Ignorant Wife Divorces Wimpy Cuck

0:00$410.98 minimum monthly payment? That's some - And I didn't know about this card until after we got married. Why? I didn't tell her about it. Why? I don't know. That's irresponsible and rude and selfish as f***ing. Hi, my name is Sarah and I'm 22. Hi, my name is Joe and I'm 25. We are based out of Lubbock, Texas. And this is Financial Audit. Welcome over to Austin, Texas. You guys are married. Yes. Yes. For now. I am. Oh, well. Okay. Well, never mind. I was just gonna say I'm over here Like not married 29 And like Okay whatever And What We For now Means we're Planning to get divorced Yes Yeah We haven't filed We haven't filed You're 22 and you're getting a divorce Yes Yeah It A lot When it doesn't work out It doesn't work out And When'd you guys get married A year ago January of 23 How is that even 15 Wait what Oh Is it funny or is it like traumatic?

1:03A year in a marriage? How long are you guys dating before that? A year. No, we were dating for a year, engaged for a year, and then married for a year. Yeah. Yeah. And we'll be getting divorced soon. Probably the next three-ish months. Yeah. Something like that. So what are we doing? So we both have trauma. Some pretty bad trauma. Him with his parents and how he was raised and me with an ex. And we jumped into our relationship. What are we doing here? I mean, we're going to therapy back at home. He's talking about financially. Oh. He screwed up my finances and so we're here to get it fixed. What'd you do?

1:45Why? I'm laughing about it, but. I basically made her use her emergency funds and stuff for a car. And his spending habits. And yeah, my spending habits. Well, a car might be an emergency. What do you mean made? What does that mean? The car broke down. I bought a used car and the car broke down literally like six months later. Well, that's a fair use of an emergency fund, right? Because you guys were married at the time? No. No, we were engaged. Okay. Yeah, engaged. Well, it's approaching that situation, but even... Okay. So we got into a car wreck and it was pretty bad. And nine months later, we finally got payment from the insurance company because it was a county vehicle that hit us.

2:26and so we used a little bit of that money um some money from his dad and my savings to buy him a new car which then well a used car i forget what it was it was a kia something and um it broke down six months after he bought it engine just completely died there's no replacing it okay okay that can i mean that can be an emergency um we were immediately saying that it's his spending habits and stuff like that the car thing is car thing his spending habits if it's his spending habits what have we done over the course of this last year to even address and talk about it so you guys are so young this is crazy yeah we like i'm getting ancient okay go ahead why well what have you done to address the spending habits what's happened we both have well i feel like i've probably made her bad habit with a lot of like spending as well because for me i got bad habits just because i used to work at a prison like six years ago something like that and i was making good money and then i was just blowing money and then after i left the prison uh i just kept the bad habits and then i guess once getting into a relationship with her and everything I basically made she was trying her best to help me out I didn't help out any with the financial stuff and I would just spend money yeah well at least you're self-aware why not why haven't you tried to do anything to repair you're a year into this a marriage is supposed to be a lifetime thing that's usually what marriage is intended it's not just financial stuff that's causing the separation okay so fine fine fine fine fine sorry this is it took me for a spin at the beginning so let's just let's just figure it out just for context for everyone watching why are you guys getting divorced we're honestly two different people we've realized that over the year of being married that sounds like every human in the world two different people congratulations well we're not compatible we're not compatible we're both going through therapy right now and realizing that um we were trying to make what we thought the other person wanted instead of being who we actually are and we don't like each other anymore see i think really the issue is is just that our trauma really from our past and everything really just affected the way we ran into the relationship to be honest like she said we rushed into it it i explained it to my therapist this way it was we started dating i we got engaged and I was like having doubts kind of like should we get married should this be happening and I kept putting this invisible finish line in front of me like oh once we get married it'll be fine oh six months in it'll be fine oh a year in it'll be fine and you just keep pushing back this line of it'll get better and it never did our marriage what don't you like about each other I think mostly for her it's just for me I don't like you say what you don't like you say for each other he's he's incredibly emotional and i'm not okay my issue with the emotional part is that i can't really deal with the fact with my mom's situation and everything it i i just grew up with two girls 24 7 yeah that's that's the biggest thing i think is that he's a crier and i'm not for me for her it's just like she can be very bossy and very uh controlling in some ways and it can get a little bit annoying so you guys are recognizing your own flaws so i mean are you a crier i am a crier but i don't like being called out on it so it because i know i'm emotional it's just it's come to a point where it's like it happens so often that instead of consoling him i roll my eyes here we go again does that seem emotionally supportive i used to try to be that used to be like oh man i can't do that that's not nice i need to be there and support him what are you crying about uh everything this isn't this isn't finances right now what do you cry about then we'll move on honestly it's just dealing with life honestly i guess being out of out of the house from not depending on my mom straight from his parents house to living with living with her and it i think i wasn't prepared for that mentally just because of the situation with my mom uh being an adult i really depended on my mom because i got i was homeschooled so i was how long have you guys lived together you're 25 two three and a half three years so you lived at home until 22 23 yeah till 23 so i mean i depended on my mom a lot and also with the fact that it was just me mom my sister since my dad had left because it was a whole situation with him cheating and everything but who wanted to come on here me she really did mostly okay what are we on here for i feel like we're in a hole that is constantly there's no where we're in a hole okay we're in a hole we're not where we're not mentally we're not anymore so like what are we trying to do then y 'all this is the time to switch to my favorite high yield savings account with sofi you can get 4.6 on your money i hate when my money is just losing value so make 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We're just trying to get to the point where we can actually financially be okay separate as well and then to light a fire under his ass to help me with the finances and the spending and it doesn't matter you guys aren't gonna be together in three months what what doesn't matter what he's doing well because i'm if i leave if we leave each other and i get into a good place and he doesn't i'm gonna feel horrible like i want to make sure that he she has some emotions she does no she can whenever she feels like it all right well let's see what the finances look like also i want to know give give me a win give me a positive financial win that you've experienced this year also be nice to them in the comments below only i'm allowed to be caleb springer not you you're the nice ones be nice they're brave enough to come on you're not so what does the household finances look like today and then how do these debts and finance start splitting up as we start to split up right now we live in a three-bedroom house with a roommate so it'll be split three ways um you're gonna continue living together yeah yeah just in separate rooms was that not gonna be weird probably for a first while to be honest i mean why don't you why don't you guys like moving out because we just got into the house a month ago yeah when was the when when did we decide we're divorcing literally a month after no like the same time that we moved into the house and the third friend that we have living with us really needed a place to stay and had nobody else that he could move in with so she kind of dropped the bomb on me like in a year when the lease is done i honestly i don't know haven't really thought that far yet right now i would like to stay in the house i kind of like the house too but at the same time i don't know i don't know where we're gonna go from there nice to each other so i think it's i think it's fine if we stay living together you know we're civil very similar what about like dating other people want to get like awkward and stuff that i'm probably not going to get into that until later until i actually get out of therapy personally so out of therapy is there ever out of we're both going to take time to fix ourselves before jumping into why'd you guys get married because because we thought we really loved each other yeah and i was my it was literally my first being around each other yeah yeah i mean we used to more than we do now honestly she was my first for like everything i've never been in a relationship or anything so congratulations on your skills thanks why are you guys both so like smiling happy because from the language in the conversation we're using it doesn't sound like we are but you just you're you're both so like we've had the the sad mopey days they're over now for me it's more of like i have a i would call i call it a bad habit of being able to hide my emotions just because of past trauma he could probably burst in tears at any moment but i'm i've had my like days and nights of crying and i'm done i'm over it i i'm just i'm just a baby honestly whenever it comes to self-emotions i'm very i have to be careful like i feel like i get too emotional a lot honestly well being emotional is okay as long as we before we come and make like a major decision we come back to our rational side a bit that's my issue i don't especially financially wise in my emotions i kind of make bad decisions in buying just trying to just make myself happy with buying random stuff all right i'm gonna say three two one go on go you're gonna give me the household financial score zero to ten zero being the worst ten being the best three two one zero three all right if you want your hammer financial score free in the description below so you think it's a lot worse than he thinks and you think it's closer to average he thinks it's the most doggity dog it can ever be so we have a card who is on this card which this is the slate edge that is my card okay so we do have these separate he has access to my credit card he's one of the authorized users authorized okay my credit card and i'm an authorized user on one of user yeah i made her an authorized user after i got the card right that should be fine i don't know if that means we share the debt being an authorized user you it shouldn't it shouldn't but if you co-signed and you got on it together that's where you would be reliant we both had our credit cards before we got together yeah so for you slate edge mr joe two thousand one hundred seventy eight dollars sixteen cents there is interest accruing that's the craziest amount by any means there's a forty dollar minimum monthly payment bro i need to know okay there's always so much context that needs to be gathered what do you do for a living i work as a health unit coordinator which is basically just a front desk person at the hospital what do you make a year uh calculated correctly it's like well you make a month what What comes in on a monthly basis?

13:13He just started full time. I just started full time. So technically. He's been working part time for a year. So before it was probably around like$1 ,400. What's your best guess for now? What's your hourly? Hourly. It's. $1 ,375. $1 ,375. How are you going to survive? What? Well, because like I'm calculating for like the. Because we have overnight pay and then also weekend pay, which I work the weekend. So overnight pay is an extra dollar. It's like a dollar. And then weekend is like another. So yeah. so it's like 16 how many hours a week do you huh now he works for now it's 40 but i work yeah my hourly is 16 an hour and then you just said 13.75 he that's base 75 is base pay and then a dollar for overnights which he does he works over nights i work over nights we only work overnights and then on the weekend nights he makes an extra 75 cents on top of that okay Okay, well you didn't, okay.

14:10More or less. Do you know anything about your own finances? No, because I've actually based it off of her. Yeah. I try to involve him as much as possible. I just don't think he retains any of the information. That's also partially why I'm going to therapy, because I disassociate a lot. Well, okay, but you just haven't. I'm very bad. I'm just afraid how you're going to survive. Yes, you'll be in the same house together for a year, so you can ask questions but well part of it is that he he doesn't know how to respond quickly his brain has to take a minute to he could probably come up with the numbers but he just have to sit there for a minute and think about it whereas i'm instantly know she knows more numbers than i do that i just that's another thing where i depended on her a lot financially well listen knowing more numbers than the other person that's fine but at least know how much you make it your job and like the most minimum thing 31 720 if everything's on the weekend but so I'm guessing it's closer to like $29 ,000 a year.

15:11Yeah. $2 ,416 a month. So let's call it like your tax bracket's incredibly low. $2 ,000 or$2 ,100 a month. Let's say$2 ,100 a month. And you, what do you make? The same. We have the same job. Oh. Same place? Same place. I got her in before. I got her in before we actually talked about it. We met at a fast food place that we both worked at, got married, and then he went to go work at the hospital, and I followed shortly after. Maybe that's why you guys hate each other. You don't have a second apart from each other. Makes sense. Yeah, we were always together. We were always together, so I guess that makes sense.

15:54Which was nice for a while when you're in the honeymoon phase, and then that dies, and so does the love with it. oh it really sucks that neither of you really make that much on a yearly basis combined we start getting closer to the median household income in the united states but single we're certainly quite far from it then you went instead of paying off your card on something that's accruing interest you go and purchase 81.96 cents of things you're door dash you f***ing taco bell let's go pick it up it's hilarious it's accruing interest i was at work actually for that one I was at work I door dashed it to work Do they not have anything there?

16:33They have a little Do you not know how to pack a sandwich like a big boy? I don't like making food I don't That's hardly making I'm not really the one that does food wise It's usually our roommate now So like makes food He doesn't cook Making a sandwich isn't cooking It's taking on a piece of bread Taking on a piece of meat and putting on the bread i'm lazy okay there it is so how are you do you even are you going to get out of the debt i know i'm digging on on you but that's only because we're only talking about your finance yeah we're gonna get to yours but lazy lazy is not gonna get you anywhere so what what is your plan do you even care about this she's the one that wanted to come on the show do you give a this i do i don't really show as much interest in it because like i i mean i've always hated math and any kind of numbers just irritate me because it's like it's especially finance wise i again me being emotional i don't like seeing the bad debt so i kind of just ignore it do you want to do this i do i just oh okay i don't like being again i don't like being called out on my being yelled at well isn't it isn't it important to be called out if you're just i'm learning around your i'm learning that but yeah okay we get it sorry you're not something you've told me 20 million times we know have you just been coddled your entire life i'm curious yeah because i was homeschooled with my mom and my sister 24 7 yeah i never and how's your relationship with them cut off my mom um narcissistic and recently cut her cut her off actually because it was just the whole situation with that guys's lives are wild okay my sister is in florida i really i mean we're okay i guess i reduced really don't talk a lot just because she's in florida i'm here in texas so i feel like you're the ultimate person that needs to be called out on the if you've never been called out on your life and that it affects you that way if it affects you that way then i think you need to accept the reality that caused a lot of problems in our relationship i'm slowly learning that but it still does all the time and it's always met with defensiveness and excuses and so on and so forth yeah i i'm emotional i'm dramatic but i don't like being called out okay and Xbox subscription TikTok marketplace Who the f*** uses that Okay we both actually use that I've used it like once Lies you've gotten a few things You got like two or three things a while back What is market street because you guys go there and get like two dollar purchases Endlessly Wait it's like a market street Yeah Yeah market street is like a grocery store Two dollars I think that was like In the checking account and on the credit card Like you're going in there and getting a monster energy or something Like some taquito bull I don't even remember that one See he said the thing

19:27Oh yeah I said the thing Okay city diamond preferred Who's that His is mine as well Sorry buddy you get to get bullied for a little longer Yep I didn't know whose was whose when I put them in order So you're just getting the luck $6 ,969.72 cents. That's some f***. With your income? That's some f***. $410.98 minimum payment? That's some f***. And I didn't know about this card until after we got married. Why? I didn't tell her about it. Why? I don't know. That's irresponsible and rude and selfish as f***. I didn't think about it. Honestly, I was stupid enough not to tell her. What'd you think when that when this came to light how did this come to light it was not uh that high i think it was just at six thousand when i saw it only no it was for your guys's income that's ridiculous it was less it was actually less but i think i saw it when after we combined our checking account and then he had to make the four hundred dollar payment and i said what is that going for my credit card and then he finally gave me access to all of his credit cards to look at them and i saw it that was probably like a month or two into being married yeah she didn't know about it the whole time we were engaged by the way who said let's get divorced she's the one that brought it up people younger than me i've already gotten married and divorced great we're not happy about it it just it's not a good thing it's just no it's not 171 dollars of interest is also not a good thing but then but then instead of off the card instead of paying off the card the balance went up the balance went up because the interest and you went and purchased yeah i i have bad spending habits and I've - If you know that, why have you not addressed them in any way whatsoever?

21:18Again, I don't like being called out on - I don't give a s***. I don't like it and it pisses me off and I'm like, okay, I get it. I know, I'm bad. Then do something. Why haven't you done anything? Because I don't like dealing with drama and - No, no, no. Regardless of any conversation here, regardless of any conversation between yourself, that's not drama if you say, oh, maybe I spend too much money. Let me not do that anymore. Is that drama? No, that's just you being a f***ing adult. Sorry, I know I'm going hard. I know I'm going hard. I just want to know why you have not adjusted this in any way, knowing your own issues, regardless of what anyone else has said.

21:57Is it the spite people for calling you out? I guess, honestly. So you're like, I'm going to go f*** my life because someone called me out. I'm f***ing my life. It's really unintentional spite, honestly. And I don't know. I do it unintentionally. even though I know I'm doing it I don't know. Whatever that ADHD thing is where it's like hey can you go do the dishes well now I'm not gonna go do them it's basically that but I use it as an excuse. You're just not making any progress on this. I'm not I'm really not. Apple subscription there's some taquitos and colu, chick-fil-a sudsy springs car wash what's UMCP?

22:37Kings Park U-R-G car wash i usually try to use coins but i ran out of coins you take the coins put them in your bank account and pay off your debt what is this amarak educational thing amarak oh that's a vending machine oh i always forget about that it comes up like that that's also at work oh five hundred dollars we're only a couple months into this year and five hundred dollars of interest is accrued on this card so far you're just throwing your life out of spite for others you're destroying your life you're fucking spiting your future i mean honestly everybody to me sometimes but i have those moods so i get like that but then i also realize that it's bad to have that thought to have that kind of mindset yeah over your life because others called you out for your life is being an immature child yeah that's what a child does not an adult not a 25 year old adult if you think you're a child then if you think if you're too much of a child to take care of your own you're too much of a child to drive you're too much of a child to be able to go live on your own you're too much of a child to be able to have a job because you wouldn't be able to mentally comprehend the place that you're in because jobs have a lot of drama have a lot of work have a lot of things that are urgent and stresses if you're too much of a child to even accept that uh-oh my life is not the best maybe i should do something about it but because someone told me it's bad i'm gonna do the opposite then you're too much of a child to exist in this world but what the stupidest thing is like for me i i'm better at work i'll do my job i'm perfect at my job i get you know people they love me working there and everything but outside of work everything else no i don't know why it's just that's how it's been with me the whole time.

24:30Well your life matters so you better start taking care of it and then the Wells Fargo autograph visa signature card whose is this? That one's mine. Exclamation marks on it already. Yeah you're supposed to be the good one aren't you but you're over the you're over balance you're over the limit. Not anymore I made a payment. You weren't the time of this so I don't get this means that you did it at one point which means you are not a credit card person it's as easy as that simple as that doesn't matter if you fix that now you did that recently last month a couple weeks ago a couple weeks ago so after i gave him my emergency fund to buy his new car i then had to go and fix my car which was twenty five hundred dollars because it was the mechanic said if i didn't fix it and if i hit a pothole too hard i was going to completely destroy my car so i had to replace the arms for all four tires for a second opinion no i went to the family mechanic the trusted well we had one of our well we had a friend who so yes the the trusted uh friend is the one that was the second opinion yeah oh he i mean he agreed he looked at it he picked he put it on the lift looked at it and he agreed it was the same thing yeah okay why did you not have an emergency fund i was never really like i guess taught to like have like an emergency fund i was just taught to really just save but whenever it came to spending i just didn't care may i teach you something real quick what have an emergency fund i've heard that a lot recently you didn't know what it was i didn't know what i've never really yeah we learned it at some point you guys are on the younger side so not gonna she's known it for years with her she's known it forever so that's what kind of pisses me off too what that she's known like how to have that and i didn't i'm more it's more pissed off who calmed up oh oh okay it's more pissed off at my parents not her they knew they see i took that different way do they do they know about emergency funds are they they don't do emergency funds they just financially plan stuff well they just sound like they're dumb then when it comes to basic personal finances so it's like uh they really i don't know if we should be angry at that this is where it is some people come from disadvantages some people come from advantages i went to you know i lived in a nice community i was very much so on the low income side of the community i think it's uh you know a lot of people had nicer clothes nicer cars all that good stuff not me that doesn't make me sit there angry i get my together and live my better life fair enough you over the credit limit so this was for the emergency yes but obviously automatic payments on there that i forgot about forgot about thousand dollars worth almost it's not a thousand dollars almost no no no no you said it's 2 500 but this is sitting at 3 233 at the time of the statement so those automatic payments that i forgot about were like 700 800 that's probably not everything yeah so i don't think we're the responsible one numbers don't lie i gotta call people out when they have sat there the entire time as the high and mighty so enjoy this part yes she's not perfect three thousand two hundred thirty three dollars twenty eight cents over the credit limit eighty three dollar minimum payment interest charge 50 bucks oh we still purchased we still purchased a Microsoft subscription and Crunch Fitness that's the gym that we don't use I'm good with the gym membership but I saw a much more expensive charge from Crunch Fitness on the checking account so this is almost like a vending machine or something it was on the credit card and it got cancelled for some reason so they were charging me interest for not paying it so I went to restart the membership and that was a bigger charge That issue was the fact, like, we tried to actually talk to him about it, but they were just, like, giving us the runaround until she actually went in and talked to them.

28:35That was the other gym. Oh, was that? Yeah. Oh, dang. This one, my card got locked because there was a suspicious charge, so it didn't go through. Yeah, or we were above the credit limit. So, a lot of this credit card, according to you, was building up because you had to put a thing on it. Mm-hmm. A car expense. You had to use your emergency fund, which wasn't a fully funded emergency fund. How much was it? How much was it? It was$2 ,000. Okay, so you didn't have an emergency fund. You had like the building blocks of an emergency fund. Yeah, it was. My parents taught me to have a$1 ,000 emergency fund.

29:07But your parents are stupid then. I think that's. Well, they have$1 ,000 per person in their household. That's the stupidest thing I've ever heard in my life. And then I've heard like six months worth of your income. That's correct. Okay. What is anyone going to do with$1 ,000 these days? It's enough to get new tires or fix a broken leg. I wouldn't think about the broken leg. Dude, medical things are everywhere. It's going to depend on your insurance. and what hospital you go to are you in network are you out of network that's not even close to true tire sure is that the only emergency that exists in this world no not even close i think you've been i think you've been through a couple recently have we not yeah yeah they were a little more than a thousand dollars so that's the stupid that more i know i'm being a little harsh that's more for you people listening out there thousand dollars it's not gonna cover i mean honestly so you had to drain your$2 ,000 which is basically nothing.

29:57How do you feel about that? For someone else's emergency. Now someone that you were going to get married to but I didn't feel that bad at the time because I know that he needed it. He's a car person so not having a car kind of broke him a little bit and he was really upset about it. I used to have a Camaro 2018 Camaro before and it got totaled. That was the whole thing with me being a car Like not having a car, I did not like having a car. So you have no money. You don't get to be a car person. It would have been fine if that car had lasted him a long time. But then it died six months later. It died six months later.

30:35And so his parents convinced him to go buy a brand new car. That's what pissed me off. What? He bought a used car with my savings and some money from his dad and the money that we got from the insurance. It broke down six months after he bought it. so we just used all of our savings so what savings my two thousand dollars for a new car no for the used car for the used car you said you got a new car well this is after the total the used one broke down six months after getting it and then he went and bought a brand new car with what uh nothing nothing you have a car debt i have well now i have a car debt there's a car payment in there there's a car payment then the checking account yeah it should be well Oh, you didn't send me the statement for the car, did you?

31:22I did. No. Maybe you didn't. 100 % did. What's this? Oh, it's this, isn't it? Yeah. That's the, yeah. Sorry. Did send it, Caleb. That was a lot. I got you. No, yeah, I, so. What'd you get? What car? The first car that I got that broke down six months. No, no, no, no. What do you have now? I don't care about what happened. What is now? It is a 2022 Chevy Spark. It was the cheapest one that I could actually find that didn't have a high payment. it so basically my mom mostly my mom was really big with the finances in their relationship and my mom and dad's relationship and she was always the one like you know she would finance her thing was to finance a new car always have a new car because it won't break down you have um basically you have insurance on it and stuff and you have like you have to have insurance on car not insurance it's like um warranty warranty you have to have a certain amount of like miles typically well i I mean, we didn't usually take our cars out a lot.

32:18I mean, yeah, we travel, but usually we get... What's the point of... We pay off... Well, my dad's job paid for a lot of our trips, so we didn't have to worry about cars, like spending a lot of money on cars, but we still buy new cars. Oh, and? Well, that's really how I lived life. When do I always buy a new car? Like, if we want to get a new car, we'd either... I think her main thing was you buy the newest car so that it doesn't get old and break down. For how long, though? When do you buy then the newest car after the newest car? They're constantly buying new cars. be really worried you just said they're poor they make it as we cars make americans poor the way they go about it and using that kind of language that you've talked about it's not surprising yeah that's just really how and i honestly kind of thought that you know it's easier to get a new car to be able to take care of it because at least you have the warranty and at least it's not that's where we buttheads the most what i the thought of buying a new car and having to make a payment on it just do you have a payment on a car nope what's your car it's a 2006 chevy trailblazer that thing is a piece of well how many how many miles is on it 200 something and you just had to pump two thousand dollars into it yeah it makes me a bit nervous that's one thing i've told her is that what's the value of that car today you just pumped a lot of money oh i have no idea last i bought it oh two thousand five hundred dollars in a car that might not be worth it it got somebody hit and ran my car in the parking lot and so they totaled it out technically and what kind of insurance did you have on this uh oh it was your dad's i don't know basic coverage okay but they totaled out to just over 5 000 which is twice as much as i bought it for so but you got it from a hand-me-down and it's like i said it's not you might need it it looks like a piece of but it it runs fantastically and it's gonna get me to 300 000 miles i have no doubt you're at 200 uh 230 000 i doubt that but he doubts that he's the car guy

34:20okay he thinks he knows a lot about cars that thing sounds like crap turning it on it sounds i told you to get a toyota not a kia it sounds like you bought a kia and it broke down after six months so okay i made a mistake with the kia okay your car sounds like it squeals it sounds like it's gonna break no it doesn't that's the air conditioner as long as the motor runs and it's functioning it's fine see that's one thing i don't really agree with that i don't care if it's ugly and sounds bad if it's gonna get me from point a to point b without having to spend a bunch of extra money if it sounds like crap i don't trust it because i it worries it worries me well that's just you you're being too particular because i don't want it to just randomly break down like the kia did which that's why you have an emergency fund so you can fix it but anyway all right yeah yeah yeah what was medical debt that is my emergency room trip that was i think that was didn't you just say a thousand dollars would cure a broken leg but you go 1091 52 to for what um i at my old job i passed out in the bathroom um my manager left me there in the bathroom while i was having a panic attack i called uh joe right before i passed out and then he found me in the women's bathroom on the floor and i had to go to the emergency room just to get checked out because he wanted to take me and that's why i quit that job because my manager as he was dragging me out of the restaurant.

35:49If you passed out, it's okay to go to the emergency room. Yeah. As I was, he was, you know, helping me to the car. My manager was like, so you're not going to come back for your shift tonight, are you? No. Well, that sounds like a terrible boss, and I would try to find another job. I did. We did. Well, she did. Now I work at the hospital with him. Looks like you're on a$65 monthly payment plan, potentially? Yeah. Okay. I called in. Is there any interest on this? No. Okay. So that's your debt. That's your debt. And then the first two were yours. and this must be the car. What's the interest rate in this?

36:22Six something. Six point something. Last I checked. I have to ask you if that's correct. Because he doesn't know his numbers. It's his car so I don't know. But you guys are married. I have it under a different bank account that I used to use a lot. And she doesn't have access to that. He bought it through his... Are you on this debt? No. No, she's not. His father co-signed. It's technically me and my father. Gosh, you guys are children. Okay. Because he bought it technically before we were married. Yeah. Oh. Because he bought it in 22 and we got married in 23. Okay. Car. Car Joe. Joe Car. That thing.

37:01Looks like we have$16 ,207.33 of balance. It's the loan payoff. Minimum monthly payment. Daily interest is$3. What's the minimum monthly payment? it's a 326 yeah see oh that plus a city diamond card of 410 dollars man that is up a a third of your income i really shouldn't have crazy and that's before he started working full time started working full time so most of that money did support this because he agreed with the you should buy a new car he both him and my mom have the same idea mostly my mom but my dad That also just agrees with like getting a new car. It's easier to take care of instead of having to worry about an older car.

37:50That was the only reason why I really got it, which I kind of was against it. To appease his parents. He got it to make them happy. I did. Yeah. Okay. I did do it to appease my parents. So that they would stop yelling at him. Again, I don't like drama. I am a mama's boy, basically. Well, you guys just had some drama here a few minutes ago. What is all this? Personal loans. To who? Or from who? Who owes? Who? Okay. Both of us. Family friend. You guys are together on these? Yes. Why did we borrow$1 ,200 from a family friend? Well, they own a furniture store. And we're paying them back for the furniture instead of doing it.

38:28Is there a minimum monthly? No. We're just paying them as we can. We're over our credit card balances, so I doubt we are. And money owed to father-in-law. Who's the father-in-law? Your father or his father? His father. My dad. What do we borrow$800 for? That was for bills. We couldn't. our old apartment screwed us over and made us pay, which I know technically they're legally allowed to do, I guess. We moved out on the 12th, but they still charged us for the entire month. What did the lease say? We looked through it and couldn't find anywhere. We couldn't find it, anything. I don't know where.

39:00They're also trying to charge us a bunch of fees on top. They're trying to charge us$800 for touch-up paint, so we're not getting our deposit back, but we're fighting with them on that right now. Okay. They made us pay for an entire month, and then we We had to pay for the new month at the new place. And then also like all the installation fees on the electric. Yeah, it's called moving. Yeah. So we weren't financially prepared to move, but we did it anyway. Then we probably don't move. Oh, my gosh. Oh, my gosh. For a wedding? You still owe$5 ,000 for your wedding and we're getting a divorce. That was a gift from my parents.

39:38Well, then why does this hit you? Oh, well, we're getting divorced a year after we got married. so I kind of feel obligated to pay them back. It's probably not. They would probably tell me not to. Then if they say not to, don't. If they say not to, then don't. But ask also. Okay. I'm crossing that out for now. Who gets to keep the furniture? Probably me. Probably her. I really. Why? I'm keeping the bed. Well, because we bought a new bed. We bought a new bed and then table. Well, the table is not really for like, it's for all of three of us. Hey, if he wants to. Hablas espanol. Spreys to Deutsch.

40:10Condé nosk. If you used Babbel, you would. Babbel's conversation-based techniques teaches you useful words and phrases to get you speaking quickly about the things you actually talk about in the real world. With lessons handcrafted by over 200 language experts and voiced by real native speakers, Babbel is like having a private tutor in your pocket. Start speaking with Babbel today. Get up to 55 % off your Babbel subscription right now at babbel.com slash Spotify. Spelled B-A-B-B-E-L dot com slash Spotify. Rules and restrictions may apply. Pay me for it when he moves, if he ever moves out, if he wants to pay me for it.

40:42I can't believe this. How much did you guys spend on your wedding? $7 ,000 to$8 ,000. It was a Batman-themed wedding. Her idea. This thing was set up for success since the beginning. As we were getting ready to get married and all that crap, we were trying to think of something to do as the ceremonial type thing. Instead of tying the knot or pouring sand into a jar, I decided that we were going to write letters to each other, like saying like why we love each other and restating our bowels basically and then we got a bottle of wine and we took the letters and the bottle of wine put them into a box and during our wedding ceremony we nailed the box shut and the whole thing was whenever we got into our first fight we would pry the box open read the letters to each other and drink the wine so you pried it open on your wedding night probably um a month after we got married no i was like a few weeks like two weeks he was having uh doubts that i actually loved him which ended in a screaming match and me busting the box open to throw the letter at him she basically almost threw the box at me too because she was pissed why do you think she doesn't love you i'm an emotional wreck whenever i was an emotional wreck at the time i i don't even remember what started that he was just basically it had to probably do something with my why do you love me i'm a mess and i was like it had to probably do something with my mom because my mom was always on my ass about shit and just like complaining if i didn't do this this way and i would always just feel like oh i have to make her happy and it was always back to his mother it was an issue i don't know why say it like that because it's he makes it sound that we both hate my mom in a certain way i've never hated as many people as you guys hate my entire life it's mostly my mom I shouldn't say I hate I shouldn't say I hate it's just she is I hate her that okay I mean fair but she's gonna treat you like absolute then I'm gonna hate her but at the same time it's not technically it's not your problem but and yeah that was the same thing too is he would never let me be a part of his him and his mom's relationship it was always let me deal with my mom let me deal with her because he was afraid that if i stepped up and said something to her that it was going to destroy their relationship coming from a mexican family you want your wife to be chill with your in-laws apparently she didn't like me anyway even though i've never said anything from the beginning you told me she didn't like me that's just after everything was going on like after like the whole situation of me realizing that she's a narcissist and everything.

43:21So once you started acting differently towards her, then she started blaming me for you growing up a little bit. I assume the Mexican family didn't like you because you found salt spicy, but I don't know. Oh, I love salt. She loves salt. She's a little whiny baby on spicy. Pepper? No. Salt? Fantastic. She's a whiny baby with spicy. Okay. And then finally the check-in account. Oh, nevermind. Nope. We've snapped finance the appliance. That was for the washer dryer. What's the minimum on that? It automatically takes$131 out of every paycheck. So. Out of every paycheck? $262 a month. Oh my gosh. What's the interest rate?

44:03If I pay it off by May 7th, which I'm trying to do, there's no interest. If I don't pay it off by. What's the balance currently? Or is that the balance? Was that the purchase price or balance? uh i've made a payment since that statement oh well that's not gonna change much um 1851 93 okay so basically yeah there's may as well not even i'm not even gonna write that down we're still really is this a combined checking is this all of our checking yes oh good we started with ten dollars no we had to borrow money when we're going into debt and we have a higher credit large card balance and is the max limit?

44:43At least we ended with$1 ,200, but we started with$10? You kidding me? That's also kind of why I didn't want to merge bank accounts before we actually got married either, because we merged before we got married. If we didn't, you would be in the red. But at the same time, this is also why I didn't want to, because then it would have messed with you. I'm going to put a wall between you two. We're zelling up money, we're zelling up money, top flight, nor is mexican microsoft some oh 800 cash deposit where'd that come from that was the 800 from father-in-law and the zell payments that was just recently the 44 50 something zell payment is to my dad for my phone and then the five dollars to my dad for my youtube premium crunch mcdonald's potential taquitos microsoft taquitos taquitos atm patrol 250 dollars there's the appliance payment and then taco villa woodmar capital that was the old apartment okay dairy queen more microsoft we're spending a lot with microsoft coca-cola spotify you can listen to ads so we're trying to get out of debt and we can't afford to pay our bills and we have to borrow money from our parents google domains doesn't really make sense who has a domain and why do you for what it's for my graphic arts business that i'm trying to start i'm slowly we both went i'm freelancing school for graphic arts design or graphic design daddy's bug ft lemon in paradise mcdonald's sonic mcdonald's adobe subscription ollie's bargain and there's no the other snap finance payment and venmo payment of 50 out so we disagree on everything but we love to spend money we don't have that's the one thing we can agree on huh face i know it's another interruption but but you can get$5 ,000 by listening to the end of this.

46:34Right now, if you transfer your portfolio to Moo Moo, which I personally use for my individual stock picks, you can get up to$5 ,000. It's literally free money and an amazing investment platform, and it's what I personally use. So check it out in the description below. I highly recommend it. First of all, that phone bill, too much,$20 a month, Helium, Switch, and then your guys' incomes are also too low on an individual basis. If it's, again, a combined household income, we can do things with that, but it's very difficult so if you guys are looking to get into tech i can gift you with a tech certification to course careers just let me know there's a lot of there's a lot of good things i can set you up with what oh the spending okay so the income that came in for the household this doesn't matter because like what are we doing going forward total income that came in luckily for the house uh for the combined household you actually brought in a little more uh like 5 500 but we spent 4 894 first time in a while that people spent less than came in of your spending 43.5 percent went to housing or 2 130 dollars and 32 cents debt payments with 7.3 percent you're spending or 557 dollars and 32 cents transportation 5.6 percent you're spending or 373 dollars 83 cents necessary food also known as the grocery stores 5.2 percent or 207 dollars and 40 cents food going out to eat 4.8 percent higher than the grocery stores or 233 dollars and 16 cents unknown shopping typically amazon walmart we just don't know what was got there 4.9 percent or 241 dollars and two cents medical health care or gym 51 dollars 41 cents subscriptions 1.5 percent or 71 dollars and 38 cents miscellaneous bs stopping getting them taquitos getting them drinks bull 2.7 or 133 dollars and 95 cents other large purchases that don't fit in a category 22.4 or 1094 dollars and 58 cents and those large purchases were atm withdrawals is a big one the lubbock discount uh storage unit or realty which one love a discount oh gosh guys it was 400 come on is that an atm withdrawal i don't know it's it's called love a discount no atm withdrawal was atm withdraw that was the 400 and he sold out a lot of money as well what am i budgeting for what am i budgeting for what is anything you guys aren't together anymore so like what am i budgeting for who am i budgeting for what are we doing well okay where do you want this conversation to go from here what can i do to help i think we just want to get out of debt we just want to get out of debt to individually individually yeah probably yeah okay we're gonna put you through our budgeting program make sure you take it it's the best that's ever been created anywhere uh take it take it no take it individually we're obviously going to gift it to both of you take it it will create a concrete budget but we can create a temporary budget for now this is more because it takes really hours and hours to build a true concrete budget for the first time but we're going to do a idea of a budget when you go through the program you're gonna actually figure out how to stick to a budget and make one

49:50sarah with about two thousand four hundred dollars a month your debt minimum monthly payments are not much 148 dollars what's your portion of rent individually individually be um 498 That is ridiculously cheap. I love it. And water, gas, electric? Gas. We've only gotten one payment so far, but individually would be$32. And water? Water would be... We haven't gotten that for one yet because it's still tied to our electric. I was going to say$10. Renters insurance?

50:33The renewal fee is about to come out, and it's$140. but a year yeah it's 140 a year okay we'll put it as a little 12 and internet 20 gas on an average monthly basis drive drive room room gas 120 and no car payment car insurance yes we're combined right now um if we split it down yeah if we split it down the middle it would be it's 378 together so it'd be like 180 185 189 total paper fun giving you 75 bucks anything else you need to survive necessary food how does that food work in this household how is it planned to work and yes you're actually gonna cook like a big boy for the first time in your life congratulations and same with you like a big girl you're gonna cook okay i will in her defense her and our roommate actually is the one that does cooking i just do the dishes congratulations you Well I mean So what How does the food work at this house?

51:31Um We just split groceries Whatever we need for the house Alright you're allowed to contribute Up to$300 Same with you No more Okay So you can continue doing it that way But you're contributing We're not going out to eat Subscriptions Eh Eh What was your phone total? Uh 44.58 Okay We'll do 45 Okay anything else you need in life your gym are you going to continue paying for it how much and anything medical um besides the medical debt oh uh prescriptions probably like 30 every three months 10 okay all righty anything else i think that's everything enjoy it while you have it because yeah you basically have an extra 900 bucks left on a monthly basis which is awesome so you need 1471 to exist that is your minimum to exist meaning you have an extra 929 left in a monthly basis first month 929 set aside second month the remaining 500 whatever 70 bucks or so is set aside to get you to that 1471 then everything else is thrown at the wells fargo actually it's larger we're going avalanche because there's no interest on the medical so it's going to take so after that first month and then second half or first first half of the second month it's going to take an additional half month and then three months on top of that so it's going to take five months total the wells fargo card is killed and then you have a one month emergency fund then medical debt is killed one month after that so six months and then you're going to save up um one two hundred times oops oh you're going to save up ten thousand dollars for your emergency fund which you already have at that point a thousand four hundred seventy one in there divide that by the nine hundred fifty you have left on a monthly basis at that point and it's going to take another nine months so i say this is a year you're in a quarter you're in a quarter process that's not bad so maybe by the close close to the time that you guys either move out or continue to stay there you'll be debt free and you have a fully funded emergency fund sounds fantastic congratulations i assume a lot of your numbers are going to be the same but let's go through that income certainly is yeah two four hundred rent is the same i'm assuming yes so that is 498 and utilities are split the same way yes but the same way good and your car gas monthly monthly it's like 80 bucks and car insurance is split down the middle 189 189 300 is what you're allowed to contribute to food 75 dollars for your toilet paper to find anything else you need to survive in life jim are you gonna do that same thing yes go to the same job live in the same house go to the same gym prescriptions prescriptions before i'm about to switch but before it was like at least 40 bucks for my medication okay for a month three months a month three months three months yeah my bad for three months oh that's okay all right so 13 bucks subscriptions phone total that is 50 50 50 50 50 and then let's get your debt minimum with your payment season ones that suck because you're the one that's been bullied by the world of death what am i doing yes yeah you're not gonna have as much wiggle room $776.98 it's actually kind of fun seeing people in some of those situations with the one that has more debt you have to see what they have to do to get out of the situation because it takes you a year and a quarter but what is it gonna take you let us find out okay so in order for you to survive 2073.98 on a monthly basis leaving you with 326.02 on a monthly basis it's obviously and then uh and then your debt your debt is a substantially higher balances too i mean just being conservative let's just call it being conservative one month emergency fund plus the 12 month plus getting to the six month emergency fund after that which is 12 000 well you wouldn't need that no your one your emergency fund is going to be similar to hers once you have it paid off so 10 000 so okay 10 000 and then i'm just trying to figure out what the whole process is so one month emergency fund then also the two credit cards plus the uh getting to the 10 000 hours for your fully funded emergency fund you need a total of $35 ,355.41.

56:29Now, this is without interest accruing, but it's also without paying off any of the debt which gets through to minimum monthly payments. So, it's going to meet in the middle. Again, the budgeting program is going to be much more concise, but we don't have that kind of time. It takes hours. It's going to take you 108 months. Or 9 years. Which obviously is not great. So, you have the other side of the issue. Because you got yourself in a lot of debt and you do not have the combined household income to take care of this you haven't gotten yourself in as much debt you could take care of it and you're in a quarter yours is going to take almost a decade you need to add an additional 20 to 30 percent to your hours can you do that at your job can he do that yeah we allow almost endless yeah yeah okay 20 to 30 percent extra you need to bring that gap to where you're bringing it where you have an extra 290 not $229 like she has.

57:24So you need to make up an additional about$500. You make up that extra$500 on a monthly basis and you're both out of this at the same time. And then you can finally just fly off, live your own lives. But that's where we're at in terms of getting out of debt. And then there's the whole investment situation, which how much do you have invested at$22? Nothing. How much do you have invested at$25? Something. Extra, because that's older. Yeah, you don't want to lose the best decade of your compound life uh growth in your life you won't lose as much time as long as you just continue what you're doing you need to increase your but you've already lost time then we're contributing to uh whatever retirement plans we have at work and then we're also yep and then we're maxing out our Roth IRAs and if you have anything individual you can even do you can start throwing things in like individual brokerages and things like Moo Moo that I use and that's where it gets fun and we can have the conversation about that at the time um that's what it's gonna take what do we think what do we think that's a lot better than what i was calculating for myself okay i thought it was gonna take me like three plus years but i don't think i was being as strict as you are in the budgeting area why i don't know i that's probably the subscription part probably that probably is some of it i don't know i also budgeted myself less money for groceries for some reason well you guys have a unique situation i said up to 300 that's what you kept yourself again you're going to go through the program and you're going to detail everything if we did that here we'd be taking all day and no one has time for that yeah so you if again when i it takes a year and a quarter to do this if you have a little bit of fun money in there and it extends it to a year and a half and that gives you a higher chance of actually making it all the way there versus falling off in a year and a quarter that's fine you just don't have room for fun if you do you're working even more okay you you can make something work it's small it's like 100 bucks a month but if that's what gets you there that's what gets you there what do you think kind of what i expected to be honest i wasn't i'm not too shocked about how long it's gonna take but that does i am gonna have to pick up more more hours to be honest do some more making more money well since you guys are a household right now we're gonna give a household financial score but when you're separated then we'll do the individual but for spending in a budget well it certainly wasn't the worst damn you were spending money when you were over a credit card balance which really is gonna weigh it down so i'm actually gonna have to bring it down to a two out of ten debt again combined as a household with the income situation the car's a bit much it is quite difficult that city diamond's pretty crazy i'm gonna call it a three out of ten not Not good, but definitely not the worst by any means.