I've Never Met A Woman Like This | Financial Audit

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. this is so beyond you've destroyed your life you have destroyed your life and i need that to be clear i'll feel bad about it and it's okay for you to feel bad about it but i need to be crystal clear that you have destroyed your life your mindset on money is so up girl math

0:24hi my name is abby i'm 36 years old from waxahatchee texas and this is financial audit um i will say your documents have one of the more concerning items that i have seen yet which immediately makes me nervous like i like to start these a little happier because i know we get down into the depths quite a bit but there are things in these statements that would suggest potential foreclosure in our future, which has only happened once in the history of the show. And it was one person that was just being beyond done with their housing situation.

1:10I'm, I have concern. And I just want to let you know that off the bat, that I have deep concerns about what you're actually going to. People come on the show, they have credit card debt, They have all these things that are very bad and do hold them back and prevent them from getting to different financial goals that they want to get to. You are in a position where you could lose a house, a roof, something that is beyond important to survival. So I'm concerned. What do you do for work up there? I am an insurance underwriter. Okay. What do we make? $70 ,000 annual. uh there is bonuses okay what do you think you make a year after bonuses uh i've only been there for four months so it depends uh i think it's between three to seven percent of my salary when do these bonuses get paid out august and march okay so twice a year yes yeah august and march it's randomly it's the so the carrier it's the percentage of commission we get from our carriers they those get paid out at the end of july and so that's when they get paid out to us at the end of august okay so i had payroll hitting of 4906 does that sound right yes okay four thousand nine hundred six dollars is that just you uh or is there another person in that wait is this a single household income no i am married um okay well we're completely separate oh why well do you guys live together do you guys have this mortgage together no the mortgage is actually only my name but we do live together does he contribute to the mortgage so he pays twenty five hundred dollars a month to me um and then do you just not put it towards it i do i know um so there's there's like a backstory to why i am behind on the mortgage oh we'll get there when we get to the mortgage okay okay so an extra five thousand dollars comes in well an extra two thousand five hundred dollars comes in twice a year or so once a month what oh oh you're talking about the bonus yes yes like five thousand a year extra okay yeah i mean there are lots of zells in zells totaling three thousand six hundred ninety two dollars yes that's from the hubster um hubby it's probably a mixture between hub um hubbies and um my uh sanrio i have a side hustle a sanrio hello kitty hello kitty and friends you know like you don't know hello kitty i know hello kitty what is the side hustle from i sell Hello Kitty merch.

4:04So when I was unemployed, I started selling Hello Kitty stuff to try and supplement income. Okay. I do have something for you from my Hello Kitty stuff if you want to do that right now. I mean, yeah. Okay. So whenever you're like mad at me, you can. Oh, it's so me. What is it? What does it do? It's a. No, it's not. It's a bubble. It's a. That's a kid's toy. Why are kids touching bubble cuffs? How have you never thought about it like that? It's literally between the legs and it gets exciting. It's a cuffs. I thought of it that way. I really have not. Oh my gosh. Really? Am I perverted or are you just like...

4:57Okay. Thank you. it's been rubbed a lot it's very dirty it's been in my purse so my purse is not the cleanest i will say that being a mom mom purse it's a good it's a good stressor isn't it i feel like it's about to conclude on my face

5:21well thank you that's part of my merch that i sell how much comes in from this okay that's the problem is i don't necessarily know i have never what do you mean so i've never like it was i've never really like actually budgeted or did an uh right like i've never written down what actually has come in from that you can just look yes that would be great i have like so i do so i get cash also so if i do like sales so i get cash so like i know i paid out cash so i do have my paypal no i didn't have any atms coming oh because i don't deposit it it's girl math cash is free money oh shut up it is what are you giggling about i see someone that's about to lose their house how much do you have in cash well right now i don't i haven't done well i don't what are we doing well i was just talking so like when it when i do have my like in-person sales so like next weekend how much do you think you make for sake from this think on average so if i do a sale like if i do my live sales and i do multiple like in-person sales yes if you do whatever the job is what do you think minimum a thousand dollars how much you spend on it because you're not getting that for free it depends on a different month on average for sake probably 600 okay so you net about four and then you travel not much i sometimes and then you pay for your online platform i that's the one thing i have not actually started a website because i was just doing it as a part-time when i wasn't working on like so i just do like i would do tiktok lives and sell on the tiktok lives you know people buy that you're one of those i mean you i mean no they buy it okay i'm just surprised that people buy i've had i had one live that was a six hour live go to hello kitty.com and buy because it's expensive as crap like how are you making money off of it then because i buy it from china why doesn't everyone then i don't because not everyone wants to there i mean there's a lot of them if you if you get on that side of tiktok you'll see them but um the motivation to like actually sell i think is what most of the people that buy from me what's happened you put into this on a monthly basis and is it worth 400 it slowed down substantially since i had the full-time job but i was investing quite a bit of time when i was not working because i was really trying to help you know make up the money lost from when i was unemployed so that my husband wasn't the only one bringing in an income i want to address something related to working okay i know this hairstyle is not working i am rushing to the barber after work today don't leave mean comments unless you're a member if you're a member you can leave mean comments but i i know you don't have to tell me bad bad bad time okay so i want to see self-assessed where do you think you are zero being the worst finance is possible 10 being the best where do you think you are a one okay a fair one if you want your hammer financial score free link in the description below it's fun take the quiz if you want to come on the show go to calebhammer.com slash apply uh when we're about to get into your debt situation we also had cash absent and zelzen yes so zel 3692 a lot of money comes in from different places it's very confusing because I don't know what's what and what's transferred around.

9:17I don't know. You know, so what is the 3 ,692 from Zell's total? Well, at least 2 ,500 is from my husband. Okay. The rest, I honestly, I don't, from the Sanrio business. Yeah. Well, because they send me Zell. Sanrio business? Why do you keep calling it that instead of Hello Kitty? What is that? Sanrio is like the corporation. So like that's the trademark name. so hello kitty is just one of the characters so like the one that you do others my melody yes there's like nine characters that are pretty popular so that aren't all hello kitty no they're well they're it's hello kitty and friends is what it's like trademarked as i guess but san rio is the head corporation like the anime what so that's my shoves it in all its friends faces well that's actually my melody she's kind of not the popular one because it has a look it's uncircumcised it's like the whole thing okay yeah so there's so people have different like favorites of the characters they like and that's not anyone's not well thanks for the gift not one of my buyers um yeah okay you spent twelve thousand dollars in the most recent month okay and i don't know what came in necessarily income versus expenses versus what's from husband what's from what from what from what from what it's all very confusing also the income is wrong okay zell's on there twice uh so you actually if including what came in from the husband you actually ended up spending i think just about a thousand dollars more than came in honestly that's pretty good i did uh from recent past months that I have seen, that is not that bad.

11:27What the f*** are you talking about? It's gotten better. But it's obvious. I don't even know if I have the energy to freak out. That is so beyond stupid. $1 ,100 or sorry,$11 ,925 came in. $12 ,100 went out. So$200. But even still that's money coming in from my husband as well. what has it been before that this is considered good and why is this considered good depending on the month if there's birthdays or celebrations for who my kids myself how many kids you have what ages so i have my son is just turned five last friday and then my husband has two kids so my stepkids are 15 and 11 and the daughter turned 15 okay uh hey kids we're about to lose the roof over our head you don't get a luxurious birthday gift i mean what do you think they're gonna care about more being homeless being evicted or what or not getting a well the five-year-old would I'd rather have the toys, but the older kids obviously understand the situation.

12:43Then you don't. Well, I do. I mean, I've been working with the mortgage company. What do you mean working with the mortgage company? I've explained, obviously, why there was a back pay. Why is there a back pay? Because I was unemployed for eight months. For how long? Why didn't you have a fully funded emergency fund? Okay. Six months would have covered the emergency fund. Plus, husband was still working, right? Yes. What's mortgage payment? 20 about 26 um he makes 50 000 a year okay definitely would have been tight that is for sure uh unemployment you were receiving unemployment did not why how long were you in that previous job three years why weren't you why you paid taxes into it did you not apply i i started to apply okay this is your fault then now i can but there's they don't approve it because of how i was fired What do you mean?

13:35How are you fired? Well, they put it in as... What do you mean? You started to apply, you didn't finish it. What are you saying? Well, like, because, I don't know. So you get denied unemployment if you are fired for... What is it called? Violating, I guess, company policies or whatever. So technically... Did you say that you were fired for violating company policies? Well, no. Not that I'm telling you to lie. Okay, but why didn't you complete your application? You didn't even get denied. At least get denied. You didn't get denied. You didn't complete your application. So it's hard for me to have sympathy.

14:14Yeah. You paid taxes into a system that you didn't even try to apply for. Yeah. Shocker. You have to apply to get it. Okay. And you didn't. And also, why didn't you have an emergency fund? That was all spent on the wedding the previous year. Oh, for f***s sake. How much was the wedding? so my parents funded about 15 000 and then we did it well we i did um probably another 10 oh my god which is why my cards got maxed out and like oh for sake no how much came from savings the emergency fund that well probably about six so you didn't have an emergency fund regardless yet a little bit but not son had well okay my son had four thousand in his account what because i what what account i had a saving the five-year-old yes because when i what kind of savings account before just a regular savings account i didn't then what's the point it doesn't matter if it's in his or not i mean depends i mean i don't know do you have trust form do you have no a will like no i don't do that yet i hadn't done that yet okay i just mean what you put them in a savings account where you got 0.01 basically yeah okay so it wasn't even going into a tax advantage college savings fund or anything yeah okay i'm wanting to do that that is something great i want you to do that too but you didn't why didn't you have a emergency fund why are we getting a house if we don't have an emergency fund why are we paying uh 25 000 hours for her wedding, you know, tag it all together if we don't have an emergency fund.

15:49So because emergencies happened and then you had an emergency. What do you mean this is your second house? I technically own two houses. Oh, good, good, good death. For those of you looking to step up your budgeting and even cut monthly expenses, you'll want to keep listening. It's easy for those reoccurring month to month subscriptions to go unnoticed. Death to your budget, my guess. Luckily, today's sponsor, Rocket Money, is here to help you cancel subscriptions, lower bills, and manage your money better. Rocket Money is an app that works with you to make achieving financial freedom a reality.

16:21Set up a custom budget that works with your lifestyle and automatically monitor your spending by category, especially that taquito fund. Even get notifications when you're exceeding your limits. And my favorite part is that Rocket Money can also cancel subscriptions. Yep, I'm talking about all those ones you always somehow forget to cancel. Let them do the legwork and watch your monthly expenses go down. You can even set up automatic recurring deposits to allocate those saved dollars without lifting a finger. To save more and spend less, join the over 5 million members using Rocket Money today.

16:52Go to rocketmoney.com slash Caleb or click the link in the description below to get started for free. Budgeting and reducing your monthly expenses shouldn't be an afterthought. So check out Rocket Money at the link below today. Your future self will thank you. What are you laughing about? I'm terrified for you. that's kind of why this one's not as jokey as other ones are other ones declare bankruptcy okay maybe we can get out of it what the are you talking about you're about to lose a roof so so what is this other house my brother and i had bought a house before i had met my husband brother and yourself yes see also your husband no we are in texas i was a single no that's arkansas and alabama we don't marry cousins here and brothers and siblings in texas uh-huh but so i was a single mom i had my son his dad is or donor as i call it is not in the picture not at all okay are you getting support no that he's is he court ordered to get support i tried we did try i tried for a year and a half even just to get him to sign his rights away so he can't try and say anything for me in the future okay he avoided and evaded my personal lawyer and And the general attorney.

18:06Okay. What about the court? They, if they can't serve him, they can't, they can't do anything about it. So that's the issue. Yeah. Okay. Yeah. Do you know where he is today? Honestly, no. I just, I don't care anymore. And it's for the five-year-old, right? Yes. I don't care anymore. I mean, no. He's. Drop the nut, pay the bill. I mean, I, that's why I'd rather just try and take care of him myself. I agree. But like, also he is responsible a little. Yes. but he doesn't want that responsibility and my lawyer I mean my lawyer basically said that like now that I'm married and what we're planning on doing is so he will my husband will sign his birth certificate because his dad doesn't have any like any rights so as long as his name is like basically he's legally adopted then he's my husband's and then he has no right to so you literally knew nothing about where he is today i mean he's in dallas somewhere he's in dallas the last listen his 30 seconds got you 18 years so i think you need to i don't know it's not your fault that he's evading i did try for like a year and a half literally a year and a half of very like i had my own detective like my best friend was working on it like the lawyer was working on it oh you don't know girl power girl power is better than the FBI sometimes.

19:31Like, we can find out things if we want to. Sure. Girl power came with girl math and you're behind on your mortgage, so. Well, that's later. Sounds great. That all. I was very much in control of things back then. Okay, he's not paying the bills. I hope we get to the point where he is legally obligated because he is morally obligated. So to kind of my brother. He got laid off. well i'm we're on the the why you were late you got laid off took eight months why did it take eight months to get any kind of income though well i mean i was applying to what though all the insurance and like assistant like basically because i have my underwriting license which is great and i that's where i would want you to end up and that is where you ended up yeah but if we're not collecting unemployment because we can't finish an application maybe we're dropping some fries in the grease thing well so to just make a little bit especially since you had his income as well yeah combine that with the lower income on your side we can at least start at least keeping level on payments so i kind of i thought of it as so me not working i took my son out of daycare so that was how much is daycare uh about two to a little more than 200 a week okay you could have made more than that yeah but with driving also so come on how how much to try well how close are you to your nearest mcdonald's i like two minutes but so his he had a home daycare with um which was how far away it was an hour away okay get somewhere closer i i had problems trusting him in anywhere else him the kid yeah was he a little delinquent no i just i don't know i was raised in home daycare and i when i moved to waxahachie why don't what about a regular i don't know anyone there we did try that for one month when the first when we first moved to waxahachie and he had it was horrible like they were screaming they were yelling he what the kids the teachers the staff were like yelling at the kids they were like throwing them all in time out and this is he was three when all this started happening and he was like traumatized to where if I ever went anywhere he was immediately glued to me and he was never that kid until that month and he was there for a month and it just like ruined him and so I put him back in the home daycare okay but now he's in school if I go get food poisoning from a restaurant doesn't mean I never go to another restaurant again like I well certain restaurants I mean I'll never eat at like El Chico's which I don't think they're ever in they're in business anymore though but my brother got food poisoning from there and it caused his crones to come out basically i assume you go to other restaurants in fact i have your spending yes i know you do doesn't mean you can't trust another daycare ever again because he had a bad experience i get it yeah sucks makes it harder but listen you can make more than 200 a week you can get daycare that is closer but that's why i started doing the san rio business yeah which is not even close it's okay 10 net it's doing 15 % of the mortgage?

22:48When I was really trying, I could go one weekend. I would have a six-hour live sale. Okay, great. And it would be$1 ,000.

22:57Here we go. We did it. Fantastic. So, okay, you were unemployed, but you had enough money. So, you were making money. Great. Then why the are we behind on the mortgage? Because you said the reason is because you wanted to play. But now you're saying you were doing really well making your money with your little Sanrio. So, what then? Because you just completely negated your own excuse. yeah um yeah spending i guess oh good what did we need to spend on when we couldn't afford to pay our mortgage and you have two mortgages no so my brother we've that's like so that's the hairy subject is why like i moved out of that house when i met my now husband so like we me and my brother we went pretty much almost two years without talking after i had gotten married because he didn't think because he wanted to marry you why he was being the protected brother and thought that we had jumped into a relationship too fast tell the man's own business i don't care he's kind of like got asperger's so i i do i've come to understand it's kind of it's on the spectrum of yeah yeah yeah autism so it's more of like a social anxiety and so having someone so you didn't message him yeah basically i didn't tell him that he would be staying the night or he would be coming over and it upset him to the point of that it was a very tricky situation back then like we have made amends and everything is like on the up and up now but so he fully pays for that mortgage um my dad but you're on it yes because Because it would, and he wasn't, he didn't make enough money when.

24:40Meaning if he gets laid off and doesn't have an emergency. Well, he does now. He didn't make enough money then. Yeah, yeah, yeah. To refinance and get my name off of it. But you're on it still. Yes. So I don't give a shit about that. But there's no missed payments on that one. For now. What if he doesn't? My dad is kind of like head of that. He's on it? No, but he's kind of acting as. dead as how old uh oh 60 how's health 65 good decent well he's he's like just started like a new diet and he's really starting to get back in health and like watching his cholesterol and stuff so if he okay come on i mean he's pretty healthy compared to most 65 year olds in this area i'm just saying if he dies yes your brother gets laid off eats too many asperger's like i think then what happens then you're responsible for it yeah well i'm trying to sell the house in waxahachie anyways i don't like it out there i hate it out there name it really is yeah all right let's start going through these debts okay so bank of america royal caribbean yeah that was for what honeymoon last year uh two years ago oh my gosh well what i'm so confused about two years ago wonderful so i was making it's not that far off from the max yeah two years ago the reason it's gone back up to the max basically is because of me not being able to pay it when i wasn't working you've been working for two months and you said you were making good money off like a little nut guy over here so i wasn't applying it the way that i should have there you go an actual real answer thank you some responsibility okay so yo four thousand two hundred fifty seven dollars on here and 51 cents this is insane oh my what are you doing What are you doing?

26:55The minimum of the payment is normally$181. Okay, wonderful. We can pay that. You owe$515. No, no, no, no, no, no, no. You owe$696 because you're not doing anything. You owe$15. What is$50? What is$50? $50 is nothing. You've been making an income for two months and you've been doing well with little pink over there. So I don't understand. Why are you possibly behind on this as well as your mortgage? you haven't you weren't paying anything anything at least pay something what is happening here well 40 dollars a fees are charged because guess what we're not paying anything because we don't know how to act like an adult even though we have three kids and 100 dollars is evidence of interest being accrued i did pay what i could so that one was 50 i paid 50 dollars but it's not enough you owe a minimum 181 181 but not really because it's 696 because you don't know how to pay it $50 is nothing for your situation.

27:52You can pay more than$50. Listen, listen, listen. Miscellaneous bullsh** spending in your spending was$1 ,389. So I don't know what the f**k you're talking about. You could have paid more than$50. We had plumbing issues at the house. That's not miscellaneous bullsh**. Yeah. Miscellaneous bullsh** things we put in that category are things like video games, in-app spending, you know, things like that. Random little things. Yeah. well that's why the funds were not paid towards that bill because huh because we gotta get our plumbing what are you talking about i literally just said you spent thirteen hundred eighty nine dollars on miscellaneous bull that does not plumbing yeah i don't um i mean yeah but i i mean we did have to pay plumbing so that's why we didn't pay for that bill but do you know understand what I'm saying?

28:50Is it seriously not making it through somehow? What do you mean you do? Then why do you keep saying this plummy thing? I'm not pushing it back against it. Listen, if you clog up a toilet with your massive from eating all those ass burgers, I will allow you to go get it unclogged via a plumber. I will allow that. I am not talking about that. I am talking about how you spent double what you owe on here on miscellaneous bull. yeah not the plumber not the plumber and please don't take a in our toilet because i don't want to pay for one well having three kids uh definitely clogs toilets but it was a water main leak and the city claimed it wasn't on our side i do not care i do not i just said i don't give a about that yes you will pay for that okay that is not what i'm calling out is this are you incapable of understanding that i'm sorry i really don't want to be mean how how how why do you keep bringing it up i've already said i don't give a and that is not what i have brought up so what do you care what sake for sake honestly i don't know what the miscellaneous spending is on so well no you don't know how to look at your statements you said you don't know even how to look well i got real anxious about it because i was behind and so i did i stopped looking at it so But that just causes more anxiety down the future when you know you lose your house.

30:17Yes. Yes. Yeah. Go through our debt program. Please. You get it for free. It'll at least help you approach this debt in a way where you can overcome the anxiety. Then go through our budgeting program. Learn how to budget. Learn how to look at your documents. Learn how to put them down on paper. Go through them. You get them for free by being a guest. Yeah. Right now, 35 % off. Link in the description below. but you get them for free by being a guest and you need to go through it. Take the quizzes, go through the education, take it seriously and take it with your husband and combine your finances like adults.

30:52He's way worse off on finances than I am. What do you mean? What does that look like? What do you mean? Why he won't go on the show. He's definitely What is a Yeah, he doesn't want to confront his issues. What are his issues? Spending issues. Okay, what's his debt? So everything is in my name. Huh? I don't know. I don't know his full debt. How do you not know? You guys are married? You don't know what's dead and you guys are married? What is this marriage? You guys obviously don't have goals together financially. You don't care about retiring together. You don't care about surviving together. You don't care about having goals for the kids together.

31:25Obviously not because you're prioritizing your little feeling good of never having to talk or think about it. Over that. That's why I maintain all the finances. No, you don't. You just said he's overspending. You don't know what his debt is. You're not maintaining s***. You don't know s***. Well, after he paid me his portion. documents what are you maintaining you don't know how to look at a document after he pays me his portion of his rent or whatever his oh rent to our husband that's great that's how he doing he doesn't like talking about finances i don't give a about what he likes do you guys are you guys gonna have a financial future together or not i want to okay well obviously that's not gonna happen you need to go to a counselor or uh divorce that well i don't really because that's where it'll head.

32:09This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt.

32:46This has been a revolutionary project that we've been working on for over a year now. And just like over 10 ,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 25 % discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to calebhammer.com or click the link in the description below. You will not regret this. You don't believe in divorce? Not really. I think you can work through your issues.

33:19Okay. I agree. You guys aren't. We're not right now. No, definitely not. Okay. But that's strong logic then. Well, if I can get my finances under control and have a plan for the future and start like. Then he'll be an anchor for your financial boat. I can get him in line. How? He doesn't want to talk about money because he's a. He doesn't know how to act like a adult. My hopes are that. Oh, that's a good way to live our entire financial future. Guys, we're going to retire successfully as a couple and pay for our colleges, our kids college. Why? Hope. His kids probably won't go to college. Huh?

34:01His kids probably won't go to college. Are they not your kids too? Okay, I guess they are my kids. Why? Wait, you're calling them stupid? No, they're just... They don't look at... They'd rather do service jobs. What are you saying? I'm just... I don't know. That's not something you have to go to college with. No, you're saying something. What are you saying? They... As long as his kids. Your kids. what's wrong i mean they got their own issues you guys get along me and the kid uh me his daughter lives with us full time his son comes to visit um you guys get along not him and his son why he's got like uh anger issues okay but okay well why do you think the daughter is she's kind of voiced that where she doesn't she how old is she that she's 15 she's a 15 year old yeah she doesn't i know i'm trying to i'm trying to we've even talked about the they don't have to go to college i don't care there's a lot of things there's yeah i didn't go to college you know i dropped that college there's a lot of paths there's certifications and i like my boys over at course careers they're a great resource for anyone who wants to boost their resume highly recommend it i like trade schools i like college i like community college i like state college if you can afford it.

35:23I like private college. I like things that make sense. So it's okay if she doesn't want you. You're acting like you're like looking down upon them like they're just little pieces of s***. It felt a little gross to hear. I know that was really mean to say. Well, you were saying that we would have to pay for their college funds and I was just, that's just not something. You don't know? The troublemaker's 11. Yeah. He's 11. What? You're scoffing. We have our issues. He's 11. You're an adult. It's really hard. I've worked with kids and i've never had problems with kids until he came around and we got married so yeah what are you saying burgers are flying out of his too uh no no he definitely hasn't he's got he's just he doesn't respect women he doesn't like he's 11 he still needs to listen if he's in my house okay maybe your method is not working though i mean i agree with you but his mom doesn't make him have any rules so okay he's unruly at our house between parents on this side can be came with parents on this side maybe the kid needs counseling maybe the kid will grow out of it i was a troublemaker yeah i had my fair share of groundings you get suspended in third grade three times um i got i got i got i got suspended in elementary school a few times i don't remember boy great okay i got suspended in elementary school and middle school hey i do they grow out of it i was a troublemaker i ended up finding better friends and you know of course taking responsibility it's bad down there now or up here is that where where is that it's basically the new south dallas so like oak cliff de soto was the old i just don't like how you're talking about Sorry.

37:11I know. Don't apologize to me. Apologize to them. Because, I don't know, you sound like the stepmom from... I'm not, though. And that's the problem.

37:23$874 of interest charged this year so far. But the crazy part, the crazy part, the crazy part, and you're trying to manage kids but you don't know how to manage a singular credit card. $320 of fees this year so far. what card is this year so it's the one we talked about that we're talking about royal caribbean yeah 320 dollars of fees yeah in a singular year that's a joke that is mismanagement to its core so i mean not to put all the blame on my husband oh yeah sure but well he so he when if he doesn't have enough money to pay for his portion of the bills because he spends money on you know his own why are you guys together this doesn't make any sense you guys were not ready for marriage no it was good thing we spent 25 000 on the wedding we got and we went to death for the royal caribbean bang cruise we i will admit so i did i will admit that we did rush into marriage oh but it was because uh sorry wait what have we unlocked his mom um was really sick oh and so we wanted her to be a part of it she passed away two months after so gosh and that is fair and i'm very sorry for that that's fair and that's kind of great i hate that but that's when everything really fell apart with him also really the the loss of his mom yeah there's tissues right there if you need them um gosh it would crush me we have some more tissues man people people be crying

39:15um i get it gosh i'm just wondering could we have had a ceremony without like the actual legal tie and like convincing ourselves that we are in that you guys just weren't ready for marriage yet i I wonder if we could have just done an alternative. We talked about it, but since it was my first marriage, like, I wanted a wedding. Yeah. I know. It was stupid. But there are really good memories from that night because of it. Why are my producers texting me he lied to her? To me? What does that mean? What happened? About what? Oh, I don't know. We've had multiple issues about his spending and his finances.

40:05And that's why we just don't talk about it. What are the issues? I mean, his spending. Okay, but you said multiple problems. What? Well, he doesn't know how to maintain his money. He doesn't know how to spend. Gosh, make him go to the classes, too. How old is this? He will be 38 next week. I think it's time for him to act like an adult for the first time in his life. Okay. So, but what did he lie about? I guess, well, so before he got, so I got him the job where he is now, making basically a good wage. Okay. Decent. I mean, it's the minimum basically, but now. um but he was he just i mean he never told me anything about his finances really oh did he lie about his debt yeah and like how much you don't even know what he is well i do now like we've you know his debts well not fully but and we've been married for two years and how long were you together before that a year and a half.

41:18Okay. So for some people, that's quick. Some people, that's not. You know, that's actually okay. When I'm saying quick is you guys just, you don't know each other's situations and lives and goals and aspirations when it comes to the financial. And financial's a massive. I thought I did. So you thought you were going in, he was$0 a debt? Well, I didn't know. I knew he had debt. Do we marry, do we stay with someone who was willing to lie to us? Well, I knew he had debt. I just didn't know how much. Do we raise kids with someone who's willing to lie to us? Yeah, that's where we have our issues. Do we see this lasting?

41:52I do. We're working on it. It's one of the leading causes of divorce. Are we? What does working on it mean? Because as far as I'm concerned, you're not willing to write down your shit. And he's not willing to talk about his shit. What is working on it? He knows my stuff. You don't even know your stuff. Not 100%. What do you mean you're working on it, though? We're trying to get better about communicating. and you said he's not willing to say so what do you mean we're trying to get better what does that look like what is trying i'm trying to what am i what am i trying i'm uh i am actually losing weight so i can't use that i'm trying to grow a better beard but i'm doing nothing to do it yeah so that's not actually trying we have had conversations about it and more so than we have in the past conversations without action i'm assuming yeah well action on my side not on really his you are not a credit card person yeah i used to be i used to be a card like the fizz card you can use it in our resources check it out use it it's a debit card it also builds your credit because i know just everyone always says what about my credit well there you go it's a debit card that builds your credit so his his biggest thing so he was air force well he was in the air force so he blames that the military um what the did someone shove a plane up what no but he blames that they didn't prepare him enough for basically being outside of the military because okay for everything when you are in the military they pay for housing they pay for child care they pay for school they pay for you know even moving which which i mean i understand how listen i do get that but also he just feels financially dumb fine message to him i agree i will say that i agree yeah but you're a adult ask questions reach out resources you will learn because guess what seniors in high school seniors in college different lives in the military absolutely but they are also essentially given housing you know it depends in college it can be a little different yeah but especially high school given housing then you're on your own like they have to figure it out too it is different and i do sympathize with it but if you're not trying to learn yeah and you're not trying to fix when did he get out of the military um well that was uh i guess it's been 12 years he has no excuse if you can't learn one thing in 12 years then that is on you as a human that is not on the military yeah what a joke if there's trauma there's stuff like that that is different if there is ptsd that is different but that is not talking about finances and paying for rent it's trauma but it's not from the military but okay but is that pain or we're talking about paying rent or are you talking about exactly potential relationships you know it's it's a different thing and it can radiate to other parts of your life i don't want to be dismissive of that don't get me wrong but i sound that feels like much more of just uh dudes make an excuse because he doesn't want to grow the f**k up at least in terms of this stuff yeah in terms of whatever what's he even spending his money on he he's the mcdonald's uh gas station or i guess taquitos um he's the one you won't really see that online because i don't really go to the gas stations unless for gas but he's energy drinks he does dip he does oh yeah well the pouches they're not as bad oh it's not dip it is technically though it's still nicotine pouches yeah but it's not dip the spit and the nasty well okay okay it's not he's zinned up he's locked in yeah a rogue is what i think he uses never heard of it but i've also never done military anything military uh-huh what does the future hold for business?

45:54Ask nine experts and you'll get 10 different answers. Is inflation going up or down? Will rates keep getting cut? Can someone just create a business crystal ball so I know what's going on? Until then, over 40 ,000 business owners have future-proofed their business with the sponsor of today's video, NetSuite by Oracle, the number one cloud ERP, bringing accounting, financial management, inventory, HR, all into one fluid platform. As a business owner, your time is the most valuable resource. Stop wasting it managing multiple platforms. With NetSuite's one unified business management suite, there's one source of truth.

46:31And with tools like real-time insights and forecasting, you're peering into the future with actionable data, giving you the visibility and control you need to make quick decisions. When you're closing the books in days, not weeks, you're spending less time looking backwards and more time on what's next. Whether your company is earning millions or even hundreds of millions, NetSuite helps you respond to immediate challenges and seize your biggest opportunities. If I was trying to unify my business and cut down on operational costs, it's exactly what I'd use. And speaking of opportunity, download the CFGo's Guide to AI and Machine Learning at netsuite.com slash hammer.

47:07If you're trying to stay one step ahead, it's a no-brainer. The guide is free to you at netsuite.com slash hammer, so head to the description and check it out today. Thanks to NetSuite for sponsoring today's video. Let's get back into the episode. Mortgage. Yes. It's time. Okay. What the f*** are you doing? 335 ,000 hours. Great rate of 3.375%. Why f*** ruin that? What's the normal minimum of the payment? Tell me. Like, it's just under$2 ,600. It's like$25 ,800 something. Okay,$25 ,800. Wonderful. Yes. Okay. yes that becomes hard if we don't finish our unemployment application or have a fully funded emergency fund because we decided to have a wedding that was probably too soon for our relationship anyway it doesn't matter you owe six nope nope nope you owe seven thousand seven hundred fifty nine dollars and eighty one cents now now um now why possibly are we not paying for it now so the way not unemployed anymore okay so the way that the mortgage is applied if you only make partial payment or partial payments they won't make or they won't apply it to your principal until it reaches the full payment why aren't you paying your full payment well i didn't have the money at the time we had i'm talking about now i am i am now wait i'm confused what are you saying well i'm saying so the missed payments are in may and june and then i've been able to make my current payment in august and september but it still hadn't been enough to make up for the missed payments in may and june so they don't apply a full payment.

48:57So, okay, we owe back$4 ,670, but you're making current payments. Yes, yes. Why haven't you gotten them to put that at least like the end of the mortgage or something? Why haven't you called them? Well, I have called them. They didn't offer that. Okay, why didn't you request? You didn't know? No, I didn't. Not that I want that anyway, and not that they're necessarily obligated to, I don't think, but they can. Okay. They want to. But don't do that. like this mortgage company in general. What do you mean mortgage company? If you just pay your bills, there's no reason to have the conversation. It's just been really, they're very, I don't, I just don't like the way they operate.