M*lf Exploits Young Vulnerable Men | Financial Audit

24:30But it's still 40 hours a week. So even if you're doing 40 hours a week, six days. No, wait, what? You said 40 hours a week. Yeah, it's 40 hours a week over eight days. It's 10-hour days. Okay. There is still time. Yeah, there is. 10 hours a day. That's one more hour than people work in their normal nine-hour shift. So you have time when you don't have kids. I'm poking holes to this because there just isn't, your logic is not sound. No, I have to sleep. No, I don't. I mean, well, I probably do have to. You're excusing. Yeah, you do. Yeah. You know, should I do the 24 minus 10? I drive. 24 minus 10, how much is left?

25:0814. And I drive an hour and 15 minutes one way to get to work. Minus three, minus eight for sleep. You have three hours left. You're okay. That is daily on the work days. And then even when you have your kids, you still have time because I bet they sleep. I bet they nap. I bet they go outside and play. They're homeschooled, so they are always. Why are they homeschooled? Stop. Why? Because I don't, because I want that. You don't even have them the whole time though. This has to be so complex for them. It is complex. And confusing. Just let them go to school. No. Let them have social interaction.

25:38Why? Because I don't want them to. We don't. Why? Because the school, the school system that they would be in is not great. Like the. Aren't you moving? Yes. Can they go to a better school system? No. Charter schools, anything? No. Mr. Choices? No. Okay. I'm going to keep them homeschooled. If they want to go back. And are you using that as a COPE? No. The school system? No, no, no. I feel like there's a deeper underlying issue here. No, because, okay, when we moved from, we moved from Massachusetts to Tennessee like two and a half years ago. And when we moved, my son is like on an IEP that they, the state of Tennessee was like, we're not going to honor this.

26:17We have to like redo his whole thing. Okay, but you have another kid. Yeah, my daughter was still in regular school for that year. And then last year. Is it just worth your time and worth their social interaction? They have friends. Okay. It's not like they're like. Minecraft friends? No. Well, I mean, most of my son's friends are on the video games, but they do have like real life friends. You said you have goons. He has goons. What? Right? Isn't that what you said the one time? That you goon with your friends on the internet? On the internet? Yeah. No. You said that one time. I have friends here in Austin.

26:54Yeah. And then, wait, how long ago was that episode, though? I don't know. I don't know what you're referencing. You said it one time, I promise. I mean, yes, we still like to play video games here and there. Okay, okay, okay. So anyway, regardless, the point is, they have friends in real life. They do. Okay. But now my daughter's home school, too. Okay. I mean, I think you just have bad time management. I have meal prepped in the past. I'm not going to say I haven't, but it is easier. Obviously, it's more convenient to, like, go through the drive-thru or go to Dollar General and buy a freezer meal.

27:28You have almost a set-up schedule that's perfect for meal prepping. Kind of. What do you mean? Because if I—because, okay, I will do my meals for four days because they don't hold forever in the fridge. Yeah, and you still have time left over. We did this—I want her to draw something. Can I have the whiteboard? Oh, f***. I want you to map out what a day in the life of you looks like. You know, this is full Lauren and eventually Jeffrey. What they do together. Map out your day. Give me what a day looks like. Because this is bullshit. You have time and you're using the, oh, I walk away, oh, I walk for all the hours a week.

28:09That you can't do anything. I'm not saying I can't do anything. So he homeschools, the ex-husband homeschools half the time? You homeschool half the time? No. No, they are in a program that, like, it's just a, I don't know what you call it. Stupid. It's not stupid. They're learning. Thank goodness, but. They're learning. How do you want me to do this? What do you want me to do? Map out a day. I go to work. I leave for work at noon.

28:40What do you want me to do? Hang on. No, because my day is convoluted. My day is convoluted. Then map it out. Tell me what's happening. That's what I'm telling you. 10 a.m. What? That's not the right word. That's when I wake up. Wake up earlier. I don't want to. What was that?

29:02Because, okay, hang on. Let me ask you a question. When you get home from work, do you immediately take your ass to bed? No, you don't, right? Right. So when I get home at 1.30 in the morning, I'm not going to bed at 2. Map out your day and we'll see the holes. Okay. All right. So two hours to get ready in the morning, I guess. No, I have to take a shower? Yeah. Yeah, a two-hour shower. Okay. I didn't say I'm in the shower for two hours. Well, we have 10 from noon. So this is two hours of who knows what the f***. Of life. Of life that you're doing nothing productive. Probably. No, that's not true.

29:38Make the food for the day. Sometimes I do. Not always. Not always because you spend$1 ,500 going out to eat. I said not always. I beat you to it, so. I don't know when I go to bed Like 3 or 4 What was that? What is that at 10.30? 10.30 p.m.? Oh, that's 1.30 Sorry 1.30 That's 1.30 in the morning Yeah, 1.30 in the morning I write everything on like a 24 hour time That's fine Bed-ish I'm going to write ish Oh, okay I can tell Listen, I'm not going to do it Because Yeah, you are f***ing with me And I'm going to 3 to 4 what? That's about bed-ish So you have an hour and a half there, hour and a half to two and a half hours.

30:18So I'm okay with waking up at 10, obviously, if we're going to bed at that time. But this shows that there is two hours here. Yeah. And 1.5 to 2.5 hours here to f***ing meal prep, to budget, to go through the class, to do things that actually improve your life other than just sitting there and being lazy. When do you see Jeffrey? When do you guys actually date? Does he even know your age? Have you guys had enough time together to even be able to tell him how old you are? You're right. You're right. How do you see each other? No, we met at work. So not current work. I used to work on a military installation.

31:00He's in the military too? He's in the military. He's in? Yeah. Will he be on disability? Probably.

31:09Listen, there are certain benefits you get awarded when you sign that dotted line and and you strap up some combat boots, and that's what you get. Sure, but it's disability. It's not permanent retirement. It is labeled disability. I'm good with it if it's like, yeah, get the VA loan and all this stuff, but that check I just wrote for taxes last week, and all of a sudden everyone in the world is on disability, not permanent retirement. If it is a permanent retirement plan, that we can talk about, and we can debate that in Congress. We can debate that as the public and the voting population. this is disability that you have to say hey I'm disabled please give me disability.

31:48You have to prove it. I know. You can't just say but literally everyone is able to prove it 100 % of the people but you get rated different I don't know. I know and you're not full rated but I get it but this is like all I'm saying yeah a lot of people do get it but it's something that you earn you don't just get it for all you get it for something that you go through disability is not if it was a permanent retirement if it was the f***ing, whatever, it's a pointless thing. The fact that 100 % of the people that have had it on the show and our deficit is what it is, I mean, it's 2 % of the entire federal budget.

32:27It's chunky. 2 %? 2 %'s chunky. How's 2 % chunky? Cut 2 % here, 2 % there, 2 % there, then boom, all of a sudden I don't have to pay as much as taxes and come to hire more people and invest in my business. Okay. And we can fund things that Whatever I'm bringing it all together again To just remind you guys Go to dollarwise.com You can bundle all of our educational programs together Including all our future ones Yeah, you get access to them And the premium version of our budgeting app For 80 % off We created this new program called DollarWise Central It is your one source of truth For all of your financial education And all of your financial tools I guarantee you this will change your life It has changed tens of thousands of other people's lives.

33:09And right now it is 80 % off at DollarWise.com. Click those links below. It just shows that we do not care about spending anymore, do we? Where do you think your finances are? Zero to 10, zero being the worst, 10 being the best. 0.5. Okay. If you want to see where you assess on the score of finances, take the assessment at calebhammer.com. It's free. Just take the quiz and you'll find out where you are. and you can come on the show by going to CalebHammer.com slash apply. And don't forget, if you don't want to be like a guest on the show, download my budgeting app, which has been rebranded to DollarWise.

33:45Download that, take the free trial, sign up for the annual version, and I'll send you our cookbook that cannot be purchased anywhere else. It's a budget-friendly cookbook, and I'll sign it, mail it directly to you, and join DollarWise Central, and you get the class that she took and all of our other classes just for one much lower cost instead of purchasing them individually. That also signs you up for the budgeting app as well. It's a program that makes it much more accessible to everyone so that everyone can sign up. Go to dollarwise.com for that. Okay, let us jump into Bank of America. Bank of America, where 2 % of the spending goes to you.

34:22What's going on with this? You see what's going on with it. What do you mean? Tell me what the f*** is going on. Come on. It's a podcast. People are watching what is going on with this card. Obviously, it's almost maxed. Is it? I don't know. I'm going into this blind. Okay, it's almost maxed. It's almost maxed. Yeah, it's basically maxed out. Why? What is going on? Because I spend a lot of money on it. It's the easiest card for me to use, honestly. That's why I use it so much. How so? What do you mean? Well, it's actually the easiest to pay off. That's why I use it so much. Which is why it's maxed out?

34:51Yeah. Which is why we only put, even though we spent$620 on it, we put$380 towards it? This is the easiest? What the fuck are we talking about? Well, it's the easiest to make the payment on because that's who I used for my debit account. So like it's to transfer the money from my debit to that credit card is easy as hell. Why? It's usually a button on an app. Yeah, but it's easier through that because then I don't have to like swipe to confirm. Well, what's easy? Blah, blah, blah. So one more thing? Well, yeah. So one more button and all we're incapable of paying on a credit card? I'm not saying I'm incapable, but.

35:23So we f*** our life on this card because it's slight, it has a little less friction to pay off? Slightly? Yeah. Huh? Yeah, that's why I use that card so much, because it's the easiest one should pay. Why use the card regardless? If you are not able to pay it off and it is accruing interest and it's borderline maxed out at$108.40 of interest on a monthly basis, and you can't pay it off, why are we spending on it in general? Even if it is easy to make a payment on. No, not pay off, but make a payment on, because it has one button instead of two. Why would we still put money on a card like this that is f***ing you, that is preventing you from getting to the goal that you laid out when we started this conversation?

35:59Because I didn't have the money in my debit account. Then why would we spend the money? Just because you get infinite money forever doesn't mean that you can just spend infinite money. It's not infinite, obviously. But honestly, there is a part of it. Let's just pretend like, okay, it's perfectly good. You should get that forever, whatever. And honestly, the majority probably do. I want to make that clear. But even still, let's just say, good. You get this, it's all chill. I think that actually hurts you because you know this money will come in no matter what. so why not just blow all our money because we're gonna get this even if we get laid off we get our disability forever and that gives you that cushion where you do not have to grind things out you do not have to actually cut back on risks because you get this cushion forever so even if you 100 deserve it or don't doesn't matter that i think actually damages your mentality financially but that cushion okay you keep bringing up this cushion that cushion is not enough to pay all of my life expensive.

36:57Not all, but it is more than anyone gets. That cushion covers my rent and my electric. And guess what? Other people, when they get laid off, they don't have something that covers their rent. Well, they can join the military too. No, they get something. No, it's not about whether you should or should not get it. We're beyond that part. I'm saying because you get this forever, other people, Lindsay, she's right here. If this business goes under and pretend she doesn't have an emergency fund, she doesn't just have this automatic money that is coming in. So she has to prepare her life for a world where she would need to figure out how to pay rent.

37:32You don't have to. So because of that, you feel this, you are enabled to go and spend this money that you do not have because you do not have to worry about not being able to pay rent if you do lose your job. Well. Does that not make sense? No, it does. It makes sense. Then what? So then what? What is your possible thing you're going to say? All I'm saying is, okay, so this card was also, oh, you're going to yell at me even more now. Because this card was paid off like two years ago. Okay, yeah. That's what you brought up towards the beginning. Okay, yeah. That card was paid off because I made more money.

38:07And lifestyle inflation is a real thing. Yeah, your lifestyle inflation, I'm being told, is getting a tattoo a single month. Every month is a single tattoo, which is not cheap. I mean, you have a Demogorgon. I do. It's dope. It's expensive. Say it for what it is, though. It's dope. Yeah, it's you not setting money aside to be able to take care of yourself if you do get laid off. I enjoy getting tattooed. You enjoy spending money you don't have. Therapeutic for me. I enjoy it. Cool. There are things that are therapeutic to everyone. If you can't afford it, you don't get to do it. A daily massage would be therapeutic.

38:39It doesn't fit in the budget. I don't give a f***. It's money. It's math. Yeah. So what are you talking about? I'm still going to get tattooed. All right, so you don't give a f***. No, I do get that. No, no, no, no, no, no. To be clear, tattoo is more important than the future forever and after with a little twink, right? He's not gay. You have to be gay to be a twink? Isn't that what that means? Maybe I don't know what that word means. It's a term in the gay world, you little homophobe. During Pride Month of All Months. I'm not homophobic. I don't know what the word means. Even though your tattoos are very gay.

39:11I'm old. They're not fucking gay. They're dope. My tattoos are cool. She's being homophobic again. Ladies and gentlemen, cancel her. I don't like you. My tattoos are cool. And I'm not going to stop again, because it is therapy. And I don't pay for therapy because of the VA. Good, and that's a good benefit. That's a benefit that makes sense. Which is what my disability's for. Listen. You piss me out because you act like I don't deserve it. I didn't say deserve, I'm calling out the system. But we're not going down this. Okay. We're not going down this in the right but whole. It's not specifically about you, it's about every single guest that's been on in three years.

39:45Okay, so I'm saying you are choosing tattoos over what you said was your goal at the beginning, which is you're forever and ever with your boy. Yes. I haven't been tattooed in a couple months. Oh, wow. We laid off for two months. But you still said, I'm going to go get tattoos. I am still going to get tattooed. So you are preferring that because you cannot fit it in a budget. You are choosing that over your future with him. Because again, they are conflicting. But if I get my shit together, then I can't afford to start a tattoo. But getting tattoos while doing that is not getting your shit together.

40:17If it fits. It won't. It won't. Does it afford to get a tattoo? No, it doesn't because you should pay off debts. Well, you don't know how much they cost. Okay. How much did the Damagorgon cost? $180. That should have gone towards debt. Yeah. Congratulations. But it's still... Okay. You don't like it when people say it. Listen. You paid off debt two years ago and now you're in debt. Do not pretend like you know what the f*** you're talking about. You don't. I'm not going to say I know what I'm talking about. Then why are you trying to defend this? Because it's obviously incorrect. Because it's$180.

40:44$180 that should go towards debt. If$180 was okay, you wouldn't be in debt. But you're in debt. So, f*** you. Shut up. Okay. That is ridiculous. Listen, it's borderline max out. How long does this take to pay off if you only make your minimum payments and you do not make any purchases on it, which you're incapable of? Probably like 26 years. 20 years. It'll be 55 and he'll still be 30. He's 10 years younger than me, Caleb. Not 30 years younger than me. We're getting Mission Barbecue. We're getting KFC. They're Cracker Barrel, Holiday Inn, Express, Patriots Dinner. See? Conk? Grand Prix. We spent a lot of money on that.

41:22$425 in interest this year so far. So it's all bull. Yeah. It's all bull. Max out a card that we can't pay off that is absolutely holding us back from our primary goal, which obviously is not our primary goal because we prefer fun over our boyfriend. That's fun for my kids. That's all during that vacation. Fuck your kids. You want them to have a good. No, not fuck my kids. My kids are incredible. Let me finish it. Fuck your kids. Don't you want them to have a good father-in-law? Well, then you should reword that. No, that's how I speak. That's dumb. You can't say f*** your kids and then say, f*** them kids.

41:52No, just because you don't have kids. Anyway, continue. Yeah, but I am saying your kids having this fun right now when we're obviously trying to prioritize having a father in the household, but you are delaying that because no way is that man going to marry someone who's completely f***ed financially. He's not going to allow it to go to the next step. So the kids are moving in as well, obviously, then? Yeah. If you aren't earning up to$5 ,000 every single year just for holding your investments, then honestly, why are you even still with your broker? Today's sponsor, Silo, is the world's first cashback investing platform.

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44:54And now you're dead. And no, it is not. Thanks to David Ramsey. No, it's not. But my kids, my f*** ups are not my kids' fault. So my kids still deserve to have fun. However, they have to deal with the consequences of mother's f*** ups. That's how it works when you're a parent. No. Yes. They can deal with the consequences of their - You don't think they have to deal with the consequences of your actions? They can deal with the consequences of their own actions when they're adults. Your actions radiate to other people. Who would have thought that your actions actually impact people outside of yourself?

45:22Who would have thought? Welcome to motherhood. It's almost like I've been doing it for a while. I know. Yeah, and f***ing it up. I'm not f***ing up parenthood. Financially! I'm f***ing up my finances. I'm f***ing up my finances. Yeah. And your finances impact them. When my parents were financially f***ed, it impacted me. Doesn't mean they were bad parents, but that finances still impacted me. It doesn't impact them because they still get to do what they want. On your credit cards, and then your credit cards are going to get maxed out. You're going to get f***ed. And I have to pay for it. Things are going to get pulled away.

45:54You're going to get repoed. They're not going to be uptaken places. when your credit cards are maxed out you won't be able to afford to take them to the next things and they have all these nice things that are used to doing then they won't be able to do it they won't be able to do the sports things they won't be able to do the extra things you won't be able to buy them the next minecraft when that comes out so that your kid can play with his minecraft friends it's not minecraft it's my daughter's hair and guess what when the credit cards maxed out you won't be able to afford that because you already said you don't have enough money in your checking account so you are f***ing her over and you don't have a safety net you've pulled from retirement.

46:26Your safety net just covers rent. Good luck affording food if the boyfriend doesn't want to be there anymore. You are putting them at risk. If you do not see this, this is incredibly dangerous. They are not going to be at risk. How? Just because you don't want it because it doesn't sound nice? That's not how this works. No, because my bills get paid first. The world is not fluffing rainbows and unicorns. Bills and necessary expenses get paid first. Until you can't! People don't pay bills sometimes. I had foreclosure notices on my house growing up because financial consequences have actual consequences.

46:59You could end up there. You don't know if he's going to stick around. You've only been dating for a year. Even without him, I've been obviously paying all of my bills by myself. Incorrect. You're two years into maxed out debt. You are not paying bills. You're going into debt, lady. That is not paying bills! I'm going into debt to buy bulls. Can I have the whiteboard? I can't believe I have to draw this f***ing diagram, but apparently I'm dealing with a child. Should have sent you back to grade school Outside of the military Hey lady If this Are your needs Okay that's your needs right Do we agree this is all your income That's your needs Actually no the full thing is your needs Because you're taking care of it Oh we want to spend this much of our total income On PS how do we do it Oh we put it on a credit card Meaning you're actually f***ing in order to afford this bull right here you are delayed it and putting it over breaking the marker caleb calm down jesus christ wait push that thing you are you are you are pushing it over you are pushing it over to the credit card you're gross sorry lindsey i have broken your jesus you already broke it she said you broke it last week we need stronger i think if you just push the top piece down it'll be okay.

48:22Hush now.

48:25Sorry. No. Because of your bullshit you are essentially in a mathematical way putting your needs on a credit card as well. You're just choosing what is being put on credit cards and what's not. You cannot afford your life you are not paying your bills you are going further into that fuck you. The fact that you do not see these consequences of your actions that you do not see the potential why I have anxiety around it that you do not see what consequences as you might face are going to put your kids in a dangerous spot and it is not fair to them and it is because of your motherhood. That is the reality.

48:55Okay. Quicksilver. Mm-hmm. What is going on, mother? That one is also close to maxed out. I think the max on that one is$2 ,600 and it's at$21. So also almost maxed. $68 minimum monthly payment with a balance of$2 ,102.46. Yes. Borderline maxed. Close to it. You'll be there before you know it. You spent$1 ,040.46 on it with interest of$47.52, hitting 13 years to pay this one off if you don't purchase. And we know that you cannot do that. So what are we doing? Oh, good. It's the important things in life. Whataburger, Creations Buy, Cookout, Westbrook's Coffee, Hotel.com, the Karate Resort, the Karate.

49:44It's Kalahari. It's not Kalahari. Oh, Cartwright. Cartwright. Cartwright. Yeah. Cartwright Resort twice and then Hotel.com again. Or is it f***ing around? Why is it twice? Wait. Can I see it? Let me see it. No, seriously. Let me see it because, okay. Wait. You bought your kid a horse? Yeah. What? You bought your kid a horse? Okay, this is two charges. You bought your kid a horse? We can talk about the horse in a second. This is two charges because it's a resort hotel, but it's also like a - I don't give a f***. It's all bulls***. There's not one necessity on there and you bought your kid a fucking horse.

50:19I bought her a horse for her birthday. You don't. Your finances are fucked. You're buying a horse? Yeah. You know the... The horse doesn't live with us. Which means it costs money to store somewhere. Nope. She lives at my dad's house because my dad has 11 acres. And you don't have to pay for food. Your dad has chosen... I pay for the food. I don't have to pay to board the horse. And doctor appointments? I have to pay for her to get shooed and I have to pay for her dental. I don't know what to do with a horse's tooth. But... What are you doing? Why? My daughter wanted a horse. Yeah, and it's not even at her house.

50:54No, but we see it. How far away is father? Just like seven hours. Oh! But again, I have six days off. I have six days off, and my kids are homeschooled, so we can go during my six days off. Schooled. Yeah. They are. For fuck's sake. Well, it's summer now, so it doesn't even matter. I'm sure they're learning just as much. That's That doesn't move They do learn

51:23Karma Ew Yeah ew I agree How much is the horse? I paid like a grand for the horse And any when you get to my checking account The yearly maintenance is not cheap Yeah when you get to my checking account Any Zelle transactions that you see are to my dad for the horse And it's seven hours from you. You're buying a horse for your kid. Yeah, she loves her horse. She named it. She gave it. She gives it everything. I got her. Listen, if my if she didn't get it, I would have bought her something else that would have been probably just as expensive. Like sympathy buying things because you won't let her go outside Monday through Friday.

52:05They go outside. They ride their bikes all day. They do school from like nine to noon and then they ride their bikes and do what they want. Nine to noon. Quality education. No. Ladies and gentlemen. It's set up. When you go to regular school, you're in however many other bullshit classes. How old is this, by the way? How old is this? How old is yours? Like five. They live to like 30, right? Yeah, they live until they're like 26. Great. What a commitment you've made. This wasn't a one-off spoil. You were committed to this for a very long time. Yeah, I am. But if I. Yeah. Listen. It could be 60, right?

52:37I keep things even across the board because, like, so if I buy my son something, like— Oh, for f***ing sake, what are you doing? I bought him a PC for his birthday. I had to buy my daughter a horse. And Morgan Wallen took his— When was the last time your son has seen the son? He sees it every day. They ride their bikes all the time. They do. We live in, like, at the end of a cul-de-sac. I'm just a little concerned that he's homeschooled and just plays Minecraft all day with his friends. He doesn't play Minecraft. He plays like Rainbow Six and like Apex and like that. And he wants the new GTA, which I'm not buying for him, but he wants it.

53:13But he earns his own. I'll fit it in the budget for him. No, he earns his own money because they have green light accounts. I'll fit it in the budget for him. They do chores. It's already, well, it's not in the budget because I don't have a budget. I'll do a GTA budget. No, he doesn't need a GTA budget. He does chores. He has to shoot. Listen to me. He does chores to earn his own money so that he can buy the shit he wants, like his bullsh** skins or his games or whatever he wants. Oh, he's going to be looking at all the skin in GTA. I'm sure he already does. He has a cell phone, and he's 13. I'm not an idiot.

53:50I don't want you to make it gross. What are you? You just wiped your nasty coffee spit all over the paper, and you're calling me gross? It wasn't spit, lady. Whatever the hell it was, it was disgusting. What, you want some? No. Want some coffee film? No. Calm down. I'm going to go downstairs and get coffee when we're done. Don't worry, boyfriend will pay for it. He better. With his disability. He doesn't get disability. $234 in interest charges here so far. Get it together. I mean, allowance can be good. I like that. I'm vibing they're working with it, but how much are they being paid? They get$10 a week.

54:23They have to complete their chores and mark it off. I vibe with it. And they get$10 a week. I vibe with it. How much does this computer you bought for him? $6.50. Okay, so it sounds like you did not actually balance it out. He gets other... Does he get upgrades for the next 25 years while you pay for the house? Well, he got... Horse? He got DLC for Elden Ring. The last DLC that came out. You're paying for the horse for 25 years. You're buying all his upgraded components for the next 25 years? He gets other... For the next 25 years? No, when she turns 18, that horse is her problem. That's not my problem anymore.

54:52Oh, what a gift. Here, here's an expensive thing that you have to deal with for the 50th. She wanted it. She's 11. Yeah, that's going to be her problem. She doesn't know what she wants at 18 from 18 to 35 when she has to pay thousands a year. And if she doesn't want to deal with it after that, then she can make the, she can sell it. People will still buy older horses. She's not going to be like ancient. So you're going to make her have to sell a horse because that's sad. That's her own decision. That you are making her choose at 11. No, at 18 when she's an adult. No, 11. You are being like, here, here's the thing that you either have to sell something you love or spend thousands of dollars a year for the next 15 years of your life starting at 18.

55:28That is what you've given her. Well, if I fix my shit, then I can still help her pay for the horse. That's like giving her a$5 gift card to Best Buy. You know you're just going in there and making them spend another$80 at minimum. But if I get all of this taken care of, then I can still help her pay for the horse. Yeah, so there you go. So now you're paying for it for the next 25 years. Well, then I'll pay for it for the next 25 years. And you're okay with that? If I have to, then yeah. What a joke. You do what you have to do if you do something for you. But you didn't have to do this, lady. Yeah, I did.

55:54Okay, but I made the choice. The choice was made. But the fact that you are just fully okay with it suggests to me that we will make as equally as a absolutely incredibly dumb decision later this year. Probably not. That's why we talk about what's happened recently. Because judging based off of your responses and how you defend it, how you feel about it, that just shows what's actually going to happen. Okay. Going forward still, we have an Apple card. What's going on with this? That one's the easiest one to use, so it gets used all the time. Are you stupid? You literally said that for the first call.

56:27I said that that one was the easiest one to pay off the Bank of America. Off. Classic Tennessee accent. Off. We'll play a off. I'm from the Northeast. No, I'm paying off my f***ing credit card. I didn't say I grew up in Tennessee. Okay. I don't know. My f***ing horse. My apple card. Are you done? Yeah. Anyway, I didn't say that that one was the easiest one to use. I said it was the easiest to pay off. This one is the easiest to use. $2 ,221.88. God damn. Minimum monthly payment was$71. I can't even speak in this. Maybe if you speak like a proper American. I'm, okay, well, I can't help where I was born.

57:07So, this one's the easiest, so you must be spending. They're crazy. Oh, we do. It's just like bullshit on the last two cards. This is the third card, which is also continuous bullshit. Yep. Apple, scooters, Apple, Apple, Dutch Bros, Apple, Starbucks. Nothing but cake. That was for my son's birthday. I don't give a fuck. He needs a birthday cake. Happy birthday. You're 13. He needs a birthday cake. Go out and mow the lawn, you little... He's not. Apple, Apple, Apple, Apple. Mythical Society. Yeah. Guarantee you it's not as good as our YouTube membership? It might not be. It's not. But I love Rhett and Link.

57:39I do too, but... And my kids watch them too. Well, yeah, they shouldn't watch me. Yeah, exactly. They do though. You bleep it out, so it's fine. It's true. But I'll leave this one in specifically for them. Cunt.

57:55Don't bleep it. You might get demonetized. No, not this far in. Pull out your phone. What do you want? I want you to open your phone. Okay, to what? For me to snoop around. 26.24 % interest rate with$190 of interest this year so far. I'm not looking at naughty things. It's fine. It'll be fine. Oh, we have lots of little Apple purchases in there, so I've got to see what we've got. We have every dollar plus. That's fine. As long as you're using a budgeting app, I, of course, prefer DollarWise the one we made. I don't like it. Hmm? I don't like that app. When's the last time you use it? I use it, well, at the end of the month when I like did all my budgeting.

58:32Well, not all. Which app don't you like? Every dollar. Every dollar? Yeah, it doesn't connect to all accounts, number one. Ours does now. Number two, it's very convoluted. Ours isn't. With like, it will sometimes think that things are expenses that aren't. Like if you make a payment on a credit card, it counts it as like the dollar going up. And that's why we've implemented expenditure rules where you can go in there and say this is not actually. This is putting money into a credit card. That's what it does on there. We fix that. We actually do that. Yeah. So I have to like change it. If it's a credit card payment, I have to change it from thinking it's like income or whatever.

59:04So we have every dollar plus. You get ours for free forever now. So you can just cancel that. And then you Google photos. Happy scale. Yeah. That's to monitor my weight. You need to spend money on that? Well, I pay the premium so that I can keep track of like. Your fitness pal is free. But that keeps. My fitness pal. I don't know if MyFitnessPal does the same thing. That keeps track of like over time. It does. Like whatever. Well, that's why I pay for it. But you don't have to pay for MyFitnessPal. Okay. Well, then I'll do that. Then I'll do that. Okay. And then iCloud Plus. And then we had What Color's Premium.

59:40I Am Daily Affirmations. All right, calm down. That's for my kid. That's my daughter's phone. Huh? My kids have subscription. The what? The fancy widget things. Your son's applying to LinkedIn. Oh, no. The LinkedIn was mine, obviously. EMT subscription. MyFitnessPal. Oh, there it is. That was from a long time ago, though. Snapchat. You had Snapchat. Plus, I'm glad you canceled that. Lose it premium. Really trying every app we can get, huh? How old is that, though? At the end of last year. And then trap call. Reveal no color ID. Yes, because somebody was calling me and telling me, saying disgusting things to me.

1:00:14So they were calling me on a no color ID. So I downloaded that so that it would show me the phone number that they were calling for. What were they saying? Gross. Well, like what kind? A male person, a man, was calling me and saying, like, we used to fuck all the time. And I was like, who the fuck is this? I don't even know who you are. And he was like, enjoy the herpes and hung up the phone. Yeah. That's weird. So I wanted to know who it was. Did you get a test? What? A herpes test? I get tested every year. Why? You have one guy. What do you mean? Well, yeah. What if he does something? You guys open?

1:00:45Plus, we have only been together for less than a year. You don't trust that. No, no, no. Hang on. Hang on. Hang on. Hang on. You would do something? Listen. Do you not trust that he wouldn't? He wouldn't do anything. He wouldn't do anything. Isn't that the point of a relationship? But we have also not been together for, we've only been together for a little bit under a year. My last partner was the long distance. All right, all right. She doesn't have herpes. I'm announcing it here. My goodness. Okay, you're being sick. For the sake. You're dramatic. I'm just trying to move. You asked the question, Caleb.

1:01:08I'm answering it. I know, and then you rambled. Well, welcome to life. You bought a dad mug and a baseball. Not much on Amazon. Okay, but we do have three things in the cart. But we have Ben's Original Ready Rice Jasmine Flavored Edition. Three of them. Yeah, I buy that for work, for my lunches. I wasn't freaking out about it. See? Huh? I do the right thing sometimes. It's within the collection of everything else. Who knows? Who knows? Who absolutely knows? Okay. Oh, my. You have a credit. One card. I don't use that. That is the dog of cards. I know. And I got that when my credit was like a 510.

1:01:47That was the only place that would approve me. I got approved through them. And then the capital won't. What? You have a late fee. No, hang on, hang on, hang on. Yes, you do. Calm down. Okay, calm. But you do. I do. You're right. I didn't say that I didn't. Calm down. It's because when I, okay, so I called them to close that card, right? And they were like, we'll waive the fee for six months. So they waived the monthly fee for the six months. and then when it started back up, it was on auto pay and then it wasn't on auto pay anymore. What? That doesn't make sense. How can you be on and off auto pay at the same time?

1:02:22No, I think because I stopped the auto pay. Why'd you stop the auto pay? I don't know. It was a, I don't know. Because they said they weren't going to charge me. So you deserve this, Levy. Yeah, I do. Because I didn't make the payment. I f***ed it up because it was on auto pay and then it wasn't. Why didn't you close the account? I tried to. Every time I try to call the, okay, these people are f***ing like terrible. Yeah, Carter Wins, Wins. I know you hate them, But they are awful because I've tried to call that. I've called them like three times to try to close that card. And they every time are like, well, we have the fee for six months.

1:02:50And then I tell them, no, I still want to close the account. And they go, OK, we'll just up your limit. So now my limit's at like$700 instead of. But I don't I don't have that card like that card has got cut up like six years ago. I haven't seen that card in forever. I don't know what it is. But yeah, I've tried to close that account several times and they just bully you into like not closing it. Well, don't let them bully you. I try. Stand up. I suck. We'll have the boyfriend hop on the mic. Listen, you're not a credit card person. You can't use credit cards. I know. For you, I'd use the Fizz card.

1:03:17It's a debit card that builds credit. It's pretty simple. I'll also get you connected, if you ever want, to get, you know, resume beefing up with, like, a course career certification. And also, because you're a guest on the show, we'll get you into therapy with Sondermine, which I use and I recommend for the audience as well. So lots of things we can connect you with, okay? Okay. Amazon Chase Card Well we just looked at the Amazon Wasn't too much on there But yet the balance is horrendous Little bits of purchases You paid a little more than your minimum payment Minimum payment is 60 bucks Takes 8 years to pay off if you don't purchase But you did And then$43.49 of interest accrued That's not a purchase I mean it technically is But that's a crime thing And the balance is$1 ,743.49 Which is borderline Again close to the max just like all the other ones except for the credit one.

1:04:09No surprise. So what's happened? What's up with this card? Why is it still so high? $180 of interest accrued this year so far. We're at least$2 ,000 of interest this year. Oh yeah, easily. You ever have a brilliant idea for a video and then immediately you realize you have no idea how to actually make the video? Yeah, welcome to being a normal human being. And that is where InVideo AI comes in. Literally all you need to do is tell it your idea. It can be anything on your mind. Like, make a one-minute video about the emotional rollercoaster of checking your portfolio every five minutes. At first, Emily checked her portfolio once a day.

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1:05:52What I want to do is. You say that a lot. I do. Yeah, because I have problems. What I want to do is do a balance transfer. Why? Don't yell at me. I'm going to yell at you. Because it's 0 % interest. Yeah, but why would I say don't do it? Because I'm not a credit card person. No, why would I say don't do it? Try it again. Oh, because you're not clearing out the debt. You get a false sense of like competing. That's what David Ramsey would say, and he is true on that, but why would I not say it? Come on, you watch the show. I don't know why you would do it. Why? Really? Yeah. because you're just going to rack this back up all the way again because you haven't changed your behavior.

1:06:30I'm okay with you taking tools like debt consolidation. I mean, we have that. One of our partners is that for student loans, and I'm okay with that. And again, I'm okay with bankruptcy. I am okay with credit card balance transfers. But not until you change your behavior, or else you will just ramp up the debt again. And then you'll be in a worse position because then you have double the debt to pay off. And we've seen it happen with guests on this show. So you can do those, but not until you change your behavior. And still last month, even though you brought in more money because you pulled out of your retirement, you still spent over$1 ,000 more than came in.

1:07:02So fuck you. You are not credit card transferring, consolidating, bankruptcying. No. And they're telling me you think this is the magic bowl to get things back on track? Fuck you. Not until you prove you've changed your behavior through budgeting for at least three to six months. Maybe I should take the budgeting class this time. So then, I will. So then at the three months, then I'll open up the$100 ,000. If you prove it perfectly. Yeah. He has to actually make progress on proving that you're paying off debt and you're not spending money on bulls**t in your budget. Okay, so then in three months.

1:07:34So if you come back on the follow-up channel in three months and you prove that, I will give you the green light. But if you come back on and I see you've been f**king around, f**k you. Absolutely not, because you'll just do yourself damage. Well. Well, what? I'm probably going to do it anyway. Yeah. If the behavior will change. Yeah, great. Why not be like the median guest on the show that's paid off$10 ,000 in 10 months? Why not be like a better person? Why not improve your life for the sake of your kids and future husband? Why not prioritize just your fun self over actually improving your life?

1:08:08Why the fuck not? Let's prioritizing not paying interest. Shut up. 28.24%. I'd rather not pay interest. Because then you will just build up the debt again. I've seen it time and time again. You are not going to be a unique subject. You got to follow the system. Best egg? What's best egg? A personal loan. For what? From when I moved to Tennessee. Because, and you're real. See, this is why I say it all the time. I had a lot of money saved up, which was, I know, okay, a lot is not a lot. But I had like 15 grand saved up. Yeah, that's a lot. And I didn't want to, which was dumb. But I didn't want to pull from my savings because I was afraid I wasn't going to put it back into the savings.

1:08:50So I took out a loan to get the U-Haul and move everything. Are you a lesbian? What? No. Keep going. What the f***? Why was that a question? Keep going. That's the end of the sentence. That's at a 17 % interest rate. I know. That's insane to take out instead of keeping money in your savings. Because even at the best savings, you're getting like 5%. I know. Yeah, that's what my high yield at the time was at like 4 or 8. because that was when the rates were really high. But yeah, that's why I did it because I was afraid I wasn't going to put the money back into my savings account if I took it out of my savings.

1:09:25I had myself convinced. So instead, years later, we pay a 17 % loan. Great. Yeah, that's what I did. And this was to move? Yeah. 17 % interest, minimum payment,$190.41. Current balance,$3 ,371.41. When did you take this out? When was it? 2022. Oh, like three years ago? Yeah. And we're still paying it. It's not going to be paid off for years to come. Probably. What a joke. It's probably like three more years. That's so stupid. And now you don't have anything in savings, do you? No, I have like a grand.

1:09:59So it didn't even work in the end regardless. No, because I used the money in my savings for my down payment on my car. Yep. So there's a car loan in here? Oh, yeah. But I love my car and I will never sell my car. so don't even suggest that. Oh great, a piece of metal with wheels. That's what we are damaging our entire life for. That car doesn't last until I'm dead. I don't care. It's a Toyota. It'll go forever. I don't know. We'll see. We'll see. We'll see.

1:10:32Is that what one main financial is? Nope. What the f*** possibly is this? Because this balance is insane. Yeah, that's pre-computed, by the way. That's why the balance is so high, because it's pre-computed. That was a debt consolidation loan That I did not change my behavior for That I'm paying for So you're willing to do it again? Are you f***ing kidding me? No, I'm not willing to do it again What do you think a balance transfer is? But I see how much this s*** sucks You just said you're going to do a balance transfer again regardless Yeah, but I see how much this sucks You're not listening to me What the f*** are you talking about?

1:11:03You're not listening to me This sucks To have to f***ing pay this off And then still pay off all these credit cards So I don't want to do that again Yet you're going to do a balance transfer regardless Because I don't want to do that again That's what I'm telling you But then your balance out of that credit card Is going to go to zero and you're going to build it all the way back up again It's going to be the same thing Why would I do it again when I see how much this sucks Because before And just like everyone else that does this You will do it again because that is your behavior And you do not change your behavior If you don't change your behavior Like I said, if I change the behavior You're worse than my kids dude.

1:11:42God, you like throw tantrums. Do you know that? But at least I'm trying to achieve something positive where your kid just wants to go to Great Will F***ing Lodge or something. We've never been there. That, I'm telling you, sucks and I don't want to do this again. I don't want to have to pay this. Don't want to, yet you will because that's what everyone does. Almost$600 a lot. You think you are a unique individual. You are not. You're just like any other f***ing human that exists on this planet. I know that. I'm not saying I'm special. And trust me, you're like every veteran that exists in the United States.

1:12:09So... This is my f***ing point. If you take it down 17 notches, this is my point. I don't do that. This is my point. It sucks to have to pay a$600 a month payment on this f***ing loan and still pay off all these credit cards. That means nothing. That means nothing. That's what my point is. That means nothing. Well, then it means nothing. No, it literally doesn't because I've seen other people do this. You're going to be just like them if you think you're not unique. And like I just said, if in three months it's different, then you can't talk and you can't yell at me for opening up a bag. Yes, I agree.

1:12:42I would love to have a positive follow-up with you. All right. Nothing indicates we'll have that so far, but people have proven me wrong before. We'll see if you do. But people have also given me positive hope, and then they've come on, and they've gotten worse. So there's multiple things. So balance,$29 ,092. Minimum monthly payment, is that? The minimum monthly payment's like$600. Oh, is that$290 times two? Yeah. Because you pay it twice a month. It's$581.84 a month. That's insane. Yeah. It's more than my car payment. What's the interest rate on this guy? Like, f***ing 20-something percent. Oh, 24 percent.

1:13:17Yeah, it's terrible. What are we doing? And yet you blow all your money going out to you and having fun instead of actually taking care of this. Because you talk about how bad this is and how much you regret this and how much you want this gone. Yeah, you don't put anything extra to it. All you do is spend 3 ,000 hours a month on bulls***. What I've been putting extra to is my balance because snowball is the method that I think will work. You spend three. When we talk about snowball method, if we're talking about David and if we're talking about me, no one says go blow$3 ,000 a month on bull. And then spend money on your credit cards as well.

1:13:53Okay, but I'm telling you what my extra goes to because that's why I'm not paying extra towards this. Extra? You spend more money than you make. What are you talking about? You don't have extra. You just move things around and you pretend like you do. No, you don't. Shut up. You're right. That is not true. Okay. What the fuck is this? Student loans? Yes.

1:14:12Isn't that one of the benefits that you get? Yeah, the government paid for like three degrees for me. Oh, for f*** sake, you're getting this many degrees in your own... Hang on a minute. I started with... It's just a waste of time. It's opportunity cost for you. It wasn't... This is a very long story that was super... But it's as short as possible. Let's do it in two minutes. Yes. When I started going for my associate's degree, I told them I wanted to do something medical. They said, we have RN or OTA. And I chose to do RN. So if you do all the prereqs for RN, you end up with a general studies health science degree at the end.

1:14:45So during that time, I did a phlebotomy course so that I could get my foot in the door at a hospital. I need a phlebotomy after this one. They don't do those anymore. I know people. When I became a phlebotomist, I realized I could not be a nurse because I can't deal with people for 12 hours a day. Yeah, I'm starting to learn that. I don't like people. So I realized I couldn't do that. I'm glad you homeschooled your kids. The phlebotomy professor was, my kids are very people-y. Anyway, the phlebotomy professor taught the lab science program, and she was like, hey, apply for the lab science program.

1:15:16So that's what I did. And I got the two-year degree, which is an MLT, and then I went back for my four-year degree, which is the MLS. That's how I wound up being an MLS. But they paid for both of the associate's degrees. Are you paying on these? Yeah. Some of them are at 8%. Only one of them. Yeah, but the second largest. Yeah, one of them's at 8%. That's pretty chunky. That is what I had the remainder of what the government wouldn't pay for for my degree. $21 ,503.63. What's your minimum monthly? $2.50. Yeah, okay. So it sounds like you're on a traditional payment plan. Yeah. Good. I prefer that gets rid of them in just 10 years.

1:15:52Yeah. But that 8 % one, I would try to attack that. Toyota. That's the plan. Okay. So here's a special little car that you've gone over. And I'm at$4.9, so that's a better interest rate. Yeah, it's better than what? Well, I'm saying it's good. It's fine. It's better than what I've had. It's fine. Yeah, my first car was like 26%. Well, that's you being a moron. Yeah, because I didn't have credit. I had credit. You still signed up for it. Yeah, I did. Okay, so our balance is$20 ,210.31. The minimum monthly payment of$508.79. Yep. That's chunky. Mm-hmm. Did you really need this much car, though? How much is it worth?

1:16:35Like$26 ,000,$27 ,000. $28 ,000. Yeah, Toyota holds their value. You know what's good? Don't tell me to sell it. Sell it. No. Sell it. No. Sell it. I have it over halfway paid off. It doesn't matter. Listen, the fact that we can wipe off$20 ,000 a day and you can get basically a paid-for car. You can get a paid-for car with the equity position you have. Basically, the extra$1 ,000 saved up and it will be a good car. It will be a fine car that is comfortable, safe, reliable, that you get signed off by multiple mechanics, you're not willing to sacrifice anything. Come on, this is like the literal easiest sacrifice you can do and you're not willing to do it.

1:17:09It's a car, who gives a f***? It's a car, who cares? But this car is also safe and reliable. The car I had broke down. Yeah, and we will get you a safe and reliable car. Cars weren't all magically dangerous five years ago. We will get you a safe and reliable car. I don't want to sell my car. You don't want to? I don't want to do a lot of things that I need to do. I don't want to have this conversation, actually. But it's my job. So, I'm here. Well, I'm not going to sell my car. You're not willing to do anything. then why the f*** am I talking to you? I'm willing to do things but I'm not willing to sell my car.

1:17:37No, this gets rid of borderline 30 % of your debt. It gets rid of a minimum monthly payment. This is$508 on a monthly basis that can go towards paying off other debt quicker. This accelerates your process so much quicker. What the f*** are you talking about? Why the f*** am I entertaining my time with you instead of someone who's actually willing to do something? What a joke. That is going to piss me off like actually. Because that car is going to hold its value. That doesn't matter. This is talking about paying off your debt. You can have a$10 ,000 paid for car that would get approved by two mechanics that will last you years.

1:18:09Reliable and safe for you and your family that you'll be able to take them around and that you are able to then translate. That's going to be a paid for car. You're going to translate this$508.79. You're going to have lower car insurance because it's not on a leveraged car. So that also helps. My car insurance is cheap. It's going to probably be even cheaper. and then you're going to roll these minimum monthly payments over into your credit cards that you'll pay off quicker. This minimum monthly payment pays off your Amazon card in three months alone. Alone. Just this minimum monthly payment. This accelerates the process immensely.

1:18:44Come on. You have to be willing to sacrifice. Come on. I'm willing to sacrifice, but I'm not. No, no, no. I'm being so serious right now. I am being so serious. I know we're with each other a little bit and it's fun. We're having a good time. Okay, good. Listen. this seriously you can get this car you can get a nicer car in a couple years again this accelerates your process so dramatically and it is so worth it it is so worth it it is a temporary sacrifice you have to do this please please please for you i know come on i've been through the process i paid off debt i've helped other people pay off the debt we've done three years we teach classes on this okay we've built programs i've talked to experts we've worked with experts this is the clear path they're the alternative no one would suggest the alternative Come on.

1:19:27I will take a harder path to not get rid of my car. I'm not. What a point. That's so pointless. That's so pointless. No, I'm not. I have been paying on this car for two and a half years. It doesn't matter. Don't sunk cost it. Don't sunk cost it. It's not a sunk cost. I only owed 19 something and it's worth 20. Why make that excuse if it's not a sunk cost? It's going to hold. Clearly, it's going to hold its value. I owe less than 20 on it. But that's not what matters here. What matters here is paying off your debt. Because your debt situation is scary. And it puts your family in a risky position.

1:20:01And this is about your family, not you enjoying the seat that you're sitting on while you're driving somewhere. That car is safe for my kids. We're not going to get a dangerous car. I'm not putting you in a f***ing 1950s. I'm not saying you're going to put me in a f***ing movie. Then why bring up that argument? Because it's a f***ing argument. I had a good car before this that broke down on me. Like, with my kids in the car. I'm not going to get you in a car that is not signed off by multiple mechanics before you. I would sign that one on a shoe. Exactly. Well, then, what? My brother and my dad are both mechanics.

1:20:30They both agree. There you go. No, we don't use family. We don't use family. You are using impartial sources. Okay, you're right. That is correct. However. There's always, every argument you make, there's a hole in. That car was still signed off by multiple people. That were your family. Or family friends, yes. Also still shouldn't be doing that. Look it up. There's a lawsuit against Kia. There was a lawsuit against Kia. It might have been settled by this point. But there was a lawsuit against Kia for their motors just blowing up. No, they gave me a new motor. But I was not willing to. I wasn't going to keep the car that just broke down with my kids in it.

1:21:05When two and a half hours from home. It's not about that. That doesn't mean you can't get another car again for the rest of your life. That isn't toy fucking Yoda. That's why I got this car. I just said it wasn't toy Yoda. What do you mean? That was a Kia. I like this car. I'm not going to get rid of it. You're a joke. that prioritizing what you like is bad finances. It's not just about likes. That car is safe, is reliable. I'm not getting you a non-safe, reliable car. You can't bring up that argument. We're not getting you a bad car. That is a false argument. That is a cope so that you can keep this car.

1:21:45You are lying to yourself, and you are putting this over the future of your family.

1:21:52That's disgusting Maybe we can revisit it But at the moment, no You're saying that to move on That's fucking bullshit I'm not gonna hear it What a joke Good job, mother Of kids who you can make their lives better If you were actually willing to sacrifice for a little bit Come on What a joke It disgusts me Right now that pisses me off that pisses me off you have the easiest path to get towards this and you can take it and accelerate$500 a month a little more maybe an extra$50 a month with car insurance towards your dad pay off your dad it'll be quicker this is a fun one I get to get you free money and then I get to get myself free money it's a pure win win for both of us what do you have to do?

1:22:40sign up for a SoFi high yield savings account and get a welcome bonus of$300 sign up for Acorns using my link and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional sign-up methods. So use the links in the resources section of the description below and get yourself$5 ,320 right now. $50 in your checking account? Yeah, let's keep a$500 minimum payment around that we can't afford when we have$50 in our checking account. That's smart. Good thing we don't have a family.

1:23:18Oh, wait. Spotify,$20. Did they raise prices, or you got multiple people on there? I have the family time. Timeforlearning.com. Canvas. That's my kid's school. Stopping and getting some BS. You know what school is free? Public school. Klarna. We're Klarna-ing things. Great. Welcome to the future, ladies and gentlemen. Zellying out to dad,$176. Coffee. Olipop drink. Great. Coffee. Academy Sports So not only do we have minimum payments that we can't afford We also put in here Academy Sports, Cookout, Guild Vaults Games, Dutch Bros, Arby's, McDonald's Sushi, Bahama Bucks Fitness Stuff Baskin, probably Baskin-Robbins I'm assuming, more Klarna, great, great Pull out your Klarna for me if you could Zaxby's, more Klarna Good, you deleted it?

1:24:08Yeah, that was the last thing What a joke What a joke What a joke. What a joke. Here's your savings. $1 ,000.

1:24:24401k? Yeah. It's down to $579. What? What a joke. What are we doing?

1:24:37$7 ,200 comes in. Your rent is$2 ,000 you said? Yeah. What's your rent going to be when you move with him? Like a grand-ish. Okay. What's your utilities right now? $350 total. Minimum monthly payments is as much as your rent. $1 ,884.04. Food. You only have them every other week. I think we could do groceries at about$650 a month. Meal prep. I don't care if they like it. It doesn't matter. You're f***ing sacrificing phone bill. $200. Do you not own your phone right out? Mm-mm. When you do, switch to helium if T-Mobile's good in your area. Yeah, that's who I have. Then switch to helium immediately because it's the same service.

1:25:19Gas, vroom, vroom, drive, drive. Like$300 a month. Car insurance? $100. Okay. TP fund, you and the kids, anything else you need to survive? They're not with you always, so it doesn't need to be crazy, but$125. Actually, no, let's do$200. Sorry. Medical, health care, insurance, co-pays for kids, prescriptions, anything. Gym? I thought you'd go to the gym. How much? No, I don't pay for it. Subscriptions, no I'll give you $30 of subscriptions Do you have any pets? How much for the horse a month?

1:25:54How much for the horse a month? I really don't know Think, let's budget something for the horse Like, we'll say$75 Any other pets? No Anything else that needs to be in your budget? Speak now or it doesn't exist. Anything? No. And September you move in or August? August, yeah. So that's coming up soon. Yes. You need$5 ,789.04 to survive on a monthly basis, which gives you right now an extra$1 ,410.96. Get debt-free so that we can live a less risky life with kids and we can set them up for success. So you've completely drained your college benefits, meaning that your kids are not going to get anything, correct?

1:26:46Kids don't get anything anyway unless you're rated 100%. For college? Yeah. Okay. $85 ,023.94 of debt. $1 ,410 going smallest to largest. I do agree with that, but you can't purchase on any of them. That still takes 60 months now. That takes five years. Five years is unacceptable. Five years, you're 40, basically. But$85 ,230.94 divided by$2 ,410.96 that you'll have left over after you move in with him, that takes 35 months. That is substantially better. That is three years. Not great, but better and acceptable. $85 ,000,$23.94 divided by a total of$3 ,000, which is what you would have once you move in with him and didn't have a car payment.

1:27:45That is 28 months. That takes two years and one quarter. That sounds better for the sake of our children, for the sake of our family, for the sake of our potential marriage. That is what I would choose to do. And then you get your fully funded emergency fund. then you start maxing out retirement because oh boy you gotta catch up you probably gotta do about 30 % to retirement 20 % to fund 50 % on needs but that's what I would do I would take all the money I save on rent and throw it towards debt I would budget strictly I would pay off my car and throw the monthly payment towards debt let's see if you actually do any of that on the follow channel guys join us for the post show join Hammerly it's the second largest membership on this whole platform for a reason because it is the best on the platform YouTube has told us that themselves.

1:28:34You can join us in the post show here in a little bit. We're going to bring in the boyfriend, and we're going to digest everything that's happened here. Okay, we'll bring in my producers too because they have more information about them. Spending in a budget. Let's get your hammer financial score. Spending in a budget. You overspend, so 0 out of 10. Your debt. Some of those loans are just horrific. I'll give you a 2 out of 10 just because at least you have a strong income and you have that thing coming, so it's like debt to your income situation. Emergency fund. There's 1 ,000, So one out of 10 retirement just started one out of 10 real estate zero out of 10.

1:29:05It's going to be a hammer financial score rounded up one out of 10 guys. Make sure to join, join dollar rise central. It is just a much lower cost, easier to access where you get access to the premium version of our budgeting app and you get access to all of our educational programs, plus all future ones that we make. So join that, go to dollarwise.com. Now go join us for the post show for an extra 20 minutes of this episode. Caleb says on the show all the time, why are you getting married before you get your finance? is fixed. Yeah. I love my car. Okay, but if I say I'm not gonna marry you until you're out of debt so you can put that car over marriage?

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