If Her Husband Sees This, It's Over. | Financial Audit

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. I do have a secret spreadsheet. Why do you hide things from him? I just don't want him to be disappointed. But this is worse. You're hiding. My husband told me if I pay everything off, I can get another. That's a good motivation. But guess what? We're going through$173 ,000 in debt. So good luck. You. I didn't realize we're having a dick measuring contest. We are. And I'm slapping a massive one on the table. Download my new simpler budget app today and take control of your money once and for all. Hi, I'm Victoria. I'm 34 years old.

0:33I live in Houston, Texas, and this is Financial Audit. Thanks for coming over from Houston. What do you do there for a living? So I am a clinical supervisor for a behavioral health department. How much does that make? I am salaried at 51.5. Okay, I wouldn't have known. How's 51.5 stretching in Houston? Because I am a two-home household, it's fine. I would never be able to live here. it's a dual household income yeah it's me and my husband where's the husband uh working making money why are we not looking at both y 'all's finances um because he has his life in order and i don't wait are you guys not combined we have a um we have one account that we share that's only for bills and then the rest is all separate and then we each have our own checking account okay so it would be in it well what about the debts what about the debts that i have so those are all mine okay so this is like an individual auto why are you guys not like combining my debts her debt her debt my debt because i spent it so because i i like they're my credit cards okay so that's why we're just talking to you because you guys keep things kind of separate yeah um that's interesting how long have you guys been married it'll be two years why are are we keeping everything separate i guess you feel some ownership on this debt which i get but what's the conversation around this what's his perspective what's your perspective um well oh interesting okay i got the credit cards you know his perspective are you oh yeah no articulate his perspective so we used to actually sit down every sunday and we would have like financial talks a good habit and i stayed on top of things but then we stopped having those why because everything was good and we didn't need to have them anymore everything was good because of the action we were doing behind it i don't think we stopped doing the action behind it that got us good and expect to stay good yeah that doesn't make any sense what so literally everything was good and you just stopped when did you guys stop uh this debt is so beyond debted this can't possibly only be between then well how long how long has it been like all my debt no no no no since you stopped having a little conversation on sunday little sunday time conversation like a year probably this was a year this is calculated within a year this is stacked in a year was he following along did he know i think he knows bits and pieces he doesn't even know the full picture oh okay i get it i understand why you're here he is his philosophy is always as long as the bills are paid that's all he cares about and yeah you're taking out earning yeah so i don't think the bills are paid yeah sorry i'm gonna need it quick i don't think the bills are paid yeah this is like in a confessional for you is this like you making a confession so part of it is it's gonna be a little bit because i do have a secret spreadsheet a secret spreadsheet what the fuck is a secret spreadsheet my husband and i have a spreadsheet that we both like collaborate on that's where we're like oh you put this much money in the bank account for this bill because like we split things right like insurance stuff like that but then i have a separate one that he doesn't see where it shows exactly how much i've like all my affirm debts are on there and all my credit card debts are on there things that he can't see on our why because i don't want him knowing how much why what would happen if he knew would he help would he get angry so he's helped me before and i don't want what happened um so i'm in college i'm a graduate student okay um for what for counseling cool yeah makes sense lines up yeah I did drop out of a class so my classes are like 10 weeks long and I dropped out past the point where like I didn't have to pay so I still ended up having to pay the four thousand dollars for my semester even though I didn't attend the classes and I couldn't go to my next semester until that four thousand dollar was paid and he covered me he was like here you go okay so so what's the issue so he did that okay because he's your husband yeah is that bailing or is it help putting his wife through college i'm a little confused i mean he like if my wife was going to college i would probably pay for her college as the breadwinner and i don't think that's me bailing her out right i guess i don't know that's my perspective on it but he like he'll say like it was just you guys aren't together it's him you yeah why is it him you it's not it's you guys i don't know i'm still getting used to that i guess how it's been two years of being married oh yeah i don't know how long have you guys been together before that four years oh but before that i'm sorry we met in 20 i think he'll let us talk to him if we call him in the post show we should do phone calls in the post show yeah all right so you'll admit this i will in the post show he knows he knows most of it he doesn't know about the secret spreadsheet though it's freaking crazy dude imagine having imagine the financial infidelity being a secret spreadsheet well and that's kind of where my budgeting my budgeting gets messed up is because i budget all my major goals but then i forget about my credit cards because they're not on the same sheet then no you don't anymore before you leave here you're downloading the simpler budget app that's our budget app made specifically for people like you you're gonna download it you get premium forever they get a free trial but you premium forever so take advantage of that sit down with the meet or hang out with financial advisors in there in their weekly sessions and take the classes connect your accounts you'll never miss that's crazy yeah i mean budgeting wouldn't work if it's not all in one place if we have multiple different things for one budget that doesn't make any sense so what does he think is happening then when you have all this extra money going to things that doesn't make sense like how is that he so he has eyes on some of it but it would have to be there would have to be red flags payments and whatnot and just money disappearing yeah so he used to know about the earning app that i use used to used to and then he made me delete it from my phone which is probably a good thing to do but making you delete it isn't actually teaching you no because i redownloaded it yeah yeah so i don't think he knows that i'm still using that right um of course not yeah okay it's gonna be an interesting situation that is beyond debted so we'll jump into it i want to see self-assessed where you think you are though where do you think you are zero to ten in terms of financial scores you've written the worst 10 being the best where would you self-assess yourself i would say like a one okay that's reasonable if you want your hammer financial score link is in the description below and if you want to come on here be on financial audit down here in austin texas i'll give you a good verbal and you'll hang out with all our producers and have a good time go to caleb hammer.com slash applied i am gonna ask about this actually so i've asked i like to ask about this here and there because there's some confusion out there sometimes uh you you applied to come on the show just like many of them are did you fully understand the process multiple times over oh yeah were you fully uh aware of the thumbnail process yes and then i'm gonna beat you up and we're gonna make jokes and stuff like that you're fully aware fully aware 100 um cool so let's jump into the debt yeah yeah one out of ten yep and i feel like that's being probably like graceful all right so we have the city advantage platinum card what's going on with this card so i got that card specifically because i travel a lot and and what was the thought behind it the free miles free miles yeah if we if i if i use it And I won't use it.

8:34Yeah. Well, use the card. Yeah. Well, okay. What about the interest that is accruing? You think that possibly outbalances the miles? Maybe, probably not. But my thought was. Yeah. So let's hear this. My goal was to make that kind of like my card, right? Like my. Your card. Why do you need a card? To get the credit card. To get the miles. Specifically for the miles. So I would use it for like everyday spending and then just like pay it off as soon as like the purchase went through and then i wouldn't have interest because i'm paying it automatically but i'm also earning the mileage to get free flights um but that hasn't happened i mean it hasn't happened i mean i've gotten miles and i've got i think i've used one free flight what's what's like the cash value the miles you're getting per dollar that you spend i don't know you don't know you don't know what's happening on scar what's the point of getting the car to be my special little card if you don't even know what's happening on it i don't know you don't okay that's a lot of i don't know so far yeah i i've never just looked i guess like i've never done the math for that but i that's important to me because i am from new york and i travel back there a lot i am yeah now i've been here about travel back to new york uh for the fam for yep family my daughter's out there so you have a daughter i do not with this husband no okay How old's your kid?

9:55Nine. Do we have any other kids? I have a stepdaughter. She's 17. Oh. Yeah. How old's your... With the new husband? Did you have an ex-husband? Yes. When did you guys get divorced? So we separated in... Separated and divorced? No, because I didn't want to go through all that. Well, hold on. But you're married now. Right. So I got... Did you get a divorce? I got divorced after I got engaged. So I could... How did you get engaged? Okay. divorce is complicated and confusing it's complicated confusing but you got engaged yeah just feels a bit wrong to me yeah we were separated for like six years so like my ex-husband and i before because how old's your current husband 35 okay okay he just had a kid young yeah he was 18 yeah yeah that makes sense yeah geez so okay nine-year-old and seven-year-old Yeah, a little bit of a gap there.

10:48How often do you see this kid? At least three times a year. Okay. What is the custody situation around that then? He's got full because he lives in New York with her, but I visit. Like, I visit on all the major things, so I visit on her birthday. Did you leave immediately down to Houston? Like, why did he get full? He's had it because... But why did he get it? so after we separated we still lived together yeah because it was easier and he doesn't work well i guess when you got the divorce it was you were down here yes okay yeah my life's messy

11:30yeah so you'd see your kid more if you weren't being stupid with that again this card is at 1881 dollars and 77 but my husband helps me with flights sometimes well he better because you have no money but you're getting this for the points right you see her more right okay but why does he have full custody because just because he's up there you're down here and when you filed for divorce you were down here yes okay yeah why are you down here um because i met my husband during covid my now husband yeah i met during covid when i was still living in new york um we met playing video games and I actually had no interest on like meeting anyone and but I was really lonely and I wanted attention so I was like extra flirty with him just to like make him fall for me but then he did and I trapped myself and we actually like got feelings and I hate New York so I wanted to get out of there anyways she is yeah but okay yeah New York there's nothing I came from a very small city that has been very hard to leave very hard um why'd you end up making that choice though overall i compared like the pros and cons um the houston area definitely had a lot more opportunities than what was available yeah but now you're only seeing her three times a year that's a huge con yeah she will we're gonna get her um starting this year she's gonna fly down for the summer so the whole summer that's nice yes he's cool with that yes yep okay so on here how many points have you accumulated like what and what are they worth then i think the most points i even got was just for opening the card because i got like the bonus but accumulated this period what's the period considered just this like what's the total amount is it the 1300 that i'm seeing on here i want to do some demonstration here yeah that probably sounds about right 1300 is the balance on it no no I'm talking about the the rewards I'm trying to figure out how many miles you got I don't know you don't know how many miles you have I could probably pull it up yeah pull it up cause your whole reason for this was getting miles I want to make a point I think I did just buy a flight with my miles too which is probably why there's not that many am I being too mean No.

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15:10It's a simple, safe way to improve your credit so that you can start unlocking better opportunities, lower interest rates, and better loan options, and more. All without the risk of overspending or falling into more debt. Head to getkickoff.com slash Caleb and start your first month for as little as$1. That's getk-i-k-o-f-f dot com slash Caleb. Don't let bad credit be a problem that's holding you back, and check out Kickoff today. Okay, you literally, you're getting$2.20 of fees. What is this? What is it? What is this? purchases$512 there and then$169 there and then interest$37.83 with a minimum repayment of$88.05.

15:54I need to know these points. I'm looking. I don't I've never. What is the point of this? How long have you had this card? Maybe only like a year. I don't know. I only look at the miles. This was supposed to be a my card. Can I have that moment repeated Mika? My goal. was to make that kind of like my card. Yeah? I only know how to check the points when I'm booking a flight, so I don't know how to look them up. Okay, accumulated points during this time. 1 ,313, I think. Oh, look, earn miles. I can earn miles. Yeah, through purchasing, right? Mm-hmm. On the City Advantage Platinum Select card, how many dollars does 1 ,313 AAD Vantage miles equal?

16:47Like equal? I don't even know. Well, I'm asking our good friend. I don't know. I can maybe get Wi-Fi with that. That's worth$21. $21 from what? For fees? That amount of miles right there is worth$21. You are literally losing$37 in interest. but but if i get to the point where i am using that as my daily card then i wouldn't have you using a daily now you're purchasing on it you're being stupid with it you're being a it's already your daily card it's this daily dump sorry it's this daily up your entire life it's daily you got 21 a mile congratulations but 37 was accumulated in interest in 2020 20 cents a feast so what world is this making sense it's supposed to be your special little swipey card especially special little swipey card okay you did it you swiped now there's interest now there's both i can't and what are we even purchasing but there won't be interest target target you went and got some bull probably because it's cheap what are we getting for there probably walmart that's probably getting into bull pet smarts is 169 dollars well how many pets do you have what is this is mash oh so that's a rage room i took my daughter to a rage room well i need that this entire this entire series i definitely recommend it is my rage room pet smart is a whole different i have lots of critters so i've got lots of i've got lots of little friends that i need to feed and keep happy what what do we have what is like a zoo are these yeah you're new kids like i don't these the third children what is what is even happening do you want do you do you want a road trip down my mini zoo a road trip i can't go to like a visual spiritual journey through my mini zoo i guess because it's like you've taken them on they are now your responsibility it is very important to me i have fish most people wouldn't give a fish but i took on the fish so it's my responsibility to take care of my fish um same with my dogs obviously i mean that's on a completely different level but yeah sure yeah so i have 16 tarantulas what are you on yeah what are you doing 16 tarantulas um well here

19:11you what is this um how did i not see this so this is this is scarlet okay i'm actually quite interested right yeah yeah right see hold on and they're addicting well i think it's cool as long as you can afford them i don't know about that i don't have 16 because if you can feed one you can feed 16 oh there it is yeah oh so curious yeah and i just watch them what are we on animal planner right now if we transition from financial audit i told i told them i want to make audio listeners feed her what am i feeding her okay maybe we'll do that in the post show then yeah I want to stick to your finances in the main show.

19:46So I have 16 of these little guys. Okay. Yeah. But you just watch them. I don't know. They're kind of like, if you're having a bad day, you just go look at them and they make you happy. Okay. I don't want mom. I'm scared. She's in the web. So she's not just going to fly on the web. No, she's not. It's right here. You see this guy on that camera shot? No one told me there was a damn tarantula in this office. Why do you have 16? So you have 16 of these individual things. Yeah, story time. This is a way too expensive hobby for you because you also have to take care of them. They are not cheap to maintain.

20:18No. So all the pets combined. She's like... We know she's a chick. Yeah, that's why she was more because I had her sex. She was... Oh, she was more? Because... Okay. How much was this fucking little piece of hair? $250. You can't even come close to affording that. I've had her for a while. When did I get... I got her... Look, almost a year. I've had her almost a year. You're at the credit limit here and you're taking cash advances. Yeah. you can't afford it but look at her i've looked it's cool honestly all my interest for it has already been achieved because i saw it and now it's not doing anything so it's like it's really cool when you see them like when you see them walk and you didn't bring any more did you no my husband won't let me i was good i was gonna bring five thank you because i don't trust it having in here i just brought one good you're gonna bring i was gonna bring five um wild man yeah we'll put it here for the camera shot okay so people can just stare at a tarantula that won't do anything for she might she might maybe what is she gonna do she's camera shot do she's shy if you want to burn a dog most people bring dogs dogs so how much do you spend on all this on a monthly basis i haven't bought one in a while no on a monthly basis there's like a thousand charges in here you said the target was that you said the target was that you said the walmart was that then we have the pet smart and then we have rage room okay cool but how much are we spending on all this animal stuff on a monthly basis because all of a sudden this becomes a budgeting item because you are not gonna let animals die that you have taken on right so i don't between all my animals it's probably and i have four cats so they're expensive this house must smell like no offense it doesn't because i'm really good about i'm super self no no no because my mother-in-law she'll tell us if it stinks so okay she's very blunt about it but they don't stink like

22:08they don't what is that you just pointed to it what am I doing with that I don't know their poop doesn't stink no I don't smoke tarantula how much again it's $160 so how much on a monthly basis for all these animals do you have pet insurance for the cats okay so what would you do if a surgery pops up 10 ,000 hours to save their life you the person who has adopted them and has essentially sign the social contract to taking care of them how would you be able to take care of them you wouldn't because you can't afford that because you can't afford them how much does this cost on a monthly basis all of them no pet insurance uh well all we pay for is food so it's like 60 bucks a month food cat litter all that it's not it can for all your pets all your yes my beard that has to be a lie because why do i hate you said the targets were uh pets related that equals 35.

22:56No, the targets are Wicked merch. Huh? Huh? Wicked. The f***ing movie? Yes. This was like a year ago. No, but this was a while ago. Now, Wicked, what are the f***ing doing? What are you getting, like, just green paint? They dropped so much, like, Wicked limited edition stuff that I had to get. Like what? You're not even wearing any of it. It's already done. You don't give a f*** anymore. I do. I listened to the whole soundtrack on the way here. What? We all do. We all do. This is what everyone does. what did you get i don't know i got like she doesn't know she goes and she doesn't know are you kidding i get a lot of books i got like books yeah that's wicked merch is books sometimes um no no i did i got the wicked book i got the not even similar no they're not that's why i wanted to read it because i heard about it and it's more f***ed up than the movie so i had to i had to absorb okay and then the f***ing okay you say you spend 60 that's a bull if you spend 169 dollars of Pest Mart.

23:51That was probably We have a lot of statements to go. Probably a new cage for someone. Why? Why didn't you need a new little cage? Because they grow. See, there you go. So it is not just 60 hours a month. This is ongoing maintenance. Okay, what else do you have? I have a bearded dragon. Coors? Yep. I have a crested gecko. I have... Why do you want a crusty gecko? Because they're cute. Okay, next. I went to an expo and it was there. so i just got it my husband told me before i went to the expo is it just like dried cum like what maybe no um he's crested not crusted like a crest what else i have three hermit crabs but my husband only knows of two of them you have a secret hermit so not only financial infidelity but hermit crab infidelity yeah it's a new one why would he not know of the third one because it hides it hides so he only ever told him um because i don't know my story when i told him that i got him i told him i only had two does he like all these no no no what no offense i do it's cool but it's it's it's like stink it's space it's they're all in my office so this is all in your office yeah can you send us a video yeah i'll do a little bit in the video we'll put it in the video because i'm I'm curious.

25:11Yeah. Oh, and then I, so my husband went on a work trip. And this is where I get a lot of my animals because when he leaves, he can't tell me no. Well, he can by you guys having a conversation before. By you guys agreeing throughout your existence that, okay, maybe we have enough. I think that's him. He tells me that, but then I ask for more. And eventually he caves in. Oh, my gosh. well it shouldn't be you should be able you should be able to respect his desire not i tell you no because i'm your daddy not like that but respect each other's desire and respect each other's existence like right why don't you respect that yes um well he doesn't even know about secret debt so he doesn't but i don't think there's a lot of respect going on there we got into a little disagreement when i first moved here because i really wanted a ball python but he doesn't like the little holes just had a little buy ball python freak on the show the best i would never spend that but anywho um so he wouldn't let me get one you might be his only exit strategy i don't have that kind of money insert clip from that episode too sorry i'm making you work mika i purchased ball pythons in the in in the intention of breeding and selling the f*** are you even on so when i first moved here i really wanted a ball python he wouldn't let me get one so fast forward it's been what three years since i've asked i've been on his case about it because i really want one and he begrudgingly told me that because my friend was selling his he has a whole bunch of animals and he was trying to get rid of some my my python okay so i was like it is 80 for the whole thing like you can't pass that up money you didn't have because you have a max out credit card only one of a thousand we're going to talk about and we're 30 minutes and talking about ball pythons.

27:02Great. He's great. All right, guys, this is super exciting for this financial audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the elite level or upgrade from pro to elite, I'm going to pay for it. I am going to directly reimburse you for the$5 for upgrading or$10 if you join now. It's essentially like a free trial, except since it doesn't offer it, I'm gonna pay for it for you. All you have to do is follow the instructions that I'm gonna post in the membership area Send us that proof and I'm gonna send you the money and boom boom you joined hammer elite for free Yes, seriously guys.

27:42There's thousands of hours of extra content there You got two exclusive member audits a month the ability to call into our new live show Which is also two a month. You just broke Lindsay's heart. No, that's not true. Honestly, Ashley That's Lindsay for you weekly live streams So Caleb, what's your social security number? I'm doing it. Three, eight. That is definitely going to get on your shirt. Three, two. And every single financial audit post show, plus member weekly videos. It's crazy how much we have going on. Well, I got so drunk I kissed a grandma in Spain with only partial consent. And then I ran off through up on the beach.

28:25Plus, it really helps support this channel. So let me pay for it for a month. So you have the opportunity to check it out. Make sure you click the link in the description below or the pin comment below. And I'll see you guys there. And again, make sure it's the middle tier Hammer Elite so that I pay for it. This offer expires at the end of the month. But I would rather you do. What's your what's your what's your emergency fund like?

28:49Nothing. Then legitimately you. I had$400 and then I. That's not an emergency fund. That is a fourth of a way to 10 % of a starter. Yeah. Yeah. So fourth of a way to literally the basic. Oh, okay. Or 40%. Yeah. But even still. Okay. But got a plan for some facts. So when he was gone on his trip, I got the snake and we, he got really upset with me. And yeah, no, I would too. Come on, dude. you've had$331 of interest accruing. I mean, this is what a disaster. How long does this take to pay off? How long does this take to pay off if you just do your minimum payment without doing purchases, which is you're incapable of?

29:35How long does it take to pay off? I don't know. A year and a half? Two years? Three years. Close. Not really. Payroll hits your account on a monthly basis. I saw 2077. That sounds about right. Okay, 2077. How much did you spend in this last month? this last month yeah in the month that we're looking at the most recent month of statements what did you spend what should you have a little spend what'd you do i don't know yeah let's let's let's try to do a number i would everyone seems to struggle with this even let's see i bring i bring 27 home oh yeah no no i would say i would say 2077 27 2077 okay how much did you spend Maybe$3 ,000.

30:17Okay, that's curious. $4 ,254. What the f*** are you talking about? No wonder you're doing little micro payday loans. No wonder this card is maxed out. No wonder this debt is horrendous. No wonder you're not able to travel up to New York as much as you'd probably want to. No wonder you have$0 in savings and it's gone down from$400. So are we getting ball pythons? Are we getting an extra pet that is going to cost an extra expense on a monthly basis? No. That is what an immature child does. You are 34. stop being a child my husband told me if i pay everything off i can get another snake so that is my motivation good motivation but guess what we're going through 173 000 dollars to death so good luck you here's the only snake you're getting but i have school refunds coming i have taxes coming let's see yeah well you don't get the full child tax credit do you because they're not even a dependent no do you pay any kind of support oh yeah yeah i pay three ten a month and then does that come up before you pay us it yes good yeah thank goodness and then i pay for lower than that i pay for their internet up north yep it's a random expense okay it's the only way i can like keep in touch with her so i make sure that she at least has internet he wouldn't let her have internet he doesn't work he doesn't work and he has full custody yeah how do they afford bills uh public assistance why does he not work let's do that let me see if it's valid he's got some medical stuff that he is it valid that he doesn't work on okay yeah that's different yeah he's going through like disability so once his disability stuff goes through like making enough though and plus your limited support to give her truly the day-to-day life that she deserves we let alone need we make sure that she's she's good me and my mom so is your mom up there yes okay yeah she helps yes okay amazon card what's going on oh amazon i use a uh you know for amazon for amazon um i get stuff for my animals like my snake has mites right now so he needed to be treated see this is an added expense you say the 60 a month no it's not they grow too big they need insurance they need food they get mites a lot of that's also for christmas i put christmas you have no money you have zero dollars in savings you've gotten divorced sounds like he's gotten divorced as well sounds like you know what's the physical likelihood of you guys staying together i hope you guys do but maybe you prepare for a situation where you don't right well i had to make sure my daughter had a christmas so she doesn't get a christmas without you um not as good of one so i get it i get the vibe i appreciate the heart of it yeah she's getting older so everything she wants is more expensive so although this year compared to last year is a lot better because i got her vr headset last year and i'm still paying on that you're still paying on last year's christmas and yet you're buying new christmas what the did you buy this year what the possibly did you buy this year if you're still paying off last year's you're paying off 2023's christmas yet you went into debt for 2024 so okay great yeah i would rather her get a college fund but sure go ahead what what did you get this year this year she got some bath bombs she got something that expensive no it's it was just a bunch of little stuff that added up then maybe we're not doing a bunch 137 dollars of purchases on here it was paid off then you took it to 169 which is totally fine for the credit limit of 1 ,500 it i would say it looks like you pay it off but there's a fee here$27 what oh no I'm still it's a f***ing late fee how do we have a late fee on a card that had$27 and you put$27 to it then you purchase 116 foot over f***ing dollars why is there a late fee why would you possibly have a f***ing late fee why are we late feeing the Christmas if you're still paying on last year's Christmas from the Christmas before especially if you're paying a late fee now you're paying for double Christmas you're double paying for Christmas two Christmases so you'll be 2025 Christmas and you're paying for three and four probably because it's on my secret spreadsheet and i kind of forget about it simpler budget app simpler budget app i know this works with plaid it's the system that every budgeting app uses so get that automatic connection late fee wise and i don't know how to pay oh let me guess because there's like five dollars in your checking account uh there's like at least 50 right now yeah not what i saw amazon amazon amazon prime let me see your amazon start a screen recording will blackout personal information for f**k's sake my dude i gotta you are not a credit card person just like the guests on the show use the fizz card i got denied for it got denied yeah because you're probably f**king crazy it yelled at me because I have the earning app.

35:10How do I do it? Yeah, most people probably, no one gets the night because this is like, it's valid off of what's in your checking account when you spend money. You have to be in the worst of the worst of the worst to get the night. That's that and a loan. Maybe we should have everyone apply before they come on because that tells us how they are. Yeah, that really puts some perspective on how my situation is where I couldn't even get that card. And what have you done to fix it? Because all I see is going up to the credit limit and a late fee so far. We saw two things up to the credit limit, late fee paying for 2023 Christmas.

35:40i can't what are you doing yo you realize you realize it's bad so what have you done what are the actions that have been done what's being done i can't screen record my amazon do you still want to say i don't know what are you doing um so i have plans when i get like school refund checks to pay off all the debt um so that's where i kind of get into loops because i know i have money coming so i pre-spend it pre-spend yeah sake pre-spend your pre-spend i see you already downloaded the simpler budget app good that's a start i did you did that headed into here that's a step towards it's a step but unless you're being actionable that's all that matters got a shirt but you yeah great oh what is this fake snakes why are you getting fake snakes you have real snakes why are you getting fake snakes your fake snakes you have real snakes for the show i had to have something fun for my earrings that was that yeah you don't spend to come on the i have no clothes well the reimbursement obviously covers that but it's trying to cover gas in your time yeah neato's and stuff like that yeah so that That was all my...

36:55Dude, this is all fucking bullshit. Hermit crab shells come the fuck on. They need shells. They're hermit crabs. You shouldn't have them. You can't afford anything. You're getting late fees and a maxed out credit card. That's what we've looked at so far. I'm stressed and it's the middle of winter. I'm turning on the damn AC. Thinking about all your tarantulas over there eyeing me down. She's making sure you're not too mean to me. We're all sick around you. Capital One Venture. What's going on here? Um, so that's my Walmart. Okay. So your what's my Walmart card. It's, it's like when I got it, it was the Walmart credit card.

37:33So it, I got, you know, the bullshit rewards for purchasing at Walmart. Um, so I use that card a lot for travel when I had to travel. No, you had the travel card for, I don't know. One of them is high because of travel. one of them is not but i had to do i had to go to greensboro north carolina for school so i needed a hotel why'd you have to go to there to school so my program we have to go uh two weeks out of the whole program we have to go in person because normally all my classes are online but you have to go in person two different times um and they like it's on a schedule so my semester it just ended up it was in greensboro that semester so i had to go to survive Um, DoorDash.

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40:52Who would have thought? $2 ,164.72. No purchases. Thank you. Basically, the minimum made for the payment. How long do you think this takes the payoff? Minimum with the payments, no purchases? $58.46. If it's higher than the other one. Okay. Yeah. 13 years. 13 years you'll be in your 40s mid 40s 45 good job on minimum payments yep because you have 58 dollars and 48 six cents of interest accruing it's a 31.24 interest i don't know what the you'd think would happen

41:27but the other one was only three years so how's that one so much higher smaller balance uh maybe a higher interest maybe smaller balance higher interest lower minimum payment there's a lot of factors that go into it okay capital one quick silver you have you've collected every little credit card haven't you credit what are you doing what have you done with like what was your you got that first credit card for four guys i'm making the difference i'm nothing to them okay so you know what the amazon card though got me a free hex clad pan because they gave me 150 gift card when i opened it i think i have hex clad it's not it's just an old pan.

42:00I don't see it. They're really good pans. They're worth it. $159 on the Capital One Quicksilver. Is there a balance on here? Or did you pay that off? Quicksilver? It started at zero. They hit me with the annual fee all at once. So I've been... What's the balance on here now? I thought it was like$68. Why? You don't not make money and you have the husband who probably takes care a lot of the bills um no he obviously pays more how do you guys do bills how do we do them through our little spreadsheet so like oh but you have a hidden but i have my secret one yeah so like all my credit card bills my two big ones are on my main one but the little ones all my affirms all that are on the secret spreadsheet so how do you guys split the bills though i'm talking percentages or who takes what how does I take about a third and then he does.

43:00Okay, with the third, I don't know the price yet, but you should be able to pay off the 60 damn stupid dollars. It's a$25 million worth of payment, so it still takes eight months at that point to pay it off. Eight months just for that. That's stupid. I tried to cancel them and then they persuaded me. Cancel? No, don't. But I didn't want to close them because it keeps me. Close them. F*** your credit. You have maxed out credit cards. What's your credit score? It depends on where I look. experience says like 680 but other ones say like 630 i'd guess more towards the 630 if other ones collectively say 630 and one says 680 let's go with the collective we can average and say like 650 no we can't you yeah interest no this wasn't the card annual fee you tit scotty fit what's Scotty fit.

43:52Oh, I forgot about that. Okay. So I have been on a weight loss journey for the last year. What do you weigh? What did you weigh? I started at like 220. I got down to 185 and then I've gained a little back. So I'm like 200 right now. So that gives me hope, a little concern. I'm also a ballooner. But if you have the discipline to lose weight, we can transfer those skills to the money part. And that gives me more confidence than, you know, some episodes. So Scotty. But you are bouncing. Why are we bouncing? I bounce. I'm a bouncer. I'm not judging. I'm judging a little. Why are you bouncing? I hit a plateau and then I lost all my motivation.

44:27Why? Because you hit a plateau? Mm-hmm. So what are you doing now? I mean, yeah, you're eating now. It's crazy when we go through these statements. It's like crazy. Nothing. $592 of eating now alone. Then miscellaneous bull**** is$765. Unknown shopping is$713. I bet half of that's pet. Half is eating. Yeah, probably. But yeah. So what the f*** is the Scotty f***ing broken? So Scotty was running a special. He opened his. Scotty. Who's Scotty? Scotty K. you're talking about Scottie. Who the fuck is Scottie K? What does he do? He's a, he's a TikToker and he opened up his little coaching thing. Coaching for what?

45:00What does he coach? For like personal fitness. Okay. It's a fitness coach. Yes. Yeah. So I thought that was a really good deal because I have looked at coaches before and I have never seen one that low. So I signed up for them and then my husband switched jobs. So we were kind of really low on money for like a little bit. Um, so I canceled that because I couldn't afford$160 a month. But I still got stuck paying at least the first month. But yeah, I forgot that was on there. 31.74 % interest rate. This is crazy. This is crazy. I don't get it. I don't get it. Credit one. That's when we know we are the worst of the worst of the worst.

45:43You only have credit one when we do the worst of the worst of the worst of the worst of the worst of the worst. Yeah. So what the fuck? I was just super excited that they even opened. Yeah, I've never had a credit card. You were excited about a credit card that shows up in the mail. What do you mean? Credit One is one of those credit cards that comes in the mail. One of their trash ones. It's as trash as it gets. But I don't know. The benefits on the Platinum card is probably actually relatively decent if you actually use the credit card effectively. Credit One, no matter what, you have fees regardless if you have a fucking balance.