I’m Not Surprised She’s Single | Financial Audit

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1:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. That's an action I try. No, that's not an action I try. It's somebody that works every day. What's every day? I work Monday through Friday. Oh no, you're an adult. Of course, I'm an adult. Yeah, that's what adults do. They work Monday through Friday. I'm a little hostile. You okay? We're talking about numbers. I'm not the greatest with numbers. I had to leave. Why are you telling my business? now i know what you want the kids to leave so you can be loud okay uh studio booking at least i'm loud with myself okay hey i'll just say it okay never mind hi my name is vanessa i'm 45 years old from san antonio and this is financial audit wow 45 i legitimately thought you were younger so good job on that well thank you lucky so what do you do for a living in san antonio i am an information system tech okay awesome that can make some monies what are you making um right now like a hundred thousand like a hundred thousand yeah so is it a hundred thousand it's like a hundred thousand and two okay a hundred thousand okay cool how do we feel living on san antonio and that san antonio one of the cheaper cities in all of austin or all of texas um well i don't like it but i'm here you don't like san antonio i do not okay why are you in san antonio because my child brought me here okay funny story so i sent them here to san antonio to do a basketball camp they convinced him and he met a girl but he didn't tell me that part so the coaches was like hey you should move to san antonio so you can you know get better looked at for basketball that's the only part he told me but how was the kid he was 16 man we moved for a 16 year old to play basketball 15 year old to play basketball from where well we lived in tennessee i retired from the military oh when did you retire 2018 okay do you get any money from that i'm going retirement check okay cool is that monthly yes how much is that included in the hundred 36 yes okay so that's included in your so the hundreds your total yeah 102 is the total oh gotcha okay cool so wow we moved down for a 15 year old to play basketball more yes and he got a full scholarship to play basketball at college well that's good what college um he was going to ottawa university but he decided to play at okie doke and drop out a few months ago play at okie doke ottawa university oh it's in arizona oh this is so confusing okay so okay how do i in arizona so okay this is what happened so we i retired and my mom passed away in the house and he found him and he was like mom i want to leave and i said fine so we moved to texas because of the basketball thing sure so he became very good at um you know one of the top players in steel and so um his senior year he tours acl and mcl so a lot of his other um scholarships they backed off but the one school that kept him they wanted to give him a scholarship was ottawa university so he graduated from high school yes he graduated from high school and moved down to arizona to play basketball okay interesting and now you're stuck here stuck i'm not why are you here you hate it well because he came back okay all right we'll talk about all that in a bit uh but okay well i feel like there's probably a lot to dive into sounds like nine thousand four hundred twenty one dollars comes in on a monthly basis under your account it looked like but that was total in but it looks like a c uh payroll okay this was a little weird we had ach deposit i'm guessing that's payroll of three thousand eight hundred sixty nine dollars and we had additional payroll maybe this bonus is 1073 and then va deposit 3870 well the one va was for his school so so um being in the military right um he he gets to go to school for free yeah but he's not in school well he was so they pay him to go and so when he didn't go and he left i got a bill and i overpaid that bill and that's what that is okay so how much normally hits your account on a monthly basis say six thousand okay now if i understand that we might have a good thing if i understand this we might have a little good thing here we uh i hear you follow a budget you make a budget you follow it yeah i try that's great how much did you spend so this previous month so this previous month yeah how much went out of your accounts uh almost all over the pay bills so what i do is that six thousand then almost um i i'm not gonna say all six thousand because of course you don't have to pay you know for groceries and gas or whatever well so are you telling me six thousand went out this last month almost yes because you budgeted right yes okay twelve thousand eight hundred sixty four dollars went out this no yep good in all transfers that is how much is left your account twelve thousand mm-hmm 12 ,864 dollars in my account your accounts oh my accounts well yeah and you're only budgeting one account yeah that doesn't make any sense how the fuck would that make any sense well how do we just budget one account well you budget everything well no i do but when you say in 12 there's that's wait 12 000 that's impossible because debt debt debt debt debt debt spending you spend on cards you said spend okay that's that can't be right no okay so i have no i have a book right that i spend every like every week i'm in that bad boy trying to pay off bills right so unless i well i don't actually like well this month was probably no you're right i got an extra um bonus that's right this month i had to think about it because that's not normal because i was like wait a bit that's not right what's not normal so that because normally i only get six thousand and then i got a bonus so i spent a little more this month because i paid off i was trying what was the bonus it was for um no amount amount it was five thousand i think so you would have only spent eleven thousand but you spent twelve thousand eight hundred sixty four dollars i don't i might have could have i doubt it i don't know what do you mean you doubted that's the numbers we have your accounts we went through your accounts that's the numbers then you might be right but i'm not i am right well i don't have it right in front of me so you could be right you could not be but but no i am but if you budgeted

7:29how did you spend a thousand eight hundred dollars more than you brought in i'm not i'm i gotta think about that because i don't remember spending all that you're right i did i did i mean how much do you think you spent going out to eat and other miscellaneous bullshit well so no that one i just remember because i did i had to get the back porch fixed that's what that was i was like wait a minute i mean how much do you think you spent going out to eat and just miscellaneous so going out to eat um i try not to go out to eat all the time i try to i'll tell you right now friday i don't cook so i'm trying to think i don't know friday's my day i don't cook on fridays you're 45 it's your day cook for yourself no i don't have to on fridays is my day well that's interesting looking at your debt i mean that's kind of what a child would say but okay necessarily because i cook every day that's the difference i cook except for except for friday that is the only day i do not cook so i would say me going out unless i'm on the road i don't really spend maybe a month maybe maybe four going out to eat yeah oh okay and that's for not just me that's for like me and my kid or my brother oh sure 1148 oh that's a lot jesus you don't know your numbers you don't budget i do budget no you don't i do however don't accurately budget you don't budget like an actual person who budgets well if i have my book then i would be able to explain everything to you because i write everything down so when i paid my bill we don't need your book i'm about to go through every single line okay but you don't know your numbers i'm not gonna tell you i do it's not i'm not talking about being off by a dollar a few cents a hundred dollars you are off by like seven hundred dollars okay seven hundred dollars what do you mean i'm usually on six thousand comes in seven hundred is a fun but i'm usually on top of all my bills like i said If I have my book, I can just break it down because every time I pay a bill, I check it.

9:21And then every time it come out of my account, I check it to make sure everything is paid. Well, you might hit your payment like rent. That doesn't mean your debt's not getting worse because you're spending on credit cards. For example, let's discuss this. You started your Southwest Rapid Rewards card. How much did you spend on here this previous month? How much did you spend? Jesus, a lot. That one I can tell you a lot. That's a lot. probably let's see maybe four maybe four or five thousand so southwest did i don't think you know your numbers you spent a thousand six hundred fifty two like i don't know where you are in your world of numbers i just i don't think you're informed on your situation well it's not that i'm not okay self-assessed where do you think you are in your financial just life at this moment zero being the worst ever 10 being the best ever where do you think you are self-assessed i'm at a five i'm in the middle right now average you think you're just solid average yeah and we're sitting at a 22 000 23 000 525 dollar balance on a credit card that's accruing 565 dollars and 75 cents a month and and that's solid average good job high five no the reason why that one is so high is because i use that to pay for my grandmother's funeral because nobody else would pay for it and she stayed in the in a freezer for two weeks incorrect the reason it's so high is because you spend a ton of money on things you don't need and you're not paying it off but the reason it may have gotten that high is because of something tragic that you took care of good job for that like okay that responsibility was put on you and you took care of it that's great but you spent over a thousand hours going out to eat let's take a second to talk about something super important did you know that almost half of americans wouldn't be able to cover a one thousand dollar emergency expense.

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11:42You can't cook on Friday because you're a child. Like, I mean, come on. I'm not a child. I just choose. Well, that's an action of a child. You're right. You're not a child. That's an action of a child. No, that's not an action of a child. It's somebody that works every day. And like that day. What's every day? I just got off a mid. So I work Monday through Friday. Oh, no. You're an adult. Of course. I'm an adult. yeah that's what adults do they work monday through friday that's not all people work monday through friday okay so your average adult in the united states of america like are we going to start bragging that we work monday through friday like it's a major sacrifice if it was left up to me i wouldn't work at all however i'm being an adult and i'm working and i'm actually here because i know that my my spending isn't the greatest but like i said i'm not going to sit here and try to tell you that i know all my numbers off the back of my hand because that's why i have a book to to track it and i'm not gonna say i'm perfect with it either but but you can justify going out to eat over a thousand dollars a month because you work five days a week like everyone i'm not gonna sit here and justify i literally no i said i went out because i work five days i do and i at one time i want to do something for myself i just don't want to be able in a kitchen when as soon as i get off friday what i do i come home i take me a shower and i relax like i'm tired so that's the reason why i'm tired too but you know and that's fine i paid off my debt and that's what i'm doing it's just taking a little longer it's a little longer because i mean you put a payment of a thousand four hundred twenty two dollars towards this then you purchase a thousand six hundred fifty two that's not paying off that that's that going up that's that going up that's you that's not funeral expense that's you not paying off a card because you're not willing to sacrifice oh that's not true it legitimately is you spent two hundred and more dollars than you made then you put towards it and then it accrued 565 dollars the the the numbers on this card went up 800 even though you put a thousand four hundred dollars towards it so what do you mean that's not true that's objectively true it's right there it's numbers numbers don't lie tell me the lie in the number i'm looking for it you're a little hostile you okay we're talking about numbers i'm not the greatest with numbers however i have a demonstration i mean you i mean that's cool like i said it's not like it would be another thing if i was in here saying well you know but no but like i said i already told you i don't make the best choices sometimes i said but however right now like i literally faxed or pay my bills off me if you just said i don't make the best numbers that's that but you said no i'm making progress towards my debt oh i can go and spend a thousand one hundred dollars because i work five days a week oh this card's high because i had to take care of a funeral expense it's because you're not sacrificing it's because you're putting more money on this okay let's see what you spent your money on let's see what let's see what i went to oh good oh good we're getting a car wash a car wash very very necessary wait a car wash go car wash 20 go car wash so hold on because i don't even go to the car wash i wash my own car so i'm glad you pointed that out because i'm gonna tell you i'm gonna be honest i don't look at the statements i just pay it so i'm glad you pointed it out how do you budget if you don't look at a statement because no when i when i mean look at the statement like i don't go like you're doing now going through each little i'm trying action i look at the balance no i look at the balance right so so what you just told me was like i have to be careful because i don't put my cards up i put them in a drawer so i have to make i have to check that one like on the real i'm glad you showed me that one because that means that somebody in my house got my card and did a car wash this is why we look at statements okay well you're right you are absolutely correct you are absolutely just like every guest that comes on the show we're going to give you access to our budgeting program that teaches you how to go through all this how to look at it how to build out a budget and actually budget take advantage of that you can also do the investing one as well uh now that's all bundled at a lower price with a hundred dollars in cash rewards to your first investments thank to mo thanks to muumuu as well so that's pretty cool he also got tanks pizza and Dutch Boy Cleaners.

15:45And Beer, Wine, Liquor. Zaxby's, Beer, Wine, Liquor. American Airlines. American Airlines. Where are we going? We're putting this all on a card. $500 on a card that is only this high because it's a funeral. No, it's because we're getting$500 plane tickets. And almost$100 going to Timu. We're keeping a credit card balance that high for Timu? Oh yeah, I like Timu. Really? I've never heard anyone say that, but... I do. Okay. Okay. Okay. so it wasn't the funeral funeral wasn't on here there was no funeral well the funeral was on it's not on there this month it was on last month and you're right a lot of it i did last month i'm not gonna lie i mean however but i did i am like i said i have it planned out too because i didn't realize that that apr was that damn high how high it's 28 yes okay well you do know that that's good two thousand three hundred twenty one dollars in interest accrued this year so far just on this that's that is that's why it's insane guess what that card got cut up when i seen that i was like holy close all your accounts i would use the fizz card so i got a question right because i was gonna do that right and they said that you shouldn't close the cards because it messes it drops your credit um score so what i did was i cut that up oops excuse me i cut it up and i'm just gonna pay it off the thing with cutting it up is it can still save on online accounts oftentimes maybe not for you it can still be in your apple wallet for apple pay maybe not for you but you can also just get a replacement with a push of a button so usually people that just cannot control their spending usually for them the best course is to close their account so you just can't have access to it you're right it will hurt your credit that being said what are we using our credit for usually for most people they're saying because their end goal is to get a house i already know you have a house so what do you want your credit score high for what is your purpose of having a good credit score in your life because i already have one and plus i don't plan on staying here eventually i'm gonna leave i just don't know where to get a new house somewhere somewhere because i i feel like renting is a waste of money right why am i gonna kind of right now it actually makes more sense technically well no because now rent like rent now it's like for the house that i have they're renting at 3600 a month no no compared to when you buy bought you're right but if you were to buy now versus right now rent makes more sense right that's why that's why i'm still here to be honest with you that's the only reason why i'm still here because i know for a fact that i would never see a 2.2 apr for a house yeah so that's the me i mean i'm gonna be honest that's the only reason why i'm still here and i don't know where i want to go anyway yeah something dramatic would have to happen in our lifetimes for that already happened to me so exactly so you already have it it's hard to well yeah everything that hopefully never nothing else more but yeah but yeah so i cut it up um and the thing is is i don't have to have it like i said because now I'm like on it of trying to because of some fact is I have a goal for the next four and a half years and the goal is to quit working we I don't think you understand your debt situation I appreciate the no that's my goal government well that's great but it might be unreasonable wait how many years 21 oh in 21 years no in five years i'm a retirement oh well 21 years sounded reasonable uh five years i don't know i the that government pension that you're getting for your time serving that helps your debt is so substantial i don't think you understand it you're not making any progress on it no actually i if you look at the book if you look at my numbers i am together right from what you're looking at there is a plan that i already have to how to pay them off okay what is the plan so what i realized is right like you pay off the the the ones that have the higher interest rates because if you're avalanching exactly except you're not because you put more money towards this than you paid it off and it's a 30 interest so that's a lie okay well for right now that's what you're seeing right now this is last night as in literally what's happening right well like i said when you said when i sat down because you have your day to yourself your special little day because you work five days a week that's not gonna change regardless i'm gonna have my one day but i am going to cool then you won't return five years well i will i mean the planet i have i mean because i won't need that i won't have that anymore because like i said i cut that one up i actually enough does not pay it off well no i'm paying also doesn't prevent you from getting a new one well it does when you're having goals so i'm a person that i'm straight with goals goals are great usually you sacrifice to get goals and you're not even willing to sacrifice your one little because i feel like here's the thing because now once i get rid of the people that's in my house whatever i feel like if i spend what ten dollars on a on a salad on friday it's not gonna hurt me because that's literally that's what i my my meal is because i don't really eat a lot on thursdays you often spend over 80 on door dashing yeah so what the are you talking about well door dashing that's because that's not me and i had to cut i cut door dash off because i realized that my son was like hey i don't want to eat this and i was like well you ain't gonna eat so i learned that i have to he's 20 is this the one that went to college and dropped out yes and i was like yeah and i was like yeah you're got to go and so we had this discussion that you have four choices either you go back to school and you do your get together or you join the military or you go to trade school or you go and get the out and sleep in your car i don't care which one did you choose trade school trade school's good yeah and then and then my other little brother he's about to go wednesday to go take his ad back yeah i've had is he living with you yeah oh okay so like adopted type situation yeah oh okay sure yeah gotcha and and go on so he's about to join the military so a lot of my extra expensive and have to deal with other folks will be gone um but like i said it was a lot that you know having i don't know it was just never i've never been the one to do my kid my parents that way or i was by myself so to use their credit card without asking well you let me use it once so i thought it was okay so the door dash they do that every day every week yeah and i because i was like i'm cooking why why am i cooking and ain't nobody eating how long have you allowed that well i didn't even really i didn't really like i told you i really didn't pay attention until recently well and that's why i'm saying when when i realized that i was like well damn like i'm paying all this money to pay it off but the balance isn't going anywhere so then i was like that's when i realized that the apr was and then i was like but damn i'm gonna be paying forever if i'm just paying this much thinking i'm paying over when the balance was the reason why was because it was actually more added on to it now the 500 plan ticket yes i did buy that i did um so the thing is is like i have to do better with looking at my statements like i need to start looking at my actual pay stubs because i wasn't i was not looking at that either okay i wasn't so then you were not budgeting okay well i'm not that's okay so when you say so you take it as me not budgeting when i say yeah i look at the number i write my number down okay this is what my net pay is that's what i look i didn't look at like okay because fika is ripping my ass straight like eight nine eight hundred dollars a month that they taking out my check i'm like what the who so one of the like FICA.

23:06No, FICA. Okay. So I'm like, Jesus. So that's why like, I didn't really, never really paid attention because you know, you work, you be like, okay, this is how much I'm supposed to bring home. But then you actually look at the breakdown and that's one thing I would, I hadn't, I have never really done that. Like I've been working since I was 13. I didn't have anybody tell me like, hey, you need to look at this and you need to look at this or you need to do this. I'm figuring this out on my own, you know. Most of us do. I mean, that's usually how it goes. But most of us do. But like now I try like now seeing that having a kid and I'm like, yo, you need to start saving your money.

23:39You need to start doing this. And then you look up and like, what the hell? What is this? You know, if he needs an audit, let us know. We are taking applications for people who want to come on. If you have interesting situations, interesting stories, any opinions you need to be challenged. Go to Calebhammer dot com slash apply. And I will definitely let them know. But no. So and the thing is, is I'm always willing for advice. Right. Because I feel like if that's good is that no one knows everything. Right. And so at the end of the day that your way may be a little better than mine or there may be something that you suggest that my way makes progress on that.

24:13I mean, I'm not denying you or denying you. I'm saying your way might be better than mine or some of your techniques might actually better be better than mine. I'm an open book to open things. however when there are certain things that i'm going to stick with i'm going to stick with but why that doesn't make sense why be stubborn why i'm old that's why old people are stubborn so look like mid-20s so just like i mean thank you maybe have a little mentality that you know it's like i i don't know like let's not use that as an excuse that doesn't make sense i if you're going into a situation trying to change goals trying to change things being stubborn on certain things is pointless this is but one thing anything but one thing i'm sure there's if this we heard that one thing like 30 seconds in i bet that's the peak of a iceberg you know like so i don't know but you haven't asked about anything else but i made one statement we'll go through we'll see okay we'll go see and if it fits in the budget it fits in the budget if you have enough room for it to fit in the budget i'll put it in but if you only have like a few hundred dollars to spare it's like we just can't do it right now if you guys use my Moomoo link in the description below.

25:17You can literally get 8 % on your money that's sitting in there for three months. It's absolutely incredible. Plus, you'll get 15 free stocks just for signing up with my link. This is literally free money, so make sure you're taking advantage of it now. There is no reason not to. Sign up now. Link in the description below. All right, Citi Double Cash card. And I like this card, but - I don't. It's another - Oh yeah, you were done with it. okay it's another high apr yeah because you're not a credit card person oh that's why i'm getting that's why i cut that one up too okay it's at eight thousand one hundred twenty four dollars you did not spend on this right so you put your payment towards it hundred and seventy six dollars of interest accrued okay so that one let me tell you what happened that one you may not want to hear or even say i went to dubai for my birthday and they lost like right now like this year yeah So I go every year to go jump out of airplanes.

26:15Now, let me finish. So I had no intention on using it at all. The airline lost me and my son back. We didn't have our bags for the whole week and two weeks afterwards. So I used this one to get clothes and stuff. And they said that they were going to reimburse me. Well, look what happened. They didn't. So now I'm paying it back. But how are we going to do buy regardless? Regardless of that situation, that doesn't make sense. you're in so much because i plan you want to retire in five years go on the vacations and when you retire you're just i don't know you just you have you're one of those people that has a goal that requires sacrifice and refuses to make any of the sacrifices it looks like what is your retirement account at today my investment yes um i don't know because i haven't looked at it i just started this new job so i couldn't tell you to be honest with you i don't how do you plan to retire in five years how do you plan to have an income i plan on paying my bills off and that's it yeah you need money in retirement i know that by the time five years i'll have money in retirement how much i don't know i have to look like this isn't a plan well no it's not you don't have a number well i know my number well i'm sure you do but i mean what's your number that you need to hit to hit to retire yes i don't know yet what are you trying to because i plan on living on an island and that's it that's it what oh how much money do you need a year for this lifestyle on the island i'll probably be good with what three thousand a month

27:51that's just that's a big well how much are you getting again a uh a month for from the retirement from the military 30 is it 37 38 i think 38 37 something or close to 38 you really think you could just live off of three thousand hours a month forever on this mythical island yeah island life is usually a little bit more expensive unless you're going somewhere not so safe well nowhere safe but that's not true where tell me where it's safe at uh it's safe right here you are lying to tell i promise you that that it's not safe right here it's not so everybody thinks america is safe so the difference between america and other countries is that other countries we feel like they're oh so bad they're fighting for power and all the other stuff we're in america killing each other just because honestly and i've been to a whole lot of different countries so yeah but austin in general is a safe i don't know nothing about austin that's fine i'm so confused okay so where are you going that's going to be this cheap island paradise that is safe i mean so wood island it would be the island off of what is it called uh it's a small really small island um in the caribbeans it's called uh it starts with a t let me think on it because i can't remember exactly the name of it right now but i've been doing some research with it i appreciate the dream it seems to be very much a dream so in five is it trinidad and tobago i think yeah okay median home price of a home there is nine hundred thousand dollars i don't need a home it's just me so where are you living in an apartment yes okay how many rooms one you're looking at you know upwards of like 900 bucks i'm out there depends where which that's honestly not horrendous compared to the obviously the home price i don't know how the apartments are i'm actually looking at these pictures oh even the a thousand dollar a month one looks horrendous whatever i don't know how how much have you really looked into this it's like you you have this plan to live on an island that you didn't even know the name of and you don't know what your number is that's required to live.

30:12I just couldn't remember it. But you don't know what your number is because are you suggesting that this 3 ,000 whatever a month is going to sustain you forever? I ain't going to say forever, but right now... So you're going to have to go back to work eventually? No, I ain't going to have to go back to work. So... What? What is that? Okay, so here's the thing, right? I don't have to go back to work, but the thing is is you can always find own businesses or whatever. So the other... Oh, casually. Yes. Let's just start a successful business. If we need a little extra income. I mean. Just casually.

30:46What? I'm just saying. This is becoming more of a pipe dream. No, it's not a pipe dream. But also my goal. But you can't answer the question. No, my goal. Because I kind of don't want the world to know just yet what my plans are. Just give me numbers. This is a numbers show. I'll say like this, right? the numbers show I say for me to live off of maybe I'm not a very materialistic person so 100 ,000 a year maybe yeah we'll say that we'll say a year 100 ,000 hours a year I can start doing some math and I'm dividing that by 12 subtracting 3 ,800 is what you get a month so you need $4 ,533 a month and 33 cents.

31:37That is$54 ,399 a year before or after any taxes. Okay. So for that, you need$1.4 million. I don't need that much. That's a lot of money. No, that's how you generate that amount of money a year without you losing it using the 4 % rule. how close are you to 1.4 million? Not close. In investments, okay. Not close. You're going to get there in five years? Mathematically? No. Anything's possible. Okay, so we just don't live in the real world. Gotcha. Well, now at least I know for this conversation. But no, anything was possible. Like I said, say for instance, if I went and took a job overseas, right?

32:25That's tax-free. I can, then I won't be wasted. There in Trinidad and Debeo? We're not even talking about that. that's you we talking about five years i'm saying if i was to stop now and go get a job overseas right where just say iraq or afghanistan yes so don't don't judge me now if i do that right tax free money right so that means sure but what's the median income so just what are you asking what my pay would be yes okay so depending on where it could be any range from 150 to 200 000 a year okay so this is some like uh like government stuff so it's me going over there to work so so then you have tax free right so then you have to you don't have to worry about the gas are you planning to do that yes when it'll come what about the kid okay the and the kid is how what say it again what about that he's wrong that is true he's wrong that's true that's true and i I support that.

33:24That's fair. How old is the younger brother? 26. Oh, also grown. Yeah, so grown people. Okay,$257 minimum monthly payment on that. Again, no purchases on the city, double cash. Oh, you've accumulated so much debt. You might have to do that overseas thing because this is insane what you have here.

33:46And honestly, you're making more money. I don't know if that fixes your situation because you've been making good money. and you're in this situation so like without the behavior being changed it's i've been working this job for since how much were you making before that then a whole lot less how much um 70 000 nope yeah 70. okay it's like the median household income in austin so all alone so how did you end up like this is this is all before so this is me now that i got this job now i'm trying to like make over payments pay all this stuff down not so if you've not looked at the other one notice i haven't used that one at all because i've been trying to pay yeah we went over one out of two one the balance went up the other one the balance barely went down then that's what i'm saying so i'm trying to figure out like i'm paying on one card at a time to pay off faster oh where was that card because i have not seen that pay at one card at a time you put 50 more towards the second card than the minimum monthly was required for your income and for your debt situation that is basically nothing i mean okay and like i said so that's your big plan an extra 50 hours a month no so my extra plan is to try to make like a thousand dollar payments a month for the card wonderful plan why is it not happening it is now i mean i i just i made my my big plan payment two days ago okay so you did one right but judging on the entirety of your picture it's like okay i'm going on a finance show i'm gonna do this big thing well now this is way before your financial show you said you just did it right because i just got the um the money that's why so this doesn't have anything to do okay so this doesn't have a picture shows that your behavior is bad you got into this debt you haven't been putting money towards it your debt has only gotten worse and then you made one good thing because it's like me having one day of not eating and saying i'm on a diet well i'm never gonna be on a diet but my thing is is what i'm saying is is i think everything happened for a reason right because before i came before i came on this show like i was like okay i need to figure out something whatever so then boom i got this this money and i was like i'm not gonna waste it on the bonus yeah i'm not gonna wait no i got i got it on something else um can you tell me no um okay so so it's not even so no no no it's extra so that didn't even counts but because it's not even earned income right well what i'm saying though you're not not even starting but i could have only because you got extra not from your actual budgeting hundred thousand dollars a year so if you ask me now how how what am i going to pay on now what i'm saying was was i could have took that money and blew it right but no i was like you know what this is i'm going to start i'm going to go to this financial um um class um show yeah learn how to do something else a different way but as it is it's a it's a baby step right so now if i like you said what the baby step they'll get it it's okay Dave Ramsey oh I know who that is so what I'm yeah so what I'm saying is is that yeah I might have back then but like a week ago okay okay I'm moving on I don't need to hear this I'm sorry you gotta give me a little tiny bit of credit I know You got extra money so you put it towards your debt.

37:06You're not doing it within your own budget. It means unless you get another big pool of money that comes in from whatever source, that means according to that, you don't make any progress. Well, no, because now we're talking now like now. Right now, right? So I can sit here and say what I could have done. $1 ,800 more than you brought in after a bonus. This last month. So where are we going to do to fix it? How about that? Huh? Where are we going to do to fix it? I got to get through your finances first and then we talk about that. because you got five gray hairs just by talking to me. You're probably going to get five more so keep going.

37:44I'm going to eat my tongue first. I'm giving you heartburn and stomach. You got gas? Not gas, just acidic. Okay. Loan them out. Remaining$9 ,314. with the$615 minimum monthly payment these minimum monthly payments are stacking like crazy we're at like a thousand seven hundred dollars in minimum monthly payments and we've barely even touched all your debts this is a 16 interest why do you have why did you take out 17 500 at 17 interest why why what is happening because i had to replace my roof okay what happened during in your roof um in san antonio yeah weather here in texas well what about your home insurance oh well they were like oh well we're only gonna put what what did they say a thousand on your i said what i said it was i said that's a thorn what am i supposed to do i didn't i i didn't know i was also told that i could have used fema but i didn't know i didn't know about that well i don't know about that one specifically but people get borderline free roofs and that's exactly what i thought right but they were saying and that's when i got rid of geico and that's why i have usa i don't know i would have talked to someone that may have been able to help you on a legal front well i didn't know so i didn't i didn't know like i based i paid a thousand dollars for a brand new roof on my first house after a hail storm i was like oh no guys it hailed well well that probably was because you did it right afterwards right but i didn't know that my when you do it oh so i mean i'm not like i get on my roof and see it what happened was um shingles started falling and i was like what the and they said oh well it's been too long since the storm i was like well how am i but you made so much money i'm so like you had to take out 17 500 is insane for your situation though and more insane is okay maybe you had to take it out at that moment because you didn't have like an emergency fund by the way we have emergency funds for these kind of things uh fun fact we can talk about that more but either way it still shouldn't exist what happens when you have a loan at 15.99 interest rate or a credit card at 30 interest rate we sacrifice everything until they're gone and we have a fully funded emergency when they cover the next roof thing when the next thing that hits like that's basic sacrifice so that you're in some kind of any place of security you have an incredibly blessed situation of this monthly reoccurring thing from the retirement it's it's awesome and it's through the service you paid i mean don't get me wrong you worked for it but that's coming in like i would just be living off my absolute minimums get rid of my debt have a six-month emergency fund then ball out like crazy and that's the goal that's but that's the goal but you've done absolutely none of it a goal without actions is you well now we're doing actions so that's what we're doing no you had a little bit of extra money come in and you put it towards it it wasn't from your budgeting it wasn't from behavioral changes it wasn't from sacrifice it wasn't through anything you intentionally did you got extra money and i paid a bill where i could have just blew it off or went to...

40:46You're right. You could have been worse. Right. And I'm... So give me... But I'm not going to celebrate... I know you're not. ...being slightly better than... Well, and that's fine. So let's keep going. Trust me. I will. I am. You've paid$2 ,000 in this year so far in interest on this. The last one on the city double cash. I can't see. Oh, wait. $836. So we've paid... What? What are we at? $7 ,000 in interest so far this year? Seven? Close. Five? Seven? Something like that? I don't remember what the first card was. That's just insanity itself. Harley Davidson. Do you have a motorcycle? I sure do.

41:27Okay. You have a car on top of it? I have a truck. It's paid off. The motorcycle is a want then. I'm so confused why we need this when we have all this horrendous debt. So the motorcycle was before I had all the debt. Before I had all the debt. Because the motorcycle actually was a whole lot more than that. Yeah, it was before I had all this debt. How much was it? It's 48. It's a nice motorcycle? Yes, because I ride it everywhere. My truck is 10 years old, and I'm trying to keep my truck until the wheels fall off because that's the last thing I have with my dad. So I don't want to drive that every day.

42:06And I work 45 minutes. So we get something for$50 ,000? Like get a$10 ,000 car. Why? I save money on gas. So you can afford it? i save money on gas dude that is not making up the extra forty thousand dollars i don't even owe forty thousand dollars on it no no no no no between the fifty thousand dollar purchase of this and a ten thousand hour car that you could have gotten should have gotten according to your financial situation wait what car you know nowadays is ten thousand what car i don't do used cars because let me tell you why oh well there you go that's why it's because you don't do well no because here's the thing right you go to a used car dealership and they say they certified right however no i never trust that you get a slip to be able to take it to a mechanic could trust a mechanic well i don't know any mechanics and i don't and it's different when women do it because men try to get over because i i promise you when out my truck um and uh transmission went out they were trying to rate me with ten thousand dollars for an uh a used transmission i was like what but then i went and got my cousin and had him go and they knocked it down to seven thousand yeah that's an actual real thing so i mean sometimes we have to just bring i mean that sucks but sometimes just like bring your cousin you know but what if i didn't have that you see what i'm saying okay but you do no i actually he still happened was here business and it was you have your son you have your brother they are men you brought up that they're men okay well you're you're scary they're kids you can you could you could beat them up i mean that's besides why i try not to be that way but anyway um so i got that because i drive everywhere with that um well i get that but she spent 50 000 hours and sometimes we don't have a new car is one of the worst purchases you can make financially ever because it goes down in value almost immediately headed off the lot especially heading back into a more normalized car market recently i mean everything because like a used car i used car is more than a brand new car have you looked well it depends on what you're getting if you're you can buy anecdotal a kia i oh i thought you said ikea what do you mean ikea so you look at a key if you went to a certain Kia dealership maybe but there's also private market there's Craigslist I'm not saying this is the easiest thing in the world trust me don't get me wrong I know I'm using lots of broad things because you know what we have like an hour and a half and it's going through all this like we could spend a whole week nine hours a day you're getting a headache and you get more gray hairs yeah exactly but in general it's the work you put into it is how you get the reward that you desire If you're putting in, you know, hours and hours a week looking for used cars on private sale and through car dealerships, you get the slip, you take it to a mechanic, and maybe you don't have that relationship yet, but you use the resources that you have, the people that you have, and you just make sure that it will get you safely around for years to come without putting substantial money into it.

44:52and then you get the car check the value across multiple websites so you're not getting swindled and yes you can find used cars it's not a two thousand dollar used car market anymore it's not a five thousand dollar used car market anymore but it is a ten thousand dollar used car market 10 to 15 it is you didn't have to get a 50 000 motorcycle so that you didn't but it was close to it so well then it's the same things though yeah 10 to 15 000 hours versus almost 50 has a massive gap okay so let's move on no that's you no what do you think you i feel like you look at that you look at it and it's just like like no because you're getting frustrated with me wait because you're getting frustrated with me and like everyone well and that's the thing like i don't need you to get frustrated with me i because i'm i'm i'm here and i want to hear what your advice is but i don't want you to sit here and get frustrated and like i think i I just gave like the most tame five minute speech I've ever given.

45:51And you were like, let's just move on. That means it just went. No. It just bounced off like I was playing ping pong against the wall. It's not that it bounced off. It's a point that like I'm not buying anything else because the goal here is, and you don't want to listen, that I am trying to pay off these bills. That's why I have not bought anything. I'm not going anywhere. Like I am really focused. That is not reflected in your statements. And the only reason that can be is because you literally have just done that. and if you are just doing it that means nothing because anyone can diet for a couple weeks that doesn't matter right if you're dieting for multiple months going to the gym for multiple months that's when i'm like yeah anyone can uh cut spending and pay off a little bit more debt for a couple weeks so bring me back to your show just bring me back to your show at the end of the month i mean the end of the year excuse me the end of the year and see and see the difference i'd be happy to no i just want that's what i'm saying bring me back at the end of the year because right now you have this picture of me right oh you just you don't care you just in the numbers right and here's the thing and your reaction and the thing was was this is yeah it just because it seemed like oh well you came on the show and now you're trying to know it was the simple fact that i was i was actually like wow this is some that i just said okay i actually sat down and was like this is what i need to do i need to change this this and that and then i get this call to come on here which it all coincides so everything i'm telling you for you right now it doesn't matter because it doesn't show however i can sit here and talk to you blue right i'm a person that actually speak louder than words that's what i'm saying agreed right so i say i'm talking about your actions right and so i'm saying talk about my actions now fine but by the end of the year bring me back and then see i'm happy to come on our follow-up channel it's it's blowing up people love it that's right so i wasn't blowing your your ten thousand dollar car off i believe you however i'm not gonna go out and buy one because then you'll be like well what the you're just talking about you're trying to pay off your bills you went and go bought a ten thousand car necessarily not necessarily there are lots of situations well instead of assuming how about you ask because there are lots of situations where someone has they're close enough in their equity position in their car to the value of their car but if the balance is so high where it's a stupid to put in their debt payoff journey that it makes sense to trade it in borrow the difference and then borrow enough for a ten thousand dollar car sometimes that makes sense because you can bring down a loan from like forty thousand dollars thirty thousand dollars what car would you want me to I don't know.

48:08So, well, no, no, no, no. That's an example. That's an example. For your situation, it might not make sense. I don't know what the motorcycle, what's the motorcycle worth? Do you know? It's worth a lot because it had work done on to it. Did we check? So, yes. Okay, we don't have the vent, so we didn't check. I wish, I would have gave it to you. I didn't know y 'all needed it. It's okay, no worries. But it's owed$19 ,482.60. Do you have it by chance? okay can you shoot it over to him real quick can i get up oh is it out there oh yeah go for it and well he checks that we'll continue so talking about you got you got the bike to save money on gas how much you spend on gas this uh previous month this most recent month across everything to save money on it um i don't know uh i don't know because i didn't um I wasn't able to ride a lot this month because I had surgery.

49:09So on a normal basis, though, when I'm riding my truck, I'm usually putting anywhere from like 100 to like 100 like every like four days because I work 45 minutes. The truck? Yeah. So you do drive the truck? Only because I had surgery. But normally when I haven't had surgery, i'm like it only costs like 15 to fill the tank up how often do you fill um maybe like fast fill up on monday i don't have to fill up again it's like sunday okay you spent 637 on gas that's the truck but normally normally like i say i ride my bike everywhere because it does save a lot because well again i mean you got a 45 000 motorcycle for it with a 660 minimum payment what's the interest rate on this um i think six okay it's not horrendous with depreciation and everything maintenance all that good stuff gas car insurance the payment it's definitely not keeping up with the overall market in terms of our value of money so it's still probably a payoff early type situation but it's not like a we will we will emergency and it fits in your income now that it's at twenty thousand dollars it was a bit aggressive probably when you got it okay well keep going what is this is this is this another personal loan no that's the same that when you said about the city that's the new the new oh so it went down so i want to look at you i was like that is not right oh it went down two hundred dollars okay okay so city revise it down from eight thousand one hundred twenty four dollars and one cent to$7 ,981.91.

50:51Congratulations. Your debt went down$200. Out of all the extra-ness, yes, I understand. Out of a total of$480 ,000 a debt. Oh, so which is the mortgage? Mortgage. Talk about that right now. Okay, yes. So this is incredible. Delicious. Wonderful. Absolutely love it. $370 ,000.

51:18$56.07 is the mortgage at a 2.25 % interest. Love it. $1 ,869.79 a month. Love it, love it, love it. Cool.

51:36Not much to complain about there. How are you just going to throw it on the floor, though? It was meant to go right there. It slid. this i do have to complain about yeah i i will too you got a home improvement loan yeah at seven percent what did you even get better put value into the home i put up pooling okay so the thing that doesn't put value into in home and actually makes it harder to sell ever had your pet rack up a hefty vet bill it's the absolute worst one surprise visit can cost more than you'd think and those taquitos don't pay for themselves don't stress pet insurance can save the day whether you have a furry or scaly friend, covering those unexpected expenses is a no-brainer.

52:17That's why I've partnered with money.com to make a list of the top five pet insurance companies. For example, I like the company Spot, but any of these on their list would be a great choice. Trust me, it's way cheaper to buy pet insurance than to have to pay for an emergency surgery or a random vet visit. For example, last year, one of my new puppies ate something and got stuck in her stomach and we had to cut her open at the emergency vet to get it out to save her life. This cost me thousands of dollars, but thanks to pet insurance, it only cost me a few hundred. So click the link below to get started.

52:49It'll have some awesome information on each of the companies with a direct link to the company where you'll have to fill out just a short form. And then trust me, your wallet and your pet will thank you. Don't wait for another surprise bill. Get covered today. Yeah, and that one I would agree on you because that one it was just a, oh my god i always wanted one and now i'm like god why why would i why would i done it i mean if i could go back if anything i can go back i will go back on that one i would be honest with you i wouldn't have got it period blank because nobody use it i'm not home at enough to do it and the kid i thought he would get out in it because he asked for it and he don't even get in it didn't even get in there i should say but i that would be one thing that i regret so i don't think he understands the value of it i mean he's probably getting his use out of it but it's just like $49 ,000?

53:37No. He didn't get used out of it, trust me. Okay. And the payment on this, but again, it's a stack it up for a minimum monthly payment. So it's at 7 % basically. $372. And it's at$50 ,000. It's crazy. For the bike, we need the year make model mileage. It's a Roguelite special at 2020. It has

54:06round i'm thinking uh 20 000 all right and the condition like new uh like new i think it's 20 it might be a little more how long have you had this pull on um three years what was it at the beginning because it's a 50 now oh three what year is this 2024 so i'm sorry 20 i moved in this house 2020 i had to think when i'm okay yeah how much was it it was 50 right it's at 50 56 56 dude it's a 49 740 dollars what was it i think it was 56 56 or 58 so this is all going to interest okay yeah it's gonna bell curve that so i have to agree with you on that one that was a piss board choice it was is there anything you don't agree with me here on everything i've said is very reasonable i don't agree with you on my bike what did i say that you don't agree with on the bike oh you could have bought a ten thousand dollar car yes you could have while you were getting out of debt i get a i wasn't in debt when i got my bike did you have a fully funded emergency fund i did six months of living expenses all saved up on the side i didn't have a story it was it was and it was a bad decision what happened um i moved and i got back with my ex and he was like well we need a bigger house because i have all these cars blah blah blah and i was like fine and then it was well you know it's it's gonna be yours so what did i do i tried to make him feel like it was here so i got rid of a lot of stuff so he can put his stuff in to kind of build together well that didn't work so niggas will say we ain't together and niggas will say that i should have just stay where the f*** I was at and not worry about it and how'd that get you into debt and because I I had a house yeah and then I only had the house for like seven months oh so you yeah with like the fees and everything you definitely had a loss right and then you let your boyfriend that you got back together with convince you to sell a home after you just got it and get a new one we were we together for like five years and so man so it was yeah we're gonna do this for real and blah blah blah and yeah i knew it i was like should have felt good with my gutta instincts but anyway that's on me that's the choice that i made because i thought that it was gonna go somewhere i might sell your bike nope not gonna do it so you're not willing to sacrifice just that that's remember when you said it was just the eating out now it's just that there's gonna be lots of just no no so the only thing i will not like bend on is like i told you my truck my truck is the only thing i left for my dad the bike so i'm not gonna well people who don't bend and sacrifice don't get anywhere i sacrifice you're not gonna get i do you it's just a story behind some of the things like i can okay i can get over the friday thing yes but those two things you need to get to 1.4 million dollars in retirement in five years what do you have what do you think you have well i'm i'm not nowhere close to that i can tell you that but That's why I was saying that.

57:13Then you're never going to get there. That's a dream. It's a pipe dream because you're never going to get there because you're not willing to sacrifice anything. The fact is. I'm willing to sacrifice to leave America and go and work overseas to get there. That part's great. So that's what I plan on doing. Will you need your bike there? Of course. That's all I'm going to take with me. I'm not going to take my truck. Listen, this is what I would do personally. As someone who also enjoys fun toys, not bikes and motorcycles, but I do have my own fun things. I'm sure you got an$80 ,000,$90 ,000 car.

57:39Huh? I'm sure you got an$80 ,000,$90 ,000 car. oh no you got video games right video games yeah yeah so so that's why you're here my thumb hurts as i was playing so many so college football video game as i have a nice house i have a nice house what i say is for my bike is it's mental for me it's um the trauma that i went through losing my dad that's why i have my bike i got my dad started riding his bike i traded his bike in for that one because it was too emotional well okay here's what i was gonna say about the bike and the toys and what i would do with toys right um that's not a toy for me though okay but by all technical sense it's a toy and if we're just talking finances i i get it uh but this also wasn't the one that he drove so and i explain why okay so let me explain what i would do as someone who enjoys toy let's pretend like this is the toy that i like because you actually have 10 000 dollars equity into it because it's worth 30 ,000 hours 31 ,000 dollars so you actually have like you know and you own 19 so that's great i would actually sell it right now pay off that debt put the 10 ,000 dollars towards one of your other major debts i mean it totally it pays off your personal loan which is at an insane interest rate it could also pay off the city card as well and or it could put a big chunk towards the southwest card i would do that i would do the overseas work for a couple years pay off all the debt have a fully funded emergency fund and then i'd get a 75 000 bike i'd get a well it's an example it's an example that you can sacrifice now go crazy for a couple years and get the sexiest bike you could ever dream of ever it's a temporary thing i'm not saying i don't want you to have it i'm saying literally a couple years without this can get you so many places that or you know honestly because you make a good income if you actually sacrifice and do not spend money other than uh other than your basic living expenses you're gonna have to pay off because of this an additional essentially 30 000 in debt that we haven't talked about because you don't have the 10 000 going towards the extra things and you have the additional 20 000 hours of motorcycle debt so maybe you need to stay an extra like year or something you know overseas or maybe six months so you can do that as well if it's really worth that to you to keep this bike if it's worth an extra year of work for you do it but that means you have to be sacrificing through that entire time and that is hard for people to do it's hard for people to sacrifice for six months let alone a year let alone two years let alone a half a decade so whatever is required you're making it harder and harder i would just say okay let's just sacrifice let's get rid of some right now do you have equity how long have you owned this home i need rid of my house before i get rid of my bike how long have you owned this home four years okay you actually my house is worth more than what i owe so trust me i can make a lot of money on it and i'll get rid of that house before i get rid of the bike well i would do that too and then maybe pay off some of the debt as well you know depending on what you have and start throwing things towards retirement all i'm saying is i if you're gonna work overseas especially but you can get rid of some things now you okay what happened oh okay it's okay

1:00:56okay good you can stand up for a second

1:01:03it's okay sorry that's okay okay i'm gonna move on to your checking account it's only 300 in there which is absolutely insane at the time of this statement doing a vending machine lots i see ottawa purchases for the kid even though he's not there uh we're door dashing cook sesh cash app out ten dollars cash app out thirty dollars pick and pack seventy six dollars yes round okay round rock sports there's more gas going inside a gas station getting some bull going inside a gas station getting some bull because you weren't driving a motorcycle i know you were only spending a few dollars on gas go inside getting some bull you stopped in and get things at the gas station no um i that one was i had a basketball tournament i got it for the girls what what'd you get it's a gatorade for the girls okay well i i see like four stops of inside purchases yeah that's um the weekend that we had a basketball tournament i coach uh girls basketball oh gotcha go inside getting some bs apple cash 15 out amazon apple bill nike cajun doordash to cook sash 70 bucks amazon holiday inn oh man i got refunded the um the holiday inn and the gas for the basketball okay apple potentially gas for getting some bull it's hard to tell amazon atm which are a hundred dollars who knows where that went apple cash sent out a hundred bucks dunkin donuts chipotle getting some gas there vending machine uh adam and eve why are you telling my business well now i know what you want the kids to leave so you can be loud okay uh studio booking at least i'm loud with myself okay hey i'm just saying okay never mind moving on as you get vending machine vending machine yeah and once i get into bs vending machine was bs because i put me on mids and i would never work midnight's again i was struggling struggling okay that was i've never been in a vending machine before until then i was like holy crap at two o 'clock in the morning i was like this okay go inside getting some bulls golden triangle golden triangle smokehouse i don't know you went there twice golden triangle what is golden triangle i don't know you went there twice what's the amount what's the amount twelve dollars and nine dollars smokehouse go inside games of bs going potentially going inside games of bs hard to tell amazon golden triangle again 20 bucks there amazon liquor store holiday inn yeah so golden triangle is not that's basketball that's what that is okay well you're spending a lot of basketball well you have so much debt and want to retire in five years and you're not willing to get rid of your motorcycle they give it back so like all of it everything so so the expenses when you when you're coaching yeah so you do all the expenses and then they pay you so next month they'll reimburse me for everything charlie's philly cheesesteaks potentially going to take it into bs cash app out 20 amazon mcdonald's amazon doordash beer wine liquor door dash randolph commissionary commissary sorry oh is that grocery store potentially going inside getting some bulls mcdonald's nothing bundt cake wow i didn't know people actually got that i think i saw it on shark tank yeah it's the birthday cake apple okay i mean you're spending so much money going out to eat dude and we have so much interest to ruin so much debt to pay off and you want to retire in five years this doesn't make sense this is more than just having your friday your special little adam and eve friday this is there's we don't want to start that it's but this is so much more than your friday so that's when i like i said the outgoing on to eat i was like reason why because i feel like i gained all this weight and i was like we gotta do better than this okay that's because a lot of it was traveling and that's why i said like i'm just gonna start cooking like like you know how they do prep meal prep meal prep yeah do that because like i ain't gonna lie some days i like they be like here and i would like take the car i don't care because i won't some days i won't even eat i'd be like just take this car um because i've been like really on the road doing a lot of different um events so that's why i was like hey we're gonna stop because this is crazy like i looked at that and i was like who i can spend all that on groceries yeah bases amazon amazon apple cash sent out this is so much amazon nails and spa door dash and chipotle uh home and garden something patio bar home and garden 186 dollars there um apple bill michael's amazon amazon something vivant inc that's my alarm okay wing daddy door dash oh my gosh netflix is insane vending machine vending machine vending machine vending machine oh and netflix had to return because i canceled it good they don't have anything on there mexican restaurant beer and wine tech port center tanks pizza etsy's heels on something 145 dollars okay that is an insane amount of money this is an insane amount of money and just again for me personally sacrifice sacrifice sacrifice yeah sacrifice is huge but again it's more your behavior is out of control to get to your goals and i know you've made progress for one week and okay fine let's have a little happiness for that okay done so it's just that none of the progress you've made has been within your own efforts it's all been because something else came and i don't know what you are going to do you you're going to try to move overseas to make more money that's fine but knowing you're spending your life spending a thousand eight hundred dollars more than came in after a special month where you got bonuses you're just gonna lifestyle inflate yourself you're only getting into debt and more debt and more debt the debt went up and you spent money on bullshit your categories your spending categories were insane of the money that you spent which was two thousand hours more than you brought in housing 7.4 percent of your spending phone 0.5 that's not bad transportation because you spent so much on gas and i don't even talk about insurance yet 11.3 percent necessary food well we thought now we didn't recognize a couple places it was a little higher but going out to eat was nine percent or 1 148.82 unknown spending that's typically amazon target it's hard to know what's going on there same with walmart 8.6 percent of your spending or 1 107 walmart is grocery shopping okay i didn't see too much walmart and i also didn't call out the walmart i saw a ton of amazon that's majority amazon miscellaneous bull things that do not actually contribute to your life in any way whatsoever 688 dollars and eight cents or 5.3 percent you're spending other large purchases 15.7 percent you're spending or 2022 and you know amazon does go grocery shopping now yeah and do you do that that's what that is all that thousand dollars so you're getting a thousand dollars in groceries plus and a thousand hours of eating out that's insane that makes no sense well that's a ridiculous amount of spending when you have so much debt and you want to retire in five years you're not even close and that's why like i said we are too much of progress okay great so like i what am i supposed to say to that i don't know you're supposed to tell me okay this is what the plan we're gonna do and then we're almost there i promise you we're almost there okay this is what we're gonna do if you talk about all this we'll see when you come back at the end of the year with you done that's what i want we're almost there i promise the miscellaneous spending was around rock sports the apple the nike adam and eve studio booking uh we thought the commissary but it's not because sounds like you're like eating at the place but i don't know omen garden athletic center tech fort center at sea some of this was reimbursed i know the other which purchases the ottawa university 1278 i know you said that uh came back right cash half out 101 cash half out 230 dollars holiday and 236 18 100 private school fees 56.95 and ups store 19.58

1:09:12i'll make your budget i'll tell you what you need to live i'll tell you how to do it and how long things are going to take but again it requires changing your behavior other than just one extra a special little thing so six thousand bucks comes in on a monthly basis wonderful let me get your middle monthly debt payments besides your mortgage this is already insane this is insane two thousand seven hundred five dollars and that doesn't even include your mortgages that's crazy that's insane your mortgage is one thousand eight hundred sixty nine dollars and 79 cents okie doke so what is your utilities um my electric is 100 and my water bill is 40 internet um so no gas no i'm all electric internet um it's good insulation 89.99 that's internet and cable together how much you drive normal month for gas uh your gas for your driving I work five days a week, every month, every day.