I Finally Lost My Mind | Financial Audit

31:42Then there obviously is two of them. And one of them is the DoorDash, one of the most expensive ways to get food ever. So what are you talking about? Well, you made it seem like I was charging while it was over the limit. And that's not accurate. I specifically asked why, if we are trying to be below the limit, are you spending on this card? As in you pushed yourself into the limit. And then the interest pushed you over. Why are you pushing yourself to the limit on this card? That was the card that I had money available on. Okay. Fun fact. We probably can't afford DoorDash then. Okay? It was either that or food.

32:23Oh my. It was either that. Groceries. So would it have been better to say H-E-B? Yes, because that amount of money at H-E-B could stretch further. That could get you two meals instead of one DoorDash. That it was two meals. That could get you four meals instead of two DoorDash. Have you bought eggs lately? You don't have to. Oh, guys. Hey, fun fact. Fun fact. Go walk into a grocery store tomorrow. You'll find that the only thing they sell there are eggs. No, I'm just saying if you periodically go to the grocery store to buy necessities,$25 because that's the amount that we're talking about for DoorDash.

32:57It was$26 of some change. That is not going to get me four meals. It's an example because it's meal prepping. There's$25 here. You take that, that's close to 10%. 10 % of the monthly budget I am able to get you to get three solid meals a day plus snacks in a healthy caloric way for a full month. That's almost 10 % of a monthly budget. I can get you. That's$25? I can. Oh, my. Do you understand what$25 is 10 % of? $250. Okay. So. Also, eggs, you can get a dozen. Double eggs. $4, yes. $3.80 something. $3.40. See? So, like I said, like, it's either that or that. So, congrats! I don't know if you know this.

33:45Oh, I'm legitimately very angry right now. Am I angry because of something before this episode? Probably not because nothing happened. But I'm angry. You are pissing me off. You could get seven and a half dozen eggs. Seven and a half dozen eggs. I'm doing, like, Trump hands right now. That's how pissed you're making me. But fantastic eggs, the most fabulous eggs. You could have had so many eggs and you could have the meals, the scrambled eggs you could have had in just your example, because eggs is what you care to bring up when I push back on DoorDash. The dozens of eggs you could have had. The holidays mean more travel, more shopping, more time online, and more personal info in more places that could expose you more to identity theft.

34:29But LifeLock monitors millions of data points per second. If your identity is stolen, our U.S.-based restoration specialists will fix it guaranteed or your money back. Don't face drained accounts, fraudulent loans, or financial losses alone. Get more holiday fun and less holiday worry with LifeLock. Save up to 40 % your first year. Visit LifeLock.com slash podcast. Terms apply. Because all I want is eggs, right? Huh? Because yeah, all I want is eggs. It was your f***ing example. That was an incorrect... But I was trying to make a point. You were making a point. I was making a point. But your point is incorrect.

35:02No, it's not. It objectively is. We just went over how how how in what way because your statement was for the amount of money that i spent that day on door dash i could have bought four meals yeah seven and a half dozen eggs could stretch further than four meals nobody is gonna eat that many that's your choice nobody's gonna eat that many eggs caleb oh great so it's eight meals that's not good for your cholesterol it's a how are you How have you existed? Are you on blood pressure medicine? This is, I probably should be after this conversation. This is probably why your business hasn't launched in two and a half years of trying.

35:41Because you don't know how to think through anything critically. That's ridiculous. $25. Okay. Okay. Rotisserie chicken. Boom. There's a meal. $5. H-E-B. You can go get the little meal. They have the meal prepped meal. Or they have the frozen or refrigerated meals. I've never seen a rotisserie chicken for$5 in HEB. Okay, then you've just never had eyeballs. I don't know what the f***ing tell you. Have you seen a rotisserie chicken? Okay, yes, I have. It's right f***ing here. Are you kidding me? It's literally right f***ing here. What are you talking about? How do you... You push back on everything.

36:17Shut the f*** up. Some things just are. Some things just are. Okay. Oh, my gosh. Maybe I just prefer to have a salad that day. There it is. It's a preference. There it is. You should have said that the whole damn time. That's all it was. It was you wanted. You wanted. Okay. You could have done better. You chose not to. So why are you arguing this? I'm not.

36:44Capital One, regular one. $1 ,308.50. With a$47 minimum payment. Oh. We're over the limit again. Yes. Yes, we are. Oh, you want a salad? You can get one for$5. Southwest chicken entree salad. Very nice. Ooh, chef entree salad. That's$5.72 from HUB. Interest is accruing. Paid a little more than the minimum trying to get it under. Capital One Walmart. We're addicted to Capital One. What do you... Sorry, I want to calm down for a second. I want to know what do you actually hope to get out of this conversation? Because I think one of the reasons why I'm pushed over the edge right now is because you just feel like, oh, you want to plug your candle company.

37:41You want to get a little bit of attention. You've wanted to be on reality TV. You want this. And it's pissing me off. What do you hope to get out of this conversation? Well, I came on the show because I need help. I am 46. I'm closer to 50 than not. And I'm running out of time to get my financial together. Because retirement is. So what do you hope? What's the help you're hoping? I'm hoping that somebody can help me create a usable budget. My issue with budgets is they're usually don't buy anything. You don't need to buy anything because you're so much in debt. You're so poor. You don't need to get anything.

38:22Eat air. Okay. You're objectively not poor. You make a lot of money. You know what I meant. I'm not going to do that. I'm not going to work to spend every dime on bills. That will never happen in my lifetime. Okay. You might never get out of debt. And honestly, with the student loan debt that I have, I kind of had already resolved that, but, or resigned to that fate. But what I do want to do. So you've given up. On the student loan part, yes, absolutely. But I feel like I can turn the rest of my financial situation around, and I want to do that. I genuinely want to do that. But if you're not willing to cut.

38:56The candles was a gift, by the way. So to say that I'm here to plug my candle company. No, I don't know. I didn't even mention the name of it. Just makes me a bit nervous. If it was about that, I think I would have mentioned the name of it. It just makes me a bit nervous. All that kind of stuff. And I never did any of that. So I'd appreciate an apology for that. Thank you very much. No. So I film four to five of these a week. So I've seen a lot of different people try to come on here for a lot of different reasons. Many episodes we have not uploaded. Okay, fair. and this resembles a lot of them and that's what upsets me but i am going to treat this regardless as you genuinely wanting help i've given myself a chance to take a deep breath and i your situation is scary for your age yes yeah all right calm down um i'm trying to be trying to bring us back into happiness.

39:52Well, I'm just saying, like, I don't appreciate the accusation. Because if that was the case, like, I could get berated by, you know, anybody else and actually plug my candle company that hasn't even launched yet. Well, no, you didn't get accepted to be on any other show.

40:09But the thing is, your retirement's at$10 ,000, but you have a loan against it for$8 ,000. I have two loans against it, yes. That's what scares me. It scares me as well. But you just specifically told me that you're not willing to cut back. No, I didn't say I wasn't willing to cut back. I said I was not willing to eat air for the rest of my life because I'm in debt. Oh, I don't think about rest of your life. We're talking about temporary sacrifice here. That's what this show is all about. I'm not willing to do it for a year. Six months, maybe. Actually, no. Air is not sustainable. It's not nutritious.

40:38Okay, well, obviously we're not going to do that. I'm going to give you a$300 grocery budget and you can follow our meal plan. Okay, that's fair. I can do that. Who would say don't eat? no one practical would ever say. Dave Ramsey says that. No, he says, binge and rush, binge and rush. I'm Dave Ramsey. That's what he says. That's still food. He's like, you can't go out. I'm like, that's not enjoying life. No, no, no. But why do you think you're entitled to that? Tomorrow is not promised. I could die tonight. I could get struck by lightning when I walk out of this building. You're right. That light could fall on me and end it.

41:07Absolutely. You are totally right. So we may as well sacrifice for the higher percentage that tomorrow is going to exist because if you get struck by lightning tomorrow you won't know that you suffered and sacrificed it won't have mattered anyway so do it be an adult that's what i say um uh but uh no he says you're never gonna see the inside of a restaurant unless you work in there i mean obviously that makes sense when when we're talking about per portion per calorie you are spending more at a restaurant than if you're eating at home when we're talking about not going out to eat for a little bit it's so you can take care of your debt.

41:45It's because fast forward 20 years for your life right now, your retirement doesn't exist and you'll never be able to retire. So I don't give a fuck if you feel a little upset that you're not eating out for a year. If I get you to a point where you're able to retire, if I'm evil for that, fine. I'm evil because I want someone to actually have a chance at retirement oh no how horrible i think it's literally first of all you're trying to be a business owner no business gets to any point i didn't get here without sacrificing different things no one gets that but you're someone who's puts putting their sacrifice on a time limit of six months and you have total debt of 229 544 a lot of that being a mortgage but that is your total debt.

42:36No, it's not a mortgage student loans. Oh, kill me. Capital One Walmart card. Let's try to get back to this. Okay. He used that exclusively. Oh, and it's the smallest balance. That's why I let him use it. That's why blaming him for all the credit card debt doesn't make any sense. You said the credit card debt. Okay, I did say that. I did say I was out of debt before I got married and now I'm back into it. I did say that. You're absolutely right. This? What are you what are you like what am i getting from this conversation this is banter now i don't even know what's true anymore that you're saying because this has objectively been false i mean if i knew where he was i could have had him here but i don't know where he is you're now an unreliable narrator when it comes to your own finances because you completely lied how the credit card debt was formed.

43:28No, I didn't lie. I mis-recollected. That's different. By a lot. By thousands of dollars.

43:40Buddy. Friend. Bestie. This is at$209. He said this is his credit card. The card regards that we went over before this were at$2 ,000 and$1 ,300. So I don't know what the f*** you're talking about. Of course, this is basically at its credit limit. Interest is accruing. A payment was made. I think I hit the table too hard. Reset your ambiance with the ambiance. I don't think that f***ing sets nerves. I'm sorry. It's okay. Just going to massage my wrists. Okay. Credit union. Okay, so you have a line of credit to the credit union. Is this... I've had that line of credit for like five years. Oh, wonderful.

44:23Yeah. What's the max you're allowed to borrow with this? $2 ,000. Oh, wonderful. So it's been probably maxed out for the two years. Correct. Wonderful. So A-plus debt, I guess we'll call it A-plus debt, it's the credit union, is at$1 ,960.23. With a 12.9 % interest rate, better than all the other credit cards, still absolutely horrendous. It is. For example, you know, I don't know. I don't even feel like going. What? No, tell me. You're not going to beat it in the, you're not going to beat that. You're not going to beat that interest rate in the market, so we would want to pay it off early. Okay.

45:03Ally. This is the episode where I finally lost it. That is a new credit card. People have always asked, and I've asked myself as well, two and a half years into this thing, what's the episode where I'm going to lose it? I've lost it. It's happened. We've reached the moment. Can I help you get it back? No. No. No, not you. There's nothing I can do to help you get it back. Not you. Okay. I think you're the one that made me lose it well then I feel responsible no it was some it was some teamwork teamwork makes the dream work you want to talk about my ally card now oh I'm just or do you want to skip it because it basically looks like the others no that's not how the show works but I'm just nervous of us teaming up because the last time you teamed up your blood pressure no it ended in 8 months It technically ended in the second month.

45:56He just... Really? I couldn't get him out of the house because he was on the lease. What does the future hold for your business? Ask nine experts and you'll get 10 different answers. Bull market, bear market, rates going up or down, inflation up or down. Can someone please invent a crystal ball already? But until then, over 38 ,000 businesses have future-proofed their operations with NetSuite by Oracle. the number one cloud ERP. NetSuite brings your accounting, financial management, inventory, HR, and more into one unified platform. This gives you a single source of truth, providing the visibility and control you need to make quick decisions.

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47:13There's no Milo here. Who picked up my son from school? Streaming only on Peacock. I'm going to need the name of everyone that could have a connection. You don't understand. It was just the five of us. So this was all planned. What are you going to do? I will do whatever it takes to get my son back. I honestly didn't see this coming. These nice people killing each other. All Her Fault, a new series streaming now, only on Peacock. The guide is free and packed with insights to keep you ahead of the game. That's netsuite.com slash hammer. Thanks to NetSuite for sponsoring this episode. Oh, man. So you guys determined who broke up with who?

47:51Oh, I kicked him out. I put him out to a hotel. He called the police. Called the police? He called the police on me because I locked him out of the house. And the police told him what I did was not illegal and he should spend the night somewhere the hell else. And when he came back, he was resigned to the second level of the home. That's where he lived for the next month and a half until he finally left. Okay, you have two floors. You don't need two floors. You can live in a cheaper place. candles don't need another floor all of my candle business information uh inventory slash stuff is literally in my dining room i have no and you definitely don't need two floors i eat on my couch but all the upstairs is my bedroom and my off my home office because i do work from home oh okay uh so we're double officing that's wonderful i'd do both out of one or work from the couch it's it's kind of um hazardous so like because of the you have to heat things to a certain level but you're keeping them on the dining room table i okay no no no just to cool it to heat the wax that's in the kitchen so the entire island of my kitchen has like melting pots ally is that 259 and 25 cents again basically maxed out yeah 27 dollar minimum fee payment yeah oh we're purchasing wonderful what are we getting food yeah tiff's treats it's cookies linkedin premium yes wonder who did that job okay yeah i mean in your field you could make more money again you're not making an insignificant amount of money obviously you just don't know how to manage money correct i admit that i admit that openly that's why i'm here i know yes okay that's why Everyone's here.

49:32Okay. Easy. And, yeah,$20 of cookies. The sugar cookies from Tiff Street's are pretty good. Unfortunately, Tiff Street's has gone downhill quite dramatically these last few years. I was a little obsessed with the ones that they have with the fancy middle. Like, they had a peanut butter with a raspberry jam in the middle. It was so good. Sounds good. I'm going to give them a shout-out, though. Tiny's Milk and Cookies. Go there. Have you been? No. Oh, go there. I think it's just a small local place. It's really nice. It's off of Mopac. I have your permission to go eat out at Tiny's Milk and Cookies.

50:06If you go find another man that you're going to marry in three weeks and he pays for it.

50:13And then you went to 7-Eleven and got some bullets. I got gas at 7-Eleven. Okay. Very little amount of gas. I don't drive anywhere. Okay. But you don't, you fill up your tank when it's like three-fourths or something? I fill up my tank when it's at a quarter and then. Okay, then you only put in an additional quarter? Yeah, because I don't go anywhere. Okay. It's a 31%.

50:40One thing I could do to at least help you. I think Course Careers has some cybersecurity certifications. I can gift that for free. Okay, because I do have two Okta certifications, but they have not really helped me get another job. I guess anything that just boosts the resume, the more the merrier. Let me look into that though because they have certifications for so many things. Let me remember. I appreciate that. Oh wow, credit one. That's when we really know we're in a bad situation. And that is another one that he did use because he had some dental work done. We used credit one for dental? This is a card that shows up in the mail.

51:17And he had a colonoscopy and he wanted a vasectomy. But you guys were married. Did you not get him on your health insurance? Yes. He is on my health insurance. Is this with the co-pays or trying to get to the deductible? I have a$5 ,000 deductible on my health insurance for the balmy price of$180 every paycheck. He's probably still on your health insurance. He is until I get my divorce decree so I can remove him. Are you almost there? I'm waiting on the court date. I've sent all my paperwork and it was accepted by the court. I'm waiting on the court date. Eagerly waiting. Oh, I thought you said eager.

51:52Okay. I was like, whoa, what's happening? Okay. What was my mind? Oh,$433 a purchase on credit one. Oh, and he also got his suits dry cleaned. Because he was going to sell life insurance. You know, he was obviously just marrying you for like money or something. I see that now. Yes. Did you guys have like good, healthy activities consistently? No. Okay. He was marrying you for the money. Yeah. I'm sorry. He was marrying you for the money. I know. I know now. Which is actually, I will, after rounds of roasts and things back and forth, I will give a compliment. You absolutely look fantastic for your age.

52:36Thank you. So, like, I think we could find you someone very pleasant who isn't bad. This is, this is, I will say this on your show. I am perfectly willing to relinquish all financial responsibilities to my husband that can manage our finances. Is that what you want? Because I'm not good at it. I'm just not good at it. Give me one card. Put whatever he thinks is necessary on that one card. Do you want to be like a trad wife or something? What's happening? I'm sorry? Do you want to be like a trad wife? I feel like this is like a theme. No, no. I have to work. If I don't work, I get really bored and then I start buying things.

53:13But you want him to control the money? If he's good at it, absolutely. I will relinquish that because I suck at it. What's Dolceira Creations? That's, okay, those lovely lids, that's where I get those from. Oh, okay. It's expensive. Okay, I want to, oh, let's, ah, I want to talk about a million things. Okay, let's go back to the candle. One at a time, sure. Okay, what do you sell? What is your product line? candles ambiance spray and bath salts walk me through the price of this that is a$45 candle the price it takes for you to make it to make it$15 what does this lid cost? per lid I'm sure you're ordering in bulk I do order a dozen at a time they're$30 a dozen I'm horrible at math I like the smell of this one I really do.

54:10So whatever that works out to be. Like I'm really bad at math. I don't know. So you think these are 15 to make? I have it in a spreadsheet at home. I don't have it like right here. Yeah. It's$15 because the vessel costs us a lot. Do we trust your spreadsheet? Well, because I have to put, I put in what I buy the lids for and then I use one lid. Then I put in. So it's 15? Yes. Now. That candle is 15. And then is the customer going to be covering shipping? No. Okay. So shipping is going to be included on your site. And obviously that entire box was very heavy. But keep in mind you had four products in there.

54:44Okay. Well, can you buy just one though? Yes, absolutely. Okay. I mean, shipping this within itself, this is like, you know, this is dense. It's probably because this is like real glass, yeah? Yes, it is. Yeah. It's very heavy. And that's going to eat into your margin. So I guess that's why you have to charge it at such a premium. But it's also a very long-lasting candle. Okay. Which is fine. but like that's expensive though you know it's expensive that's like a le labo type price okay oh that's not necessarily a bad thing it's just i don't know when first getting started because you have to have that price in order to generate any kind of profit because of the shipping cost it just it makes me a little nervous what i would like to do It was a subscription model to where they send back the empty vessels and I give them another one for it and they get it at a discount.

55:39So it's only like that hefty up. So you're paying for their shipping back too. Yeah. Oh, buddy. Okay, that's going to be expensive. So that means the subscription is going to have to be expensive.

55:55So your launch, what is your launch plan? Your launch plan. you mean like where how do you plan to launch this online so you just click i have i have a website go live i have a website that's all your plan is no i have influencers that are going to help unbox and promote and go on like what on tiktok how many followers in total across all influencers oh i don't have that many followers oh for the influencers um there's at least 500k What have you paid? They get a candle. And they're doing it. Yeah. 500K across the board? Yeah. What are they getting consistent views on a monthly basis across each of them?

56:36Oh, that I don't know. Well, at least it only costs you a candle. But if you were paying for it, I would have been upset if you didn't know. Well, hopefully that's good. Actually, that's a cheap way in. I'm more curious about their views than seeing if it actually leads to anything. you're not going to do any paid marketing in terms of like Facebook ads, Google ads. I thought about Facebook ads, but I'm not 100 % sure where to go with it just because. Facebook ads are pretty good if you can really dial it in. Okay. And they're pretty cheap too. Okay. I'm open to that. Because, I mean, I obviously haven't burned this, but, you know, just smelling this here, the feeling of it, the look of it.

57:13I do like this. Thank you. You know, and just in general, just the instant, you know, off the cuff. What about a pop-up? Oh, actually, even better. You know what they have all over town? Just the little markets. But it starts building your in-person customer base. You're right. That's how I started enjoying. Obviously, it's not a. That's how I've started enjoying some local products. My fear is the integrity of the product because it's wax and it's Satan's balls hot outside. I don't want things to melt. Other people do candles, though, at these markets. I go all the time. And then I don't have it.

57:47I don't have a table for that. I need to have. We can get a cheap table. OK. And then do I need a sign? Yes. You'll probably have to invest a little bit of money into it. But again, you're just getting in front of customers in front of wanting customers too, because people go to the markets to browse new products and support local businesses. Okay. I'm not saying that is the first off. That's also a great place to get customer feedback to tweak before major launches as well. I almost actually wish you did that for about a month or two before a full launch. I don't like that. This, this is like kind of sticky.

58:20That would be my only negative feedback because I don't like that it's sticky. The negative feedback of the smell of the other one is not fair just because I just don't like that smell. I understand.

58:34Okay.

58:38You just like psst, psst, psst. Okay. So the credit one. You did the – okay. Okay. Here's the thing about the business. Let's keep talking about it for a second. If you're funding the business and inventory on credit one out of all the debts, this is essentially like the last step before a payday loan in terms of how bad credit one is. This is like the worst credit card you can get out there, the monthly fees, all this. These show up in the mail, and that's how you get them. And you're funding your inventory based on that. it's at that point, I'm almost not even doing the business. If I'm funding it on credit one, that means you've pushed it to the absolute limit.

59:23Yeah. Plus two and a half years. What have you been doing? And then there's also an apple bill on there and then the flaming candle. What's that? That is a candle supply company. So I get fragrance oils from there. Like there's various things. Funding. And then your energy bill. Yeah. On the credit one? Yeah.

59:54oh we might need it okay can how long do the launch after the launch after the launches is you might for the influencers if it goes well you might get a little bit of influx but then it dies down consistency and profits and that that might take a long time to get to how long do we allow what's the runway on this on using credit one to fund inventory what's the runway on your business that you're going to allow yourself before we finally just cut our losses and say that okay our retirement is literally zero because we've borrowed against all of it and we're almost 50 at that point what are you allowing your runway to be because that's terrifying yeah i really don't want to give up on it because i put too much in i know you don't want to but what runway are you allowing yourself and also that sunk cost just because you've lost money into it doesn't mean we need to lose money forever on it granted so what have you allowed have you given yourself a cutoff yeah like six months so it's a time thing yeah okay but it's not a once i launch if i haven't sold anything i don't because this is the thing that in my mind i don't anticipate generating a profit because it's you know you gotta like put whatever you make back into it to buy more materials to make more things yeah you gotta fund and so like purchase orders for this kind of stuff yeah so like i don't anticipate generating a profit but i'm trying to give myself at least six months to actually make sales.

1:01:27I'm just a little concerned that this is a hobby that's gone a bit far. Okay. Fair. Fair. It's taking a long time, a lot of debt, and we're funding it on credit one. If it was like a business, small business loan or even a personal loan, I'd be like, okay. I. I'd feel gross, but. I don't think I can qualify. No, not at this point. Not at this point. But before the credit ones, maybe. Our energy bill on credit one. So I don't even know if I said the balance, but it's$415.73 with a$30 minimum payment. Oy. Oy vey. Oh, good. We have another credit one. Credit one number two. There's three total. Oh, okay.

1:02:08$1 ,655.68. Oh, I thought I saw pass two for a second. I was about to lose my mind. This is the fees because credit one always has fees.

1:02:24express payment fee what even is that thank you for not purchasing you probably can't it's at the limit isn't it it's basically at the limit oh boy oh yes credit number three LinkedIn premium on here as well two LinkedIn premiums not in the same month these statements are all from the same month well the dates one was because one was paid oh i know what i did so i i upgraded the linkedin premium so that i could actually send emails to recruiters because i was you only get like five or something like that and so if i when i upgraded then i got 15 i wonder if that even works no so i didn't renew purchases and it was that and then of course there's unlimited fees because it's credit one minimum payment 53 dollars and the balance is at 1052.97 cents.

1:03:18Oy, oy, oy. You need, you can't, you're not a card person. You need to use a charge card. Like the fizz card. Something where you, yeah something, well essentially where you, you put the money on the card and you can only spend what you put it on. Okay, what are these? Yeah, secured cards as well. Charge cards, secure cards. Charge cards are more like you have to pay it all back by the end of the month. Like it forces you to. Okay, what is this? Well, now I know what online divorce.com is. Yikes. we're overdue two payments yes we are so we're in collections for the entire balance right now your marriage is in collections and the divorce is in collections yeah my goodness yeah big mistake i regret it i have regrets yeah but which is why aren't you paying i'm sorry just why aren't you paying this i don't have anything extra um i'm not prioritizing it i'm not i don't have anything extra to prioritize that okay you spent six hundred ninety seven dollars and eleven cents going out to eat and six hundred thirty thirty seven six hundred thirty three dollars on miscellaneous bs which is essentially just endless crap and then 156 dollars on subscriptions so that is incorrect you do have extra money you're just spending on going out to eat and shut down your throat there's going out to eat and there's also taking care of my cat that i had to put down recently that was 800 that's probably somewhere under miscellaneous in there no no it's not i said miscellaneous of 600 if it's 800 it wouldn't be in that that doesn't make any sense oh also going out to eat is uh not putting down a cat that's true true true i'm sorry you did i'm sorry that happened i've i love cats i love dogs i love every animal and i'm really sorry because that's like one of the hardest days that really is but that was not the expenses i was calling out that is a necessary expense i didn't call out necessary expenses So you did have money left over.

1:05:06You were choosing to DoorDash. It was$641.50 on DoorDash alone in the month. It's laziness. You're lazy. That's fair. You're a lazy 46-year-old child when it comes to your food. Okay. That's fair. I don't like to cook. Yeah. Well, there you go. That's being a baby. And I don't think we get to be a baby when we have$0 in retirement because we've leveraged against it. Sorry. I have no comment for that. Yeah. It doesn't mean you're a baby in every aspect of life, but in your food, you absolutely are. So we owe, and you said this is in collections now, officially? Yes. Internal or like they sold it to a collection agency?

1:05:46I believe it's internal. Okay, so you owe$199.50 to online divorce. That's like$300 and something altogether. Okay, so it's$300? Yeah, like$3 something,$390 something, I forget. Okay, so$400. Okay, 390 online divorce. Can I ask? This is going to be personal. This is going to be inappropriate. It's going to involve...

1:06:13Did you guys... I'm so curious about this marriage. Did you guys ever consummate once? Yes, absolutely. Okay. Not necessary to know, but... It's a very intriguing marriage. Yeah. So I want to know if you guys even touched. Yeah, we did at first. at first it was three months what's at first considered in three months the first month ish roommates with benefits um yeah that's what it turned into and then no benefits just you take up see at least handsome suave hey yeah he really was cute short but cute what's short he's my height I'm 5 '4 short king no not a king kings don't cheat exactly short loser indigo indigo indigo yeah adding an extra hit the Spanish his South American heritage was on my mind so this is okay I won't say what it sounded like Ndingo?

1:07:27Please don't say it What does it sound like? It sounds like Mandingo and that is not South American What's Mandingo? That's African Oh what is it? Huh? What is it? I can't tell you that Is it a tribe? No Oh No It's a We'll have to save it Can we talk about it in the post show? Yes we can Oh guys stick around if I make it. Okay, for Indigo you owe$100.48 with the$40 minimum fee payment. I'm just surprised we don't just even just like kill that. Just kill it, yeah. I should. An annual fee is kind of what hit and that's what brought it up. Exactly, because it was paid before that. Close it. If it has an annual fee and we're not even using it it's just like...

1:08:14I didn't want to take the hit on my credit score that already sucks. Yeah, but that's the thing. It already sucks. So you may as well just take the hit? What are you, like, I don't know. It's... Because here's the thing. I can't move into a cheaper apartment unless my credit score is above, like, 600. So I'm kind of stuck with that. Potentially, you might be able to move within the same complex, but... It wouldn't be a cheaper apartment in the same complex. How many rooms do you have? I have two, but... They don't have one beds? They have one bedrooms that are more expensive than what I'm paying for my two bedroom.

1:08:46Okay. All right. one main financial oh my goodness how many debts do you have so far we're at one two three four five six seven eight nine ten i want to take a nap we're an hour and eight minutes into this thing this is gonna be one of the longest episodes i'm sorry no that's fine that's fine that is a title if you walk away with something positive legit it's fine even if i lost my mind there for a bit that is a title loan that is what i used to pay the credit cards before i got married

1:09:19so you didn't ever pay off your credit cards you consolidated them on this yeah well they were at zero so for me that's paid off i can't even like react to this anymore like all my all my reactions my ability to react is gone so i'm not surprised anymore but it's also So it's just like, again, you're an unreliable narrator of your own financial situation. I mean, I'm not using the right terminology. I'm sorry about that. Well, that's okay, but that's what makes you unreliable. Okay. Just like if you say something about your finances, I can't just take your word for it anymore. Oh, okay. Not because of lying necessarily, but.

1:10:02Thank you for that. What? I'm saying I'm not lying. Well, for at least this one, you're not. I think the guy, I think you, did lead us astray on that one. No. Yes.

1:10:21$455. Basically$4.60. $0.58 a month is your payment. And the consolidation. First of all, it's at 24.84%. So you barely even saved any money on it, like 4 % interest, depending. So I don't even know what the point was. You just allowed yourself to build up the credit cards again. $14 ,724.10. And you try to blame building the credit cards back up on the guy, but now we know you didn't ever even pay these ones off anyway. You just consolidated them and then built them back up. This is horrendous. This is horrendous. That's an insane debt, and I have no energy to react to it. Okay, two failed payments for what?

1:10:57Fashion Nova? What are we doing? You're just so indicative. Oh, is that a firm? That probably is a firm. Is it? You owe$405 to a firm? Mm-hmm. Wonderful. I lost weight. I need it close. That's good. I lost 85 pounds. I need it close. Dude, congratulations. Thank you. That's sick. That's good. That shows you do have discipline abilities. That's good. That gives me a little more hope for the finances. So we owe$405. Is that all owed at once? Yep. Do you have any more? I don't think so. I probably don't let you. Well, you said this was a firm? Mm-hmm. I mean, maybe we just wear baggy clothes until you can go to the store and just buy the clothes though kind of sucks oh my are we behind on our energy bill no that is not an energy bill that is a statement for my rent my that that's how they send it to you oh so you can see how much the rent is you're not behind no okay you can't be behind here you are kind of the summary of what have a lot of americans experience a lot of people think they come on the show and the income is the problem.

1:12:05You're not. You have a very blessed income. You put in the work for it. You worked for it. So don't get me wrong. It's not like you were just giving it. But you have a great income. Income is not the issue. You've inflated your lifestyle way beyond it. Yes. I admit that. Yes. And now I'm comfortable. And that's the problem. Okay. So walk me through your schooling. Because the fact that you owe$273 ,288 ,044 on student loans is vomit-inducing. Okay. Okay, so I started going to college immediately after I graduated high school, which was in 1995. That was the year I was born. Congratulations. Thank you.

1:12:45Good year. Apparently not for you. No. I had to take a break because I had to work. So I had to finance this by myself. My parents did not help me at all. So I had to take out loans. as I got to be in a like where I had to have my own apartment and things like that I found myself in transition often as in like I didn't have a job so I'm like my student loan payment would come through or financing rather would come through and I would just take the maximum so that I could support myself while I was looking for another job yes absolute wrong thing to do but at the same time at a private institution out of state or what?

1:13:28It was initially community college then it went to but that was in the beginning then I ended up going to a private school for six months I got kicked out and then I didn't pay like they told okay I had a pre-approval for a loan to go to school and then once I got there the pre-approval after you got kicked out and then after i got kicked out i moved here to texas and i started going from kansas city okay and i started going to school online and that's where the intermittent job thing kept happening but you borrowed so much money so how long were you in school um between 2007 and i finished my master's in 2011 i experienced three periods of unemployment during that time.

1:14:21Yeah, but the amount of money you borrowed to live, I don't think you were living on your minimums, your needs. You were living high and going crazy. I had to pay my rent and I had to pay utilities. No, we know based on how you live right now, were you blamed your rent at the beginning? No, I was not doing DoorDash. DoorDash didn't exist then. This is 2007. DoorDash and restaurants still existed before DoorDash. I wasn't needing out. I was eating hot dogs. I'm not lying. I can't believe, there's no way you borrowed$273 ,000 to live for five years. No, no. it accumulates. I kept deferring. You're right.

1:14:54You took out$193 ,000. There's no way you borrowed$193 ,000 without living above your means. And now you're just hurting yourself even more because, again, yeah, you're not doing anything and you're allowing interest to accrue and you've taken it from$193 ,000 to$273 ,000. Why ruin your life with this? I just don't. It's 100 % your choice. You could at least try to get on something like the save plan. I am on the save plan. Oh, you're on the save plan now? Yes. Bad news, it's getting challenged dramatically in court. But like right now, payments are on hold until they work that out. What was your payment, your monthly payment?

1:15:34It's like$2 ,000 something. Once you're in the save plan. Oh, I'm sorry. In the save plan, it was$2.55, I think. Okay. Again, I've lost all ability to react. That'd be wild. Instant cash. Bridget. Huh? Bridget. What are you doing? What do you mean? What are you doing? What am I doing with Bridget? What are you doing with Bridget? Who's your gal, Bridget? It's like Dave. Or can we borrow against your paycheck? Yeah. It's a crutch, and I need to stop using it. Well, you're just, you know, payday. Borrowing your shit constantly Robbing from Peter to pay Paul Robbing from Peter to pay Paul What's this called again?

1:16:26Bridget? Uh huh

1:16:30It's okay Dave's a bitch too Okay You're$133.99 Wonderful Oh boy Yeah you're just paydaying constantly Yeah it's a crutch Is that it? Is that all? the debt is that all the debt or is there any more debt is there any more debt for us to suffer through together i think that's it okay i find this what's kind of interesting is i'm almost like if our situation was that bad if the vast majority of that debt was like consumer debt i'd be like okay let's just go bankrupt at that point it's student loans that's not going to be forgiven through bankruptcy it might be worth looking into like a debt payback plan thing like through relief app might check that out uh i can get you connected with them they have some debt repayment negotiations and strategies.

1:17:16But it's going to just depend on your working with them. So I can get you connected with that. I don't know. The debt situation is just really scary. Oh, no. What's your 401k loan? You do have more debt. What is it? I don't recall. It should be on my post-stubs. You should have retirement at the end of the stack and your stack be thick. $10 ,561. Oh, no, no, no, no, no. That's your vested balance, but you owe$9 ,185. So you have$1 ,000 in retirement. Oi, oi, oi, oi, oi, oi, oi, oi, oi, oi. They only let you borrow half. That$10 ,000 is my vested balance. What's the interest on this? The other half is what I owe.

1:18:04Three something percent? Oh, I see. It's 3 % interest? That's it? I believe so. It's actually not horrendous, but... But still not good. I get that. no i don't need caffeine producers i've just lost all hope and joy and existence i'm not tired i'm dead eight dollars on our checking account one of them okay wow um have you ever opened your phone and not clicked on the amazon app elderly cat i've been trying to figure out before i put him down can i see your order history on my again you're not a reliable narrator so i need to see yes okay i have to go get it is that okay um okay fabric softener i don't know what that is yarn eyeballs evil eye can i i'm gonna screen recorded okay sure so you can send it to us sponges citric acid baking soda bath salts cleaning salt salt salt salt salt salt salt new clothes because you lost weight more salt salt for days plastic plates maybe you just do dishes instead plastic plates are paper plates they're a luxury plastic coated but i don't think you can are you sure oh sorry No, I apologize.

1:19:31It was free, well, or grain-free wet cat food lickable things. Okay. Looked like Sudafed. Were you ill? Sinus headaches. New underwear, cat foods, cat things, greenies. How old was your cat? He was 16. That's incredible. He only wanted water. i think we can all you know just um just that's horribly sad sister is 12 so i'm trying to she seems to be okay at the moment but i think she's figured out that her brother is no longer around i'm a little that's sad i'm a little nervous of the i mean you get a lot of household things in here and the clothes i understand what happened with your clothes but again you just can't You can't afford a lot of this stuff right now.

1:20:22Maybe we're getting a couple new pair. But you're buying new clothes like every day. Not every day. It was pretty damn close. Because it says Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. With underwear, if you buy underwear, because that's what I was buying. I'll be transparent. Well, that was one of the purchases. No, I saw more than underwear. There was underwear on there a couple of times. This particular dress actually was supposed to be for a date. But anyway, underwear, you can't return that if it doesn't fit. It's a health hazard.

1:20:54So it's trying to find the right size. And sometimes things are not made in the United States and you're just kind of stuck. But there was more than underwear in there. I know that. Did you end up going on the date? No. So we paid. But I wore the dress here. It's not a date. $100 went out through Zelle. What's replica? I'm just going to Zoom. This is Amazon, Apple bills, DoorDash, Uber, Trip. We're not surprised. More DoorDash. Okay,$900 in here in this checking account. Thank you for having at least a few hundred dollars in this one. Uber Eats, Shocker, Netflix. Dating coach?

1:21:36I was lonely. No, I get it. I am scared. I do have the fear. Can I say this? Can I say without? No, no. You seem like someone who gets insulted easily. um um well that insulted you um sorry i'm just very blunt and open with my thoughts um just say what's on your mind i fear to be you i think scares me like so i get it i get where you're coming from okay and that's like one reason why it's just like you know i'm kind of afraid of also being single when i'm older okay fair but a dating coach what are they doing what are they doing they were trying to help me navigate um finding a meaningful and actual relationship do they help you meet people though sometimes why did you not go on the date the other day um i chickened out why i don't know that's on you why it is on me i felt like maybe like i wasn't going to meet his expectations or something like oh don't think this whole like weight loss thing has really been a complete mind for me and like my confidence is like way off really yeah and you're going to therapy you said yes i am i am uh you look great thank you great um no get out there uh there's uh um one of my producers went to one i was supposed to go but i bailed at the last minute i decided I did not to because it's scary.

1:23:13But a few months ago, he went to a speed dating thing. Yeah, I saw that the age maximum was 45. Is there 45 to like 55-year-old ones? I didn't see that. Or 35 to 55? I didn't see it. I mean, I'll get back out there, but I want to get my financial together first. Well, I agree, but also this is going to take a long time. I get that. I think you can go on dates as well. Hinge? No. You're doing Hinge Life? No. Tinder Bumble? Tinder for kicks. Match.com? Hell no.

1:23:51I can't get Facebook dating back. Farmers only? You know what? I wanted to date a farmer for the eggs. For the eggs? For the eggs. Wow. Yeah, see. Must have chickens that produce eggs. The$3, yeah. Okay. Yeah. I mean, you could have got about... I know. 27 dozen eggs for the amount of money I spent on DoorDash. No, no, no, no, no, no, no, no, no, no, no, no, no. The amount of money you spent on the dating coach, you could have got four dozen eggs. Yeah, it ended up not being really good, so I couldn't continue. I mean, I think it's just more, probably try to just get out there a little more. I'm not the person to be able to give good advice on this.

1:24:28Our budgeting program, which is provably the best that can be taken anywhere online, is now bundled with our investing program, where you can get$100 in cash gifted into your Moo Moo account. This is literally the best education you can take in your life right now to turn around your financial life or take where you are and make your life even better. These are bundled together for a limited time for 15 % off. Check them out. Links in the description below. Lots of Amazon. Lots of Amazon. Zelle. Well, actually, I go on a decent amount of days. I just, I guess I haven't been in a relationship. Well, okay.

1:25:03It's not a competition. I don't know what this conversation is. It's just free flowing. Go with it. take the vibe my vibe is dead no don't say that that makes me feel bad no like cause I it implies that I killed it you're pleasant when you're not talking about finances okay I think look you have a nice laugh look at that no that doesn't make sense I was gonna tell everyone to ask you out that's a horrible thing Please don't. Don't do that. That's why people use fake names anyway. What is happening? Spiritual society. Yes. What? We're in Mercury retrograde right now. Oh, my. You're delusional. No.

1:25:51These are. Oh, my. I've lost all hope. Planetary alignments are important. Think about it. Over the centuries, over thousands of years, that changes. When was the last time there was an earthquake in New York? I don't know. You can't think of one. You can't think of the same. You can't think of the last time there was an earthquake in New York immediately after a blizzard. I don't live in New York, so I don't track that. Okay. That aside, there is stuff happening. It behooves all of us to pay attention to what's going on. I'm not saying you got to invest in it like I did, but I want to understand my birth chart.

1:26:23And I want to understand what triggers my moods and what like. That doesn't. It doesn't. Because you've consulted? Huh? You've consulted someone that does that? Why would I consult? No, I like science. It is science based. Yeah, it gets peer reviewed and goes through the whole scientific method. And there's a scientific theory based on all that. Let's just agree to disagree. There's a whole country that does this. A whole country does it. And what country is that? India. Oh, great. They don't have a GDP per capita even where close to the United States. So I don't give a shit. India does. People there live a long time.

1:26:57Okay. Registered earthquakes in New York. October 28th, 2022. February 16th, 2023. April 5th, 2024. June 28th, 2024, July 31st, 2024. That's New York. Let me get New York City. Don't forget there was a tsunami as well. In New York City? No, no, no, no, no. Tsunami. That shit happens. I'm just saying, but like, look at what's been happening in the last six months. That's all I'm saying. You shouldn't have access to the internet because you, like, that shit's been happening since the planets existed. Not this. No, we just hear about it more because we have access to all the information happening at once.

1:27:34No, I disagree. I don't know how you disagree. But the fact that you gave me hope for a second by the discipline of losing weight, but you live in complete Delulu land of the world. I mean, so I've now lost hope again. It's not to insult you, but planetary movements and star systems. Yes. You care about the stars, the pattern of the stars? Do you care about that? Yes, I do. Astrology? You know our solar system with the way it's traveling 100 ,000 years ago, the star patterns in the sky look different than they are now. Not completely different, but different. So it's the whole structure of the stuff.

1:28:18What's it called? The solar system? No, not the solar system. Just how the night sky looks in our lives is completely different than it is hundreds of thousands of years apart. that system's complete bullshit you gotta believe in something dude no you don't you don't have to I choose to no that's fine you can but you don't have to I do but you don't have to you can exist without believing in anything there are people that do that I'm sure everyone believes in things I don't even know what you're talking about oh Amazon Amazon Amazon I'm gonna ask you DoorDash I'm gonna just Amazon Amazon Amazon DoorDash Hems and hers What are you getting through Hems and hers?

1:29:11I get finasteride To prevent myself going bald Oh what's that What? Minoxidil I know I know I asked where but I don't want to know DoorDash Fiver Fiver Who are you Fivering? People to help with the non-profit that never did anything. Oh boy. That was very recent. Cash App. HBO Max. Can't afford it. Amazon. Oh no. Oh no. Spiritual Society? More of that? It's also that it's just draining your money that you don't have. DoorDash like a million billion times on here and Uber and just Kindle and Alexa Skills and a million more DoorDashes and Amazon and a million more DoorDashes. $25 in your business checking account.

1:29:57Thriving. $60 in cash app. Oh, good. It's four more door dashes. And cash in app out into someone else. Michigan doesn't have earthquakes either, but when I was there, we had an earthquake once. I'm just saying. It seems like this year. And we're not even at... Last five recorded earthquakes in New York City are July 31st, 2024, April 5th, 2024, February 16th, 2023, August 14th, 2022, March 20th, 2021. So they happen. They're small scale, but they're registered. So, you know, we had one in Texas like last. Yes. Did you feel it here? No, I did. OK. Just saying there's things happening and you pay attention.

1:30:42That's all. But if you don't live in the real world, how are we going to like I just. OK, let's not focus on that. I don't know. It's hard for me to move beyond someone being delusional. OK. I mean you spend double what you make so this is also do you feel that? no you didn't because you thought you spent exactly what you made yeah I'm still trying to add that up in my mind because it doesn't if I didn't have it here's your spending categories you can look over these spreadsheets it's exactly what you spent your money on here you go do I even do a budget man? people hate it when I don't you don't know what it's like to be here this is insane I can't say I want to die, but I want to die.

1:31:26Episode 3. Gosh, I wonder how much of this episode is going to be cut. I'm curious. $850 minimum debt payments. You know, again, for your income, technically you can afford it. Do you owe money on your car? The title loan. $460 a month. I know. Just half your debt. What's your rent? $2 ,000. Including all utilities? No, it includes cable, pet rent. water, trash, and internet. What do you say, 2 ,000? No, I see 1 ,693. Oh, that was because it just went up. My lease renewed. That much? You just allowed that? You didn't threaten to leave? They don't give a shit to leave. Yes, they do. No, they really don't.

1:32:09I forced them to fix my apartment. Oh, my gosh. Yeah. Buddy, I have a lot of friends' apartment jumping. Absolutely, you can. Austin has... Rent, credit. Austin. Credit squadron. Well, yes, you f***ed yourself, but you could have gotten better rents. likely in that same unit. Because Austin has an actual decent supply of housing right now because we had the biggest apartment boom in the United States because they fixed zoning laws. They're going to try to get as much money as possible. You just allowed them to. You didn't play the game. So$2 ,000? Utilities on average? I pay for electric. It's about$200 on average.

1:32:50cell phone just went up because I I've got home internet as a redundancy because Spectrum was out for like 8 hours and I work from home so that can't happen again. How much is your phone bill? I'm so sorry. Phone bill is now $240. Oh! Oh! Someone prepare my office noose. I need to walk in there and

1:33:23make sure I never film one of these again $300 for groceries $100 for a TP fund anything else you need to survive TP? Yep, it's anything else you need to survive stands for toilet paper fund you get your toilet paper but you also get your makeup you get whatever else you need gas, vroom vroom, drive, drive, how much monthly basis? $20 to$50. $50. Car insurance? Oh, I pay that in full every six months. How much every six months? $920. $153. Co-pays? Anything like that? Therapy? How much do you have to spend on just medical stuff on a monthly basis? $200. Gym? No. Do you have pet insurance? I do not have pet insurance.

1:34:12Highly recommend it. It might be hard with your cat's age, though. Yeah, that's why I don't have it. But next time, how much for cat food on a monthly basis? $60. And no subscriptions. That's canceled. Okay. Anything else you need to survive that we haven't talked about? No. Okay. You have no excuse. No excuse. You've just completely done this yourself. You make$5 ,357.68 a month. Congratulations. Your necessary to live is$4 ,153.58 a month. Okay. You know what? I'll give you fun money of even 200. No, fun plus business, whatever,$200. Boom, you have$1 ,000 left on a monthly basis. Okay. Buddy, that's nothing.

1:35:05Are you counting my student loans in there? Huh? Did you count my student loans in there? Well, we don't know when those payments are going to start. When they do start, your fund gets to zero and you still have$1 ,000 left over. Okay. Essentially. But either way, the one main, the title loan, that's what's really killing it. But all the other debts except for the student loans, I just want to give you an idea of when you do the sacrifice, which you're only willing to do for six months, which makes this entire conversation hopeless. That kind of threw me over the edge, remember? because I know it's going to take a long time.

1:35:42Plus Bridget. Okay.

1:35:49So, totally worth it. Buddy, literally just under two years in all of your debt besides your student loans and 401k. No, your 401k will probably, because that comes out of your paycheck. Yes. So, when is that projected to be paid off? I think three, four years, something like that. Whatever, do that. it's a three percent don't do it again but um literally under two years and everything's gone except for your student loans your life has changed in two years okay i can do two years you can do two years i can do and i'm giving you 200 of fun spending too you could probably make it even a year and a half really if you really wanted to you can make it a year and a half but again this is also dependent i'm if you start you know pumping this up with a ton of money to make the dream and i i i cheer for the dream but we're just not doing it on credit one you know but if you're spending a lot on this you extend it to maybe three years or something you know it really depends um so but your retirement you are going to be playing the catch-up game at least 25 on a yearly basis of your income but that's fine you still have 25 that's been on fun the fact is with how bad you've put your situation in because your income is so incredible and it can be better and will get it better if it does you cut this down even more dramatically even still two years of sacrifice is nothing so you're willing to do more than six months I am willing to do more again I gave you a fun budget so it's not even it was just what I was not willing to do was not have anything at all what does that mean not have anything Like, no, you can't have a pizza.

1:37:31No, you can't, you know, go to Vegas for your birthday. Okay. I mean, that was an exaggeration. I'm done. I'm just saying, like, but if you're saying, if you're saying with this budget that you've created for me, if I just discipline myself and I follow this budget and I will have credit cards will be paid off and eliminated, even though I'm going to take a hit on my credit, but okay, we'll do what you say. I know how to follow instructions mostly. So I will do what you tell me to do. I will do that. I hope so. I hope so. It's recorded. I will do what you tell me. Well, we have a follow-up channel for you to come on and prove it.

1:38:11So please do. We'll hold you accountable. But don't do it for me. This is literally your life. Well, yeah. I want to be better. I don't want to go into another bad situation. I don't want to be where I have to be dependent upon like, hey, can I get 20 bucks so I can get gas? I don't want that to be my life. I'm already way, way behind the curve when it comes to retirement. And I'm going to have to figure out how to move to Belize to retire. Yeah. Because I can't afford to retire in this country. You've got this mathematically. Now you just need to put in the effort. Amar financial score is spending your budget 0 out of 10 because you overspent by double.

1:38:52debt you have collections so zero out of ten and a 401k loan so yeah emergency fund is non-existent zero out of ten retirement gonna give it a one out of ten for getting started but that 401k takes it all the way down real estate zero out of ten hammer financial score 0.5 out of ten in the post show we're gonna talk what was it called Bogongo No

1:39:17What's the word You said Andango And it made me think of bandingo We're going to talk about that Don't delete that There's something about eggs we're going to talk about as well That's about to They've done the math A lot of egg math We're going to talk about a lot of things with you in the post show So Here we go make sure to join us for the post show everyone with the links in the description below today on the financial audit post show what did this last guy want i think he just wanted somewhere to live for free how was just like existing around each other i hated him the energy in the house was heavy what did he do to piss you off so he would say things to me like i really prefer when you don't talk oh geez is he gonna get in trouble with the divorce process and stuff for being undocumented?

1:40:06I genuinely don't care. I know, but is he going to, right? You better hope Ice can find him before I do. Oh, gosh. To watch the Financial Audit post-show, click the Join button below.