He Treats His Wife Like A Pet | Financial Audit

26:43I didn't even have a bank account because I put myself into overdraft and no bank would give me it when I lost my job. What's your favorite song? What's my favorite song? I don't know. Numa by Tool? Can he hear Numa by Tool in his ear? I want to talk to her. Great minds, ladies and gentlemen, great minds. So music? What? So, Mr. Cole, what is your overall opinion of this allowance existing today? Why did you say thank you when I confronted it? Because that is a big... I mean, when you look at it, like you said, it's a sugar daddy thing or like here. And I literally get money on a debit card that is his in his name.

27:30What the f***? Why? Because that's how we've been doing it for so long. Have you recusted a change? No, I just didn't want to argue about it. Is it an argument anytime you bring up having any kind of independence? Not necessarily. Then where's the fear of the argument? There was an argument about how much I should get, and he was giving me a lot more years ago. And this has been like over time. I don't know. He kept asking for me to take less and less, and I did it. He's cutting your pay. Yeah. Your sugar-deadding pay. Have you heard any logic as to why? You never asked why? Well, it was because of credit card debt.

28:15It's always because of credit card debt. He needs money to put towards the debt. And I just trust him to take care of it. Oh, you're in 48 ,000 hours of bad debt. Yeah, I didn't even really know. I thought we were in 10. Yeah. I don't know. It's a really... Do you guys ever have... Well, because of this, do you have hidden purchases from him? No, none of them. Is he from you? No, I wouldn't say that. I know what he buys, but I don't know exactly how much he buys and how much he spends on certain things. Do you guys get this house together? My name's on it, but his name. Your name's on it? Yeah, but it's in his, like, the loan and everything is in his name.

29:07Is there not a sense of control here that's a bit odd? There is, and I've let it happen, I guess, over the years. of. Where does this stand today in your mind and where would you want it to be? If I had more availability to work on my own and have my own, like that was the whole thing where the feet came along. I was trying to get more of an independent part. Which I get that. But again, you spend it all on write-offs and then he covers the taxes. So it's weird. I'm not accusing this to be very clear. I'm not accusing this because this isn't how I'm reading the situation. but take just the 10 minutes of this conversation about the control of the money, cut everything else.

29:49Sounds abusive. It's not, but do you understand how it's on that financial scale? It's on the cuss, yes. We talked about it when it was going on. I was like, do you not understand like what I'm handing over to you by not having anything like, but you to tell me like, here's this money for the household. And all of a sudden on the other side. Yeah, it was, yeah, nothing. It was, yeah. Nothing, he wants to maintain control. Yeah, pretty much, I guess. Well, what can you do about that? That's not healthy, that you tried to push back and tried to get some sense of control and independence. Because when married, I'd say it's ours, not his with a little dip for me.

30:32Yeah, and that's where I think a lot of it, where in my mind I say it's his. like well how do you feel about the fact that you did push back you requested a change i did he said no and he well no the only change i've ever did was get a job and get my own income and then he asked me can i get can i give you less every week does he have some obsession over his own money obsession over control i think it's over the money factor and of not necessarily control because that's not how our relationship was in the beginning but when I couldn't go I didn't feel like I could go get my own job this was. What did he see that made him take control of the financial situation?

31:15I gave it to him pretty much. But why was it requested in the first place? It wasn't it was like I said. You requested it? No it was kind of like what can we do with you being out on the truck? Who proposed the idea? I don't know I think it was just a conversation and it might have been me saying, well, you just give me the debit card and you give me a certain amount, or he might have. I don't know. That was so many years ago. I really couldn't tell. But that's where it's been. I couldn't even get my name on the bank account. Do you recognize, and you kind of already had, but I want to make it crystal clear that there is some weird level of control here.

31:52Yes, yes. I know there is some weird level of control. What would you want to see the change be? I don't know. Well, more of me really having access to the accounts. I don't have any access to the accounts. I think that would make it feel a little bit better. And then discussing a budget for the house first to understand, like, how much money really it takes. I've been doing a lot for our kids lately with my little bit of income. Really? Yeah. Okay. All right, let's switch it up. Good? Can you hear us? You good? Good, good, good? Good, good, good. Good, good. You know, I want to know a little more about this situation of, you know, the separate accounts.

32:37When did that start? Well, in terms of you giving her an allowance. I mean, I think it was when I started driving, maybe a little bit before that. Well, why did this situation get set up? I don't know. That just seemed like the best way to do it to me. Who proposed that? How did it happen? I'm not sure. I don't know. I think when I created a separate bills account as a checking account was when it started doing it like that. Why do you think that's the best method to do this? I think it happened organically when I created the separate bills account and she was just keeping the other debit card.

33:20That was before she had Cash App and Chime and that stuff for her own income. And so I was like, here, you just keep this one. Over the years, has she ever requested having more access, having more independence, having this more joint? No. What would you do if she did? Try to figure out some way to make that happen. Yeah. Okay. 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.

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34:41Click that link below. Your 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 mean, I saw her being more independent as her having her own income stream. Do you not view it as a ours as a married couple? Yeah. Then why is this situation set up the way it is? With an allowance situation? To provide for the household while I provide the bills? Certainly, but couldn't she do that if we were both in one account together joint? I mean, I suppose, I think, like I said.

35:20That's what most people do. Okay. She didn't have her own account at first. And so I created a separate bills account so that she could keep that. And, I mean, it just came from a budgeting perspective of this is how much I can give you this week. And especially since I was out on the road, it wasn't, you know, that's a unique situation as well. Like, I couldn't just hand her the card to go pay for Walmart. You can get a second card. Yeah. But that's just, I mean. Do you think this comes from any desire for control in the finances? I did babysit her finances when she just had a card at first, and I don't think it was an allowance situation.

36:05Why did you have to babysit it? It was more me watching out and calling out frivolous spending. Were you doing any frivolous spending? Was I or was she? You. That's what I was, I mean, yeah. So why would it have been bad when she was and not you? It's not necessarily. Okay. Because I'm sure getting to like a quarter million cards has required some frivolous spending. Yeah. Absolutely. Okay. And if she came to you and asked to have joint control. I also was not playing Magic at that point. So, I mean, yes, that has required some frivolous spending over the years. But at that point, I was not buying.

36:45Are you a hobby swapper? Yeah, a little bit. So you probably had something else. Video games. Okay. So if she said she wanted a full joint control, control, joint control today, thoughts? That's fine. Let's find a way to make it happen and find a way to. Why just go into the bank, honestly? Okay. I mean. You'd be down. I can't go to the bank. Ally doesn't have any banks, but we can call them and set up. But you'd be down? Yeah. 100%. Okay.

37:21Thank you. Thank you, Headphones. Thank you, Colton. Okay, so a couple interesting things here. You know, Mr. Sam doesn't seem to really understand why this allowance situation started as much as you. Now, he did take kind of some responsibility, you know, thinking it's more on him, but he doesn't seem to know why it started specifically. I don't know. I think when he was going into trucking school and doing that, and he had to leave for like a month and stuff, that's when it was like decided, okay, well, here, I'll open this account for the bills because we were trying to save up to be able to buy a house.

38:11He wanted to do his credit. So he like opened up a bills account and then gave me the debit card to that bank account to not to the bills account, but to his regular checking account. And I was like, OK. And he goes, I'll just like, I'm pretty sure this is how we discussed it in the garage of like how to make this work since I wasn't able to have income at that time. Or maybe it was more it was harder to have my own income. Well, I mean, he self-confessed that when you had a debit card, he was policing your spending. Oh, yeah. Very much. Pretty hardcore. Well, he had his own frivolous spending going on at the same time.

38:52Yes. And I confronted him on that. I did. And we talked about it, and I realized that was... That's good. Yeah. Now, one thing that is going to be... I want to hear both of your perspectives talking on this now because you both did have different answers on something. Okay. And that was the fact that over the last eight years, she says she has come up and talked about wanting more control, having this to be joint. And, you know, not that you haven't gone, no, but it was kind of like a little dismiss, a little walk away, you know, a little like hope this goes away type thing. And you said she hasn't done it once.

39:34He says you have not done it once over the last eight years. I don't know. How about this? It would be more me complaining that I don't have access or being able to see something. That's basically asking, though. Yeah. I was dropping hints, like, hey, this should be. I don't do good with hints. And he's not very good. That's pretty basic, though. Hey, I don't like that I don't have access. I wish I had access. That's not a subtle hint. I don't think that's how that conversation went. But if you want to frame it that way, that's fine. Well, I mean, that's how she's more framing it. That's how I'm framing it.

40:09And I guess it just would be me saying little things. And I probably haven't done it a lot because once, like, if I would have made the comment once and it didn't take, I would have just gave up on it. So, like, if I knew this was a friction issue, I would have taken care of it before. Well, he says he's willing to get you fully joint today. Okay. I would like that. Yeah, I'd like to see it. Yeah. I'm curious if it'll actually happen. I'd love to find out. Okay. But I hope it does because I think that would be good because we got to sit down. We got to talk on a monthly basis about what happened with the money last month.

40:46What do we need to budget? What are our goals that we want to do as a couple, as a married couple? What do we have to do in order to get there? That's something we don't do at all. We don't sit down and talk about it. Exactly, but we can never do if we don't both have access. If we don't know what is going on, then we never will. I just gave him control, trust and control because I did feel like since I was a stay at home parent, you know, and I was doing a lot, he was paying for my guests to take care of my mom and blah, blah, blah and all this that it was OK. Yeah, this is what I get. And I was OK with it.

41:18I'm very. What is that?

41:23Just like I don't know what that's called. You know, I mean, like pacifying. Yeah, like it's fine. It's whatever. and I make up my own excuses. Like I said, I think this happened organically. It wasn't out of any desire for control. Okay, I'm going to go 3, 2, 1, go. And on go at the exact same time, I want you guys to give me what you think your household financial score is. Zero to 10, zero being the absolute worst, 10 being the absolute best, okay? Three, two, one. Two. One. Sorry. Okay. If you want your financial score, take the assessment. It is free at calebhammer.com or dollarwise.com. Just takes a few minutes and you'll see where you stand in the world of finances.

42:03And if you don't want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app. Take the free trial. Sign up for the annual version if you want to save a lot of money and get our budget-friendly cookbook signed by me and mailed directly to you. Remember, get the extra special version, DollarWise Central. Free trial right now. Get all our education and the premium version bundled together. All right. Let's get into these documents because we got a lovely amount. I have a feeling. of paper. I have a feeling this is going to be kind of your first time seeing a lot of this.

42:33Yeah. Yeah, which is interesting, right? I would suggest that that is interesting. Yeah. Yeah, like I have no clue of like what is going out. You do have a clue, though. We talk about it. Like, I just don't do the math in my head, I guess. Let's do some guessing math. Yeah, okay. There we go. We know kind of what comes in when we're out. Well, actually, what came in total, which included mother-in-law rent and Social Security deposit, cash app drawdown, wife payroll, cash app in and husband payroll, all accounted for$6 ,874. Good. What was spent? What month? What was spent? And that includes some interest happening as well.

43:19But what was spent? What do we think? I would say at least seven. Okay. At least seven. At least seven. so more. Yeah, more. That's not good. If we're giving complete control over out of trust to pay off the debt, that wouldn't be good if it was more. What do you think? No. I think it was under, I think it was like $47 ,000,$5 ,000. So you'd make about$2 ,000 of progress than that. Maybe, yeah. Well, it was$8 ,330. That went out. So that was$2 ,000 more. Yeah. 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.

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44:24Yeah. Okay. I had a closer amount because I know. I know. I spend quite a bit. You're giving only$400 a week. Yeah, I, yep. Plus what she brings in. Plus what I bring in. Going out to eat alone was basically$900. Miss Laney's bull**** was another$900. Going out to eat right now, my fridge in my truck is busted. How much does that take to fix? Or get a new one? Okay. And it's been broke for months. Yeah, it's, it's, I just haven't done it yet. But it's a reason, not an excuse. Like that's. It's a reason, but your reason for not doing it is invalid. Especially when the people. I didn't give a reason for not doing it.

45:08You said. Yeah. Well, why haven't you done it? I thought you said. I just, you asked how much it was. I told you how much it was. Why haven't you done it? I just haven't. It's kind of a pain in the ass to get back there in a tiny little space. I just haven't done it. I should have. It's easier to go out to eat than to fix it. It sure is. I do. I got to give him credit. When it first broke, he tried to take our little cooler that you plug in. You just take it somewhere, no? Is there someone that might be able to fix this? I can fix it myself. Okay, but you're not. That's correct. No, they won't fix it through the company.

45:50It's a mini fridge. I know, but like a handyman on like. Dude, they won like$300 for something stupid. Dude, but it's literally$900 going out to eat on a monthly basis and has to be fixed in multiple months. $300 would have saved us. Yeah. Like I'm not saying do that. I would rather you fix it, but you're not. All of that$900 is not me. Oh, that's fine. We still went out to eat at$900, which is$900 more than we should because we spent$1 ,700 more than we brought in last month. And then again, there was another$900 in miscellaneous. $837.29 to be exact. so that's just miscellaneous bullshit I do go out to E because I just find it easier after running around it is easier but you know what's not paying off all the debt that we're accruing especially if we're spending more than we make you know what's not our kids not having a college fund and then putting everything on them you know what's not all of a sudden our credit just goes down and our car breaks and we can't afford to be able to get another car our interest rates absolutely when we get a loan for one like we're just putting ourselves in such a dangerous position let me be real with you You can't fix your finances if you're running on four hours of garbage sleep every night.

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47:31Otherwise, you're running on fumes trying to make smart decisions. And right now, 8Sleep's giving$350 off the Pod 5 Ultra and$200 off the Pod 5 Core. Just use code HAMMER at checkout and go to 8sleep.com slash HAMMER. Again, that is 8sleep.com slash hammer and use code hammer. This is one of the few upgrades I made that actually paid off. So if you're serious about changing your life, start by getting some real sleep. I understand that, but I don't think about it every day. I go out to eat probably twice a week because of laziness. Well, at least she gave a reason. Yeah. Let's be honest. Yours is laziness too.

48:17I'm tired. I said it was. No. No, you didn't. I asked for a reason. I didn't say the word lazy, but I said, I just haven't done it. I should have. Hey, remember. Remember, big guy. We're not very good at picking up clues. So maybe say the real word. I'll spell it out next time. No, you just got to say it. Capital One Quicksilver. Whose card is this? His. Do you have any? So all the dead steers? No, but mine. Mine's on there. Like he uses it. Legally, it's mine. Yeah, but legally it's his. He has them at all times. Do you have the city card and the Kohl's card? Oh, I do have the Kohl's card. No, I don't have the city card.

49:01It's at home. Oh. Okay,$8 ,343.54 with a minimum monthly payment of$283. Now, there was a$2 purchase. I don't really know why. Especially since$200 of interest is accruing on this card that is basically maxed out. Takes 25 years to pay off. By the way, minimum payments only without making any purchases. Oh, we make purchases. So I'm sure that'll take even longer. But then how was the$2 purchase? Google. I've tried to tell you. It was Google. Your Google crap's coming out of that. Why? I've tried to get you to look into it. I don't think that's my Google. I don't have any Google subscription. It's$1.99?

49:47Yeah, it's Google One. It's like their storage, right? Yeah, it's my storage. So it's yours. But I thought I'd pay for that. And you can pay for it. Just put it on debit. Like you're putting it on a card that is not being able to pay off that is accruing interest. Yeah, no, I didn't know that. I honestly thought that I was paying my Google. He says he's told you. And he has, and I've looked into it, and I could have swore, no matter what, I've tried to change it over to my debit card. You know, it's literally like four clicks online. I've changed mine like a thousand times. I get it, but I could have swore I changed it to mine.

50:23Oh, okay. I will fix that. Fun fact, didn't. I did not, I guess. Okay, well, again, 25 years to pay off. So we're talking at that point, you know, you're going to be in retirement age. Oh, God, no. I make more than the minimums, so. Yeah, it was a little bit more than minimums. But listen, if you were substantially making more than minimums on a consistent basis, which is what you're kind of setting up, that's almost what you're qualifying in the way you're talking right now, you'd be substantially below the max, the credit limit. You're$150 below. So let's not bring that energy to it. In reality, yeah, you probably did it once or twice, a little bit more.

51:06Or else there'd be a lot more progress. But isn't that the one that we tried to pay off? The Quicksilver? Tried to pay off? What's this tried to pay off mean? What do you mean? That we put money from the taxes, like two years ago. We haven't had money from taxes. Yeah, I know, like two years ago. Oh, um, maybe. If we knew more about our sleep, what would we do differently? Would we go to bed at a consistent time? Or take steps to reduce interruptions to our sleep? With the all-new Sleep Score, Apple Watch measures your bedtime consistency, interruptions, and sleep duration. Then, every morning it combines these factors into an easy-to-understand score from 1 to 100.

51:47So you'll know how to take the quality of your sleep from good to excellent. Introducing the new Sleep Score on Apple Watch. iPhone 11 or later required. I don't know what you're talking about. Two years ago? We're talking about trying to paint it off two years ago? It's maxed out. I get told all the time it's I need to put money towards the credit card. So that's I was trying to figure out which one. You guys are very organized, aren't you? Yeah, we don't talk about none of it. Like we don't. Yeah, we're not organized. $1 ,500 this year alone in interest, meaning 3 ,000 hours this year total is what it's going to be in interest on.

52:23One card, the very first card taken from you guys, that is a half a month of household income that will be gone in just a single year. I'm sure it's been maxed out for a while, right? or did we just build it back up? I don't know. No, we built it back up. Right? I mean. She doesn't know. You're so confident. You don't know these cards. You don't talk. You don't see. So why? Because I do hear like we're putting money towards that and bringing it down. It was built back up. It hasn't been utilized for quite a while other than that. When was it built back up though to max? Because again, it's only 150 bucks away.

52:58I mean, it's been there for a year and a half. Yeah, that makes sense. So when we say we make more than the minimums, the last two months, right? Or are we talking like$2 more consistently? No. If it's been two years and it's only 150 below max, what are we doing? So I'll pay over minimums on one of the three cards and try and get that lower. And then I'll hit a time where like either I'm taking time off or just. How much time are you taking off? I mean, usually it's not more than just taking a long weekend. Okay, so it shouldn't be a big impact. It's not huge, but then trucking is variable. It is variable.

53:45Like, sometimes I get broke down, and if I'm driving, I can make$35,$40 an hour if you break it down to hourly wage. How often is this? But if I break down, I'm making$20 an hour. You did tell me you made anywhere from like$80 to$90 a year, though. So is that calculating that in or is that calculating nothing goes wrong? No, that's calculated. That's like. Okay, then there shouldn't be issues. That's an incredibly strong income, especially for Northwest Arkansas. I'm guessing. What is that? Walmart? Yeah. Walmart area. Yeah. So. I guess the parents of Boogie 2998 and like child bride. What? Huh?

54:24What? Boogie what? What is that? Okay. So. I have no idea what that is. I want to know. Now you have me intrigued. I want to know. Okay, so that's calculating it in, so that shouldn't be an issue then. I understand that part's hard, but if we're making 90 a year total in a cheap area of the country. It's an expensive area of a cheap area of the country. Which is still a cheap area. It is. I mean, yeah. I mean, if I'm in the most expensive town in the middle of a field, it's still pretty cheap. Okay, so, but$90 ,000 just stretches really farther. Because if we're talking median household income in the United States, we're talking about$65 ,000.

55:10So you're already well beyond that. And I'm sure for your area, you're dramatically beyond. Okay, we have another Quicksilver. So two Quicksilvers? Who's this? Mine. Okay.

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56:17I am the one in control. It doesn't mean I said. You put in action to do it. Nothing just happens without action. Okay. Interesting response. I mean, I think we can objectively agree that someone at least made a decision at some point. I think we both decided, but yeah, I give it to him to do it. So let's pretend it was all you and not him because he doesn't like any kind of criticism. When these credit cards got opened, before I opened them, I come to her and say, this is what I want to do. Yeah, only in the past couple years has he just like, just did what he wanted with that. Why have you given up?

56:54I think it's because we got the house. Once he reached his goal of getting the house, then it was like, oh, now I can just use it how I want. So our retirement doesn't matter together? Our kids' future doesn't matter because we got a house? I don't. No. I'm just answering from my perspective.

57:17What's your perspective? Oh, yeah, sure.

57:24All right, we're back. We had a moment to cool off. I appreciate it. Thanks for coming back. So, again, we were talking about this quick silver card. We're over the limit on this. So, at this one, the limit is$8 ,000. $8 ,026.33 is owed with a minimum monthly payment of$2.61. 24 years of payoff. So we're both, both of these cards alone are getting into our retirement years. $181 of interest accrued. And it's, again, the cap is$8 ,000. So we're over by$26.33.

58:04It's like buying new bed, new furniture. When did we do that? Bed was two years ago? Yeah, two years. So why are we maxed out, over maxed out today, though? Over the limits. We put a little bit, and then we all spend it on stuff around the house, or Christmas, or certain things like that. Back to school pops up. Why on this card, though? Why on a card that says it's max? I don't know. I mean, it wasn't maxed when I put the stuff on there. I think he just does whatever's free, whatever card. So if he's paid that one down. Whatever's free? Yeah. Whatever has space. Yeah, has space to put it on. I mean, just using that word itself is what makes me nervous of where our mindset is with money.

58:53With what's ever free? Well, no. Sorry. I was, he knew what I meant. I know you'd like to talk about credit card people and not credit card people. Definitely ain't. I was a credit card person for a while. and then when it got out of hand, I don't know, something flipped and I just didn't care about that. I mean, it was prior to... That's what I was trying to say. It was prior to me starting driving where we were kind of... Because I was in driving school trying to make ends meet and stuff like that. I think that's when one of the second ones got opened and I... What made you lose the care though?

59:35in your own reflection? Yeah. I mean, when it felt like it was out of control, I... Okay. It's a bad decision, but... So what spiraled into the out of control? Like, what was something like... Like a little reflection, you know, going back there. What do we think made it spiral? And then what just made us not care once we saw it? The initial thing was going to truck driving school and not having income for, you know... So we didn't have any income. No. No. How long was that? That was for like a month. Okay, did we have an emergency fund? I had, you're going to hate me here. I had a disbursement for my 401k that.

1:00:20Okay. The job I quit to get. That's even more concerned about where we're at then. Plus borrowing money from my dad. Yeah. Well, the 401k thing is even more concerned about where we're at then. Because again, if we're in, what was it? $47 ,000 of bad debts? at almost 40. You know, we can take in about 20 years from your guys' lives right now, you can start withdrawing money from your tax advantage account penalty free. But what kind of retirement even we're looking at? Remember, taking care of your mom heavily right now, right? Heavily right now. Now, a lot of it is because of medical, absolutely.

1:01:00But do you want to be in a position where you look 20, 30 years down the line because you guys decided to live for now, instead of actually preparing for your retirement, your kids are going to have to put their lives on hold. They're going to have to take sacrifices when they're around your age to take care of you. And even if it is medical, if you guys are prepared, you will be able to then more be self-sufficient, maybe in-home care for yourself you could pay for in your own house without having to rely and put a kid's life on hold, right? Yeah. And that is what we're selfishly doing right now.

1:01:35Yeah, I never thought about it like that. It's more of living in the now than, yeah. I've always been that type of person, though. And it is hard for me to change that. I have really bad impulse control. We're going to max out 1 ,000 hours this year alone so far. So that's going to be 2 ,000 hours by year's end, which combining that with the last card, that's about an entire month's worth of income is going to be taken from you guys on two cards together. Oh, my God. One month of you guys working only goes to pay for interest on two cards. is what it's going to look at by the end of the year. I had no idea.

1:02:09So this is a 26.99 % interest rate. Okay, we have a Discover card. This is you? Mm-hmm.

1:02:20These are taking both of us, like I said. It's under his name, but he has more control over it. But I ask him to purchase. All of our financial decisions are joint decisions. But you ask him to purchase. You're not going out there and swiping. I will ask him, hey, can we use this for like... Listen, once behavior has changed, we can get you on something like the Fizz card. Because it works as a debit card. It only lets you spend what's in your checking account. But it builds credit again if we care about something like that. And once you get back in the career field, I'll get you a course career certification as well to try to up your resume.

1:02:52to get back into the workforce. Yeah, that was my other bit because I have been out for so many years. It makes it harder for me when I'm applying. If you're truthful on your resume, yes, it does. And I don't like to lie, so, yeah. I mean, it's not great. It's not. Being a caretaker for her mom for medical reasons, is that, I mean. Potentially, I guess it, yeah, potentially. I'm curious, okay, what career field are you trying to get into again? I mean, I would. It's years down the road, so you don't have to have an answer now, but if you do. If I did, it would be some kind of counseling. Okay, then that actually could be a little beneficial.

1:03:25If we're able to list the skills that we used under the caretaking as some sort of like helping and support and counseling, then maybe that could help. Okay, so this Discover It, it's Discover It, is$3 ,000, okay, just again, a couple hundred dollars under max, $3 ,982.53, minimum monthly payment of$117. 21 years to pay this one off minimum monthly payments only no purchases but no purchases were made on this looks like your credit score is written on 700 okay that's these are all just chunky and they're just so close to max which is what's so scary $668 of interest on this year alone so it's going to be like you know what$1 ,200 by the time the year is done so now we're eating into the second month's worth of income.

1:04:22Where do you spend your money that are write-offs or deductions from your taxes for your business, your tow business? Where do I spend my actual money? Yeah, what account? I do it off probably my Chime, my Chime account. Is it a business account? No, it was just a person. It doesn't necessarily need to be, but it definitely helps with organization and protection. Yeah, that was probably... How are we doing our accounting? So we're using a CPA at the end of the year? And they have access to everything. Yeah. Okay. Yeah. I just kind of mark down like a general. I always underestimate like what I've spent on my stuff.

1:05:00Like I try not to like be like, oh, crazy. A dead touch. But I do like do a good amount for my nails and my toenails and stuff. Like my pedicures and stuff. Okay. City Custom Cash. This one is about halfway. So this one's not at some. Actually, I would say about a third. Who's Citi Custom Cash? It's mine. That was a balance transfer about a year ago because it was an intro. From where? From what? From where? Where was the balance transferred from? I think it was from the Discover. It was from one of the cards. So that's what makes me nervous, right? It's like, I get you signing up for this program.

1:05:36It might take less of a credit hit. It might incentivize you to open up another credit card. I don't know. 100%. I just need to make sure we change our behavior before we try to take this step and feel like we made any progress by signing up for a program from a psychological perspective because look what we did when we transferred over. Then we bought the cover all the way back up again, right? Yeah. So that's what happens every single time in the history of the show, honestly. Anytime anyone does a consolidation or a personal loan or a credit card transfer. Oh, we'll get to the consolidation.

1:06:02Yeah, that's going to happen too. And bankruptcy people do it as well. So$600 balance on here,$41 payment. Again, I'm glad there's no purchases. I don't pay the$41. I pay$100 so that I will be done with that and there will be no interest on that. Oh, it's in an interest rate period until... 12 months. Yeah, but you know what's interesting is I wouldn't even necessarily do that strategy. Now, if we're paying this off quicker because it's the smallest, then we need to hyper-focus all of our extra money towards it instead of a little extra here, a little extra here, a little extra here. But even so, it's not necessarily the need to pay this off before interest accrues unless there's deferred interest, but I don't see deferred interest happening.

1:06:40If there's deferred interest, that's, yeah, we need to pay it off before interest accrues. But it doesn't really make mathematical sense to throw this to a card because it's interest-free. Wayfair's big sale is returning. Get ready for Wayday. For four days only, score up to 80 % off all things home with free shipping on everything. From October 26th through 29th, score Wayfair's best deals, like up to 80 % off area rugs, up to 60 % off mattresses, up to 60 % off bedroom furniture, and more exclusive doorbuster deals. So mark your calendar and shop Wayday starting October 26th at Wayfair.com. Wayfair, every style, every home.

1:07:22Just to pay it off before interest starts because there is no back interest that hits. Now, if we're paying it off quicker because it's the smallest and we're trying to snowball, that would make sense. But then it wouldn't make sense to put extra towards Capital One QuickSilver or Discover It either. And that's what he's been doing. Yeah, a little extra. Just a little extra on all of them. Because that's not any debt payoff strategy. You know, their snowball method is smallest to largest. Avalanche is, you know, highest interest or biggest, largest interest to smallest. Those are the debt payoff strategies.

1:07:50There is no debt payoff strategy that's like a little more here, a little more here, a little more here, a little more here. Sure. That doesn't get us anywhere. Obviously, I have not done well with that strategy. No. He's been doing that for years. Where would you guys say all the extra money goes? Obviously, we talked about some categories and percentages, and we'll get to the spending throughout, but where from your own perception does all this extra money go? Eating out when we shouldn't. I haven't bought cards in a while, so that's not as much of a thing anymore. I am willing to sell. He did a big chunk with just buying.

1:08:30I was selling chunks for a while, but since I'm out on the road, you have 24 hours to mail. So I can only have my store active. I could. I mean, she could. I tried to teach her. She didn't really want to. Well, I mean, why? Learn. Well, the fact of moving and finding it. It's hard. Heavy. They're heavy. And you can get lost in them. Oh, I'm sure. but this might be a money thing because we're trying to, well, honestly, we're at the point, if that's not one of your heavy passions anymore, or even if it is, keep the ones you care about, we just need to sell. That's what, well, and that's what I kept saying to him.

1:09:11I was like, well, you know, and I just, yeah, I need more of a knowledge. I guess that's where the shed thing came along of like, it would be easier for me to like focus. You did not listen to rules. I did not, I didn't, I don't, I didn't remember. I have it on vibrate. That was my alarm that I forgot to turn off. I'm sorry. What, is it an alarm reminding you to take a toe pick? It was my Instagram post. Let me guess. You're just using an investing app that doesn't invest in you. It is time to change that. Right now, Webull is offering up to a 3.5 % match when you open an IRA with them. That is real money going into your retirement, not just points or coupons.

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1:10:36It doesn't get better than this, so stop overpaying for a platform that gives you nothing back and make the switch to Weeble. Go to weeble.com slash K slash Caleb or hit the QR code or the link below. Let's get back to the show. Right. Okay, this Capital One's Kohl's card is paid off every month, so I'm not going to write that down. but I am glad to at least see that. I mean, there was like a... We just opened that. Hold on. Pass do fee. That was me. Why? Because I didn't know. She said she'd pay it. I would say it. Why didn't you? And she went the day after. I went the day after. Why, though?

1:11:12Because I was incorrect on the date and... Or was it an auto? That, I couldn't make it. I don't have access to that account like that. So... But you have access to make the payment? Yeah, because you go to Kohl's. Like, I would have to drop. You literally physically go to Kohl's to make your credit card payments. She has once. Yeah. She has once. That's not a free time strategy. That was a new class. She said she'd take care of it, and so that's how she could do it. And I bought makeup on it. So, yeah, it was my responsibility. I take that late fee responsibility. What the f***? It's so weird.

1:11:53That was so stupid, yo. You know what's so stupid? That's the second one this year. Did we know that? Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only, prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California, and for delivery. Yeah, if it's both meat. Well, I know that. but we know that it was two this year? Yeah, I guess. No, I really thought it was one, but yeah. Well, it wasn't. It was two when the second one happened that you had already done this. I kept doing it.

1:12:34I kept thinking that the date was on that. Yeah, but if you f*** it up the first time, then how do you not take extra caution into the second? I suck and I don't put s*** in my phone. I suck. Oh, shut up. That's a dumbass. That's a bull**** excuse. Well, I don't. Take a little bit of responsibility. I suck. I tell myself I'm going to put it on my calendar. Like, this is, oh, it's due this time. So why don't you? Because I just don't. It takes. I end up forgetting. Oh, my gosh. It's a half a second to put something on your iPhone calendar. I know. He tells me all the time. You just tell Siri. Yeah.

1:13:06No, I don't have Siri. We have Samsung. Okay, you just tell Google. Yeah, Google or Bixby. But Bixby doesn't like to listen to me all the time. It likes to argue with me. But, yeah, I do take responsibility. I told myself I wouldn't let that happen again. But you did. I know. That was barely. Meaning you're untrustworthy. It's true. So what are you going to be like when you have access to the full account then? What do you mean? Are you just going to destroy it? No. What? I wouldn't because I would be more responsible, I think. Oh, wow. That makes me trust you so much. I believe it. That makes me so confident.

1:13:53What do you think? That didn't just give me a massive amount of confidence. It doesn't inspire confidence, but I don't want to feel like I'm keeping her in the dark about things. Oh, I don't want that either. I have shown better from that on my account. Like, I borrow money and I get it back and I pay it back all the time. You're borrowing, like, little cash advances? Well, yeah, like, through my... Come on! Come on, which can be an okay tool, but not when people can't. You would agree. I had a tire thing, okay? A tire thing. I had to get two new tires. Talking about deferred interest. Yeah, and this, they were going to charge.

1:14:34That's deferred. Yeah, they were going to charge me over$1 ,000 for$450 for these two tires. But it was like two, three months, whatever, same as cash. Yeah, three months, same as cash. And you did it in time. And what I did, yes, in time, I made sure that I, what I did was I borrowed the money from Cash App and paid that off because it was cheaper. So she didn't actually pay it off with her fucking money. She borrowed to pay. But it was cheaper. Debt for debt. Yes, it was debt for debt. I don't advocate debt for debt. It was that or I paid the$1 ,000. Yeah, the bill that it was. Yeah, that it was.

1:15:13But it didn't, it only charged me. Cash App only charged me. I think it was like$50 to borrow the$300. So you still paid a fee to make your bill? I did. No, I would not advocate for that. Okay. Well, I thought so. In my mind, that was better than paying the$1 ,000. Okay. It's not a debt as far as I can tell. But money in,$1 ,060. Money out,$1 ,106. And then a fee to have it? Loan drawdown. Calls, calls. There's the clone. Lone drawdown. Jack's ice cream tropical smoothie. Ozark's Coca-Cola. Trying to write that off on your taxes too, I bet. Slim's chicken. Oh. Making a payment to cash. Oh, I'm in a certain town.

1:16:01Yeah, we bleeped it. Popeyes. Zisk. Rich. Freddy. Wood. McDonald's. Brew coffee. Harps. Brew coffee. McDonald's. Dude, you make no money. You cannot do this. This is just bullshit. If we're doing separate, like, you just can't get this. And if we're doing combined, you can't get this because you have$46 ,000 of bad debt anyway. She has a big seven brew habit. I do. Well, not anymore. You're brewing at home. Okay. At 7 a.m. Yeah. Little Sweet Paradise seven brew coffee and Taco Bell. Spend so much going out and getting bullshit when we have such substantial bad debt. Unacceptable with three children.

1:16:45unacceptable. The Discover Personal Loan. What is this? Is this the consolidation? Oh, what did we consolidate? Because we are at$21 ,038.52. What did we consolidate? Give you three guesses. First two don't count. Oh, fuck me. Okay. And then we built them all the way back up. Christmas. Oh. Days. Yeah. You guys make actually really good money to be able to do all of that. That's what I never understood. No, whatever. I say, I don't know. I tried to have her do Christmas throughout the year, and she's like, no, let's do it. Oh, the same time. But you give me the same amount every week. No, no, no.

1:17:29So how am I supposed to do that? Why? Because you can do Christmas together. Yes. Just set a Christmas. If we want to do a big Christmas, set a Christmas fund aside on a monthly basis. You don't have to buy throughout the year, but set the fund aside. I do like that idea. Yeah. I guess I've never thought about like just making a fund to put into throughout the year. It's what my mom does. I don't know. I never thought about it. Okay. Yeah. It's at a 12 % interest rate. Better than credit cards. Sure. But it doesn't make the difference when we built the credit cards all the way back up anyway.

1:18:01This is insane. That's$21 ,038. This debt is immense. This debt is immense. What's Servi Solutions? That's a mortgage. Oh, thank goodness. Thank goodness. Okay, love the interest rate, 2.875. That's fantastic. That is why I will never, ever refinance. Yeah. $169 ,575.14. Minimum monthly payment, also great. Cheap area,$1 ,234. Cash. can't even get a room that cheap in Austin that's incredible alright yeah we're never moving that's a second position for down payment assistance it was a first time home buyers program what's the house worth right now it's worth close to three probably we do have equity and I've been paying over on that.

1:19:12Yeah, he's been trying to clear that. Oh, why? But the interest rate is so small. Why? Just to get rid of a payment. Honestly, I wouldn't necessarily do it because it's not the smallest balance. I wouldn't put, because this is neither smallest balance nor highest interest by far. So I actually would not put anything extra towards this. It's an$80 payment,$88.37? Yeah. Typically? Okay. No, listen, maybe I would attack it if we didn't have an equity position and the market was kind of flat there since you bought it. But since it's gone up so substantially, do you guys have an equity position which protects you in case of needing to sell for whatever reason?

1:19:50No, I would just minimum until it's done. Okay. What? Nothing. You're on my bank account. What's the... Which one would... Well, I guess we'll get there. The debt payoff strategy? Yeah, we'll get there. So credit builder account is you. time. Yeah. Okay. So, you know, that's... You put in, you pay off. Put in, pay off. What's else this bullshit? Yeah, it's the same. Whom springs, misc, miscellaneous, and dominoes, and seven brew. We're back. Roblox. So we're letting the kids spend on Roblox there. Yeah, that's my youngest. I make her sweep every day for it. She gets$4.99 per... $4.99 per... Per time she asks.

1:20:34Yeah. Well, it's about a week. Okay, why not just do a weekly allowance? That's what I do. She gets told no sometimes, but. Yeah. But she sweeps every day. Yeah, vape and cigars. The other two kids. Who's doing this? Both of us. What are you guys doing? We both vape. No, we want to be around for our kids. We don't know long-term consequences for vapes. I quit smoking after 20 years. Well, that part's good. Yeah, and my plan is to quit vaping. Please do. Arkansas is cracking down on the types of vapes they're allowing. And what can be sold. Well, I wish that wasn't the reason. Neither one of us are.

1:21:08Well, it's not the reason, but it's definitely a kick in the butt. Yeah, it's to help me do it. And neither one of us are going to go back to smoking. So we're just going to quit. I'm never going back to smoking cigarettes. Now, when you told Colton that you were negative on this account right now, does that mean you paid more than you owed on it? Or are you saying you're like over? I'm overdraft. Like, yeah. It's bad. Do you even know this? Oh, he knows. What the f***? So again, what happens when you get access to the main checking account? If you're overdrafting on your own small one. I would, no.

1:21:43Just for the sake of 7Brew. Yeah, it would be for 7Brew. I haven't been able to get out of overdraft. I helped with a lot of stuff. Yes, I agree. We're vaping and 7Brew and probably vaping and getting some more Roblox tropical smoothie. Hot topic. That was from my daughter. Honeybee7brew, going in and getting some BS, probably vape, probably vape. Wiener Schnitzel, probably vape. Amazon, Amazon. What the f*** are we doing? What are we doing? Credit builder, endless fees for days. Okay, Ally. So is this the main guy? What is this? It shouldn't be. I don't know. Well, spending accounts literally ended at negative$22.

1:22:30That would be the higher account. So this is two accounts now in a row. Hey. Plus Cash App being brought down to zero. I don't ever know what's on that. So sometimes I do make purchases. I should have enough on there. Oh, and this is for AMC, Domino's, Cash App, Amazon, more vapes, Cash App. Yeah, because I send the money to my Cash App. Taco Boca Boca Taco Boca Oh, Toka Boca Toka Boca That's my daughters. Yeah. Another Google One. You have two Google Ones. See, no, that's what I'm saying. I don't understand. There's it. Vape. Nails. Cash App. Microsoft Apps Mountain. Cash App. Roblox again. More vapes.

1:23:21And then going in and getting some BS. So you also stop at the gas station and you get some bullshit quite often. A couple times a week at least. No, I just get gas. You 100 % do. No, because you're not going in and getting$3.40 of gas. My Red Bulls I get. Okay, yeah, that counts. Yeah. Yeah, let's do that instead of our household future. I didn't for a while, just lately. Okay, is this the main account, the one that ended with$48 ,000? $4 ,900 came in,$4 ,900 went out? Is it the main account? I think so. Because that's a dangerous balance. Or is that the... Oh, it's scary to have$48. After the tariff blow up...

1:23:57curious to see how this oh trucking it has taken a hit so freight dropped but I do intermodal and so most of the stuff that I do and most of the stuff that flows around America is imported it's going to take a while to do a big adjustment and we relied on me working overtime and we don't have any overtime anymore you're still projecting about 80 to 90 this year though? I think when I just did my my annual review but that that's the first part of the year where I had overtime I think he projected me at 84 that sucks but with like I said if I'm projected at 84 and that includes a bunch of overtime well to be clear we're relying on overtime because again we spent minimum couple thousand hours in bullshit alone so I mean we just have to make changes.

1:24:53We can't live the same lifestyle. We have to make changes. Absolutely. We've been living above our means. Okay, winning got some BS. Cox, community, internet. Okay, yeah. McDonald's, Venom, we're now, but that's sell payment to data. It says Dairy Queen, Dairy Queen, Wendy's, KFC. Allied refreshment. Audible. I'm okay with the audible thing, especially because driving. I'm okay with that. I actually cut that out. Okay, well, I'd rather fix the fridge. I started listening to Spotify. Audiobooks, yeah. Well, not even the audiobooks, but podcasts on Spotify. And so I've paused my Audible. Our internet bill is lower.

1:25:30But then, yes, I just need to fix my... Well, that's okay. But we're going out to eat like crazy because we just need to fix this fridge, dude. I just need to fix the fridge. So when in Gus and BS, when in Gus and BS, because obviously you're stopping at gas stations on the road. I would just try to buy in bulk and keep things... I do try to use my points as much as possible because I get rewards points for fueling. Okay. ATM would draw Gamer Supps. You got some Gamer Supps? That's instead of doing energy drinks, that's what I drink. He drinks the Gamer Supps. I buy those. Well, isn't it an energy drink?

1:26:03Mm-hmm. Yeah, it's... You buy the powder and make them. It's like a little tub of the powder. It's caffeinated Kool-Aid. Yeah. McDonald's. Los Amigos. Wendon got some BS. Wendon got some BS. Bojangles. Bojangles. Door Dashing. ching-ching Winnie got some BS Winnie got some BS vaping cigars hot topic so the door dash was because I was in the middle of St. Louis no I'm not even literally at the yard they don't have anything within walking distance and I wouldn't walk if I could uh well you can ride out there with me and you can walk around if you want to nah I don't want to go to St. Louis no reason Winnie got some BS Auntie Anne's Winnie got some BS door dashing French Annie Ann's was when we went to the mall I don't get Annie Ann's Taco John's Cash App Cash App McDonald's getting some BS Features Happy Donuts Zaxby's Ice Cream Fred Tilly Wood we got some BS McDonald's BS Cash App Vaping Cigars BS BS BS McDonald's Steam Purchase Taco Bell Venmoing Out Grand Lake Resort Grand Lake Resort that's our annual A little family reunion.

1:27:18Oh, fuck. Yeah, that's cost us a lot. We even debated not going this year because of it. Well, it would have been much easier to afford. I mean, you guys go out to eat insanely. And you guys stop at gas station and get things like crazy. You guys go vaping Hot Topic and Roblox. The vape is a killer. Yeah, the amount of money we spend is ridiculous. Savings has gone from 502 to 503 in Ally. I guess we're holding a bunch of crypto in this account. No, I just sold that. Huh? I just sold that. And put it towards something? It's sitting in the savings account right now. Okay, so a couple thousand in savings.

1:27:55Okay, here's some retirement. 401k, 8 ,333. Is that you? Yeah. Okay, dramatically behind for age. How much did you take out before? I think it was a$4 ,000 disbursement. Okay. Yeah, it would have compounded pretty great at this point. 11 ,000, 401k, is that you? I mean, my balance was bigger, but it wasn't vested. So when I quit that job. It wasn't, oh. Yeah. Oh, it wasn't vested. Yeah. 11 ,000, is that you? So you have a separate 11 ,000? What, where? Is this the same account? It's the same account. I have 8 ,300 and then 11 ,000 here. I think one of those was all I could get. And so I took a screenshot of the other one for a up-to-date version.

1:28:37Oh, vested. And then here's the balance. Okay, gotcha. Okay, so 11 ,000. And then current. So definitely behind for our age. Yeah, I don't have none. They only gave me, I think this is a quarterly report. You should be approximately around$200 ,000 for your age in retirement. For what the household is. Yeah. Okay. Minimum monthly payments outside of the mortgage and the down payment assistance is$1 ,295.44. Now mortgage plus down payment assistance is$1 ,322.37. What is the utilities and internet all combined? Internet is new. So we just got fiber. So that was$109. Gas is$90. and average for all the rest of it, it's municipal, so it's all combined.

1:29:33It's around 170 to 200. Call it 185. Okay, 384 for utilities. Good. Phone bill? 280 right now. Oh, why? Because we just did a bunch of dumps on Christmas. We got our daughter's phones, new phones. We got our daughter's phones. If T-Mobile's good in your area, Yeah, I would definitely do more of a third-party service like Helium. It's so much cheaper. But that's once you guys pay off your phone. But we'll do$280 for now. Yeah. Gas, both of you combined. I don't use gas. Yeah, me, I would say probably$80 a week. A week? No. I do like$40 and then$20 towards the end. So about$60 a week, yeah. That's going to be$240.

1:30:23Just about car insurances. That's cheap. That's like$88, right? So$80? Yeah. $90. $90. Okay. TP fun for the house. Three kids. Yeah, that gets hard. TP fun? What does that all include? Anything else your house needs outside of groceries and everything. Outside of groceries? Okay, well, let's do groceries first. Okay, let me see. I mean, we could do, we should be able to do about$1 ,000. Yeah. Got a meal prep, though. This is meal prepping time. We're doing some meal preps. I'm okay with that. TP Fun, I'm going to say about, I'm going to conservatively say 250. You might have to go higher. I might have to go higher just because they're girls and I have to get stuff for them.

1:31:10300. Yeah. Some is deferred to next month. Some, you know, some months are higher, some months are lower. We're averaging out 300. Okay. Healthcare, co-pays, whatnot, prescriptions. Co-pay. Yeah. There's co-pays every month. I have a doctor bill that is$70. Cool. And prescription is just$15. Okay, so$85. Gotcha. Gyms? $20. Gyms? Oh,$27. Subscriptions I'll give you for the household because a little more with kids,$50. Okay. Any pets? Yeah, we have one dog. Age? Health? Old. She is about nine, but she's a pit, so she's close to end of life. So no health insurance. Not doing great, no. What about food?

1:32:03Dog food, how much? Dog food, 25 every two weeks, plus a bag of 40 a month. So$25 for a bag, that's like 10 days, but then I also get dry food. How much a month? Trying to think. 25, 25. I would say 100. Okay. Anything else that needs to be in your budget that I have not put in your budget? What was I just thinking of? That you know of.

1:32:32My brain was just thinking about it. I mean, yours will be more detailed than you make it. We put things in the TP fund. You can figure out your grocery a little more locked in. But this just gives us a general plan, general idea of what we can do strategy-wise. Is that$1 ,000 including? I usually spend about$50 to$60 on groceries a week when I had my fridge. Yeah, it should be. Because it's discounting what you would need from home anyway. Oh, we have the braces payment. Oh, yeah. Braces,$60. Yeah, it is a debt. We'll include it in medical. Okay. Interest on that? On braces? Do you know? There's none.

1:33:10There isn't. $5 ,233.86 doesn't give us a ton of wiggle room for such a powerful income. but that's the minimum of the payment situation we got ourselves in. 750 bucks, I'm going to call it. I'm going to round it down a little and be a little more conservative. 750 bucks. I would absolutely, though, do smallest to largest. I'd get rid of that city like that because that frees up a$41 minimum of the payment that funnels into the next thing. And then I would go from city to discover it to... I'm not going to do the down payment assistance. so Citi to discover it to Quicksilver and then the higher Quicksilver and then the personal loan and then after that I'm chilling and then get a fully funded emergency fund and then dramatically catch up on retirement probably 25 % on a monthly basis goes to retirement so 50 % to needs 25 % for fund 25 % to retirement let's see bad debt I was headed to mortgage $42 ,383.77 that's going to take a while six months That's not the end of the world.

1:34:15How long? About four and a half years. Four and a half years. I think with the credit counseling, it was about four to five. Yeah. Yep, four and a half years, but that takes into account your personal loan as well. Yeah, correct. That's your credit cards and personal loan is four and a half years. That was for the credit counseling. They were willing to do all four accounts. Oh, they were taking the personal loan as well? Correct. So, yeah, I mean, I would go, you know, you can go about it either way. I would look at the protections, what fees come with signing, all that kind of stuff. So if I do this plan where I'm lowest to largest, I can have it all paid off in four and a half years on my own.

1:34:51On your own. And we stick to that budget. Following that budget. And there's going to be a little tweaks here and there. Hopefully income increases over time. Hopefully the sheriff's situation levels out for you and helps with there. And we need to get you to make more money. That was another problem. I was working on a lot of overtime and then that was causing burnout. And then. Well sure I want you to pick up Some more stuff I'd rather you honestly get So even just like a call center Well I was gonna do Trying to do some Nail like help at my nail salon As her assistant Whatever you can do The more money comes in An extra 250 bucks that comes in on a monthly basis Net immediately speeds this up To probably four years Three and three quarters It speeds it up dramatically Okay All right.

1:35:40We're going to give the Hammer Financial Score for the household, but come join us in the post show, bring the producers and talk about some things that we didn't have a chance to talk about, a lot of other crazier things that would get us demonetized. That's how it goes. But Hammer Financial Score, spending a budget will overspend, 0 out of 10. Debt, no collections, but high interest, bad debt for sure, over the limit on one. I'm going to give it a 1 out of 10. Emergency fund, well, we've taken from crypto. We've put in the emergency fund, a couple thousand dollars there. For the household, they'll give it 2 out of 10.

1:36:06retirement dramatically behind on our retirement for sure 2 out of 10 real estate good equity position having a down payment assistance loan is technically going to bring it down great interest rate minimum payment we can afford for sure it's a good situation relatively 7 out of 10 we're really lucky with the house we have the mortgage all of it it's going to be a hammer financial score 2.5 out of 10 come join hammer elite the best membership on YouTube and join us in the post show. Three premium shows a day posted Monday through Friday. Join in below. I'll see you there. She wanted to confront the idea of these d***.

1:36:44If you're just going to keep something that could sell for a couple thousand dollars, why would you do that? I don't have anything that's worth a couple thousand dollars. No, you don't, but that was what he was hoping for. This is crazy, and I never do this, but I want to see your feet. Done? Yeah. Do you just want to see them? Collusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. 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 U.

1:37:21Mmm. Or this Tea Time U. Or even this Tea Time U. So did you hear about Dave? Or even Tea Time, Tea Time, Tea Time U. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great.