so I did as much as I could, worked as many extra hours as possible. And now it was an issue of I'm not around enough for my son or my family and I'm not there enough and I'm not this enough. And at that point, I was not sleeping. I was up for 48 hours straight and it was a constant argument back and forth. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is.

31:39We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below.

32:17Your life will change. It'll be incredible. and I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. DollarWise.com. Let's f***ing go! I felt like I was damned if I did and damned if I don't. Has that ever changed? That has to just be changed in couples therapy or something. That's something she's just... How often does she do this, bring this up? It's like cheating and... So cheating isn't very often, but leaving or not being there enough or just picking an argument for no reason. For me, I feel like no reason. is daily. She's cooped up at home, though.

32:52I tell her to go out. I tell her, like, take our son to the park, go meet somebody. Yeah, but it's not about taking the kid, though. She might need a little away time and go get her nails done, whatever she likes to do. I don't know. I don't know what's in Roswell, but... There's not a whole bunch, but there's enough to go get some stuff done. And that means, you know, maybe you watching the kid or grandma watching the kid sometimes. Yeah, and I mean, when I'm off, I'm fine with doing... How many hours a week do you work? Uh, if we're talking just my regular job anywhere. Oh, just average, come on.

33:24Average? About 80. 80 a week. You're not making enough money to justify 80 a week. Okay. Okay, you're good. You're good. What the f***? Why did you just berate him after he was awake for 48 hours of being a cheater and all this stuff? I guess I know he f***ed a Calvin Klein male model once in the past. We know that. Okay, very good. but besides the model who moved away before meeting you why? he was up 48 hours and you were just he's always working 80 hours a week you just berate him, berate him, berate him and you're like why? you cheater, you cheater, all this he almost left in that moment why?

34:07why'd you do this? because I forgot to leave out I left out something important that she was flirting with him who? who? The worker that he works with. Was she flirting with you? Yeah. There's been a couple points of what she's flirted with. How do you know it's flirt? Asking for my number when I'm getting off, when we can hang out after work, stuff like that. Yeah. Yeah, yeah, yeah. No, that's crossing boundaries 100%. Yeah. And I've said that. That's her doing it, not him. But I feel like he's entertaining it if he's still talking to her. No, absolutely not. Well, he has his number. But I work in a professional setting.

34:43Oh, she has his number. Yes, they have. For work, yeah. I texted her if she wanted the pass. Oh. Oh, that's the person you texted? Oh, this is massive. Oh, but like she's seen the text. She knows everything. Like it's not like I'm doing anything outside of work. I didn't know about him offering the pass before me. I had to like go in there and like read the rest. Why did you pick her over her? Say that again? Why did you pick coworker over her to send the pass to? Two hours before I even messaged this girl about the pass, I asked if she was interested in the person that the concert was for. and she said no she's not interested in anything at all and so I was like well the person there oh then that's fair but that doesn't mean I don't want to pass we have too much as it is oh guys this is so messy what the have you guys gone to couples therapy is that even an option in Roswell I want to go to couples therapy and we brought it up together but he says we can't afford it and like we can't I would be able to, but even like a session a month might be worth it.

35:46I've told her I'm open to the idea as long as she's willing to like work with us a little bit just until we can get the breathing room. The therapist? No, no, no, no, no. No, her. As long as me and her can work through this a little bit longer together as a couple because I'm, I swear. How close are we to leaving? It's, I walked away just the other day and I had to come back because I was really upset. Yeah. This thing's on the brink. Okay, I didn't know how severe this was. Get into this. This is a mess. Okay, I know that was a long intro, ladies and gentlemen, but I think it's well established now, the baseline of this conversation, because that's what I needed to get to the bottom of.

36:26Now we can get into these finances and add some context to it. Want to come on the show? Go to CalebHammer.com slash apply. I'd be happy to have you on here in Austin, Texas. What is your household hammer financial score? I'm going to count down three, two, one, and on go. Three, two, one, go. I want you guys at the same time to give me a score. Zero to ten, zero being the worst, ten being the best of the household. Okay? Three, two, one. One. Two. Okay. Now you think it's a little better? I do think it's a tiny bit better. Why? Because I feel like even at the end of the month, I still feel like we have a little bit of extra and despite...

37:06You guys almost missed your mortgage payment? What's that? You guys almost missed your mortgage payment sometimes? Almost, yeah. This last month. But we always pay it off. I've never been late. We've never been late. You've almost been late. We're always almost late. We're always, but most of the time. Also, why are you so insecure? He said you're insecure about your body and looks. Childhood trauma? What, did your mom tell you you're ugly? Well, she calls me fatty. Are you fat? I guess so, yeah. Yeah, I'm fat. I don't think so. From this angle, I don't think so. I'm getting some head shakes now in the back.

37:45Well, I was a fat kid. I'm getting multiple head shakes now. I was a fat kid. Well, you're not a fat kid. If you want to get your financial score and see where you stand in the world of finances, take the assessment. It is free at calebhammer.com or dollarwise.com. And if you don't want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app today. Take the free trial and if you like it and you want to save a lot of money, sign up for the annual version and I'll send you our budget-friendly cookbook signed by me, mailed directly to you. And if you want to bundle it with all of our educational products together, you can get that for 80 % off by joining DollarWise Central.

38:18Go to DollarWise.com. Let's jump into this money, yeah? Yeah. Big money! Now, are these like separate accounts? Are we joint on these cards? Were we? Most are separated, but we do use them together. Okay. So whose name is the Home Depot under? Mine. Okay, what's going on with this card, guys? Bunch of house renovations. Yeah. So we're just locking in on Roswell. Because you're working 80 hours a week for not much money. You meet the income threshold needed for that area, but at 80 hours a week. Why is this a place we need to stay in? Because sometimes we're just going to make life moves. How old were we when we bought it?

38:57I was, I just turned 19 when I bought that house. Yeah, we own a house together. It's under my name, though. Do you guys have to stay in Roswell? I mean, that's where family is. You're not even... Your kid's not even seeing him. He is. He does see that. He sees him almost daily. Yeah, I go over there daily. Is there not a larger metro close by? Not really, no. What does the future hold for business? Ask nine experts and you'll get ten different answers. Bull market, bear market, rates up, rates down. Everyone's just guessing. Can someone please invent a crystal ball already? But until then, over 42 ,000 businesses have future-proofed their companies with NetSuite by Oracle, the number one cloud ERP that brings accounting, financial management, inventory, HR, into one smooth platform.

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40:17That is netsuite.com slash hammer. Let's get back to the episode. That's within close range because when you're talking. Two hours away, maybe. Geez. Why the f*** are people there? Oil field? Yeah, oil field. Why don't you work on oil? That's money, man. I've got too many family members that are in their 30s, 40s that are already feeling like their 70s. Okay, but temporarily. I've considered it. I'm not saying grind it out, right? I've considered it, but she's saying it's too dangerous. Yeah, there's nothing anywhere. He's already put so much time and effort. There's nothing anywhere. Yeah. Oh, my gosh.

40:48Where's anything? So Albuquerque from us, like the big capital. I don't even want to live over there. It's about five hours. Yeah. There's Lubbock, Texas. That's like two hours away. Oh, my gosh. Guys, but Texas is worse for security. So security where I'm at. 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.

41:25Prices 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. Yeah, you're making no money, dude. But I guess at one point, we were almost set financially free. So we bought our house and we considered, we bought our house. There was a beauty parlor next door. They sold out, sold away. And because now that. Mixed use? Yeah. So now that it's... Oh, neighborhood in Roswell? I mean, we were kind of in the middle. We're moving to Roswell, New Mexico. Oh, like zoning? Yeah, zoning is just whatever you want to put there.

42:08Oh, I love it. That's how it should be. Let the market decide. Yeah, but we were living at the house we bought for a few years. We ended up moving back into his childhood home because we wanted more space for our child to grow in. How much space was the other home? So our current home is 7... 840 square foot. And we're moving into roughly 2 ,200. That's fine for a two-year-old. Too bad. Come on. Come on. You want more space. Yeah. You. You. Yeah. It's tiny. Not for the kid. You. Okay. The kid as well. People live in that. You know how many families... Generational. We live in the largest homes ever in human history.

42:49What do you think humanity has done for hundreds of thousands of years? Shut the f***ing. Come on. That house is also old. So it's like really. Old doesn't mean anything if it's okay. Well, I don't know. I'm assuming it's not good. I have a sneaking suspicion that there's probably a mold. Oh, good. Sneaking suspicion. That's. Let's pack up and leave. Yeah. How about you get it confirmed? Well. Oh, yeah. No, you just want a bigger space. Shut up. Yeah. But. That's all it is. Well, I thought he was the one that was financially stupid. And you're out there advocating. Well, he agreed with me. Advocating.

43:23No, because we moved into his childhood home, which was free of rent. So it was rent-free. Yeah, we were going to. That was the plan. I'll explain this one a little bit easier. We were planning on selling our current home, the dispensary next door to us that moved in. That's why we moved away specifically. We don't want our son next door to that because you could smell the weed constantly. It's not something we want to raise our son around, not something we're interested in. So we lived in my childhood home for three, four months. That's not next to the weed. No, it's not next to the weed. It's out in the county.

43:57The other one's next to the weed. This is where I grew up. Family Street. Family Street. Keep going. And things were great. We actually got a cash offer from the guy who owned the dispensary to buy our lot out just so we could expand his$100 ,000. Oh, Roswell. Keep going. But that was fair. It would have paid off our mortgage. It would have paid off all our credit card debt and given us a few thousand to just throw away into an account. Sure, you would have gone back into debt, but yeah, go ahead. Keep going. Yeah, hypothetically. No, you would have. 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, like tea time you.

44:41Mmm. 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. Mmm. So update on Dave It's up to you We'll take the laundry Rinse It's time to be great Your opinion but Buddy I've seen what you did with your 401k You tit What the fuck you talking about I mean you never know how things can change with situations But we lived there for a few months And My uncle was like Hey your cousin's gonna move in next door Because he's bad financially with money And he's gonna buy a double wide move into the lot next door to you. It was all owned.

45:24This big lot was owned by just him and it wasn't sectioned off into different plots. Because of a zoning restriction, they had to now kick us out. So he said, hey, you got 30 days to get out. Okay. So like two weeks. And we explained very, very fast. Hey, we are about to close on the sale of this house. We cannot. And at this time, we'd already put... We'll move into an apartment. I don't know. It's not viable. Apartments are way too expensive. Rent the house, perhaps? It's still expensive. I'm talking a temporary thing. I don't know if we could have afforded it financially. Okay, keep going. But we got told four weeks to move out.

46:10We said, we can't do that. Not possible. I don't think it's your choice, but yeah, keep going. but uh then at the end of the three weeks and this isn't a legal notice they just sent us a text saying hey four weeks get out even though house was in my name pretty much well trailer trailer not the land it was in his mom's name well the trailer means nothing it's the land okay what happened what are you talking about so we got kicked out and we were homeless for a little bit homeless we had to crash with her mom but you did not oh okay so you didn't okay come on And you didn't sell the house No we had to move back in there So you're next to a dispensary right now Yes we're back where we started But we were putting on that card On the Home Depot we were also renovating Our house and then his old trailer home Renovating a trailer Yeah it was a A bunch of paint to paint the place So you're almost financially secure And speaking of financial security We are over the limit by$762 On the Home Depot card you.

47:14What are we talking about here? All to renovate a trailer? Yeah, that got taken away from us. What? Well, we don't live there anymore. We lost all that money. Why didn't you move it? We weren't able to. They gave us no choice. It was his mom's trailer, so she ended up selling it to his uncle, so she didn't have to deal with it. But it was a situation where there was like... Why would you put money into someone else's trailer? Because it was supposed to come to us. There was a condition in the will. There was a condition in the will that we're supposed to be able to live on that land for as long as we're living there.

47:49And then they cut off the sewage and water to that trailer. So we had to move. Okay. It was unlivable for us. Oh, wow. You sent a settlement letter to your uncle over the trouble and he sent you a cease and desist? Yeah, he sent a cease and desist. Oh, my gosh. So not only is your family dynamic, your entire family dynamic. I blew up that entire half of the family and I don't regret it because they've been terrible the entire time. Hell, my aunt tried to pick a fight with her over it. Yeah. But that's not why we sent the settlement letter. It's because we had left some of our stuff there. And they ended up taking a bunch of his stuff after telling us to move it out after a certain time.

48:28But it wasn't that time yet. And they ended up moving it early. So he ended up calling the sheriffs on them saying like, hey, they stole my shit. So messy. Okay, I want to go back to this home depot. So this is all renovationable. And basically. Most of it. Or tools. $201 minimum to payment tools. Q-tools. Why? How long does this take to pay off if you only do minimums? What's the paradigm? Only do minimums and you don't purchase, which I know you'll purchase. Balance is$6 ,662.45. Eight years. Probably like 22. 21. Mid-40s.

49:14Yeah, just for the renovation on a trailer, that wasn't even yours. Right. Yeah,$1 ,000 this year so far in interest. That means it's going to be like a$3 ,000. No,$1 ,300. It's going to be like a two.

49:28It's going to be like almost$3 ,000 by year end. And interest gone. Dude, that's a month of your income working at 80 hours a week is gone to one card. One. Yeah, the interest rates are insane. The balances are insane. You have fees. I think we've had two late fees this year. So we're late on these. You're bad? Yeah, because I'm the one that... Why the f*** are you managing the finances then if you can't pay your s*** time? Well, because, you know... Oh, you have nothing but time. Well, no, not necessarily. I forget sometimes. Or he doesn't give me, or we're behind, so we don't have the money at that time to pay.

50:04Why are we spending$800 going out to eat? I didn't know those were ever late. That was never a conversation brought up. Why would you never tell him? I don't know. He doesn't ask. Nah, that's not how that works. Whoa. What the fuck? If I sit and sulk on something that, you know. I work, so I feel like. I should just never tell my girlfriend unless she asks. I should just sit there and pout. No. What are you talking about? What an immature way to live. In my defense, I feel like he just wouldn't care. Of course I care. Like it's an oopsies. like, you know, my bad. Would he care or is he changing his tune on the show like you said earlier?

50:45I don't, he probably would, but I feel like it'd be like a, oh, okay, that's okay. Like, we'll try better next month. Well, yeah, of course I'm going to try and give you positive reinforcement. So I already know the positive reinforcement. What a mess. You can use the FizCard debit card that builds credit because you guys can't be trusted with a regular credit card. And I'll get you a course career certification for both of you if you ever moved to society and civilization and want a job that makes money. Maybe you can do something remote, but probably not. I don't know. Fuck, man. Okay. Yeah, this is insane.

51:19A lot of them were 0 % interest things. Some are still at 0%, but they're about to... No, they've ended. So, yeah, they ended this month. They ended in one day and three days.

51:37great which means deferred interest of about $400 is about to hit this card now you're going to be over the card by over$1000 in three days all because we can't communicate because we're not willing to talk because we're not willing to cut back on spending for fast food because we're not willing to have a cold deli sandwich for lunch what are we doing guys the sacrifices that we need to make to do this. It doesn't sound like... But you guys haven't done anything. And every time you have the conversation about it, you guys say you just fight about it. So it doesn't sound like we're willing to. To me.

52:12We are willing to. We just need to get our shit together. How do we do that? You guys can't talk. That's easier said than done. Yeah. That's where I feel like a couples therapist would come in handy. I agree. So we've talked about couples therapy? We have. We've communicated about couples therapy and we talked about it. And I said I'm open to it. I'm perfectly fine with it, but we need to get into a place where we can financially afford it. How can we do that if we can't talk about... How can we get to a financial place of affordability if we can't talk about our finances and what is required to cut it?

52:48That's where we're stuck. That's kind of why we're here. Hopefully to get a budget that we can try to stick to. I'm also being told the family drama was the worst because grandma's the one who lent them money, you guys' money, for the house originally at$10 ,000. Never paid it back because she died, but the uncle wants the money back. And that's why the uncle hates you guys? I feel like he's just upset because he helped us with the house. Because she helped us with the house because I was always there for her when he wasn't. And so I feel like there was a bit of a more of a jealousy issue there.

53:15She helped us with a down payment to our house. Yeah. That's so f***ing weird, guys. You guys are so weird. Okay, Lowe's. Great. Yeah, let's have the other store card. Whose name? Mine. Okay. Okay, we owe$1 ,348.36. Minimum monthly payment of$28. What's the limit on this guy? Okay. It's close. It's close to the limit. Very close. Four years to pay this off with the minimum, no purchases. I'm very curious to see you not purchase things. We'll see. You'll want to sell the house and you'll find a way to spend money on it to renovate it. Well, the card's closed. Yeah, that's a closed account. Oh, thank?

53:56Why is the card closed? I miss too many payments.

54:27Visit phrma.org slash middlemen. So it wasn't even from you waking up and trying to mature and better yourselves. Because you can't manage credit cards. You just miss payment, miss payment, miss payment. So they're like... There's so many to keep track of. Auto draft? Well, we can't auto because then if we don't have enough in the bank account... You can pay some... Listen, what's your earliest date that a bill one of the credit card payments is due in the month? No, the first. The first and bring the other ones to the first. And then all of a sudden you're up to date. Like whatever one is on the fifth, bring it to the first.

55:02Pay all of them on the first. Pretend like you have to pay on the first. Then you'll be fine for the month. Well, I can't. So you don't have to think of all these extra little dates that are happening. I can't trust him to not spend the money in the bank account. Oh, I'm being told you're still planning upcoming projects for the house? Yeah. Oh, what are we doing? Why? She really, really wants. I don't give a f***. Go on. She wants some things added to the house, like a little front garden area. F*** you. Go on. She wants a side gate for the house. F*** you. It's for her son. So he doesn't run into the street.

55:33That's what parenting's for. Yeah. The gate? Yeah, we want to build a gate. That's what parenting's for. He says that's what parenting's for. Yeah, I didn't have a f***ing gate growing up. Okay. You're not going to walk next door and smoke a d***. You probably will. No, I'm joking. They'd probably offer it to him. Probably. But there's a bunch of crackheads around, so they just walk into our backyard too. What the f*** did you buy there then? It was cheap. It was a cheap house, and it's probably half of it. It's usually cheap for a reason. Yeah. It's fair. Okay. What else? When you walk into a Burlington, you're walking into amazing prices and great gifts.

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56:38That's about it. I think I wanted to build a shed in the backyard because we have too much for how much square footage is. We are not spending money on this crap. The gate, I can almost get behind. Garden, f*** you. Shed, f*** you. and I know you probably want to install a glory hole too. Fuck you. Listen, we can't spend this money. We don't have this money. You've maxed out all these cards on projects. We do not get more projects. You have no money. You have closed accounts because you're not making your payments because you have no money. There's no money to do this. Why do you get to prioritize your wants instead of getting your household under control for the sake of your fucking kid's future?

57:17Well, it's not like I can't anyway because - Huh? Why? Because the credit cards are over limit. So give up? I mean, no. So give up? Pay them off? Yeah. I don't know if you're doing that when you're doing projects with money you don't have. So what are you talking about? Well, we can't anymore. So now we can focus on paying it off. No, there's three scheduled products, you little tit. Yeah. We'll put that in the background. Hey, you can pay them off, by the way. if you let grandma of the grandbaby watch the kid twice a week. You do three, she does two, you work part-time. If I work part-time, it's just gonna mess us up even more because right now we're on assistance.

58:00So then the assistance will be taken. Here we go. Oh, I'm so glad we've set up systems where people aren't willing to work because then they'll lose money from the taxpayer. Great, assistance should be taken away. If you're able to work, f*** your assistance. Well, but then I'd have to work full-time, and then that's time away from my baby. Grandma's there. You have to support. You will spend so much time with the kid. What do you guys get in assistance on a monthly basis? Roughly 372 in SNAP benefits. What? You'll make so much money. What? What's the minimum wage in New Mexico? I believe it's...

58:34Minimum wage is 12. But then I also... We also have insurance. Huh? Insurance. We can't afford to buy insurance. Yeah. What's the insurance through your work situation? I could get it, but it's real expensive. What would it be monthly? For all three of us, I think it's like$700 a month. Yeah. Now, you'd still be in a subsidized situation, I'll be honest. Like, yeah, you might have to spend a little on health care, but you'd still get dramatically subsidized at your guys' income situation. Because I'm saying work 20 hours a week, you'll bring in an extra$1 ,000 a month. That makes up for the SNAP benefits times too.

59:09The healthcare situation, yes, you might have to spend maybe$100 or$200, but you'll get subsidized. You get an Affordable Care Act plan. We've looked into it and I just can't figure it out. It just seems like it's too long. No.

59:27Big guy. I think she Listen, I went through the process for one person once and it took me about five minutes. It's not hard. That's why I've looked into it already. And I just looked into it. It's five minutes. Yeah. What more looking do you have to do? None. Because I know it's not going to work out for us. That's not true. I know you guys' income. I don't know. Also, we give up and we just milk the taxpayer. I'm sorry. That doesn't make sense. Well, until my son goes into school, you know, and then I'll go into work whenever he goes to school. This doesn't make sense. when you could go work part-time, you're choosing not to.

1:00:01You have a beautiful situation where you have a close family that can watch your kid a couple times a week. He won't let me work. You won't let her do a couple times a week? It's not that I won't let her. It's that we have to have a reasonable plan. That's all I want. I want a reasonable plan where we can figure it out reasonably. Okay, work Monday, Wednesday, Tuesday. And then you're with the kid four days a week, three days a week as a grandparents. You'll be very much raising the kid. We've all went through this. Come on, do not pretend like this is something special. And I will have to fend her because most jobs won't hire for that.

1:00:36I know Roswell's a very interesting situation. I don't know the market as well there. But, I mean, you might just have to go work at the dispensary. No, I don't want to smell it. She won't. She won't. Get in. I'm kidding. I'm kidding. But whatever you can pick up, even if it's a call center online. I can't find any. Oh, come on. What, you took a look for that one again? Yeah. I don't believe you about anything. No offense. I know you could work if you wanted to. It won't be perfect. Yeah. Watch some other kids. Bring kids over. Double up. Why? I don't want to watch anyone else's screen. Well, I need you to make money.

1:01:13I need you to make money, dude. You hear that? Plus, SNAP benefits are changing. SNAP benefits are changing with the new bill that was signed into law. No idea. How does it impact you guys? Do you know? I've got no clue. It adds work requirements. No, but I think it's for households with kids under over five, maybe. Yeah, so we're fine. We'll have to confirm that. But things might be changing. I'll take a look. Because this makes no offense. I mean, here's the thing. Okay. Snap is there to support you because you're low income. You have a kid. Fine. I vibe with that in general. But here's the reality.

1:01:51You then go do a garden in a gate in a shed, meaning in reality with how money is being transferred through thus us the taxpayers are paying for your garden because you're using the money that would go to groceries if Snap wasn't covering it to pay for a f***ing garden that you want to do. We are paying for your$800 going out to eat. We're paying$500 for that. That is how that math works and that is disgusting. Disgusting. I can agree with that. So premium tax credits, also known as the subsidies in the Affordable Care Act, especially adjusted with the American Rescue Plan 2021. There's no upper income temporary move through 2025.

1:02:38So only through the end of this year, there is no upper income limit. But your second lowest cost silver plan benchmark exceeds 8.5 % of your household's modified adjusted income. You guys won't be on Medicaid through New Mexico, but you'll be 100 % on a subsidized affordable health care act plan. But how much would that be? You will still make more working part time, 20 hours a week. You will. Then I can look into it. You guys don't make that much, plus you'll get a child tax credit regardless. I don't know. And you guys don't pay taxes. So we can't wait until he goes into school? Three years?

1:03:12Three years until we conquer any of our finances. Like two? Come on. Two years until you're going to just let this sit. Because you're not paying it off with this. Yeah, I know. You're going to go spend food that's subsidized by the taxpayer? Going out to eat? So we give you SNAP just so you don't have to work? I'm still taking care of my son. I know, but you're acting like no one else does this. And you're in a blessed situation where you get to honestly probably stay home four days a week if you want to do and work three. Come on. that is so blessed compared to what an average household gets to do these days.

1:03:48I will actually argue with you here, Caleb. I do want her to be able to stay home with her son. Every day. You're not willing to give up two days a week? I'm not saying. Three days a week? If she could find something remote, that'd be fine. Because at least then. But come on, two days, Monday, Tuesday. She can't go work? I'm not saying it's not a possibility. I'm saying we need to have something in place. Or you want the debt to sit and then have the child grow up in a financially stressful household, which is going to be much more traumatic than being seen grandma two times a week. Oh no, poor kid.

1:04:21I can't actually argue with that a lot. No, you can't because anything else besides that would be from the most extreme level. Oh, yeah. Yeah, let's not go work a part-time job when we have credit one. Literally the worst of the worst credit cards that you can possibly get. Meaning you're the definition of a just worse, worse, bottom of the barrel financial situation. Disgusting situation. credit one whose that'd be mine but I won't let it work meet the computer you can talk to with Copilot on Windows working, creating, and collaborating is as easy as talking got writer's block? share your screen with Copilot Vision to help spark inspiration and use Copilot Voice to have a conversation and brainstorm ideas or maybe you need some tech help with Copilot Vision Copilot sees what you see let Copilot talk you through step-by-step guidance so you can master new apps, games, and skills faster.

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1:05:21Oh, it's at the credit limit. Who would have thought, oh, no, it's not. It's over. It's over the credit limit. Oh, God, I'm glad we're purchasing when we're going over the credit limit, you dumb tit. Did you know this was over the credit limit? What the f*** is wrong with you? I did tell her it was over the credit limit. If she listens or not, that's up to her. I can say the same about you. Why don't you guys listen to each other? I try to. I feel like we bicker a lot. But you didn't listen to one thing she said in this conversation earlier. That was on camera. But go on. Go on. What were you saying?

1:05:52Rose or Crystal? What do we call Crystal? Whatever stripper name. We bicker a lot. So I feel like we just automatically tone each other out. Right. Okay. I feel like that's a her thing. She can just turn off noises in her head if she doesn't like them. Buddy, there was a part in this conversation where you said you tuned her out. I didn't necessarily tune her out. If you listen back to the footage, I would say that I kind of got lost in the conversation. I kind of just lost where we were. I don't even know what she just said. You don't listen to her? Of course I listened to her. I just, I feel like I kind of trailed off.

1:06:27Are you dumb? A little bit. I can just turn wrenches. That's about all I'm looking for. Yeah, and you should turn wrenches in the oil field for a couple years. A couple years. A couple years. She doesn't have to get. Choose. Does she work outside of the house? Or do you go a couple years in the oil field? I've told him to get a better job, like a higher paying job. Yeah, but oil might be the only option in Roswell where it's like just there's not many opportunities. That's about right. I've tried to go through the sheriff's department. It's just a matter of a fitness exam. But everything else is everything else I'm there for.

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1:08:18You will not regret any of these. Change your life today. A. Oil. Oil. Yeah. American dream. two years. Pay down the debt, get to a more financially secure position, maybe get a different house, and then figure out career opportunities after that. And I know you're a wannabe mall cop right now, so maybe you can become a cop, sure, but... That's what he's aiming towards. That's his goal. It's a related field. Oh, God, a late fee as well! That's what I want my public safety officers around me pulling me over, who has access to a gun, stressed about their finances at home. having late fees, and a wife that bickers at them, thinking they're cheating every moment they step outside.

1:09:04That's what I want when someone has a gun in a stressful situation. Oh, good. We also got McDonald's and Luna's at Home Depot. Wonderful. Fantastic. $59 minimum payment. That's incredible. At a 30 % interest rate. What was the Home Depot? Yeah, what was the Home Depot? The Home Depot would have been for the, I forget what it was, but it was something to fix the house with. Makes sense. But I would have thought he had the money to pay outright. What do you think was spent last month? What do I think was spent last month? Most likely, can I have a number of what I brought in? Yes.

1:09:55So payroll was$1 ,400. ATM deposit, I don't know where it came from. So cash,$864. All right. And then Cash App was transferred in up$1 ,000. So what is that? Almost three? Okay, so if I'm not considering your Dave Cash advance, can't wait for that. That doesn't count as income. That income from Cash App, I'm relatively sure was what I send her to pay bills. Yeah. Okay, so it was from one of the other accounts in general. Great, so$2 ,500. $2 ,500. Cool. What was spent? Probably$28 ,000. Probably like$3 ,000. Yeah, you run the household finances. So you think you would have the cash to then just pay for it, not put it on credit one.

1:10:39Also,$6 ,291. You guys, you don't know what's going on. Okay, who's the second credit one? That'd be me as well. Okay. Did you guys fly here? No. No. We drove. Yeah, I was going to say. My goodness, is there an airport near? Yeah, there's an airport there. that goes places? It goes to Dallas. Okay,$291.38. Yeah,$300 limit, so we're there. Fees. Oh, the last one was late, by the way. I forgot to even say that. $283 of purchases brought us all the way up. Interests will start accruing. $30 minimum payment. What are we getting? Oh, I'll tell you. McDonald's. All soups. Allation. eBay. Underground Coffee McDonald's Hangry Wagon eBay HTO Gamer Subs again and then only f***ed to a gay model times three?

1:11:40Yeah, sounds about right. Well, that's not a lie. Except that's probably the blacked out items. Okay, what the f*** are we doing? That's a disgusting amount of spending on bulls*** when we don't have money and we're sometimes, we're almost late on mortgage and we're late on every other credit card. What are you doing, dude? What a joke. If I have an available budget, typically if I get extremely hungry at work. Available budget? You mean available spending? Yeah, that's about right. On a credit card? Yes, sir. Okay, then close all your credit cards. You are not a credit person. You cannot manage credit cards to save your life.

1:12:12If you have debt to spend, you will spend it on McDonald's and Gamersupps. He opened those cards and he told me, he opened them to build his credit. Sure, and that's what everyone says. Okay, now you've... Close it! I'll do my best. I'll do my best? How do you do your best to close it? Can someone walk me through that? I believe you're not able to close it until the account is paid to zero. No? Typically not. Okay, because it was like that for my last Concora. Well, you'll have to call and ask. You'll have to call and ask to close. 12 months just to pay that off. Just here, a quick little McDonald's.

1:12:51It takes 12 months to pay off. It's food she could have made for me while I was sleeping for work. You eat at home. They eat at home for an 11-hour shift? Okay. You can make yourself something. Why do you have to rely on me so much? I'm not asking to rely on you. I'm saying you're home for most of the day. You can at least make me something. If you tell me what to make you, I'll make it for you. But I'm not going to make you something just for you to be like, I don't want that. Are you going to make me something or are you not going to make me something? I'll make you something if you tell me what to make.

1:13:24Okay, fantastic. What do you want her to make? Just a sandwich. Whatever I decide for that day. Whatever we have in the fridge. It's a little sexist, but... Alright, I'll make a sandwich. Alright, just don't spit in it, please. We'll not spit on it. So you will make a Sammy? Yeah, I'll make a sandwich. That's easy. You will eat the sandwich and not go out? Yes. Why do I believe no one? Okay, Quicksilver, who is this? Mine. That used to be a Walmart car that turned into the Quicksilver. Okay, so we owe$3 ,822. Guys, the debt on these balances for your income are insane. Insane. This is not a six-figure household.

1:14:08This is insane. Yeah. $138 minimum repayment, 18 years to pay this off,$28 of charges,$39 of fees,$98 of interest. Good death. That's the credit limit. No one's surprised. Litter robot whisker. Litter robot whisker. So we got some cats. Great. Past two feet. $39. There it is. Oh, not only that, but we've also had multiple this year so far in this card alone. Hey, if you're managing the finances, here's a little hint. Manage them. I try to. No, you don't. Anyone that tries is not late. Late, late, late, late, late, late, late, late, late, late, late, late, late, late. I'm late because. You're late endlessly.

1:14:52But it's his fault. It's your fault. Apparently. Is it your fault? I have no clue. Because he doesn't give me enough to pay it off. Why don't you give her enough? And why does it give? Typically. Why is it not just going to do a joint account? Because she doesn't trust me with the money. Because we had a joint account. No, put it in the joint account and then allocate it into a separate account for him to spend. Even though you don't have spending money. We don't have spending money. So he just takes spending money. Exactly. So why are you spending money? Because she won't cook for me. Oh, you guys.

1:15:20Oh, you guys are so lost.

1:15:27Take a chill pill. Thank you. It's okay. Sniff some poppers.

1:15:36Discover it. Who's this? Mine. That was my first card when I turned 18.

1:15:44$1 ,013.33. Oh, it's over the fucking limit. Guys. Guys, what is your debt situation for your income? I think we're about 50%. Total debt is 92 ,364. 50 %? That is not 50 % of your income. No, no, no, no. 50 % of my monthly is going towards the minimum. Oh, we'll see, dude. Almost six figures of debt. Oh, my gosh. Six figures of debt making, what,$30 ,000 a year? Oh, but that includes the house. Yes, it includes the house. but bad debt alone is approximately$16 ,000. That's insane for your income. I don't think you guys even comprehend. $73 minimum payment on this. Four years to pay this off. Oh, good, if it's not a fee.

1:16:31Good death, guys. $22 in interest as well. Are you kidding me? Can we not pay one thing on time? Sick, guys. Yep, there it is, late fee. How many have we had this year so far? Two. The insurance is$129 this year so far. What are we doing? Manage it. If you're going to take control, do it. And tell him more money needs to come in. Don't throw things in my life. Don't throw things in my life. I will. And I'll do it again. Yep. Why not bring more in and don't spend more money when she says do not spend?

1:17:09Can you repeat that? Oh, he's f***ing f***ing. Oh, we're going to hear about an oil fill explosion in Roswell. That was about a 30-second delay. Was it? To be fair, those late fees are the same. You're going to, to be fair, a late fee. Yes, yes. Listen, those late fees that are on the different cards are usually the same month because that month's stressful. Because it was stressful. Oh, you know what? Okay. I excuse it. I excuse it, guys. The month was stressful. Excuse has been made. You know what? You're right. Hell of an excuse. Thank you. Hey, guys, I'm not making payroll this month. This has been a little stressful.

1:17:59Okay.

1:18:04What are we? Oh, guys, you weren't.

1:18:09I think Roswell is like delayed by 10 years when it comes to maturity. It's also worse than education. Is it? It's the worst education in the U.S. Our state, yeah. Yeah, I know. New Mexico is a disaster. Who's the freedom card? Mine. Okay.

1:18:30I really want to make a budget for you guys, and I'm going to, but I'm just wondering, are these payments, is it even possible? We will find out. $459.32. It's the balance with the$40 minimum fee payment. Oh, good. It's basically the limit. Oh, good. Extra$83 of purchases. What you do? What you do? What did you do? It's just mainly like household expenses, like groceries or necessities, like toilet paper, shampoo, stuff like that, diapers. It was Walmart. Yeah. Hard to see what's at Walmart, but we'll see. What a fucking tip. No missed payments on that card this year so far. Late payments. Okay, who's the Capital One Platinum?

1:19:13Mine. Well, which one? You're the collector. Because I'm the one with the good credit, yes. What's your credit? It's bad now, but it's probably like high$500, low$600. The good credit. It used to be good. $195 of purchases on here. Nine months to pay this one off. Minimum to payment,$25. Amazon, Walmart,$30 of interest. Interest charging this year so far. What is this? I don't think it's Klarna, but it's one of those. That's Afterpay. Yes. Okay. That's Affirm. Oh, Affirm, who? Yes, those are mine. And those are also all paid off now due to the retirement pool. Yeah, but what is it now? Because you put it back up.

1:19:53I can look for you real quick. Yeah, look for me real quick, big guy. Why don't you pull up your Amazon real quick while we're at it? I don't think the Amazon charge was mine. Do you have access to the same Amazon? No. She could use mine if she wants. Separate Amazons. Most likely. We don't really use Amazon. So I don't know what the Amazon charge was. Okay. Just stop. It's 201. Give me your phone in general. Okay. Here. Give me your phone. That's a crazy name. I've never seen a name that looks like that. Apple TV Plus. Yeah, we really don't need that. And Apple TV is great. So that's all included in my phone plan.

1:20:29Hey, did you pull it up? You did? I did. It's 201. $201. Yes, sir. What's your monthly? Monthly. So two of them are specifically just pay off in 30 days. I'll just do that. That's a total of$150. A month? No, no, no. $150 total for the two that I have to pay off. Oh, yeah. You got Satellite Safe, Walmart, ZZ Performance, and we paid off our firm with a 401k.

1:21:00Klarna. What are we doing? Who's Klarna? That would also be me. Oh, what are you getting from eBay? big guy? So because I just got recently promoted to that$19 an hour, I needed a laptop to do a lot of... I thought you were going to say you celebrated and got dildo as your favorite porn star from... No, no. I got a laptop so I could try to organize everything a little bit better. I'm in charge of all the maintenance and everything for all the vehicles on top of my current position. I haven't seen him use that laptop once. I use it quite a lot. I do all of my... Mostly videos in private. That's why you haven't seen.

1:21:34Probably. He's watching some Kyler Moss. Am I right? Am I right, Colin? Am I right? I'll ask you for recommendations later. Denial is a river in Egypt. Your husband is gay.

1:21:52Okay. Aggressive. You eBayed a$200 laptop? Like, what the fuck even is that? What is the laptop? Yeah. It's a really nice... What brand is it again? I don't know. MSI. It's a really nice MSI laptop. Okay. Good luck. Dave. We're cash advancing endlessly on Dave. What do we use Dave for? Henry Wagon. Allsup's Wendy's McDonald's Wingstop Vending Machine. Allsup's Taco Philo Weeders. Central McDonald's. Swift, stop getting some bulls. Allsups, Burger King, McDonald's, Arby's. Arby's, we're pay advancing for Arby's. And we know you love the meats. We've established that. Allsups, 28 Snow Cone, DoorDash, Baskin Robbins, Luna's, Esperanza.

1:22:52Allsups, Allsups. What is Allsups? Allsups is a gas station. It's a convenience store. Okay, you're going in and getting some bulls because it's like$2. so you're going in and getting your little monster whatever you get. That's exactly what it is. I know I read you. Blake's Lottaburger. What are we doing with fucking Dave you tit? What is on on Dave you tit? Right now it's 75. Okay and I know you have to pay it to get it back but for fuck's sake 75 that's insane. Now I see a second Dave. Oh it's because we're overdrafted into our accounts. Overdraft, overdraft, overdraft. Also we can get some Bullshit.

1:23:29And I saw some Gamersubs on there too. Big Penguin Zero fan. No, no, no, not personally. It's like his brand. No, it's not. It's Schlatt's brand. Another overdraft. Upstart Loan 762 and it's just on a Google Doc? What is this? That one's for me. So I had a Concora card that had a max out of 800 and they would not let me close it. They refused to close it without paying it off. And it was at a 35 % interest plus a monthly fee. What's the interest rate on this? Zero. What's the minimum monthly payment? Zero for how long? Forever. It's a zero. Minimum? Yeah. It's a minimum of 56. 56 monthly. I pulled out 850 and they charged me 874, 0 % interest.

1:24:16We made it to the mortgage. What a cheap mortgage. Everyone pack up, go to Roswell. This is incredible. It's not cheap anymore. That's not a great cost. What's not cheap anymore to you? The mortgage. Well, for here, I suppose it's a lot cheaper. Anywhere. Remember, the cost of living, there's literally 25 % below the national average. Okay, $76 ,244.66. Minimum monthly payment of... Get ready for this. Mortgage minimum monthly payment, everyone. $640.66. And that includes the escrow. Oh, I know. 3.25 % interest rate. That's great. You guys got a good time. What's the house worth right now? 135.

1:24:59Guys, change your behavior and then sell it and put that down on another house and go work in the oil field. Change your life. Get in a better position. Get in a better place. There's so many opportunities here if you guys didn't just f*** away. $21 in this cash app. Wendy's. Sending it out. Downing key, boutique. You guys are spending so much. You guys go to the end of the day. That was a gift. Moving, moving, money. Okay, in this checking account,$24. Started with negative 29. Yeah. That's why we had all the Dave transfers for the overdrafts. Planet Fitness. But it was bounced. We bounced Planet Fitness.

1:25:36I thought he canceled Planet Fitness. And then he didn't. No, he still wants to cruise in those showers, man. He canceled it now. Because after that, I made him cancel it. Yeah, it's been canceled a while. I was aware that I thought I'd canceled it. I did not. McDonald's, vending machine, cash app, cash app, McDonald's, Amazon. Oh, here we go. Domino's, McDonald's. Got premium, pizza, McDonald's, tea, Amazon, McDonald's, Domino's, vending machine, tea, Sonic, McDonald's, cash app, McDonald's, cash app, cash app, PayPal, cash app, cash app, tea. Who's going to tea? HGO. I told you, you liked penis.

1:26:20Caporos, Whataburger, DoorDash DoorDash You f***ing DoorDash Who do you think you are that you can DoorDash Who the f*** do you think you could are that you DoorDash Cash up, cash up, cash up, cash up Domino's, cash up Swine's BBQ, Swine's BBQ Eagle, vending machine Going in and getting some Esperanza me What an insane Dumb Stupid I don't even see it in a savings account Is there a savings account? I don't f***ing know No, there's not All right. Well, I'm going to attempt in every way whatsoever to budget this. Here's the reality, though, while I add up these numbers. This is you guys talking in a healthy way.

1:27:04When's the last time you guys had a healthy financial conversation? Please. Maybe yesterday for all of five minutes. Tell me what happened in those five minutes. Had to sit down after I walked away and said that I can't do this anymore if we can't sit down and communicate. I can't do this anymore in terms of like relationship? Yeah, pretty much. And thoughts? Because that's brutal to hear. Yeah. Maybe he will go fuck his coworker. That's what I'm afraid of. Oh, come on. He'll do that if he leaves. Okay. Are you going to push him away? Oh, no. What did it feel like to hear, hey, I'm going to leave if we don't fix this?

1:27:37Surprising. Really? After you berate him constantly about sleeping other women? I've constantly tried really hard to stay. I'll leave. Huh? Usually it's me saying I'll leave. Great. Wonderful. How do you feel during that? Really, really painful. And then whenever she calms down, she immediately goes back on her word and pretends everything's fine like it never existed. Yeah, don't tell a woman to calm down. What else? Okay, so you heard he's going to leave. What? What was your incident? Well, I was like, well, it's basically his fault because if he won't change his behavior, then. Oh, that's what you want to tell someone when they say they're going to leave.

1:28:13It's your fault. Yeah. So why'd you say it was his fault? Because he won't change his behavior. To a certain extent, I do agree. But there's also bullshit reading yours and you're not going and you're not working. Yeah. There's also the fact that you do not make it a healthy environment for him as well. And it takes two to take a listen. If someone's a breadwinner, that's okay if you want to stay at home and someone's a breadwinner. But you are an equals part of this. And there is a point of like, if the dude comes home after 80 hours a week, he doesn't want to hear, hey, why are you flirting with someone?

1:28:46You're cheating on me again? You're cheating on me again? Oh my goodness, this is spending all this bullshit. Yes, you need to have the healthy budgetary conversations. But if the dude works nice 80 hours a week, is grinded for barely any money, and just comes home to bullshit, bullshit, bullshit. Listen, bullshit is going to happen here and there. Tough conversations are going to happen here and there. But if it is every single moment of every single day, this is not sustainable. And I'm not excusing him going out and cope spending, but I at least understand it because he wants to get the fuck away.

1:29:13I mean, that's the issue. Like, it's a constant cycle. Like he spends, I... That's why I say we need to have a financial reset. We need to sit down, reset, and have a plan in place. Number of monthly payments without the mortgage,$455. Rent, or sorry, mortgage,$640.66. Utilities all combined, plus internet. What's that? We'll look at that. Probably like 300. Well, yeah, 300. 300. Phone bill. 187. If T-Mobile's getting your area, I would switch to Helium once these phones are paid off, because that's an insane minimum payment for you guys to have. Gas of room for room, drive, drive. Roughly 150 to 200.

1:29:55I'll say 200. I'll do 200. Car insurance. That's 167. Okay, food. We'll just allocate SNAP to it. Okay, so SNAP goes there, plus I'll give you an extra 200, so I'll put that in there. Okay, 200. TP, find anything else you need to survive, you and the kids, 200. For our son and the cats Is about 200 every two weeks For what? Cat food, cat litter, diapers Well yeah, okay, so to be fun And okay, so I'll put For cat food, how much cat food? Cat food is probably going to be like It comes out to like 120 Okay, so that should cover that For every two weeks Medical, healthcare, anything that happens every two weeks?

1:30:38Yeah What's wrong with you? We give them wet food You just can't afford it I'm sorry It's better for their It is You can't afford it Okay but it's better than Taking them to a vet For a UTI Okay they're not going to die They can't from a UTI They need water Is this I don't Okay Give them water I do On top of $255 $255 $255 $255 $255 Let's see if it works I'll put it in Medical healthcare Co-pays Why not Anything No I only pay for dental Which comes out on my check Okay Subscriptions I've got a YouTube premium. Shut the fuck up,$20. Yeah. That's what you can put in. Pet insurance for the cats? No.

1:31:16Well, you're not going to be able to afford anything if they get sick. We would have to budget in approximately probably about$100 because you certainly can't afford it in an emergency. Anything else that needs to be in the budget that I have not put in yet? I don't think so. I don't think so, no. If you guys follow that strictly no fun, no going out to eat, you technically break even. $2 ,729.66. So here's the reality. Go work more in an oil field. Couple years, pay off debt. Your bad debt, pay off$16 ,000. Sell the house, take that, put a down payment, large down payment in a better area, and then find new career opportunities after that.

1:31:59That's the solution. We can probably do that in a year or two years. You're going to go get it, work in the oil fields immediately. Or she works outside of the house. That's the reality. You're choosing which one. and that's what we do. Your plans are, it's pretty simple. Save over an emergency fund, sell the house, put a large down payment from the sale of that house towards the new house in a better area, all that good stuff for your kids. Future proof yourself. Sounds like you guys are staying in the town and then we work on career opportunities. She's afraid to leave family. She's super family oriented.

1:32:28Good. That's what I'm saying. You're staying there and I'm glad we don't have any car debts. Nope. Good. Okay. But then you have some cars. Yeah. He has a lot of cars. A lot of cars? Yeah. He's a mechanic, so he has project cars. That's basically all we drive. Okay. We are going to dig into you in the post show about them. Oh, boy. We are going to talk about them in the post show. Because who the fuck are you to have all these when we can take care of the situation? That's in the post show because I'm done with this conversation. So that's where we're going from here. Join Hammer Elite description below.

1:33:08Three premium shows posted Monday through Friday. See us in the post show. I want to hear about this. Hammer financial score. Spending in a budget. You overspend 0 out of 10. No collections, but horrible for your income situation. Can't do any better than 1 out of 10. Emergency fund? Nothing. 0 out of 10 retirement? Nothing. About 400 now. 0 out of 10. That doesn't count for anything. 0 out of 10. Real estate, at least you got something there. Good rate, good equity position. Sounds like it's a solid. Sounds like people are interested in general. I'll give you a solid 8 out of 10. Hammer financial score, that's the only thing that is carrying you.

1:33:48It's going to be rounded up to a 2 out of 10. Join us for the post show. Link in the description below. Got to talk about these weird vehicle situations they got going on. In fact, I just got a note from the producers that it's going to be incredibly juicy. I can't wait. See you there. Is Roswell like the cheating capital of the United States? 11 days ago, I'm going to steal your hat. He says, no, yank. She says, oh, yummy. No. I don't like. I flirted like this. She's like 18. Sir, you're not helping your case. This girl has ulterior motives, in my opinion. If you love your lady, you got to shut that down.

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