Loser Husband Blows All His Wife’s Money | Financial Audit

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0:30and we are based out of Killeen, Texas. And this is Financial Audit. Thanks for coming down from Killeen. So all these accounts right here, are you guys married? Yes, sir. Are these combined accounts? Yes. So I have your guys' accounts. Okay, very cool. So what do we do for a living? We'll start with you. What do you do? I'm a digital marketing specialist. Cool, what do you bring in? $58 ,000 a year. Very good. And what do you do? uh i wait tables and do stand-up comedy okay how much do we bring in from i gotta ask for the comedy first uh i think last year i did 5 000 okay so more of a hobby more of a grind more of a we're trying we're trying we're doing our best how much comedy is there in killeen uh we come to austin yeah yeah we're fancy not into like the big ones but we we do okay 5 000 what do you mean Like the big clubs.

1:26Like Mothership and stuff? Yeah, yeah. Yeah, we went to a show last night. Oh, we went to a Rogan show. Oh, did you? My buddy Hans Kim was performing. And Tony and Rick Diaz. No, Rick, Rick, Joey Diaz. It was Rick Diaz. It was really cool. 5 ,000 bucks, so obviously we're not living off of that. How much comes in from the waiting tables, one? I would say probably about 12 ,000 to 15 ,000. Okay, so you're the breadwinner. Yeah. okay well oh I just got sent some of your oh okay I just got a couple things you mind if I watch these? yeah absolutely I love when you watch them you love when I watch them?

2:07yeah when people watch them I get to look at your face and see if you like it I'm gonna look on my phone because I'm not logged into Instagram on the iPad oh one of our editors Mika is also clicking on that link right now himself. He's watching it in the other room. Okay, good. Let's see. I'm curious what he's thinking. Let's see what we think. Oh. That's not Stan. What is it? I just make singing videos as well. I'm obviously not a singer. Let's see if this one's stand up. No. It's not? No.

2:47Justin Bieber's having a baby. Shout out to Justin Bieber. Yeah, okay. Sick. Let's watch the last one. Love a fellow content creator. Oh, yeah. You've picked the best videos. Guys, listen. I think my house is haunted. Well, I didn't pick them. Not a single stand-up. Okay, let's watch your most... Let's watch your most recent joke. That was very good. That was funny. Thank you. We got a little chuckle there. Okay, one more. A little crowd work. hey better than i could do man hey thank you better than my singing yeah that's interesting that was that was those first three were definitely interesting so five thousand dollars yeah well facebook just started paying me uh tens of dollars huh facebook just started paying me tens of dollars oh tens of dollars yeah okay so what is the overall plan for the household where are we sitting at today then because obviously you're not bringing in much say you bring in an extra 20 okay great so we're getting to you know i'm close to 80 what what are what are we doing right now how are we feeling what's going on uh well they've just increased our mortgage uh what by 400 property taxes uh property taxes and then insurance because of all of the storms and everything yeah so that hurts okay yeah no we're just is that the bills are getting paid right now so they're being yeah they're being paid but there's not a whole lot extra afterward and then i i think with uh we're the goal obviously was to pay off some debt but we have just why well i don't like debt that's my no why have we just as you said oh well so we we have gotten out we keep getting back taxes where uh i don't know if you guys know this but if you don't pay taxes they come find you who's not paying taxes both of us well are you not w2'd no i am he has just worked so many jobs we didn't file a couple of w2s and okay so it's you found them so it's not I filed more taxes though.

5:04It was collective. It was his W2s. Yeah, but it feels better if she's the one who filed. So you're the one that files? Not anymore because of that incident. Do we file jointly or separately? Joint. Okay. How? Is there responsibility on both sides in this relationship when it comes to finances? Absolutely not. She doesn't let me see him. I don't not let you see them. He just doesn't care. Why don't you care? I'm just a big spender and she says absolutely not. Don't spend that or spend it. Is that true? So you don't let him control any part of the money because he just goes and spends it? I just have to.

5:46I'm the only one who checks the bank account. He doesn't check the bank account. Why? Because if I check it, I'll be like, all right, I probably shouldn't go spend$50 on cigars today. Cigars? $50 on cigars? Yeah. Okay. All right. Well, let's just see. let's just see we're gonna jump into the finances but i want to see where you guys think you're both at okay as a household so this is a household i'm gonna go three two one go and on go i want you to give me what you think is the score at the same time of your household finances zero being the absolute worst it could be 10 being the absolute best it can be so three two one six wow interesting so we're kind of on the same page do we both feel like we know where the house is at i think so and we're trying to pay off debt but we're not paying off debt is kind of what you said but we're above like a solid solid like right down the middle five like okay solid yeah because we're above that yeah all right let's take a look at your debt all right discover it everyone gets to discover it card mine's pink i like to do just over the the minimum on what everything yeah was it just that no on everything okay like if my minimum is like yeah but also you completely ruin it though because on the discover it sure you had four thousand six hundred four dollars and the minimum payments close a little under 100 then you put 100 towards it so okay uh-huh cool but then you went and spent 20 so completely negated it you completely negated it and then interest of 67 67.59 even though you put 100 towards it the balance only went down by uh like 10 bucks yeah Maybe you get cash back.

7:28Yeah, but come on. With the$67.59 of interest, what f*** cash back is competing with that? In a single month,$67.59 of interest. Yeah, but if you look at it, you get cash back on every payment throughout the month. Eventually, you're going to get like... See the child of the relationship? He doesn't bring in any money, and he apparently spends it all anyway. Cash back? What the f***? Cash back is for people who never pay interest. For interest that's never accruing. What's the cash back on the Discover? It depends because sometimes they give you like 5%. Okay, 5%. That's pretty good. That's pretty good.

8:09But on your balance, you're losing 18%.

8:17So net, you're losing like 12%. Yeah, they don't say, see right there? 5 % cash back? Yeah, you got 21%. You got 21 cents. Congratulations.

8:32When you say it like that, it doesn't sound so good, Caleb. Yeah. So why do we do it? Do you believe it? Well, I did. Until. Well, so like we just bought gas today and I put it on my Discover card, opposed to the bank account. Discover it. Correct. Okay. Why? Because I thought if I got the 5 % cash back, then I'm saving money. Okay. What do you think about this? I was literally going to put it on the bank card and he said, no, I'm going to put it on my credit card. Why? Headed here. Yeah. Which one? Who pushed to come on here? Me. That doesn't make. Then you know the show enough and you still put it on a credit card and you're sitting here talking about cash back with me.

9:11I'm very confused. Well, but because we're going to pay it off before it starts. You're not. But it was only$25. No, but that doesn't matter. The balance is literally only going down by$10 and it's sitting at$4 ,592. dollars but if you get that's getting accrued at 18 rounded but if you pay that 25 off before the next cycle you shouldn't get interest on that but your overall balance is huge and that's gaining interest so you not the money you're paying off is i guess in your mathematical way paying off the thing you just purchased instead of actually paying down the balance that's gaining interest so still it's being completely negated i feel like there's a loophole here that I'm missing.

9:55There isn't. There isn't. If at 5%, if I get 5 % back and I pay it off. You sound like Theo Vaughn. I get compared to Theo Vaughn all the time and I promise I did not beat Down Syndrome. He says that that was a bit of his. I don't know if you know Theo Vaughn. That's why I mentioned him. Yeah. Okay, good. But no, so at 5%, if I pay that back before, then I didn't have to use zero dollars right i made zero dollars if i just use my bank account i get what you're saying but because what you're doing is paying back that immediate purchase you're not paying down the overall balance instead and the balance is sitting in there thick and mighty but but i will i will still pay my hundred dollars like you said from the top so i'm not put extra this you didn't put extra on this statement no but but for for today why why is today special versus this one why is it different than this statement i see okay fair i see what you're saying but that was today in my thought process that is why because i figured if i got five percent back on this gas and then i still do my hundred dollars the cash back thing yeah because have we had conversations about this what what is happening what are the conversations around the credit cards the debt the purchases in this household well she tells me not to use the credit cards well you say he can use the credit cards i try to tell him no i'd rather not if we have the cash what if we have the cash i'd rather not put anything on the credit card that's not really putting your foot down saying i'd rather you not i try not to be controlling i don't want you to be controlling either but it's also just like communication having a conversation about it does just he clearly doesn't even now after this conversation he clearly doesn't seem to understand what's wrong with putting it on a credit card.

11:45So it's just like we're not community. What are... Well, so my credit used to be... What are her financial goals for you guys? I have no idea. There we go. That's huge. The fact that he doesn't even know what like a household... What do you have financial goals for your household? Kind of. I've told him before that if I had just a house payment, a car payment, I'd be content. It's really just the credit cards. Like I don't want debt elsewhere. Car payments still? what are his financial goals uh i don't know that he has any so you guys just don't talk about money no but this is a big part of a relationship that's why i said as long as the bill as long as the bills are paid yeah but the minimum bills you're losing money you're losing money but the cash back you're gaining money are you like actually like are you because you're a comedian or like no what is that because that's dumb i've already explained this multiple times but like that's dumb but if you get the if you're going to pay it i but you're not you're not paying off the balance but you're working toward the balance you ten dollars ten dollars net after putting a hundred dollars towards it ten dollars net if that's not bad oh my god see with me because he's a jokester that was happening or i feel like it's a little bit of 50 50 he kind of i do believe that there's cash i believe the cash back is he does legit say that though it's real it's real that's for people who are credit card people who can pay off the balances you need a card dude like the fizz card or any other charge card that forces you to pay it off at the end of each month and then you still reap the benefits yes that's what you need but so i started i think whenever i first got my my first credit card i had uh 612 credit score and now i'm up to like an 800 yes debt loves you debt loves you you're utilizing it the way they want to i mean the the credit line on here is 18 000 so like yes there's a big enough gap there but you're still getting completely the interest over across the entire statement you lost 248 dollars this month in interest alone across everything yeah cash back's not that well the car and credit cards that's not even including the mortgage but yeah the car and credit cards was 2 ,000?

14:05280. Oh, 280. Yeah. Okay. Which if you're on your own with that, would be a substantial amount because you don't make any money. Yeah, that is accurate. Running a YouTube channel like the one you're watching right now is a full-time job, especially when it comes to video creation. Content planning, making sure the lighting is right, ensuring good audio quality, endless hours of video editing, I could go on forever. Wouldn't it be amazing if we had an assistant that could take care of the entire production process in just a few minutes? Well, we can thanks to today's video sponsor, InVideo AI. You can forget about the endless editing timelines because now you can just create and edit videos in your own voice with a simple text prompt.

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16:52Okay. And we've made$5 ,000. So are we getting an extra thousand dollars per year? Probably. Yeah. No, it's more than an extra a year. I think I'm on track to do closer to seven this year. Seven or eight probably. Have you ever done a bucket poll? Kill Tony. I sign up all the time, but I never get pulled. That'd be cool. I like to go to the show as much as I can. I'd love to see you up there. Thank you. That'd be cool. It'd be fun. Hopefully I would applaud. Yeah. One minute to be hard. I'm not really a booer. No. No. They love booers. Yeah. Especially, yeah. Okay, Etsy. That's what we spent money on since they're on Etsy?

17:38Yeah, probably. On the Discover it, $20.56 on Etsy? What the f*** did they get on Etsy? That was a surprise for me that she bought. But see, that was her. That was me. Yeah. So what are you doing? You're supposed to be the responsible one. That's not funny. I think it was my card connected to my PayPal. So I just went ahead and purchased it rather than going and getting my bank card. Because I ordered it through PayPal. I had no cash back. What's your obsession? See, you've fallen for the trap. You've fallen for the trap. Okay. Now the classic... Wait. We have two discoverers. Yeah. Yeah, so that was probably hers.

18:15This one's mine. The pink one is his. Yeah, see, now you'll start to see... Are you authorized users then? uh no oh i asked if at the beginning oh okay sorry that's the bank the bank account yeah all of my credit cards are mine yeah and then hers are hers that is my only card or no i have two cards in there actually so you're the one with the balance of almost 5 000 bucks and you don't and you're spending on it and you're supposed to be the good one that's how this was set up that's not funny what are we like what are we laughing what are we laughing why are we laughing People think it's so cute to be bad with money or something.

18:48What is happening? I only spent$20. Do we have to go through this again? Just like the gas thing? I know I have the. Net. Net. Yes. Only$10 went towards paying off the card even though you gave it$100. That actually got refunded too because they messed up my order. Okay. Still, even with your spending. Yes, it's hilarious. Is this cute? What are we doing? Why are we all laughing? I'm embarrassed. She does get embarrassed easily. So I'm laughing because I'm embarrassed. Okay. Okay, fair enough. So you're Discover It. Yes. Now I have no idea what has gone on that, probably. So you guys don't even know what's happening on each other's?

19:27No. Credit cards? No, probably not. You guys need to just sit down and talk about it. We're going to send you through our budgeting educational system. You need to go through that together. Literally go through it together. Spend the three to four hours it takes after quizzes and everything. Go through that together. Seriously, please. I need you to. you guys need to start having conversations at a minimum about what the f*** is going on financially in the household. A couple years ago we sat down and we actually were like, okay, we spend this much on this, this much on this. But that was, I think, like 2020 and we have not looked back.

20:00You know, the last time a comedian came on here and then ended up going on Kill Tony, he got obliterated. Really? Like his set flopped beyond hard. Wow. Thanks for putting that on me. Yeah. again it's not something i could do but i'm also not signing up to do it again you're the good one apparently and he's the bad one in the finances but his balance is half the size of yours 2191 dollars to 77 cents with a 63 dollar minimum payment you're right you did put way more than the minimum on yours okay yeah so i didn't know which one you were i didn't realize i was but you still went and spent 400 then so i'm still confused because 42 dollars of interest is accruing on this so why are we spending money on a card that is having interest accruing why not to get it to zero then do the purchases you're gonna do then pay them off every time why would we do purchases on a card that already has a balance that you can't fully pay off yeah so that went literally the reason so uh you should be is it the walmart is that the purchase that you're talking about let's see because there should be uh walmart's one of them sir it was a big one but then there's also comedy club and uh going in a gas station getting some going in a gas station getting some bulls uh spare time is that a gas station no that's a bowling alley yeah bowling alley great and then a restaurant the gin so no not just walmart five bull purchases on a card that we can't pay off well so the big one at walmart was i lost my headphones i was actually on my way back from michigan doing a show and left my headphones on the airplane so i had to go buy more airpods but i put it on my credit card i'm an avid runner and i congratulations get a pair of headphones that go over your ears that plug into your phone that's yeah you don't have money you make no money that's fair but the reason i put it on the credit card was so that way i could get the cash back oh you're gonna murder me you i don't think i can get through to him on this cash back thing i really don't what did i save what did i save on those headphones by using cash back but you're not though because in the end remember you went to throw that thousand dollars at this overall bounce which would have taken it down further if you didn't put the airpods on here so in the end the balance remains higher and is getting attacked with a 22.24 % interest rate, which is well above whatever cash back you got, not even close to comparable, you're losing.

22:29But did I pay that one off? You're literally making like a dollar off of losing$100. I believe I paid that one off instantly though. No, the purchase? Uh-huh. But the money you were throwing towards it, because you put money on it, the money you throw towards it decreases the overall balance less because you got such a big item on it. And that large amount of interest is accruing on that balance.

22:59A whiteboard, please. Yes. Oh. You're losing me here. This is no special little whiteboard and I'm going to steal it.

23:12How do I want to visualize this? How do I want to visualize this? Oh my gosh. Dildo marker. Well, that makes sense

23:27Okay Go with me here because I'm trying to think of how to visualize this Okay Here is the big scary debt Okay Let's say this is a

23:45$2 ,000 debt Okay You have an extra$1 ,000 to throw at it. Yep. Okay. But this whole$2 ,000 is accruing interest, right? Okay. Let's say at 22%. Yeah. You have a gorgeous, gorgeous$1 ,000 you can throw towards it. It's incredible. $1 ,000. And you can throw it right at this to cut it in half. but uh-oh we went and spent 250 which would be about this much 250 right so now when you cut this 1 000 in half it's no longer in half anymore because you still added more to the pile well yeah of course okay i say yes i see that this is still accruing interest because less in the end was paid off because you're adding a balance to the stupid thing right but so if i would have just taken the the 250 and bought the headphones outright that still would not have gone on there yes you couldn't afford the headphones you couldn't have afford you just couldn't afford them and if you're gonna put it somewhere don't put it at least on the card even if that means you have$750 less on here just your behavior your behavior of thinking you should be putting things on cards is bad you need to address your behavior so you're saying if you have the cash to just pay for things in cash and just leave the card alone let me cap this thing up before it gets someone pregnant thank you sir nope what do we think about that so if you're if i have the cash to buy the headphones now.

25:28I should have just left the card alone and just put the remainder of that thousand, which would have been, what, roughly$750? I have another graph for you. Okay. I'll visualize this. Because we like to be helpful. Yeah. The red is the cash back rewards you are receiving. Okay. The blue is the interest that is hitting you. Let's see what the reward versus the consequences are. Okay. You can see how they compare. is that red really improving your life and what is this on putting it on screen across your credit cards all credit cards right both discover credit cards both discover three thousand dollars for two days i was broke and you just held on i still the loan money and spent it instead of correct because obviously if you drop out of classes within those two days you you know you don't have to pay for those credits typically so you're in that refund amount of time yes but we used it and we just spent it on what so i live i was in florida and she was in indiana and i used that to move to indiana borrowed money man and student loans okay what do you think about that uh i mean i'm glad that he was able to move up yeah well also what were you bringing how did it cost i'm just confused i i know he lived on it too after he okay well that makes sense because i only associate uh you know like yes we can bring in uh statistics from other people but i'm if i'm just thinking about myself when i got my job done in austin texas five and a half years ago and i went from michigan i paid a security deposit down on something gas money and stopping for food on the way other than that i literally just like threw away or gave away or even tried to sell but that was harder because it was like a one-week turnaround like two-thirds of my stuff packed up everything else in a sedan and just drove down like yeah that's really three thousand dollars that's just yeah that's what i did but then i lived on that until i got to go until why'd you say it was because of moving then well because it was yes what do you mean because i did so i was working at a shop in florida and you could have gotten some mcfry job you could have that's what yeah i did yeah he did after the money was gone after the money was gone so you wanted to go through the well no because i had a business idea that i so i you have a business idea what's your business so i bought a couple motorcycles and i was gonna resell them oh me but i ended up selling them to somebody who uh was a close friend who took advantage of the situation sounds like a great friend turned out to be not such a good friend uh so obviously i lost all of that money and then that's when i got a job you want to be told that that's a stupid business to get into apply to be on the show calebhammer.com slash apply because that's a stupid decision either way for someone in your position at that time you borrowed$3 ,000 to live I don't think we're taking on the risk of starting that type of business but I thought that if you flip this motorcycle and I could have made a couple thousand which was the goal I don't think your goal was to lose money I'm not saying that but that is what happened I know that's what happened Okay, so how long did you try that?

28:59And then you went and got the McFry Duncan job? I think that was about, yeah, about three months. Three months? You allowed her to do this for three months? Well, she broke up with me and I was living in my truck at that point. Probably deserved.

29:15I can say that because you guys are together. I mean, aren't you married? Yeah. Okay, cool. And we got back together after he had this job. Yeah. Yeah, because he had a... i mean he's kind of it seems like he's kind of in this uh cycle of uh trust me i'm talking about him for a second but you're not good with your finances we've gotten this but let's just talk about jobs and stuff like that seems like maybe some aspirations yes but just kind of fumbles around and tumbles around trying to shoot for the stars without really bringing in money ever i mean yeah kind of like because he's definitely job hopped but it's like that's what as long as he's making something and but there's it's more than that though because just making something isn't necessarily gonna get the household to the goals now we don't have household goals which i think is the main issue because without goals we're kind of aimless we don't know what we're shooting for so you don't know what to do to even get there i guess if we have no goals if we have no retirement goals or what we want to do when retirement if we don't want to you know travel all this stuff if you want to be able to spend more time doing a comedy without having to worry about the debts over your head and paying for rent and all whatever you know is going on mortgage um saving up for a down payment you know having kids stuff like that if we don't have the goals then just around works yeah but that won't work in life in the end yeah yeah i've always been the kind of guy that you know if you look at any of the uh your your a list people they always say don't ever have a plan b so i've just i've tried to live my life by saying as long as things are paid for as long as the the we have a roof over our head that's all that matters just put as put in as much time for your we get nowhere from that though what's your what's your retirement plan both of you as a household what are we doing i don't have any we're the same age so i don't know if i can rely on social security by the time i retire yeah i mean they keep having to push back retirement age because you know it's not managed very well so yeah i have not thought about it she has a retirement i don't know how much i don't know i don't know what i've put into it i've been working at my same job for six years why haven't you looked i don't know how i don't know you don't know what company it's with i don't have any idea oh okay what's your percentage contribution i'm gonna my rest okay not a clue i had uh when i worked at a mattress store i had retirement but then whenever uh i quit working there i pulled it out that's another thing with the the the no goals this is like oh it doesn't even matter to have retirement at that point may as well just tap into it if we're not trying to get somewhere so okay and you're not paying on your student are you in a weird payment i kind of screwed myself i uh just last year i tried to go back to school and so i what uh business administration i mean that's great yeah and but it ended up being way too much so you're not making bad money no unless you know you just wanted a different career path which is totally okay and that's kind of yeah so you're in a little bit of deferment until how long until when uh i just got a notification that they're actually supposed to start again in august so your minimum monthly payment's probably gonna be like 150 bucks oh gosh i didn't know it'd be that much but probably i mean unless you're able to get on like uh you know there's different repayment plans you can get on yeah but even still with those like interest can accrue more and then if you're looking for any kind of forgiveness you know depends on job depends on life situation depends on the repayment plan but even still once you get to the point of forgiveness it also kind of depends on administration who's overseeing the department of education you know there's a lot of risk involved public student loan forgiveness that one is pretty darn good uh the statistics are screwed on it a bit where like almost no one makes it but that's because yeah a lot of the people who apply for it don't qualify for it already like legitimately so like excuse the statistic but typically as long as you're actually sticking in the job that qualifies for that and you just don't fuck up along the way you can get it forgiven but um but that's not even your situation anyway so i think it's gonna be like 150 bucks starting next month you said august so in a couple months yeah your student loans are 3 000 what's up with the payment on that uh 50 bucks a month i think it's down to which with covid we haven't been paying on them though yeah just restarted yeah i think last october yep yep well that's fine yeah um so 3 000 i think it's down to like 23 or 25 yeah 25 or something in there and then the mortgage what i love about this is the 2.75 % rate.

33:48So when did we get this house? 2021. Yeah.

33:53Yeah, that was a fun experience. And we're happy? Got our house? Yeah, we're happy with the house. It was just, we did it, we bought it sight unseen. What? Yeah. That's a f***ing choice. Yeah, kind of, but our realtor didn't even do like a final walk through. Yeah. fire the realtor. What are you doing? You signed on a home and a mortgage without a final walkthrough? We didn't know that she didn't do the final walkthrough for us until we were signing the papers. She didn't even show up to our closing. Who the f*** are you guys using? Yeah. That was rough. But the house is nice. It's a really nice house.

34:37Well, what's the issue then? We live in the ghetto. Was city clean? Clean has a bad part? I've never been to Colleen. It is the bad part. Oh, Colleen's bad. Isn't it just a military base? Yeah, the worst one in the country. The worst military base in the country? Yes. It's like there's a lot of murders. I've never heard that. We've had quite a few Colleeners. There's documentaries on Colleen. Vanessa Gillen. People going missing. I was just at work the other day, and she's like, yeah, another double homicide. And it was like a - 1.5 miles away from our house. Man, okay. Wait, so did you at least research the neighborhood?

35:18Yeah, the neighborhood looks nice. The neighborhood is nice. It's more so that, yes, it's the town as a whole that is not the best. So you don't like living in Killeen. Why are you in Killeen? It was affordable. We tried to move to Texas for comedy. Somewhere close to Austin, yeah. Yeah, and that's just where we could afford. What's the, well, I guess$161 ,000. Yeah, that's definitely difficult even in the far reaches of Austin. And I just didn't want to rent anymore. i was tired of renting i love the rate um honestly i personally love this purchase as long as it's in a place you like yeah well and it was uh it has its perks and it has its downfall are you guys gonna have kids and you want to raise kids there and all that that's where it kind of you're like i don't know so what's the plan with this because i mean the texas market in general has been in a little bit of a dip don't know specifically about that area yeah you know i mean probably when no one ever really knows i mean you still probably need to hold a home for at least like five years is the typical you know you know least break even hopefully yeah after all the fees and everything yeah which we're in good shape right now like we get a quote a monthly quote on what the value is what is the value like 230 240 now yeah somewhere right in there okay it's yeah so i think they say 161 119 dollars in the monthly payment with everything include is 1 ,523.

36:37Okay. That was an FHA loan. Yeah. I believe so we pay a little extra insurance a month or something. Sure. If you want to take your investing to the next level, my new investing course is still on sale until July 1st. We're offering the course for only $97, which is$50 off. You'll get over 55 lessons, the best budgeting spreadsheet, known demand, portfolio strategies, worksheets, retirement strategies, and I'll give you a$100 Moomoo cash reward when you sign up with Moomoo. Check out the link below for more. Stop buying sweet treats, people, and start investing. And then what is the 7 % debt? I don't know.

37:16$14 ,100. What kind of car? It's a Mercedes GLK 350. I can't even picture that. It's an SUV. What do you guys need in an SUV? She likes SUVs. We've had Jeeps. um okay and that's seven percent that's not great no it's not great what's the minimum monthly payment on this uh three ten these are stacking these minimum payments are stacking it's fourteen thousand one hundred fifty three dollars and ninety three cents okay there's also a checking account here and it's mostly just money's being sent yeah it's around in a franchise tax thing oh there's what it is so that's gonna be right yeah whenever like for our comedy shows yeah what when we sell tickets to comedy shows it goes into that account but that's what if you saw in the statement where we were paying out comics and stuff a lot of that you host your own shows why instead of getting booked uh like you said there's a lot of competition so you just create your own opportunity how do those go pretty good yeah they go pretty well most times where do you host them uh up in killeen we do stuff in temple we do stuff in georgetown so not in austin for hosting uh no not not usually when i'm in austin i get booked somewhere by someone else okay can you roast uh i don't like to okay that's fine yeah i just i don't like to be mean to people i'm just trying to find a way to destroy noah's life in the post show okay i don't know he did i don't know the order of episodes coming out but he destroyed my life in yesterday's post show so it is only fair that's funny uh a roast would have been good but obviously that's fine oh noah tells me we're gonna smoke cigars yeah i told you 50 bucks i love a little bit of cancer for people who subscribe yeah absolutely great that's all right checking account 348 that's actually dangerously not a great balance no when payments come to hit i see a little payment from comedy there cash up and out forty dollars thirty dollars etsy apple bill apple bill going to the gas station getting some bull getting some donuts so you're saying you're making no progress on things but let me look at the spending yeah spending's horrendous uh-huh we're doing uh parking somewhere parking somewhere sometimes you gotta park but uh sanito plaza probably another parking in and out going inside getting some bull from 7-eleven paypal and out 17 amazon there's your student loan payment uh dunkin donuts baskin robbins car wash gotta wash our car 14 it's your new car wait what year is it it's a 2014 2014 it's worth 9 828 dollars by the way we checked that's it yeah you're underwater five six thousand but good thing you're getting it car washed going to gas station getting some bullshit paying tolls getting our tolls for uh to drive that car pirate ship post pirate ship post that's sending out merch you sell merch is this successful yeah it is okay who's buying the merch me you're buying your own merch oh you mean like yeah it's other people i I thought you meant who's buying it bulk and then I sell it.

40:39No, who is purchasing your merch? Who's buying it? People that come to shows and people online. Yeah, friends. Not just friends. Well, the online stuff is mostly friends and family. And fans. She's putting you in your place. I guess. She's uninvited. She's humbling you. I'm uninvited. Yeah. It's always good to be a little humbled. You know? You're in there. Every day. well yeah i mean every day of my life i was just looking i wanted to see your follower count okay when it comes to you that's not too bad right three thousand so and that's just it's hard to market a lot of merchandise for just it is yeah absolutely but then facebook and again going back to the gas station getting some bulls with door dash duncan robbins and door dash duncan robbins great 524 and the savings only up 22 dollars and that's it's just a keep the change type of thing.

41:32See? Cash back. $22? Keep the changes in cash back. Essentially. I mean, it's the same. You remember the interest you lost on including your project was$248. But what I'm saying is in my head, it all makes sense. Until now. Until now. What would we like to do with your project? Okay. All right. It's enthusiastic. Yes. I didn't know if that was a real question. I wasn't sure you didn't answer. We're going to do it anyway. We are going to do it anyway, but I was hoping and you're like, whoo! You really had crayons. Well, markers. They're markers. Crayola. We're getting the crayon version pretty soon.