Mail-Order Bride Hates Her New Husband | Financial Audit

34:36Your minimum payment is an insane$118. It's insane for you, for someone who has the little air-conditioned special little storage unit, for someone who has rent they can't afford, for someone who goes thousands of dollars in debt for depreciating snakes. You cannot purchase on here! Close the account! If you're obsessed with the debit version, you can do the fizz card. Starting a business can seem like a daunting task, unless you have a partner like Shopify. They have the tools you need to start and grow your business. From designing a website, to marketing, to selling, and beyond, Shopify can help with everything you need.

35:16There's a reason millions of companies like Mattel, Heinz, and Allbirds continue to trust and use them. With Shopify on your side, turn your big business idea into... Sign up for your$1 per month trial at shopify.com slash special offer. Like everyone that I recommend on the show Okay Debit card that builds credit Gets you rewards But at least it's a f***ing debit card This is insane Dude You do not have any wiggle room Any wiggle room to add A minimum payment into your sh*** It's tight It's very tight And then the truck happened This girl like she's bottling up all your sh*** And then she's just letting it out She just, how?

36:01I mean, this is her version of, I mean, look, we came on the show. We need to figure some shit. And this is her avenue of letting it all out. Because I know that it's been fucking with her. What are you talking about? I told you every day about the off-truck. You made a bad decision. I can tell you here. I can tell you in the house. I don't care. It's a bad decision. It's been a bad decision after bad decision after bad decision. And I told you. But you, again, didn't give a fuck. Well, why don't you listen to her? It sounds like she brings up for every topic. I'm so how do these conversations go?

36:35Bad. Oh, go on. He's just like, OK, yes, I listen. OK, yes. And then he goes to bed and he wakes up and he's like, I didn't hear it. I'm going to do whatever I want to do. That wouldn't mean a long marriage is going to happen with that attitude. Yeah. Not wrong. I need to fix it. This is something that I need. I'm sorry, but that's just the way that everyone gets out when they consistently do bad things forever and then they get confronted. Yeah, I'm going to fix it. Like you sound like you're trying, you're saying something where you're acknowledging it, but it's not that. This is what every person does that tries to get out of something.

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37:52This has been a revolutionary project that we've been working on for over a year now. And just like over 10 ,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15 % discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to CalebHammer.com or click the link in the description below. You will not regret this. He's not a bad husband. He's the love of my life. But I just want him to like take the right decisions.

38:29And if I am telling him like not do something. Why don't you listen to her? I do listen to her. It's just not in these situations, obviously. So put yourself in the shoes when you did not listen to her. Why? Why? I thought I knew better. I thought that I had the blueprint and that I was going to make everything work out. everything was going to be happy. Why do you always say that? You said that with the snakes. Now you're saying that with the truck. What's going to be next? I don't want there to be a next. I don't want there to be something to where we have to continue down this road. And what are we doing to not have a next one?

39:04To not have a next one? By now, thankfully, that the truck is in the process of getting fixed. In the process. Process of getting fixed. So I'll elaborate into that. So I purchased the truck about a year ago with the business. It was included in the credit card. Oh, that? Really? Okay. So it was included, obviously, pressure washers, need a truck to carry it around. So I purchased the truck. It's a 1996 Chevy S10. It's a four-cylinder, so it can't tow that much, but it gets really good gas mileage. So in my mindset, I'm thinking, oh, I'll get good gas mileage. I'll be able to go longer distances, save money on the gas, and be able to...

39:45The headlights were really dim, and the highway coming back from there doesn't have very many lights so i mean this sounds like a lot of excuses go ahead i mean i'm not even it's not even an excuse at that point like because i know i know that i f***ed up no what do you do then you pull the f*** over yeah well i had to i had to get back i can't you can uber you can pull over uber get it tomorrow that would have been like 100 bucks like 100 200 bucks that's better than what i assume is about to happen no well no i didn't wreck it it's it's still i drove i drove it here today i'm just saying it was it was it whenever I drove it back I knew that I was about to get into as because I see the headlights are a little fucked I'm like okay here we go this is something I'm gonna need to fix I get it back I park it in my buddy's house because I'm about to work on it as soon as I come back that morning there's transmission fluid on the ground I get it to a transmission shop you got to rebuild the whole thing how much is that gonna cost 2800 bucks you're gonna have a three-year warranty okay cool let's do it I get it done because obviously you can't drive around without a Where does this money come from?

40:46I had saved up. I had a decent savings saved up. I had a lot of money. Obviously, you see the statements. So you don't borrow money from anyone? No, I had a 770 credit score. I just had a long streak of just bad decisions. And that has put us into the point to where now I had to. So my engine blew up on the truck. So all in all, the truck has probably cost me about$7 ,000 for the fixes. and we owe his grandma for the engine yeah because she put it on a credit card you just told me you don't borrow from people that was before i'm talking about back whenever i had the money saved up i didn't what do i give a fuck about that what i'm sorry you're borrowing for grand i didn't i didn't understand the question i apologize what you think i'm asking about in the ancient myan temple don't give a fuck back then yeah i'm talking about now why do i care about what happened to you in middle school.

41:39I don't give a fuck. Oh my gosh, dude. So yeah, I did borrow from my grandmother. You just want to look good. You just say whatever is necessary to look good. I mean, you're not going to wiggle out of that, man. You got to confront your real shit. You're borrowing from grandama. Grandma. How much do you owe to grandma? Let's write that down. So right now I owe... So I have two different... How much? I owe$1 ,100. $1 ,100 to grandma. I thought I was going a thousand route. Even still, that is not great. I mean, from grandma, likely retired, right? And brother. How old's grandma? Grandma's 64. Grandma's 64.

42:19You're borrowing from a 60-year-old and she just said, and your brother? And uncle. Yeah, brother. What the f***ing else? Grandma is uncle. Grandma is uncle. The 1100 is what? Oh, yeah, well, I came from her. That doesn't look. She has access to his savings account. He goes to college full-time and... And he took from her? Him. She took from him? Yeah, she has access to it. No, no, no, no, no, no, no, no. Are you telling me that your grandma took from uncle? Yes. Does uncle know? Yes. Why didn't you borrow from uncle instead of from grandma to uncle? Well, I just put both of them in one name. I spoke to him in regards to it.

42:56No, no, no. Tell me how this worked. Okay. So... Oh, my f***. I don't give a f***. I'm talking about just the borrowing guy. The borrow, yes, the borrow, I had to borrow from them in order to get the truck. How? From grandma and uncle? You mean individually? No. So, look, uncle is the 1100. It came from his savings. She has access to his savings. I spoke to him. But he has drama. I spoke to him in regards to borrowing the money. Why did the grandma do it, though, instead of him? Because he's in Kansas. He's not, he doesn't. Oh, electronic transfers don't work in Kansas. Yeah. Venmo doesn't exist.

43:32What are you talking about? He's in Kansas. Why do I give a f*** about Kansas? Oh, they have corn, guys. They can't transfer money. Yeah, they can't transfer the money. No, it got through grandma. I spoke with him. He gave me the green light, and then I've been dealing with her. Dude, this is so weird. It is weird. And you pay her, and she pays him? Yes. Why? Why is she the middle man? That's just how it's working out right now. How much did you borrow total? This is insane. This is the stupidest thing. borrow total was uh was right at like 1500 1600 when uh whenever the truck when when about two three months ago oh and then and then brother so yeah brother brother brother is also your brother brother is uh about to be 20 and you're borrowing from a 19 year old yeah you are married to this look i'm not proud it's not something to be proud about listen that's again you're one or just one of those things that you're just you're acting like that oh you know what i'm acknowledging but i don't know you're it's you're one of those people that says that over and over again when they're confronted but then they continue the same path it always happens or else you would not be doing this stuff every other month guy so how much did you borrow from a 19 year old That was$600.

44:58How much is still owed? So we struck a deal on that. So I've been paying for his phone bill for going on two years. And I told him that since he is earning income, like he's making everything, and I'm obviously in the hole, I said, hey, man, I'll keep paying for your phone bill. And we'll just use that until we're paid up and current. So he's got 15 months of a paid phone bill. Kind of struck a deal with him. That's how that went down. because he doesn't really need the money right now he told me so he was like look that's fine how do you feel that your 19 year old brother is more successful than you i'm not proud of it it f***s me up trust me why don't you do anything instead of repeating the same mistakes over and over again i need i need a proper game plan we we need a proper game plan because i have to assume some responsibility to we we've been going on the spending front probably we've been going to cancun uh he's oh my gosh lady you seriously in the back of your brain must just have a bag full of insane things that you guys have and you are just dropping them like little pebbles but i I was working.

46:13I was helping him, too. It was just not only his money. It was mine, too. This was way before. How often are you guys going to Cancun? We've been three times. Over the course of... Buddy, you just got a foreclosure notice. Not foreclosure. An eviction notice. No more Cancun. I mean, we can't go now. We can. I cannot even go out of the United States even if I want to. She's here until we get the green card. No vacations in the United States. Yeah, we... No, we're not doing anything of that. We can't even afford it right now. We'd love to... You could have probably afforded that. It's a, it's a, yeah.

46:44How much did you guys spend going to King? Ooh. So each time was average. Thousand? Three. No. Three? Three thousand. No, I paid, but I paid the flights. That was after flights. Oh. Three after flights? So. Three thousand after flights. You are saying, you, you are saying there could be$9 ,000 invested growing over these past couple of years. Growing. growing at like 10 % average in the S &P 500. I could be buying that. You could have bought that you could have bought that in Moomoo. You could have opened up the Moomoo app. You could have bought S &P 500. That could have compound grew fucking S &P 500.

47:23Exponential growth. It has grown 50 % these last two years. 50%. 50%. Trust me. I look at the charts. I've seen it. Yet it all went off. Cancun. It went to trips. It was only three times. It was like. And I had my money. Oh my. My producers are telling me even something more. What? I can't. I can't even get through this because it's just like. It's just unraveled. It's just tidbits. You borrowed money from your brother because you didn't have rent money. But yet you still went to f***ing Cancun. That was before. This happened like two months ago. Cancun was way before. Oh, borrowing from brother?

48:06Yeah. Cancun was way before and we paid it like so it wasn't it wasn't borrowed from brother. I originally borrowed it from my mom Yeah, oh I originally had one of these again. She's brother. She transferred the debt She transferred to my to my brother. I just want to leave this conversations insane Just done here, man. I can't even fit myself. I can't even leave this This is oh I I'm gonna crawl away. No, just I can't. Every money thing you do is just the dumbest thing. So you borrow from your mom probably. What happened? So my mom ended up borrowing from my brother as well. And that's how the dead guy.

48:51Yeah. I need to check my blood pressure. I can't. Every time I try to keep it rolling, there's another unraveling of insanity. Inhale, exhale. Keep it breathing. keep it flowing you god the f*** have you how look man how has your family survived this many generations we're keeping it afloat so on the credit card that we talked about like 30 minutes ago yeah

49:26fit connects fit connect hulu mcdonald's going in and getting a drink at the gas station or something. Amazon Prime, Amazon. Fit Connect. What is this? That was$63 and$29 and$10. That's the fitness connection. That's the jam. You pay every time you go? No. Why are there three different charges on here? So the 63 was the annual subscription fee. That was just to get the application started. And then it was. You're just subscribing to this now. That's for her. I've been subscribing. Girl, you're almost getting kicked out of your house. That was way before. What floor do you guys live on? first. Are there other floors?

50:03Yes. Third floor. Go up and down! New Year's resolutions. I'm okay with the gym. Is it the fact that you're just choosing to start all this plus a new subscription now? That was an annual charge. We're not going to get that again. So currently we're at... Until the next annuals. Which I mean it's going to be... And then there was a$30 charge and then an $11 charge. Wait a$30 and$11? Yes. So the$30 was for her monthly and then the 11 is mine. I think monthly counts as a charge, you dumb s***. Okay. Yeah, monthly. Monthly, it's 40. Okay, then PlayStation, then Amazon, and then Prime Video. $43 of fees this year so far on here.

50:51What is this? Late payments over credit pay? Who even knows? But all I know is you're not using the... Late payments. What? Entrepreneur. Fuck.

51:10Just fucking dude. What are you? You don't have the money management skills to run a business. At this point. At any point so far. You've been trying it every fucking year for your life. You blew$20 ,000 in savings. Now you're borrowing from your family. Who's borrowing from your family? and$350 and$67 of interest. We're coming out of this. We can do it. In what world? You spent more than you made last month and even on a good month and you spent almost triple what you make on a normal month. Coming out of this? No, you're not. The fuck you're coming out of this? I don't give a shit. You're fucking destroying your life.

51:53Coming out of this? There's no coming out of this the way you're doing it. you're not coming out of anything but we could could if you do something but you guys don't we will need a double oh says what says what action possibly would suggest that you guys would come out of this saving so that we can get her process started for saving how about let's just start with spending less than we make oh you but you don't even do that so how are we saving if we spend more than we make What the fuck are you talking about? So I Currently what I'm doing is to make extra money I'm donating plasma Listen I'm okay with it If you want to do it I hate doing it just to survive Trust me I hate it too How much you get per plaz?

52:39So per plaz it's 47 the first donation And then it's 50 I think it's 53 the next one How often are you doing it? It's two times a week So it'll be an extra 400 and some change Look I'm willing to do whatever it takes To get us out of the hole I've never been scared of work ethic It's just a matter of Me putting us Newlyweds into the deepest hole I could have ever imagined Lots of acknowledgement No change in behavior Yes You donate plasma so I'll donate some things to you guys as well Go through the budgeting class together So you can learn how to use a budget budget. Take the quizzes together.

53:22Same with the debt class and the investment class. You guys understand all that well, eventually meet with a domain financial advisor. Same ones I use. You guys get a free session. Everyone in the audience gets a free session. Go through that. Get an accounting certification through course careers so you can do accounting for whatever next business you're going to do. And then sit down with a therapist at Sondermind. It's another one that we partner with you guys go to them together you guys get three free sessions okay so these are the resources that i get to provide you guys for free so do it definitely therapy all of it okay therapy first credit one we have credit one we have we have two we have two credit oh credit one that's just like the it's just like if i have credit one i have the worst finances ever created that's essentially what credit one means it's a badge of you honor it's the bottom barrel yeah yes it is and you're swimming down there constantly oh my body just rejected this basically at the credit limit 777 and 47 cents yep but the 295 of purchases on credit one why on credit one out of all credit cards why on credit one oh because you're already maxed out on the other car so we have to spend from somewhere and we have to spend more money than we make so it has to be on credit one.

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55:46But some of those purchases were groceries. This is from a f***ing restaurant. It's from a cafe. From Sonic driving. Going in and getting a drink. Going to Bearded Monkey. Going in and getting a drink. Who's stopping at the gas station and spending like$6,$7 constantly? $7 at the gas station? Yeah,$7 is a f***ing$8. It's probably me just putting a little bit of gas in the tank, honestly. Oh, my. Look, that month was rough. And then a little bit of groceries, but most of it was just f***ing around. If you can't spend money, you don't f*** around. No more taking the wifey out for a nice little treat.

56:27Interest and fees accruing, of course. Chop this up. Close your credit cards. You are not a credit card person. I used to be. Not anymore. Oh, f*** you. It doesn't matter. I don't care. Not anymore. It doesn't matter if you were. It just feels like it can't get worse, but somehow it just... Somehow it does, man. Somehow it does. You know what sucks is you guys are actually quite pleasant people. I enjoy you guys as human beings, but this is so f***ed and so stupid.

57:03So credit one, number two. No,$624. Okay, good. At a 600 credit limit. For real? I didn't know that. Again, these conversations around finance, how do they go? Can someone explain to me how these go? So honestly, it just kind of boiled down to the point that like, we had to pay a card. We didn't have the money to pay the card. So we used another card. The conversations around money, how do they go was the question. honestly it's just trying to make it happen we i tell her i'm like look babe no we can't we can't spend i tell her i can't spend this we can't spend this we're not gonna be able to afford this crumble cookies necessity uh-huh in museum grandis texas roadhouse gotta shove those rolls down your throat that's pro store they were going in and getting some in the gas station.

58:00Whataburger. Fees, fees, fees, fees. Roll it up. It's all just, this is fucking bullshit. It's not even on the necessities. It's not necessities and you're saying I literally have no money. I'm just trying to survive. You would at least have a little bit of sympathy for me, but there is nothing because Whataburger does not fucking count. What a joke. it seemed like a necessity at the time but it didn't work out you're never f***ing changing why why this huh cause I love him why you don't know him I'm getting to and so far don't like well but I do

58:44thank you I love you I love you too baby Chase Inc great that's the business card yes what how would you make the minimum monthly payments so i've been paying i i struck a deal with them so i've been paying 50 bucks a month just oh for goodness because the minimum was six thousand five hundred they've called they were calling me very consistently saying hey you got to pay four thousand come on let's do that and i was like yeah i can't do that but so seven thousand seven hundred twenty five dollars and eighty six cents which is an insane balance for you insane balance Oh, past due amount,$6 ,535.

59:25What the f***, dude? And now you're going to have this$50 minimum payment that's going to make no progress towards it. And then interest is going to be... Oh! Fee$731! Fee$731! That's insane fees! That's insane fees! And$258 of interest! That's insane fees! It's...

59:57This is so dumb. I don't get it. This is so stupid.

1:00:04Just why? Why weren't you making your payments when they were smaller? That way it would just be normal. Trips. Oh, what a child. What a baby. What a baby. Want to have a baby with a baby? What the f***? What are we doing? You actually give a s***? Yes. Then why haven't you done anything? Not one thing. Why haven't you manned up the f*** once or adulted up the f*** once? Ever. I need to get out of it. I need to get out of the illusions. That's not an answer. I'm asking why you didn't. Why I didn't do it? I lived in a blur. And what has possibly changed? Getting married. When did you guys know you were going to get married?

1:00:49Pretty much since we met. Honestly. We didn't have an exact date. So that would have changed two years ago then. We didn't have an exact date, but we knew we were going to get married. Okay, so getting married shouldn't have changed anything then. Yeah. So give me a real answer. What's actually going to change? Why is it changing? Stopping all the spending? Why? Why does it need to change? No, you said it's going to change. I'm saying, why? I just. It's not going to change. It's not going to change. I just lost. It's not going to change because it's not going to change. He doesn't have a reason why it's going to change.

1:01:27There is not an actual reason why it's going to change. And he is just getting... We're not having children. Shut up. We're not having children yet. Not yet. No. That's the goal. We're going to make it happen. Sure, but that's the problem. When have you guys decided you were going to have children? We were hoping for 25. 20s. No, no, no, no, no, no, no, no, no, no, no. When did you guys have the conversation that we will have children? Eventually. Early in our relationship. Good. So again, you've already known that. So why now? that's again a bulls**t response the marriage you already knew having children you already knew so why would this change now you have no real answer you try to pull it out of your ass so nothing is actually going to change you don't have a why and without a why there's nothing there's nothing why sacrifice without a why there's no reason why live a harder life in order to get someone better if there is no better why there's no why at all i made a promise to her that i was never going to have an eviction notice put on her door okay ever again ever again there was a one and done that's you've made lots of promises guy you probably promised never to join a pyramid scheme after your fourth pyramid scheme then you joined your eighth i have i have been exactly so again i can no longer believe i can't believe you i cannot it's impossible so i got convinced by a insurance company to join in i thought that was going to be the right way but obviously wait for what What are you talking about?

1:02:51Health insurance. He was working in there. What are you talking about? It's a company. I don't know if I can say names. You don't have to. Basically, it was a company that had the premise of we will sell you life insurance. You'll get a premium, but you'll be helping make sure that they're taken care of. Who? PHP. People helping people. it's a conglomerate owned by patrick bed david it's basically a big ass mlm i went in there with the intention of oh i'm gonna make really good money off of this didn't work out i seen the writing on the wall how are you going to make money by selling insurance that's how it was gonna be oh i wish i just had no morals this show just demonstrates every way that i could just go make so much more money than this show produces i could just and scam the out of people you could gosh so easy there's so many scams out there there's so many people like you who fall into them yeah my gosh it would just be the easiest thing in the world morals man gosh because what is this why am i seeing this under credit 487 dollars what is that the that's a apple that's apple credit card why do i have the statement in front of me huh huh huh whoa how what why do i have the statement in front of me that's gs bank that's that's apple yeah why do i have the statement in front of me i don't i sent the pdf of the apple statement i thought i did no okay well here you want it yes got you it's been maxed out for a while great i got you here one second What's the minimum monthly?

1:04:42Oh, good. It's gone up. It's gone up and we are now over the credit limit. Did you know that? Another card. Yes, that's funny. That's great. That's hilarious. Our lives are in shambles and we're never going to get anywhere or accomplish anything. And everything's a complete joke. Ha ha ha ha ha. $503.18. I was not laughing because it was funny. Sometimes you get nervous. Yeah, there it is. Purchases. Dude, it's fucking. Elsadora. is that to someone or is that a restaurant let me see elsadora okay no yeah it's a spotify that's spotify yes that was a spotify subscription that we paid we paid we paypal paid okay for a year paid something else then an apple bill then kroger so that the second netflix the second paypal was for christmas and then underdog sports what's that so that was a bet i made a bet on you made a bet on a credit card and maxed out so listen lady your husband that you are considering having children with maxes out credit cards go over his credit card limit in order to bet on sports this is a joke what's your minimum monthly payment dude tell me probably 60 60 70 bucks right now to get to get interest

1:06:07$25 $25 yes

1:06:14this is disgusting I'm disgusted this is nasty how the are you even okay with this what is this student loans it is you went to college for a second maybe I was almost you do everything so I have I almost have my associate's degree. I'm about six credits away from having my associates. But obviously being married and working full time, couldn't do that. Okay,$2 ,250. There's more. There's more student loans. I think that's a stack in there. It's about$5 ,000. $5 ,000 is some change. In your minimum monthly payments? I don't know off the top of my head. Do you pay them? No, I haven't made payments on those.

1:06:57Are they due? I don't believe so. No. Why? I haven't Did you request the ferment? No, I haven't Did you try to get onto a different payment plan? No, they're too late advantage When did you stop? When did you stop going to college? Right before we got married Oh, okay, so the minimum of the payments will kick in You better pay for it It's probably going to be about March or April probably this year It's probably going to be about

1:07:3050 bucks a month okay

1:07:36what a joke what an absolute joke wait hold on 2250 2340 and an additional over a thousand no It's more like$4 ,000, guy. And the minimum payment is going to be like$60. I don't even know your own numbers. I said$5 ,000. Yeah, it's like, oh, you said$5 ,000? I said$5 ,000, yes. Okay, it's like$5 ,000. So we're probably talking about, yeah, like$60,$70. I'm going to be more conservative and say$70. Okay. Oh, my gosh.

1:08:19What are we looking at? There's no future here. Why do I have a starting and ending balance of negative in this checking account? What the f***? Which one is that? Chase. I have two bank accounts. Business! Yeah, Chase Business. Oh, okay. I had probably transferred the money to the checking. Yeah, but why more than this f***ing in there? You went negative. You started negative,$5 ,000 came in, and then you went out. Why? Why would you allow out? It went between Christmas and Yes, but why not keep at least 30 more back? You were negative$15 Why be negative? I had it on the plasma card That's where I had the extra money at Huh?

1:09:04Why'd you pull more money out? That's what I'm asking I probably transferred it to the other Why? I don't know I just had to pay something Oh my goodness, dude You're insane and it's just Appleville. Little Caesars are f***ing negative for Little F***ing Caesars. Pizza. Oh, is that what Little Caesars is? Pizza. Fast Pro Shop. Pizza, pizza. Appleville, shut the f*** up. You're not funny. AT Apple Draws,$600. Who knows where the f*** that went in? Marshalls. Marshalls. To size up from all our Little Caesars for f***ing sake. Those are for gifts. All so that we could be negative. Negative. Leave this man now.

1:09:46he's a financial joke he's gonna ruin your entire future we're gonna turn this around no you're not I'm sorry I wanted to give you benefit of the doubt no you're not your behavior suggests nothing your comments suggest nothing the way you've just been re-evolving and you're like I'm an entrepreneur no you fall for every scam known to mankind you're done oh good here's a nice little overjaffee in the other checking account well done in the other checking accounts. So let's do that in multiple checking accounts, guys. Yeah, because you were negative.

1:10:21You started negative$188. Progressive insurance. And then it went worse because you tried to do something in overdraft. What a f***ing joke. An Apple bill. An Apple bill. An Apple cash set out. Texas Roadhouse. Great. more Apple Cash shout out we Apple's to cash everything in our life and Murphy Express we went in and we got some bull Amazon and Amazon and Rays and Gains and PayPal and Amazon and Zellen on and Zellen out and Zellen out overdraft this year so far you've done approximately five of them in just this checking account the other one you also were overdrafting so this this this is this is this is no, there's nothing.

1:11:17There's nothing. I'm sorry. I'm sorry. Financially, yes, we could change this around because we could probably make the numbers work. It doesn't matter because his behavior will never change. He is a joke of a wannabe entrepreneur and falls into this bullshit constantly. Is able to take no responsibility or give no reason why he's willing to move forward. It's a f***ing joke. I can make a budget every day, all day, but it doesn't matter because his behavior hasn't changed. I can make the numbers work, but it doesn't matter.

1:11:58And you're okay with this? You accept this? You're okay with this? I mean, I love him. And we're going to make it work. He's not going to change anything. He is. You're with the future ex that you're like, wow, he never changed anything, but I kept giving him a chance. I'm going to make a change. I hope so. Nothing would suggest as much. Numbers on paper. It's just numbers on paper. Exactly. And I'm saying the numbers on paper here don't matter. It's your behavior that you will never change because you haven't. And you don't have a reason to change. I asked you. You couldn't give me one. $334 minimum fee payment.

1:12:41What's the rent again? $1 ,320? $1 ,320.99, yes. Utilities? $150. Electricity. The rest are included in the$1320. Internet? $60. Any car payments? I don't think so. No. Gas, vroom, vroom, drive, drive? $200. Car insurance? $168. You know your numbers. Again, this is a behavior. Phone bill? 140. Switch to healing when you're done with your brother. Save that f***ing money. 15 bucks a month. Same service as T-Mobile. TP fund. 150 for the house. Anything you need to survive. Necessary food. We're going to do 500. Follow the meal plan. Follow the meal plan. We're pretty good about cooking at the house.

1:13:30No, you're not. You've got to eat every second of your life. Shut the f*** up, dude. All right. But I prefer his laundry day. What's the gym? The monthly gym? You said$40? Yeah. I should say$45. Medical health care? Provided through. Yeah, but is there any co-pays on an ongoing basis? No. Company paid. Pet insurance? Anything? Do we have pets? We have one dog. Okay,$40 pet insurance. How much for pet food? $50. $50 monthly. Small dog? He's 50. He's a Staffordshire Terry. anything else that needs to be in this budget that I have not taken account for no nothing that I can think of can you just my loan but like it was it's 300 yeah she has a$300 loan to what personal personal who uh where I when I used to work they were taking the money out of my paycheck because I had to.

1:14:33You were getting garnished. But now that I don't work and I don't have that big account anymore. Never mind, the numbers don't even work. $3 ,491.69 is what you need to bring in. Sorry, he's going to go work a thousand other jobs which he actually might do but he needs to cut his spending well at the same time because he needs to bring in a minimum extra $1 ,500 a month net in order to make any progress on this. But he's never going to change the paper so this is dumb. But I'm going to do the budget to be good guy but it doesn't matter anyway spending a budget overspent zero ten debt this is stupid and there's no collections or irs that one out of ten this is about the family debt that's gonna bring it down to a one emergency fund there's nothing in savings zero out of ten retirement i don't see anything zero out of ten real estate zero ten and we're financial score 0.5 out of ten guys come join us in the post show that's where we reveal extra things and extra drama stuff that we didn't or can't talk about in the main show so make sure to join our youtube membership thousands of hours of extra content link below and you can also take advantage of all of our education bundled together for 15 off i'll see y 'all in the post show are you blaming me i'm not blaming you i'm just saying i used to be really good at saving and then i just kind of like and what you met her that's what you're saying my mom paid for a majority of the wedding the mom who had to borrow from your brother that's what made her need to borrow is borrowing from your 18-year-old uncle?

1:15:53She wanted the wedding. I didn't even want a wedding. What did she spend on your wedding? It was about$5 ,000 total. I just want his thoughts on all this crazy family loan stuff. Hey, do you want to talk to Caleb?