I Wasn't Expecting This... Transition… | Financial Audit

33:00I didn't know how the price was when I saw it, and I'm like, oh, this was expensive. We're still paying for that. New apartment, the big house, or after the f***ing big house? After the big house. So every time we move every second of our lives and we have to refresh our entire entire furniture package of the house. Yes. Not everything. But like some spots that you're like, oh, something right here can go. Something right there can go. And we just buy it because it's going to be looking good. And there's a part right now that I told her we're not going to move for at least five years now. Yeah.

33:27Bullshit. But yes. Why are you moving? No. Ish. I don't know yet. What is no ish? Because my mom today lived with my sister. Cool. October, my sister is going to New York. Proud of her. And then my mom's going to be alone. Is your mom incapable of anything? Well, she has a heart problem. She had to go to surgery. Is she a citizen? She had a green card. She will be a citizen in a couple of years. I mean, she'll receive some kind of disability, right? Because of her, no. Well, she can't work because of her heart. No, no, she does work. So what's the problem? Living alone. Like, I'm scared that she can't, you know, do something and just die or something like that.

34:14Okay, how bad is it? It is kind of bad. It's not as bad now because she did the surgery and before we lived together, but it didn't work at all. Why? I think my mom have kind of, like, I don't say if it's jealousy. It's not jealousy. It's weird for my mom knowing that I'm married because I've always been her baby. Does that make sense? So she was kind of competed with my wife Who gave me more attention And after not getting attention to her Or my wife Don't live with her then She sounds like a f***ing brat Well that's what I'm doing now I put my feet and I'm saying that I cannot live with you And I know right now I cannot afford to help her But I told her that I could What's her job?

34:57Why did you tell her you could? Because I don't want her to live with me My wife and my mom don't they don't get along at all yeah sounds like it sounds like they're both kind of i don't know why because they're both sounds like sounds like my mom she well we have cameras at home so we caught her um talking about my wife though so that's what she said well when she well let's say if she's tired one day and she doesn't do food my wife just stay um stay sleeping or something like that she's tell my sister that doesn't have any respect for me just go in my house and do whatever she wants and talk about me and my wife um saying like oh yeah when she's tired she doesn't do food for us that's kind of stuff and i got very mad because my wife is it's not her job my mom was the one not working back then so my mom can easily do the food and everything i mean it's just it's just not a so we talked a couple weeks ago and i told like look i can't i don't want you like you know how the hell we've been through living together and i bet you don't want to do that again and then my wife also doesn't want to live with her but i um she said like if we live it has to be like the same conditions the last time we had to move in a bigger house i'm like no stop moving listen this episode is brought to you by state farm listening to this podcast smart move being financially savvy smart move another smart move having state farm help you create a competitive price when you choose to bundle home and auto bundling just another way to save with a personal price plan like a good neighbor state farm is there prices are based on rating plans that vary by state coverage options are selected by the customer availability amount of discounts and savings and eligibility vary by state listen it's it was supposed to be my sister You were paying off furniture from two places to go and your current place.

36:54Go off. You're not moving. I don't care. It was all my sister's fault. Because she had a house back then. You can't take responsibility for... I can. I can. But it was not supposed to be like... You could have used furniture. You did not need to do what you did, man. You know, it makes my wife happy. It makes me happy to see the house looking nice. Yeah. It feels real nice when we have all these minimum payments and we can't afford to survive and we're paying six... What's your retirement at? nothing you nothing happiness doesn't really exist yeah yeah after watching the show that I kind of figure out that I need to do something and um realize that well what have you done then what do you mean what have you done after watching the show I realized I tried I tried to talk with my wife about like doing a budget or something maybe you guys aren't compatible if you can't even have of conversation she's just very she doesn't face too much stuff and she always walked away like yeah maybe you guys aren't compatible or maybe she can't be the one that's even looking at finances maybe you just have to control it she just has to accept it i was like when we got married i was the one that was controlling everything and then i got this job and then i'm like look i had i don't have time to look if i'm paying for this if i'm paying for that literally a budgeting again not the plug but my goodness it's like it's the easiest thing in the world it's the easiest thing in the world you just connect it to your account and you don't have the budget it's there review it on a monthly basis so you know how to adjust for the next month but it literally just tells you and i mean when you have credit card man it's just nice to spit everything like like and because in brazil we don't we have credit cards but it's different we don't have credit Then you're obviously not a credit card person.

38:43Like, listen, if it's all of a sudden, oh, I got all the credit. Let me, whatever you said, then you can't use credit cards. You're not mature enough to have access to a credit line. You're not. I think I'm today if I'm starting for zero. 16 ,000 made 10. Fuck you. Yeah. That's incorrect. I have no idea about that. And even if you have it, then she'll use it. Even if you're being the responsible one, then she won't be. at least from what I'm hearing in this conversation it was a lot not putting my saying no I was always like yes yes we can do this how the f*** do you have a better beard than me testosterone hmm it's interesting do you use that little do you know that little it's like a roll with some thing that helped me a lot what the f*** are you talking about it's like a little roll that you pass on your face and open your And it worked?

39:40It worked. Or did the testosterone work? No, no, it worked. I have like just a little bit like right here, a little bit right here, and just right here. So I started to use that like for six months and everything just grow. And I only have three years in testosterone, so it's pretty good.

40:00Yeah, you have like, you need some stuff right here. Yeah, I got some patches. Okay. I got some patches. It'll be nice. Karna you owe$289.06 with$79.71 on a monthly basis for Frontier Wayfair and Walmart oh another I didn't know my wife so three times in a row I don't know my wife okay yeah this marriage is going so well to go to the market and she goes to work there all the time she's like well if you're not going with me let's just do a pickup I thought that the pickup was always on debit and I really really started looking everything again since November last year so I didn't have too much idea because I didn't have time like sometimes I go to work at 7 a.m and I'm coming back 1 a.m and I have to be yeah I have to be up again the next day well she can't be lazy if she's taking all this time off to end the day she needs to go to the grocery store she already picks up groceries for other people she can do it herself like why you're already there why you don't do it she's like well you're not here with me and you know blah blah blah and what make a list or adults.

41:04What does it matter if you're there? We tried to do List, but she wanted me to be there as well. Is she incapable of surviving? She just had to be around and when I'm around, I get more stuff. She likes to and that's fine. That's fun. You still got to do the basics. When we don't get what we like. But I don't like to go because I kind of I always say, oh yeah. How are you guys surviving together? Just take the more expensive because it's going to be better or let's take two of those because you don't have to come do a lot of trips and everything. So I tried you know, like sometimes she wanted me to go, sometimes she just took the pickup and not say, and I always ask like, hey, if the pickup has the grocery more expensive, they make more, it's like, no, just if you deliver them and pick it up so it's not that expensive.

41:57Okay, well, I don't know how to fix that. That's not, I'm not talking to her, I'm talking to you. and that's the other thing i wish she was here because she will well why isn't she um she's she's very shy like she's very very shy like she i don't have any pictures with her at almost almost i don't have any pictures with my wife it's a little weird okay this is another clara wait which is what am i looking at okay this is endless you had lighting lane this is another This is a new Walmart one. This is$33. I'm not even going to put that down. For Disney, right? I don't know. It's not that you jump.

42:35You tell me. I think, like, the thing that you don't have to be on the line, and then you just jump because our parents are, like, plus 60, so they will not be too much waiting on the line. I see PayPal, but I can't even see what's, like, owed on it. What's owed on PayPal? I see all the purchases on PayPal. Nintendo, Hulu, Best Buy. Like what's owed? I don't know Or is this a PayPal checking account? I don't know Do you owe money? Buddy, I cannot help you if you can't tell me But the thing is, I just know about this Is PayPal paying for? I don't know what you currently owe When I applied to the show, I had to get my wife phone when she was sleeping to pick everything Like to get all her stuff Why?

43:21Because she wouldn't do it She's here though She is So what the f***? Why? Why is she not willing to change? She is willing to change But I think she expects me to do it That's impossible If you don't even know what her spending is You can't fix that That doesn't make sense We had three accounts in a row Where it's like Yeah, that's secret, my wife What? She's not like doing behind my back I just thought that she was doing it on the debit card Like she tell me like But even still that is behind your back I don't think so that's behind my back but she's still saying i'm buying this and that but i just thought it was a big debit okay but um and that's one one of the things that i'm very like you say we're not compatible but we are very compatible like we are but what is this uh wife mom yeah she sent money for her parents in Brazil.

44:20A special bonus document? That's a... What is this? She sent money to her parents in Brazil. But this is... What? That doesn't make any sense. You guys are... You don't have money. Yeah, but they need help sometimes. No, no, no, no. And I saw... I saw that. They need help sometimes. I get that, but you help. Oh my gosh. I don't know what to do because... Yeah, but stop! I don't even hear things! You need to hear this. Stop! You need to hear this. Oh my f***ing. You need to hear this. Fine, tell me! This f***ing critical information. So, her parents... She's trying to f***ing think for a second, but okay.

45:02Her parents live with her older brother. He's 34. He do very good money, but he doesn't help at all at house. Okay, then your mom... Then your f***ing wife needs to stop. That's what I told her. Okay, well, again, what the f*** am I doing here? Because I'm talking to you. Yeah. What do you want me to do? I want you to, you know, I don't want you to agree with me saying that she needs another job or something like that. She needs to stop spending this. Sending it. Like it's hundreds a month. And I didn't know. You didn't know about this either. No, that's a different app that you have to spend.

45:38What, she was hiding this? She was never hiding. She was like, oh, I'm going to say. Did she tell you? Yes, but not. The dollar amount. No. Then it's hiding. I just thought it would be$100 per month. No. When I got her phone secretly and I had to go through all of that because I went to her conversation with her mom just to see the screenshot that she sent. Like, hey, mom, I sent this, I sent that. And then I find out what kind of app that she was using. What do you want me to do? You guys always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this.

46:14This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple of weeks back, I stumbled upon the social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games.

46:45just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now. And you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom and let's grow our money together. Seriously, right now you can actually see what my portfolio looks like today. She, I need your help to go through all of this. I need your help to make a budget and to pay all of that and put my, and of course, when I do that, I will feel my life will get more together.

47:26You know, that's what I need. I really need her to understand that we are not in a good position right now, like we were in the past. and I think the only the only thing is right now is she's kind of see that we are not going going too well but she expect too much on my back I feel I have a lot of pressure on my back is this a vent sesh like okay cool talk to her dude like I don't know we try then you guys are incompatible leave no then what do you like what is after here maybe you know this is the budget we had to do so we had to work like this or maybe if you get another job or if you work on your resume and i get another job but i told her i cannot get another job because even if i get paid late i still get that amount of money but we just had to work around that but she does like um maybe last year 30 000 and then that's the only thing that i know and then i put it like i do the math yes the math adds up that's what you guys made last month i I don't know, dude.

48:32Delta Sky Miles Gold Card. I mean, this is an insane balance. This is the thick balance so far. $3 ,898.02. Yeah, that's mine. Yeah. There's. Okay. So maybe it's not all your wife, you little tit. But it's us together. It's not her. Well, do you just. It's her to be not changing jobs and understanding my side and maybe help me. But it's not, you know, her fault. I cannot spend$3 ,000 by myself, I think. It's both of us. You, bullsh**. Huh. You don't think you can spend$3 ,000? By myself? With what? Like, there's a lot of fees there, maybe. You can go get a nice TV. Like, this is... You can spend$3 ,000 like this if you want to.

49:15What the f**k are you talking about? Yeah, now you're saying TV. It makes sense, because I do get a... I got a big TV. Well, there you... Yeah, like... Like I said, I... Once... I never, ever, ever have a... Hey! How long does this take to pay off? Minimum monthly payments only without purchasing on it. Which, by the way, you're at your basically credit limit, so I know you're incapable of. Three, four years? Three, four years. Yeah, 14. Yeah, 14 years. Yeah, 14 years and no more retirement, no compound growth, no anything. Yeah, three years. No, 14. 14. You are a fast mover. Please have a seat right there.

49:55That's a lot. Yeah, it's a lot. You're going to be in your mid-40s. Yeah, I'd say it's a lot. There's a lot of feeders as well because when we were putting the cash together to bring her parents here, we had to stop paying that. I stopped paying the credit cards. Well, then obviously you couldn't afford to do that, dude. It is as simple as that. I'm sorry. Listen, I understand why you did it. It is something I would have tried to make work. You couldn't. That is that. If you couldn't pay your bills, you can't do that. Oh, my God. But you. But yeah, but I mean, oh, my gosh, dude. We were like, we had to work more.

50:35We had to do this. I'm starting to get annoyed. And then my boss started to give me day offs because he was he were like kind of knowing that he would not be able to pay me the full day and everything. So that really, really. You need a new job. Yes. OK. Congratulations. We've learned this. Hundred three dollars and seventy four cents of interest accrued in one month alone. You're going to lose twelve hundred bucks on that in one year. It's at 30 % interest. Like$1 ,200? Yeah. And fees? Not, well, interest. Interest, specifically. That is a fee, right? The way you think about fees, yes. The way you've used the word fee, sure.

51:18But a literal fee, no. But... And then on top of that, do you have more fee? If you don't pay on time. so if you bring them again and you decide not to pay then yes no i'm not doing that okay one thousand one hundred one thousand thirteen dollars on this and seven cents blue cash everyday card what's up with this card uh well that one is um i had to pay like tires and uh because you didn't have an emergency fund because we haven't been responsible once with our money because also by the way you You purchased$30 on here this last month. I mean, you're still purchasing. You're purchasing plus interest accruing.

51:59Your balance went up. Your balance went up. Oh, we're over the credit limit. Yeah. Yeah, it's all her fault, right? No. All her fault, yeah? All her fault above the credit limit. Yeah. That's fine. Yeah, yeah. This is what happens when someone brings someone on the show and they're not able to. Like, you guys didn't come on together. You came on. It's just like, oh, I'm the good one. I'm the good one. It's all her. It's all her. It's all her. No, fuck you. Look at this. You're above a credit limit. But it's us together. I don't. What do you mean? Well, let's find out. It's us together. So what?

52:30This cash app? Cash app? That's what it says. It was cash app. $30.90. Probably to pay something. I don't remember. Probably to pay something. I would think so. Like pay. Does it say how much your cash app is? $30.90. I was about to say if it's a tip for someone, but that's too much for a tip maybe. be so uh depends on what it is or how it might be tip because the only thing that we use vim or cash app is for tips then i and you do it on a credit card i remember someone was um needed gas on the gas station and they asked me for so you go above the credit limit they asked you so you did it it wasn't you both it was you you did this you it is you too yeah it's both i'm not saying it both sure but you've only put everything so far on her this one this one being over the credit limit is you i just know this one on this credit limit is you you this one this one thirty two dollars yeah what's mean yes the above credit limit credit card is you okay but oh my oh my Oh my goodness.

53:44Oh my f***. What do you want? I'm gonna f***ing punch the beard right off your face. What are you talking about? I do understand that 32 cash app whatever, okay, was over the limit. But we had to use it because I didn't have money to fix my car to go back to work. F*** you. You didn't have to send money to someone for their own gas. I felt bad. Yeah, but you didn't have to. But I felt bad. Good to f***. Congratulations. You were like, they're all siding. Yes, a little empathy. I love it. We all love it. It puts you above a credit card limit. You will never have a chance to retire. You will never have a chance to be successful in this country.

54:16You will never have that chance. If you keep putting that over. Listen, help everyone. Help everyone. But the best way to. Hey, no, don't open your mouth. I don't want to hear it. The best way to help others is for you to be in a financially sound place because then you're able to help others forever. Instead of barely being able to help people now. I get it. And do you. I do get it. Of course, it makes sense. Why the f*** don't you do that? Because I think because the way I was raised, we didn't have money. I was sleeping on the floor and whatever, blah, blah, blah. All of that in Brazil, we don't have money for anything.

54:54So when I see a family that needs gas to go home. Yes, there's your heart. Congratulations. I'm not against the heart. I'm against the dumb assery. But even I can't say no. Even if I put it on a credit card and just see that's my kid. How about that? How about that butt? That's a good butt. But f*** you. water rebuttal you just can't afford it you're above a credit card limit on there i love the empathy we give we give we give we give we give but the best way to do that is by being in a financially sound place so you're able to give forever instead of just putting yourself over the credit limit now you can't anymore you prepare yourself you live a bit dude you're ruining it You're ruining it You're ruining it You want to get rid of the tits?

55:41Good luck I don't know how you could afford that You're over the fucking credit limit I'm just You're just f***ing it $35 ,000 is how we started this conversation Wanting$35 ,000 $35 ,000? What? For the eggs And for the boobahs Eggs? Oh, oh, okay Yeah, yeah That's what I need I want to say eggs I didn't like over Or something like that Yep, yep that's what I really might go in the next two years maybe. Yeah, well you're not meeting. You're not even close. You'll never get there. You'll never get there. You'll never get there. That's why I'm here. That's why I can get there. That's why I'm there?

56:16Oh, that's why I'm here. Yeah, there's a catchphrase.

56:22$883.32 with a$23 minimum monthly payment on this. Another blue cash? We have two blue cashes. One is mine, one is hers. So, congratulations, you're the one over the credit limit. She's not.

56:40Your minimum fee payment, oh, f***, is$141.68. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list. Even those who are hard to shop for. Toys and jewelry to new beauty brands and styles. These gifts go seamlessly from our stores to under your tree. Seriously, with these savings, why shop anywhere else? Burlington Deals Brands Wow. Didn't write it down. And she didn't purchase. She didn't?

57:22She didn't purchase. Because you did. Or you did. You did. You. Well there's not a way to see if it's mine or hers Maybe that one is mine and that one The other one is hers and I'm just confused You don't know who the f*** has what balances? No Oh good yeah the one who's going to be financially responsibly Running the house I was 2021 to 2022 Yeah maybe bring that back That was very good To be honest Did you lose them or have you become Like what's happened? It's just because I think what I put in my head I'm like, oh, I'm doing so much money right now. I can do this. I can do that. I can pay for this.

58:02I can pay for that. And all those credit cards was coming on the mail. I'm like, oh, yeah, my credit is good. And let's do this and that. And soon when she got her papers, she applied for credit cards. And then, you know, everything just went for there. Our vacations. Like, oh, yeah, we're going to do a vacation. Let's do a new credit card and put everything there. Like 2023, we went to Orlando. And that's where I had to do it. So it's a different trip? Yeah. Yeah. We went to Orlando. Disney? Orlando. Universal. Yeah. How much did that cost, that trip? I have no idea. I just put everything on a credit card.

58:37I was supposed to be less, but when I got home and I saw the credit card, I was like, oh, because we had to rent cars and then hotels and the tickets and then this. I don't know how you guys have made it this far. I'm well done making it this far. Interest is accruing on this like crazy, of course, and blah, blah, blah. it's all f***ed. I gotta continue there's so much paperwork here what? I heard you open your mouth what? No, I was just saying that a lot of credit cards there, it's my little treat that I like to eat chocolate. I'm a big chocolate eater, yeah We have 60 ,000 hours of chocolate but at least at least, I don't know the math on top of my head, but I am person that I need at least six or seven ten bars of hershes per day.

59:30what yeah i will wake up three in the morning go to the gashon and buy three bars of hershey's is this my strange addiction what show am I on right now the f*** are you talking about why Hershey's out of all chocolate it's like the worst it's not it's the best one it is objectively the worst we had like a blind chocolate taste test in our membership yeah it was the worst and that one people pick up that one the worst yeah cause it's the worst what was the best one I remember but not Hershey's There were three that were better than Hershey's. Hershey's is not good. I like them. Hershey's are not good.

1:00:13Yep. The king size, they're better. And I have a little thing. Because it's more, sure. You know, one thing that I explained to my wife, and she thinks I'm crazy because it, Hershey's is only bad if they are about to expire the next seven months. What the fuck are you talking about? It is crazy. What the fuck? So look when that expired. I'm assuming they got this for you, but you probably don't need it. I obviously don't need it either. If you look at the expired date, it will not melt on your mouth if it's about 6%. It will not melt because it's probably barely even chocolate. I'm being for real.

1:00:48You have to buy the Hershey's that is about to expire in one year. Dude, this is shitty chocolate. Because you probably look at me. I eat everything. Look, look where it expired. If it's not saying like 2026, it's bad. I hopped to gas station to gas station To find the new ones Dude you're weird I mean it has It's a lot of ingredients For just chocolate I never see that so I Like this is not that good As far as chocolate goes Now since it's the only thing in front of me But again when is gun inspired When Just see it all the time I'm walking Probably had to I'm looking You don't shut up You're not looking right Okay, where would I find it?

1:01:38Hershey's expert Yeah, yeah, right there Yep, open and trying to see if that guy's kind of blackish He does know where it is Okay 2026 2226 Oh, that's a good one And it still tastes like No, it doesn't, I bet that doesn't Open your mouth Almost. It touched your tongue. Thank you.

1:02:07Capital One. This is a good one. It's melting in my mouth. It's chocolate. Chocolate melts in my mouth. I think it would be bad if it doesn't. If you buy Tic Tac. Tic Tac? Tic Tac's not chocolate. It kind of is. It's not good though. It's not kind of chocolate. It doesn't melt. It's not chocolate. And yes, it does. No, it doesn't. Wait, what the f*** are we comparing Hershey's to Tic Tac's? Kit Kat. Kit Kat, yeah. Well, there's f***ing bread in it. Nah, that's not as bad, but Reese's is my second one, so. But I also have to buy Always. It's going to expire the next year. Yeah, Reese's is good.

1:02:48I love Reese's. Yes, I called Wafers Bread. Okay. Capital One.

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1:04:42Your future starts right now, and Course Careers is here to help you shape it. $804.41 with a$30 minimum monthly payment. What's going on with this? What is the balance on that one? Oh my f***. I just said it. $804.41. That's probably hers. Okay, so what's going on? Do you not know then because it's hers? I mean, I don't really. I always thought that she was paying her credit card at least the minimum payment. She is. She lives on Amazon. She loves Amazon. When I was living with my mom, I was seeing everyday packages stuck and stuck and building, building everything. I'm sorry. Building, building.

1:05:28In front of my house, I'm like, hey, why do you need this? Why do you need that? Why are you buying this? Why are you buying that? For an example, she loves sweaters. To go to Georgia, she likes it. Especially when it's kind of chilly and everything, but it does get chilly in Georgia. Can I ask a question? Yeah. Is she fat? No. Okay. Us fat people like sweaters. It makes us look better. But she's shy. But it's too hot here. You think it's hot in here right now? I'm cold. No, Austin. Oh, okay. It was cold last night. Just in general. But, so she does a lot of like small purchases on very cheap stuff that can break and then she would still buy it.

1:06:06Like sweaters. She likes to buy it like the cheaper ones to go to work. but she was buying every other week because when you go and wash them they kind of like go small because they are very bad and i'm like look instead of you paying like 15 17 dollars for three or four every two or three weeks just go and buy like a a new like a good one a good brand and then i will not shrink when you're this is not my biggest concern i mean we'll see there were no purchases in there. Your Capital One. Right? Platinum? Yep. Might be. Well, she learned how to send a statement and you learned how to send a screenshot.

1:06:47Oh, no. It's hers. Okay. So, my statement, it's mine and hers is screenshot. What's the minimum of the payment? 88 bucks. Okay. And that's what I screenshotted because I didn't know too much how to... 578 dollars and 28 cents owed. Everything there was... This is f***ing thick. What? This is f***ing Apple. Oh, yeah. That's the worst. They are the worst one. They have the worst interest. Well, maybe don't f***ing do it. You did it, dude. Listen, you're not a credit card person. I mean, I just thought it was nice. So the Apple, my side, Apple was, and this was when my dad passed away. So I had to run to Brazil.

1:07:27You put it on an Apple card? I didn't have money savings. Okay,$53 minimum fee payment. Listen When? When? It takes 20 years to pay off Oh shit That was 2020 when my dad passed away And after our Balance has been that high For 4 years It's more fee Yeah interest but it's still If you're making your minimum payment it still goes down But I stopped doing that You stopped making your payment? Because I needed to take money for a vacation That's not how this works Dick that's not how this works That's the only thing I have That's the only thing I told my wife Look this year is going to be this After we bring your dad Your mom So we stopped sending money to him But it's always like I just went through a statement Remember A couple statements ago The secret little statement that Jake brought out Remember that no money has not been stopped being sent i thought it was because you guys are great she also paid my hormone credit card and i what the not even paying your own barely i think people in brazil think because we live here and then they think we have a lot of money but that is not americans do have a lot of money but we have a lot of spending but that spending part is a choice cost of living is higher that's less of a choice but still but we do have more margin here we still do have more margin here listen you can break down most of the top countries you break down germany you break down canada you break down the united kingdom you break down france you break down the united states they have a lot of things right they have a lot of things that a little higher taxes but they don't have to take care of health care or health insurance they don't have to take care of all this stuff so you think okay maybe americans have a lot of money but it has to go towards all So if you break it down on a mathematical median percentage wise, we still have more money left over after all expenses, even after all taxes, after all expenses than everyone.

1:09:32Well, there's obviously some smaller countries that have crazy incomes, but we have more money left over than our competitor countries. So we are known for having more money and they are correct in that. We have more money net left over. But you chose to go to Universal and spend, you don't even know how much money. You've chosen to f*** around. You guys chose to stack Amazon boxes to the rooftop. That was your choice. Are they entitled to your money? No. But you chose to blow all the money. I did feel good at time. No f***ing s***. I did feel good. Just like your f***ing 3am candy bar. Like, yes, no s***.

1:10:17Why don't you just buy a bulk instead of going at 3am? That's so weird. Because then I eat more. Oh my gosh. So you have no self-control. About chocolate? No, I don't. I really don't like it. Of the chocolate? It's not shitty. It is. I mean, if I do Brazilian chocolate, it's way more bad. Like, do it at home. But... But, buddy, we have endless chocolate here. You can get European chocolate here and it's great. It might be more expensive, too. Yeah, it might be, but at least it's not shit. You're going to still spend knowing you I love it They want me to give you another piece but you don't deserve it I do You've not been good I've been a good boy Yeah I've been too Let's not say that Let's not say that Okay Truist What's up with this one Is that a credit card or It's a credit card Because we have our bank so our bank is Truist as well So I don't know Okay.

1:11:15So that is mine. Okay, well, you're only$145. I don't know why the f*** we're not paying that off with your strong income. It must pay off. You only make your minimum repayment. $20 minimum repayment. It might be the auto. Interest charge$3.73. So what is up with this? Why is it not just paid off? I put auto paid just to pay minimum. Sure, but why not just pay it off? You make the money. I've seen that much in spending so far. Minimum. And I know we have yet to get to the spending. goes home. Because I always think if I do pay it off everything, I will need the extra money to pay one of our actually bills, like the bills that we have to have to live.

1:11:53What the f*** is your rent? Um, 17. Okay, so you have plenty left over. So f*** you, what bills? I'm just afraid not to get paid, or she's not doing that much, because if it rains, it doesn't work. Yes, you need your stuff money to sign, because if you're going to stay there, you need to have a chunky emergency fund. You've been there for four years, baby. You've been there, don't. My gosh. We never talk about that. That's bad. 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.

1:12:29Like tea time you. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. And the bad things of being a family of Brazilian that they do kids to take care of them. And right now, we're kind of... It's fucking stupid. It is. We realized that because my mom... So I don't give a fuck. Congratulations, you're here. Yeah. You don't have to. We don't have to now. Huh? Not right now, but before we... Like, because when my dad passed away, I was 100 % helping my mom in Brazil.

1:13:18Yeah. 100%. Because she, my dad passed. And I would do the same thing. It's the entitlement to it that I don't like. She's just working right now after 20 years because my dad was the type of guy that, oh, yeah, woman doesn't work and all of that. I'm the man and blah, blah, blah. But my dad was not a great guy with money as well. very very bad decisions that made us going to sleeping on the floor and my mom making me go bed hungry when i um bed early i get it i get it i actually why you haven't paid 143 dollars i don't know when we ended up sleeping on the floor for the fourth time like i get it that's sad i do empathize with that why the haven't you why not prevent having to sleep on the floor again how about we do that okay so when i thought and this is kind of dumb Right now it's dumb After you know Being here Or watching your show I thought when you Make the minimum payment There's no fee on that Or interest in fee I thought if you What?

1:14:13Because in Brazil It's like that And I know this is not Brazil You've been here For a long time Yeah but I always pay my stuff off But I'm like okay Let me just put it on Before marriage Before You've been married For five years Yeah I've been here For ten Nine So this excuse Holds no fucking weight and I only had a credit card first time because my sister told me it was a good idea to credit one. I mean you just blow past what I say. IRS yeah here it is. Yeah we saw this coming. That's that and I'm at $13 ,290.68 Last week we just saw that if we own X amount of IRS my wife can not be a citizen.

1:14:57Maybe. Well yeah. Honestly fair. Yeah of course. Pay your fucking taxes. I'm paying monthly. I'm paying them. You're paying your past taxes. Yeah. You're not even going to. You're negative. You have no money. You spend more than you make. There's no way you're paying for your 2024 taxes. Good luck. Yeah, I'm scared. So, no, you're not paying for your taxes. Yeah, I'm scared about that, too, because, again, we didn't put any money on side. Yeah, and you still don't. I didn't. It's not. We didn't. You don't. You do not. It isn't past tense. It is present. It's hard Okay it's hard It's very hard Yeah it's hard when you Spend 14 ,000 hours When you make time Listen It's 8 ,345 from 2022 And then 4 ,954 from 2023 Okay Accrue failure to pay penalty Are you fucking kidding me What's your monthly damn payment?

1:15:56Um Only 140, 150 Yeah let's allow that interest to accrue Even more I'm going to mark it as$150 Stupid dude Why allow the interest to accrue even more? I didn't know it was I thought it was a one plan Thing I thought it was a one plan thing If I own$5 ,000 You can pay more I know but I thought I didn't know there was fees if I just paid the minimum Buddy You've been here for so long All you have to do is look at one statement ever Do one Google search ever Well, no shit. I never did that. No fucking shit. That's what I'm saying, dude. You're copying what I'm saying. Okay, Kia Forte. Yeah, that's a bad decision.

1:16:43Yeah, has there been one good decision in here so far? I don't think so. But that was the worst one. Less than paying our taxes? Preventing us from potentially being able to stay in this country? No, I think that would be the worst. Well that car I only had to buy them to work Cause I had a Corolla was paid off and everything But I got in an accident that Do you have an LLC? Do you have a business? You don't even have a business? I try to talk with my boss like hey do you think it's a good idea? He say no Your boss is like borderline actually stupid He doesn't pay you on time You trust the guy that doesn't pay you on time I trusted him until last year Oh my f*** dude I'm stupid Yes I know But And he promised me Because if you bought this Business expense And it's actually accurate As a business expense There's things you'd work with With your CPA Dramatically And she doesn't do anything You need a new CPA Do you have no agency Are you incapable of doing anything Like you just say No one's willing to help You're not willing to have a conversation Nothing Everything is out of your control Apparently When James Bad happened to me, I do s*** about it.

1:17:57I will never understand this lack of f***ing effort. I just thought it was normal and that's the only thing that we had to do because I trusted her and she looked more professional than me. Why do you just trust people? If you not have that education, you just have to trust. None of us have that education. It is a very small minority that have financial education. None of us. I didn't, they didn't, your wife didn't. No one that I work with, as far as I know, had any financial education. We learned it because we put in the effort. So I tried, like last year, I tried to ask CBG about like, hey, do you think it's a good idea to do an LLC with my condition?

1:18:41And I work with this and I put all my stuff over there. And even that, that was kind of the same thing being a 1099. So I'm like, why am I going to do LLC if I'm not going to be with this guy? Well, it helps with organization. It is the pass-through. And LLC is a pass-through. I have no idea what is that. Okay. I have no idea. That's the least of my concerns right now. I'm just like, listen, you owe$479 on this. What's the car worth? A six. $6 ,000, I think. because that car today in Atlanta is one of the most people robbed there. So after a couple months when I bought it, I got this letter from Progressive saying, like, hey, we're going to raise your interest.

1:19:29It's worth about$10 ,000. It's worth what you owe as far as we can tell. Well, I bought it from Carvana, and when I do, like, my little – That's a bad decision. Yeah. When I do like put in all my information Put the miles and everything They say like it worth$6 ,000 That's what they want it for So they can sell it for hire Carvana We put in your VIN And the information We got$10 ,000 Well it's someone We got in an accident $400 Yeah Two accidents in one week But did you tell us that information So we put it in? The accident We put in the information you gave us And we have$10 ,699 Private sale I didn't know about that I don't know about anything because you won't look I look on Carvana, the place that I bought and they say that Carvana is a f***ing machine that buys your car for way under value so it can sell it for over value honestly but is that like all dealers do?

1:20:28used cars, yeah, but Carvana that's an entire business model well knowing that what's it as well as Fargo? it's another car What's this car? What is it? What type? Yes, what is this car? CHR Toyota. Year? 2021. You guys got cars that you probably could not afford. This was the 9 % interest rate. What was the interest rate on the last one? 20-something, I think. No? No? No? No. Yes, maybe. I don't know. I'm just saying, fucking kill me. On the Kia, 20-something percent interest? Yeah, yeah. What are we doing? I didn't have it. Oh, man. Then you don't get it! But then how am I going to work? How am I going to work?

1:21:10I need that car. And when I tried to... What did you buy it for? What? Price? 20... Yeah, you didn't need a$20 ,000 car. Something. You didn't need a$20 ,000 car. It was 2022. Don't butt. Don't butt. But it was so expensive and everything. It was really hard, but you put in the extra effort, man. Because I assume... Listen, when everyone complains about it was the car market. Yes, that is accurate. But also then I just f***ing asked them And then they tell me they go to one dealership And I'm just like okay Well then yeah you f***ing deserve it Listen on this stupid ass f***ing c*** 9 % car $13 ,663.14 is owed With a minimum monthly payment of$539.53 She has a higher minimum of the payment in balance than you Even though she makes less money At least we never are late on that Okay, congratulations Bare minimum effort At least Does Apple Card Does she have an additional Apple Card?

1:22:12She does Why is he in collections? Because she doesn't pay for many, many years That was the card that we had to put That we had to put Our down payment for the house And when we moved Listen, estimated When we moved from that big house and we got back to a smaller apartment. We also put everything over there. And then when we moved to this apartment in January 2024 I don't care. We had to move again because three pipes got busted. What are you saying, dude? Just what the f*** are you saying? A lot of moving was on that card because stuff happened. Congratulations! Don't be a f***ing dumbass we all move.

1:22:54I've moved once a year my entire life except for once where I stayed somewhere for two years. I like not to move, but since 2021, we have to. You can do it right. And you make money. It's inconsistent, but you make it. You just budget correctly around that. Oh, is this so much Amazon? Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Oh, my gosh. And they're all so fucking, they're not cheap. They're not cheap. Amazon, Amazon, pull it up to fucking Amazon. Do you guys share an account? Yeah. Pull it up, pull it up, pull it up, pull it up.

1:23:28Can I pick an iPhone? Yes, please! It's gonna be her fault. I don't care!

1:23:46I really need to go to a restaurant. Can I go? Go pee. I'll look at your Amazon. Go fucking pee. I have a little tinkle. Socks Long sleeve workout High waisted workout More socks Hair care Cat treats More cat food Cat toys Cat lounge thing Cat toys Cat litter Okay, it all goes to cats Okay More clothes More clothes More pet things And cat stuff And cat stuff And cat stuff And face stuff And cat stuff And cat stuff And cat stuff My gosh This is crazy Shampoo Meal prep bowls Cat stuff Cat stuff Cat stuff Cat stuff They really are gays Okay My gosh

1:24:46Probiotics Bloating Someone was bloating

1:24:52Gloves and jackets And yeah I mean It's just but so much cash stuff I don't think it's 100 % needed. Obviously we want. Yeah, I'll save it. Oh my gosh. Ladies and gentlemen, I just looked down. The checking account started with a negative balance and it ended with a negative balance with$9 ,000 going in and out. What the f*** are we doing here?

1:25:25Push it out! Oh, Sherry. I'm not sharing chocolate with a non-hand washer. Why didn't you fucking wash your hands? I did. Sit down. I don't trust that. Why the fuck are we starting with negative in our checking account and ending with negative in our checking account? Get right up on that, Mike, because you're quiet, remember? Yeah. Am I negative in my comment right now? Oh, my fuck. I mean, I know sometimes we might be because I didn't get it. But you ended and started negative. When I... Oh my f***. You started negative$44.64 and ended negative$33.28. You have fees. Let me guess. That's an overdraft.

1:26:07Has to be. Has to be. But guess what? We went to a steakhouse. Thank goodness we went to a f***ing steakhouse. We had to go to a steakhouse. We really had to go to a steakhouse. We wouldn't be able to survive if we didn't go to a f***ing steakhouse. Well, if you see the... Zelling out a thousand dollars. If you see... We didn't get some bulls***. Well, that's lottery lottery it's not my lottery probably mine. Yeah, it's probably my but that wasn't mine It's probably mine because we both gambling We're gambling to try to fucking pay for the tip removal Brazilian bakery well that checks But zel is for my art own account together that's What the f*** do?

1:26:48Because you're negative in your f***ing checking account. But that's when I get my check from Chase. You went in and got some bulls***. Starbucks. Brazilian bakery. Went in and got some bulls***. Starbucks. I need to eat. Oh my f***. We need another f***ing... Why should I say that's not too horrible? Something that f***ing... I can't do it. I can't do it. I can't do it. I can't do it. I can't do it. I can't do it. You see, that's why I get chocolate. when I'm nervous, like you. You're nervous because you're a dumbass with your money. I'm nervous when I... Lottery! Lottery! Victoria's Secret! That's for my wife.

1:27:28It's probably for her. Yeah, of course, I don't use it. I get her stuff. Presents. When she needs a new pen, you're like, real life. I want to see her looking nice. The intent is to take them off. And Doug, Here we have the Lemu Emu in its natural habitat, helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally, Doug. Uh, Lemu? Is that guy with the binoculars watching us? Cut the camera! They see us! Only pay for what you need at LibertyMutual.com. Liberty, Liberty, Liberty, Liberty. Savings vary. Unwritten by Liberty Mutual Insurance Company and affiliates.

1:28:12Excludes Massachusetts. Anyway, so why does it even f***ing matter? went in and got some bull Brazilian bakery, Brazilian bakery, Zellin' out money, ATM with raw 162, who knows what the f*** that's for, there's the fee went and got some BS Paradise, Zellin' out Zellin' out, Pan Express, Apple Bill yeah I eat a lot on the road I do meal prep once, I'm working only at the office because they have microwave but most of the time I'm two hours away from my house. All these cheeky little producers. We got you something that you f***ing really love to fulfill your addiction and it ain't the chocolate.

1:28:52In this case, we got you a special little scratch off. Why don't you scratch it? Let's see what you win. Let's see what you win. Oh, there's a little coin. Scratch that. Scratch that. Maybe you can pay for the big old surgery. Let's see.

1:29:16You are so fucked Yes, okay It's true It's true Kind of nice Okay, I don't think there's anything else under there Starbucks zelling it out Getting some bull Zell, panda Zell, getting some BS Cloud9 smoke That's probably when my mom was smoking Yeah she stopped On your card Buddy this is a month ago She probably Yeah she stopped like a month ago Cause she had to How the fuck does your mom have your debit card I was with her And she probably didn't have money Then she zelled You didn't have money But she paid me Yeah she paid me back But my mom She stopped smoking after Cap cut Don't wanna get into BS Zell it on money Don't wanna get into BS Brazilian bakery Yeah, it's pretty good.

1:30:14Oh, our other checking account, it only has a dollar in it. That's my wife. Sorry, a dollar and 21 cents, so we better gamble. I don't know why my wife. I mean, she opened that one because she had a choice. My wife, my wife, my wife. Oh, my wife, my wife, my wife. It's just for her work. My wife. She doesn't use that one. My wife. I think she doesn't use that one. This transfers back and forth. It's not even bullshitting on here. Okay, where we got? Okay, this checking account actually has money. Well, it started with$93, but it ended with$1 ,000. I'm sure that's not normal. Went in and got some BS.

1:30:45What are you going to the store and get? Who's going into the store and getting things? Is this the fucking Hershey's? We're going and getting Hershey's. It actually, me. Going and getting some Hershey's. Going and getting some Hershey's. Brazilian something. Going and getting some Hershey's. Oh, there's so many purchases on here. Yeah, I use that card for everything. Look, guys, I have to read these. Yeah, that's our main account. Restaurant! Amazon! Fashion! I'm working and I need to stop it. Netflix! Oh, there's a whole other f***ing page! I hate this! Apple! Store! Purchase! I don't f***ing even know!

1:31:23Hulu! Rose Brazilian! McDonald's! Little Burn! Going in, getting some f***ing Hershey's! Pope! Winnie got some Hershey's! Winnie got some Hershey's! Shake Shack! Hershey's! Yeah, most of the time, I'm not. Hershey's. I just get Hershey's. Yeah. Amazon. Pear bread. Brazilian bake. Lottery. Shopify. Lash tech. Who's getting their lashes done every five seconds? Amazon. Paramount. It's not Lash. It's just like the cheap ones that she probably she goes and buy around Amazon because she used to do her. Oh, Panda Express. Yeah. But chocolate. Brazilian Bake Amazon Chocolate Chocolate Chocolate Chocolate I'm trying D-Curve McDonald's Amazon Overdraft There it is Chocolate Chocolate Amazon Panda Express Chocolate Rocket money You don't even have to pay for that You get this Yeah I stopped paying that Overdraft Dude, this is stupid You're playing good on your fucking wife No, it's not her I don't want to hear your voice anymore I've concluded It's not her $5 ,000 is going to the lottery twice We go to the lottery in every fucking account Except for the one that she has, by the way Oh, you're going to talk?

1:32:56Yeah, what are you talking about? What are you going to say? The lottery is both of us But I know she likes to grumble a little bit That's right, you both like to just destroy everything If we win You're not a credit card person! If you're gonna use a credit card, use a f***ing fizz card, because it's at least a debit card that builds credit. You can't have access to credit lines. This is so dumb. You're 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15! 15 individual debts! Damn. Yeah, that's... Good f***. Let's see if there's even a chance here. $10 ,788.05 is what came in. Let's see your debt.

1:33:31I don't want to be paying this f***ing my life. Just to be clear What? It's not I don't want people to think That I'm blaming only my wife Who said what you f***ing want to say? I just want Maybe If she change That will be a little bit better You f*** Like getting maybe a paycheck That will only like 15 days Or make it a little bit better Do that minimum repayments You're damn F***ing in minimum payments, my guy Oh my god, my dude $1 ,853.92 Why did you write to one more time,$1 ,700? $1 ,700 What about utilities on a monthly basis? Energy,$100 And water comes like$40 That's it? Okay, internet It's already included $140, okay, very good Gas, both of you Maybe$600 per month Car insurance is both of you Right now is$450 Phone bill $270 $66 my mom So she paid me Well that's calculating your F***ing income because we calculated everything that came in So TP fund Anything else to survive$200 Groceries $600 Use the cookbook that comes to the budget Anything medical Medical on a monthly basis No, we have insurance for our cats Gym?

1:35:04$20 How much for the cats? $60, both $60 each? No,$60 for both Cat food? $120 per month Anything else that needs to be in your budget that I have not put in your budget? That is necessary for survival Our car payments I put all your debt in there insurance car rental i'm trying to remember here but i think that would be it and i know like per month i might need like five thousand dollars to survive maybe uh no buddy roundup it is literally by a couple dollars basically six thousand but five thousand nine hundred ninety three dollars and ninety two cents but you still have left for money there's no reason to be in this debt and that's why i'm gonna just nearly borderline just end this let's just call it four thousand get $500 of fun.

1:35:56Sure, sure. $500 to send to people or$500 for fun. It is up to you, but that's what I'll allow. You have$3 ,500 extra. Choose what to do with that$500. Okay, great. You have$60 ,000 of debt? Cool. $30 ,500? Good. It's done in 17 months. Dude, this is fucking nothing. There's no reason to be in this debt. It is listed a year and a half and you're out of the debt, and I gave you$500 of fun money, which everyone, everyone who's been on this show wishes they had. Matt! Matt! Matt, you'll have a fully funded emergency fund and be completely debt free within two years. I'm done. I'm done. We're going to the post show.

1:36:34We're going to the post show. You can join our membership link in the description below. Hammer elite has more content than any other YouTube membership. And it's also one of the largest memberships on this entire platform. And that is for a reason confirmed by our internal sources. So make sure you join that best value for your dollar hammer financial score. Spending in a budget you overspend 0 out of 10 debt you have collections and iron instead 0 out of 10 Emergency file nothing to savings 0 out of 10 retirement nothing in there no no real estate 0 Even though there's no reason because you have so much money left over on a monthly basis This is the stupidest 0 out of 10 in the world, but you have a fucking amber financial score 0 out of 10 For absolutely no reason whatsoever probably because you ruined your fucking brain with chocolate chocolate chocolate chocolate chocolate chocolate Chocolate!

1:37:22We're going to the post show! Chocolate! Shit! We're going! Download the budgeting app! Download the budgeting app, see you in the post show. I'm gonna let you know. He blamed you for all of it. It's not like that. You think I am the problem, and I'm not the problem. You don't help me too much. You start the conversation blaming me. I am the one who pays for everything. What do you think of your wife all of a sudden being like, I'm a husband now? That's not good. To watch the Financial Audit post show, click the join button below.