Most Insane Car Debt I’ve Ever Seen | Financial Audit

24:52It's all new. It needs to be new. Yeah. And you? Used cars are fine. You can get a good used car. What's the disagreement specifically, though? What's the argument? That we had to get new cars because we drive too much. The argument is because we drive too much, it has to be new? There's no further in-depth discussion. There's no point within there. She says that we need new cars because we drive too much.

25:22Okay, one, he doesn't acknowledge any of the purchases that you brought up. to be very clear. It wasn't just EMT school, by the way. What else was it? The personal training course. The personal training course. But he says you knew about the EMT school. You gave it the thumbs up. You were all about it before you made the big purchase. Not the full amount. It was... You told me it was half of the amount that it actually was. It was almost$4 ,000. Yeah, but you told me it was like$24 ,000. Yeah, but I had to finance it. Okay, but you didn't tell me that you still owed more until we got to that point.

25:59And you were the only one making the income at that time. Okay, I was trying to find a career so we can live. And what happened to the certification now? I didn't use it. But I had, I got a better opportunity for work and I was making more money and then being gone more that you were already complaining about me being gone because you weren't working. And it was always, oh, you're always gone. You're never home. But I was studying, going to work multiple hours, being out of town, doing moves, having a little business on the side and doing moves out of my expenses, making extra money, always finding ways to make sure we were good.

26:36But you didn't tell me the full truth about it. What kind of cope is that? Why do you think it's excusable? First, why do you guys whisper argue? You guys are weird. Two, it's the same cope you're using with the Home Depot. because there might be a good objective in there. You think it's okay to lie and hide. That still doesn't make sense. Yes, it might have been a good career path. You decided not to do it, whatever. Okay, it might have been. That means you lie and go behind your back? I'm confused. How does that excuse that? Because that's what you do. Do you see that? Do you see that argument?

27:10At that time. Because you didn't even push back against that. Like how? Like the dude says because he had a good intention, it's okay for him to lie? We've argued about it a lot. It wasn't lying. at the time. She had no control over the finances at that time. She thought it was half. I don't know how she thought it was half. How did you think it was half? At that time, I wasn't really working so I was just, I don't really remember exactly where we were at with the finances at the time. It was just him working at the time since I was three months pregnant, moved to a new city. I couldn't find a job anywhere.

27:43Taking care of my toddler at home. This was years ago. So this was four years ago. This was four years ago. Yeah, but it's going into our dynamic of our relationship now because he just did the Home Depot thing. This is a reoccurring thing. I would say a pattern. And then he enrolled for the nursing program to finish the nursing program. Behind your back? So he said he was looking into it the week prior. And then he told me he needed to pay a deposit in order for him to start the school. You just do things. You just do things. Someone has to. You're suggesting she doesn't. She doesn't do... Saying in the sense of finding a career, finding something more stable, finding, you know...

28:24So she doesn't? In that sense, no. She's comfortable. Who said I'm comfortable? You're comfortable. Because in the sense for now, right? So I'm going to be going to school in January and then... So I'm going to have to be working part-time. I'm going to have to have only one client. Wait, what the... Yeah. So you're cutting your... And she's currently in school. Why are you moving into nursing? Because our career is hit or miss. It's up and down consistently. You never have any stability. Because since they work with Medicaid, they lose their insurance. So they didn't get approved again for insurance.

28:54But you've gotten more. He says you're comfortable. I'm not comfortable at all. Because my income is the one that keeps on fluctuating. I've had to drop a client because I was pregnant. Because I couldn't. Because of the aggression that the client had. That's not what you said when you first got pregnant. So I had to drop one of my clients because of it. I did work. I worked up until the week prior in my C-section. No one's saying you don't have to. You could have worked until one month before, but if you would have maintained those two clients throughout the pregnancy, you wouldn't have been in the situation, right?

29:26That baby wouldn't have been alive if I was with both of those clients. Fine. That's what I was saying. He wanted me to keep a client that would throw chairs at my back. Aggressive client. At nine weeks pregnant, you think I was going to be able to maintain that? I understood why you dropped them, but you could have found another one. There was no other one. there's multiple agencies there's other agencies you could apply for there's other jobs you could have got something working from home the kids were in daycare we're paying for daycare making 12 an hour making less than what we were making 12 hour 12 bucks more an hour than zero is more money and who's going to be taking the kids to school and picking them up if you work from home you can you currently drop off the kids before you go to work before you do anything before you go to school at the moment if i had to do an eight to four job i would not have been able to drop off all the kids by 8 o 'clock.

30:14At the time we were living with your mom and she was dropping off the kids. No she wasn't. She was picking them up. Because we didn't pick them up. I'm sure if you talked to her she could have dropped them off too.

30:25We talked about this before. Yeah. In the sense now, so for example, now when I start school, she's finishing school right now, she's doing medical billing and coding. When she's done with that... You guys are never, like, what are you switching to in a year from now? You guys are switching things endlessly. We're trying not to switch. I'm going to maintain. Trying not to. It's like you try not to move every year. Yeah. I'm sticking with my client that I have now, but we kind of want to get out of the line of work just because it's so inconsistent. Why would you not want your pregnant wife to drop a client who's throwing chairs?

30:58I'm not saying that I want her to drop that client. And what was your big argument for doing it? Well, my argument was because he was doing that. I couldn't. I couldn't. The baby's health and her health was the most important thing. So I understood that. But there's other clients. She can apply for other agencies. She could have applied for... There wasn't many clients. But I think she was afraid of what happened previously with another pregnancy. That's fine. Which is totally fair. That's understandable, yeah. Yeah, you criticized that. I think that would be like the last thing I'd criticize.

31:28As I'm someone who wants kids. I wouldn't even come close, especially with a history. Yeah, I did. Of a failed pregnancy. Yeah. That's understandable. I didn't have a miscarriage prior to that one. But she could have worked on anything else, work from home. I think she was trying to make sure we saw the term. Agreed. So what is her income about to be and when? So the income at that time with both clients, we were making... No, no, now. Now with this nursing, you said, oh, something's coming up, something's on the horizon. It's probably going to happen. F*** you, school's starting. What are you talking about?

32:01It's actually going to be less. Yeah. No, no, no. It's going to be less than the 7 ,200. Yeah, I bet if you're going to school. So what the f*** are we talking about? Well, so she's finishing school now. So she should be done. My school is in... My school is... She doesn't have experience in there. She's kind of in medical, but she's not going to jump into like a$60 ,000,$70 ,000,$80 ,000,$90 ,000 job. But that job, she could work and keep one client if she wanted to. I never told you I wasn't going to. Yes, you did. No. You said, I don't want to work in this anymore. That's what you pushed. Well, what's the truth?

32:34I mean, a couple of weeks ago, we talked about it. and I told them I didn't want to end up continue going in this line of work. The point of me studying to do something else is to do something else, not to continue doing this as well. On top of the fact that I want to get out of the 1099, mostly because of the issue of the taxes and everything. Well, that's just responsibility. Putting money aside. Yeah, but that's something we've always struggled with. Well, thoughts on this, Logan? So her wanting to drop. I understand wanting to drop it, but I don't think it'll be the smart thing to do, at least until we get out of the debt.

33:05If she has that extra income, as long as I did it as well. I maintained, I worked multiple jobs in order to maintain our situation and seeing her not wanting to be able to do that for me just so I could finish school. What do we do? What's the solution? Well, I mean, I already knew the case was going to have to be that I was going to have to work full time because as soon as he goes back to school, I have to kind of... How are the kids taken care of? Especially the three and ten month daycare. The three and ten month they've been in daycare since they were four months. How much is that? Well, I got approved for the program, the government program in Florida.

33:41Why? You make$100 ,000 a year net? No, it's based on my income. So it was based on my income. Household? No. Interesting. Yeah. Listen, I mean, yeah, child care is way too expensive in this country, but I'm confused why the people making$120 ,000 a year net is the one getting subsidized. We couldn't. Compared to those who are actually struggling. I did not put his income in it. So you lied? Yes. Yes. Oh. Because we could not afford to do it at that time. Because our credit card minimum debt and our rent and everything else was super high at that time. So... Because she wanted the bigger house.

34:28The rent was only$200 more. Still totaling$2 ,600 a month You just mumble argue? He mumbles And I tell him that all the time He says I'm the one that mumbles You both do honestly But him more than anything Yes But yeah so we were living above our means We had no A bigger house How much debt do you guys have? Ladies and gentlemen of financial audit This is one of the most exciting moments in this channel's history You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central.

35:12You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff. collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to DollarWise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time.

35:51This is a no-brainer. DollarWise.com. Let's f***ing go! He didn't guess correctly. Debt with the cars? That is debt. I don't know. They both said the same thing. Yeah, I know. Because she doesn't see the cars as debt. Wow, they're debt. They're debt! It's money owed! How much? I'd say about 120. Jeez, even higher than... It's 104. I'm glad you at least both think it's... You both know it's absolute f***ing. Hey, by the way, I will say, we're about to jump into the finances, but I want to know. he specifically said you refuse to get used cars and the only argument you have is because you drive a lot yes and that's all you have what are the details of this argument i would like to hear any points other than so we live in we live in like off of fort myers we live in lehigh so we are about 10 15 minutes from the highway but everything in lee county is minutes are like every mile per mile.

36:48So you're looking at 15 minutes, 15 miles. So we drive 40 miles to work and back. Oh no, you commute 40 minutes. It's like a third of my employees. Welcome to a city. No, it's literally the amount of miles that we are driving, not the traffic. There's no traffic. Very good. So by a U low... We're driving 100 miles a day, drive a low mileage used car instead of putting yourselves in literally six figures of debt. I've tried talking to her about it all the time $1 ,000 Chevy Traverse You got a car and didn't vet it correctly with multiple mechanics, correct? No, it didn't even last 30 days Did you take it to multiple mechanics?

37:27No Then you f***ed it That's you How? You didn't take it to multiple mechanics before you purchased it How are you supposed to take it to the mechanic You get a slip to go take it to a mechanic I forgot off the top of my head because obviously we're filming this live to us the name of that slip specifically but yes, you can take it to multiple mechanics independent. I know that was 19 or 20, so I don't really You were basing something off of 6-7 years ago? No, but she's still... It's just more about the used car situation just because now we... You f***ed it. No. Yes, you didn't take it to a mechanic!

38:03You f***ed it! You didn't do your due diligence. No s***. You got f***ed. What a thought. I didn't think about it like that then. I never liked used cars. Well, think about it now because you guys are six figures in debt, which is insane. It's mostly cars. Yeah, I'm going to defend that. Huh? I'm going to defend that. You're going to defend six figures in debt for depreciating assets? Yeah. No. Okay, that's usually like a part of a mortgage, like half a mortgage. Yeah. I know. Yeah, it's called pre-purchase inspection. Didn't know about that. Well, you do now, so let's do that and get rid of these.

38:40Kind of hard to when we're negative. That depends how negative. We'll find out. 15. Well, we'll find out because 15 what? I mean, you got two cars. 15 ,000, yeah. Yeah, but you have two cars, so I don't know. One's a lease. Yeah, let's jump into – one's a lease. Great. Wonderful. Absolutely just delicious. This is fantastic. But I'm going to go three, two, one points. And on points, I want you guys at the exact same time to give me what you think your household financial score is. Zero to 10, zero being the absolute worst, 10 being the absolute best. Tell me where you guys think you are, okay?

39:11Three, two, one. Two. One. Okay. Well, you're both pretty close. You think you're doing a little better. Okay. Gotcha. If you watch your financial score, see where you need to improve, see where you're doing really badly, take the assessment for free at calebhammer.com. Just takes a few minutes, and again, it is free, and you can see where you need to change your life in order to improve your life. And if you don't want to be like a guest who ends up on this show, make sure you download my preferred budgeting app, DollarWise. Take the free trial, and if you like it, sign up for the annual version.

39:41You save a lot of money that way. but also for only the next couple months only and then it's going away forever, I will sign my budget-friendly cookbook and mail it directly to your door. So check that out, dollarwise.com. Let's jump in. So money going out versus money coming in. Money coming in. First of all, what would Zellen Cash App even be? Zellen Cash App, during that time, we were selling a couple of items before we were moving. She was selling and everything. 8 ,567 came in total with payroll and selling things. Not really lining up with the numbers you guys gave me, but okay. What was the outflow?

40:20Outflow does include, you know, include everything on the outflow. Yeah. What was the outflow? I think that month that was about 11 or 12 ,000. What do you think? I was going to say over 10, 11K. Hey, that was 12 ,000. That's crazy. You know it. I'm glad you know it. Mm-hmm. But it almost makes it worse. Why would you know this and accept it? Not that I'm accepting it. It's more that... You did it. Well, that had to do with the month that he bought the Home Depot. He did the Home Depot purchases. See, again, you're like, oh, we're saving money in rent. Let me just do this. You didn't know the fucking numbers.

40:59You didn't know what's happening. You didn't know the inflow. And look, you spent$3 ,000 more than came in. $3 ,500 more than came in because you wanted to go, Which, by the way, doesn't make sense if you only spend$1 ,500 at Home Depot. There's more than just that. But even still, what are you doing, dude? You can't just do that. That was a bulls**t cope excuse that you're trying to do. If you don't know the overall situation, you can't justify the purchase. I disagree. Look at the numbers. How do you disagree? Because it's helping us in the future. It's going to be... But you can probably do it maybe the next month if you guys cut from something else.

41:39If you do it without her knowing and nothing has changed on the spending front or payments front, then you're going to overspend what you did. $3 ,500. That is insane. I don't even know what the rest was for. I mean, it's ridiculous. I'll tell you that. Our spending is everywhere. It's all over the place. Okay. Disney rewards. It's the big one we talked about. Yeah. So these big birthday parties that are coming up, what are we spending? How much is it costing? What are we doing? How much does it cost? So one of the first purchases I did on that card after the tickets is I bought some decorations and stuff for the party.

42:21It was about$2.50. And then to reserve the lodge that we're going to do it at, it's at a park. It's at a public park. I want you guys to have this and spoil the kids. I want you to. You guys make strong income, but you're f***ed and you overspent. No offense. It sucks, but if he f***s up and he goes below his money you don't have, you can't go do that. Yeah. All of a sudden, the math just doesn't math anymore and the math did not math. Mm-hmm. What the f***? Yeah, you're preventing your kids having better birthday parties while you're spending money you guys don't have. Well done. And they have somewhere to sleep.

42:53No. Buddy, did they not at all? Flat out. No roof over their head. Nowhere to sleep. No air mattress. Kids. They were sleeping. Lady, what would you say? They did have their own room. So suck the fuck up. Yeah, and then she also had opened an Amazon card as well a few years back. But same thing. She would buy Amazon stuff every day consistently. She has like five freaking vacuums to clean the carpets. What are you doing? Why are you just blowing money on Amazon when you guys can barely afford to live? Especially during that time. Yeah, during that time is when we first started working as RBTs.

43:34I kind of didn't, because it was the first time in our lives, we were making more money than we ever had. I mean, so you spend more money than you even make? Yep. That's exactly what happened. Impulse buying. Every time we'd go to the store, be impulse buying. Yeah. Spending more than we needed to. When we first moved in, I used the Amazon card to pretty much purchase everything for the house. So we went, and he... Did he know when you opened this card? No, I did not know. Okay, this is a pattern. Both of you just go and do these things endlessly behind each other's backs and then justify. Justify, justify.

44:10What is wrong with you guys in communicating? Why not talk? Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. or this tea time you or even this tea time you said you hear about Dave or even tea time tea time tea time you so update on Dave it's up to you we'll take the laundry rinse it's time to be great we've gotten better at it now what do you think okay tell me this what prevented you from telling her about the Home Depot we know why you did it we know why you went and spent it why didn't you tell her What's the exact reason?

44:59It wasn't like me trying to hold anything from her. Yeah, but you still didn't tell her why. I was there working with the guy and we finished and we ran out of materials. We couldn't continue the construction and I wanted to get it done. And he's... That's not the reason why you didn't tell me. I'm saying that. What's the reason then? Because we were done. But what's the reason? He knew I was going to get upset because he did that. And I've been telling him every month. I've been stressed out about the credit keeping on going up every time that we... I tell him make these payments on these cards.

45:26and then I'd total up the amount of credit card debt or just debt overall total that we have left over. And then every single month, I just kept on going up, going up, not going down. It wasn't making up with the payments that we were making. So it was pissing me off. And I told him that, that, you know, he can't be making miscellaneous purchases just because he didn't transfer the money into his account or because he wasn't aware of how much money he could spend. He used a credit card for that. That sounds like an actual reason. And you disagree, though? I disagree. What the f***? For that Home Depot one, it wasn't anything like that.

46:01I had no intent of that. I didn't even think about it. I said, all right, we're done with the construction. We need more materials. But why didn't you think about talking to me about it first? Hey, I need to spend this amount because of the efficiency. I thought getting us out of a living room to sleep in the room. Okay, but you're not answering the reason what I'm telling you. I just said I didn't think about it. We were done doing what we were doing. We needed more materials. My dad was going to be home. I'm saying, I do understand what you're asking. I'm saying that I didn't think about having to talk to you about it.

46:32It was, and we're done. Let's get to the next stuff so we can get in turn. You thought I was going to be okay with that. I didn't think you'd have an issue with it. I told you we could stay in the living room longer than we need to so we can be able to afford to pay for it out of pocket if your parents needed help. I feel like one thing I'm picking up is that you can never be wrong. I disagree. Oh. Yeah. Okay. Listen, because every purchase we make, you endlessly justify. And then when we call you out at all, and then she looks at it from like a different perspective, you're like, nope, nope, impossible.

47:05Nope, nope, nope, nope, nope. Can't be wrong, can't be wrong, never wrong. Okay, what was your reason for not telling her about the like$4 ,500, it wasn't the EMT? The EMT school? It was, I wanted to do EMT school. I know, what was the reason of not telling her? I know why you did it. I want to know why you did not tell her. Why didn't you tell me it was that full amount? I don't remember even talking to you about it. I did the school. You knew I wanted to do the school. I remember everything. Tell her. Tell me. No, I remember. I just remember the whole conversation. But why didn't he tell you?

47:42I don't know. I don't know. I don't know if it was because he was the only one making income at the time. And what about the$1 ,000 before that? That was before he moved and that was the coaching. But why without telling her? It's also something we couldn't afford to do. Yes, we were in the middle moving. Yeah, that was just dumb. It was. Okay. And then why did you not tell him about the Amazon card? Credit card debt doesn't have to live on a balance sheet. It compounds like stress, adding up with every late fee, every call, every limit on your choices. It can feel like the numbers are in control.

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48:55And why? Because PDS has helped hundreds of thousands of people get out of debt. If I had needed this product, it's exactly what I'd use. Don't let debt keep compounding. You're just 30 seconds away from being debt-free. Get your free assessment and find the best option for you right now at pdsdebt.com slash hammer. That is pdsdebt.com slash hammer. pdsdebt.com slash hammer. I told him after the fact. I know. I know. You guys are not answering this very well. Cope, cope, cope. Why did you not tell him specifically why? Because at that time, he was the one that was getting upset over credit card debt.

49:35And I... You went and opened a credit card? I was the spender. And because I couldn't afford at that time to pay for anything out of my pocket because I wasn't working, I used the credit card for that So put it on an interest card So put it on an interest card It was smarter and then I had to Find a way to pay for everything Why did you not tell him about the Disney card? Well the Disney card yeah I mean I told him after I know why did you not Tell him before you opened? Because she wanted the credit And she wanted to do the vacation I was opposed to the vacation at first And I guess she was, I think she was scared of potentially me saying no or being highly upset over the vacation.

50:20I tried to convince him for years for us to try to see if we could take a vacation that's for a night away for a couple of days with the kids. Why did you open this without telling him? What's the why? Because I wanted to do it. And he was going to tell me no. There it is. There it is. Listen, guys, your lack of communication and not being able to even answer the whys until we finally got to that. He just didn't want me to do it. So that's why I did it without asking. Look at how you guys are operating. This is not great for the future. Anytime you guys want to do something, but you know the other person wants what would be slightly against it, maybe.

50:57Then you just do it instead, but behind their back. That's how the future looks because that's what the past has done. Both of you to each other. it's not great I say she has reasons behind it and I understand more now we've gotten better at communicating dude this Disney card just happened your stupid thing with the Home Depot just happened I don't want to hear it bullsh** bullsh** shut the f**k up that's bullsh** okay again I mean this is at literally $4 ,368.24 that is substantial That is disgusting, especially if we're talking about cutting back work, both of you cutting back work. Like, this is crazy.

51:41Minimum fee payments,$145. Well,$101 of interest accrued. How long does this take to pay off if we make minimum fee payments only without purchasing? Let's start with you, Logan. How long? Minimum fee payments only without purchasing, which I'm sure we'll find an excuse to purchase again. I'm not sure. What's the minimum payment on that? $145. $145. Like 45 years? No, 15. Still. Jesus Christ. Yeah. And that's what you guys have decided to do, just for fun, because this was fun card. This was bullsh**. No communication, hide behind each other's backs. Okay. And interest is accruing like crazy. We've had a late fee this year, I think.

52:25A late fee? I think. I don't think that one was a late fee. What is it? I think it was a time that... 50 bucks. Oh, yeah. What are we doing? No, that wasn't... What was it? Almost$300 of interest. What was it? The 50, I think it was... Was it cash in advance? No, no, nothing like that. I think it was that the account that it was connected to, my bank account, had changed routing, and it wasn't... So it was. It was a balance fee. It was a return fee. Yeah, it was a return fee. But that's f***ed as well. Yeah, yeah. Did the bank account change your routing? Yeah, they changed the routing. They updated the routing.

53:06I don't use a regular bank for my checking. Why? Because we needed a business account. I liked my business checking account. There's regular accounts. She has Lily account or whatever business account. The fuck? It separates the expenses and stuff for work and then what's non-business expenses. So you could separate. But you can do that regardless. Okay. I don't know. Well, that does it more, I guess, automatic for you, which sounds nice. But look how, this is at a 27.24 % interest rate of death. Yeah. Listen, you guys can use the Fiz card, debit card that builds credit. I'll do that. That's for people who aren't credit card people and still build credit.

53:45Also, I mean, as you're getting to this, maybe we can get you, let's get you the accounting certification as well. Since you're going into billing and all that, let's get you an accounting certification to Course Careers, help you land that job. A lot of people in the audience have done that and they've landed a good job. So let me get that to you for free. Best Buy What's going on with this card Best Buy is our Zero interest card I have interest being charged What? Okay Yeah So we purchased new phones They were used phones Her phone completely died on her And mine was all cracked up And to get the screen replay is going to be like almost 400 bucks Okay so no insurance Okay gotcha Yeah, our phones were paid off for a couple years already.

54:32So we ended up... It's just great, but what the kind of phones did you get? We have a balance of$2 ,536.35. I mean, that's... No, that's a mix of other purchases. Okay, so there's more than just phones on here. Yes, it was. We have a balance still from the TV that we got when we first opened up that card. The TV that we got. It was a Sony TV. You got a Jim Matt here, too, at Best Buy. Jim Matt with... I had purchased a treadmill, but I didn't... We ended up canceling it. She found a cheaper one on Amazon. Uh-huh. 17 years to pay this one off. 17 years to pay this one off. Yeah, if you pay that one off.

55:10You know, we're on top of paying off before the interest. Yeah, sure. That's why we literally only made the minimum payment in interest. Shut the f*** up. What are you talking about? No, I have your statements in front of me. I have the numbers. I don't want to hear it. That's some bull****. I don't want to hear it. I don't want to hear it. Also, you must pay. okay so in about two weeks one of the deferred interest things hits in a couple months one hits and then a few months another one hits and then about a full year or so year and a half is another balance and that's $1 ,665 for that deferred interest to hit I mean you're having interest charging because you are still just getting we have regular purchase it's only a balance of like$35.97 but it is accruing interest I wasn't even aware of that Well it's there I thought you're the one that looked I do but I didn't You'd see interest in Korean I found it in like a half a second We were on top of always You're not You keep saying that Keep saying that to feel good But you're literally not The Burlington Coat event is back Buy a coat now through November 29th And get$5 off your merchandise purchase of 25 or more from December 6th through December 24th.

56:29Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. Uh, what is this? I have a... It's K. K Jewelers. Tell me. Her wedding band and that stuff I bought. He actually went to Kay? We've always, he got my first engagement ring there. Kay, first? Yeah, so first engagement ring, we went to get the wedding band. First engagement ring? How many engagements did you guys go through?

57:10No, just one. It was just one ring. The ring that we went to get the wedding band for it. The one that I had had a lot of curves, and they had discontinued the line two years later. Yeah, so then we had to replace that one to get the new ring with the wedding band. Honestly, no, I don't give a$53 minimum payment,$52. We have a balance of$1 ,466.09. Fees,$48.67. A debits of$130.12. What's happening? Yeah, that one was a f***ed up month. Yeah, same thing. Yeah, just an odd f***ed up month that certainly never happens. that didn't happen on the other card earlier in the year. No, that was with Kay itself.

57:54Tell me what's f***ed up from Kay. So that is, we had always had purchases and stuff from them before and we've never missed a payment. And that month. Oh, you do. That month, we did not miss the payment. They ended up charging an account, an old account that we had on there. What? Why is everything outside of your own hands? That doesn't make sense. They wouldn't just pick a random account. Well, we don't know. No, they're just like, hmm, what account do I pick from today to charge? That's not how this works. But that's the thing. We've only ever had one account on there for the last year. And they charged the account and they said that it bounced back.

58:27And we don't understand why. Because you didn't have enough in there. We made the payments the day that we got paid. So how did we not have it in there? Your payment, your pay, your pay may have not hit. We make the pay. No, the pay hits at eight o 'clock in the morning. I make all the payments at five o 'clock. You can say that as much as you like, that did not happen. It did not work like that. It bounced. It bounced because you did not have the money. Are you saying between paychecks, we literally go down to like$5? Yeah. That's, you guys make way too strong of an income. What are we doing?

58:56We're, she, so she, I've been telling her to. Was it just the engagement? I mean, you brought watches for the entire family? No. Yeah. Well, I bought, I bought myself a watch for, it was like Christmas time. And I had gotten my dad a birthday gift as well. His dad's birthday is the day before Christmas Eve. Why are we buying watches for people when you can't afford to survive and you're not even making minimally payments on time. And a matching necklace, I guess, yeah. For her ring, yeah. Uh-huh, great. Yeah, well, why do we think we're allowed to do that? I was inside and never really buy anything, and when I do buy, I want...

59:34Oh, f*** you. What are we doing? Never buy anything. You guys have spent... What are you talking about? $3 ,500 over what you make. Never buy anything. What are you talking about? Does he never buy anything? No. Hey, does he never buy anything? Not really. what how possibly we've given up a lot of things having the kids that doesn't make sense I feel like you guys don't understand maybe you don't do the endless micro purchases that like you know death of a thousand cuts you do massive purchases a few they're still buying things 100 % it was like once a year kind of thing and yeah it's dumb but we went and I wanted a$300 watch.

1:00:19I wanted a$300 watch. That's more important than the family. So the way I kind of saw it, I was like, I got her a ring. I had purchased her a ring with the wedding band. I got her the necklace and everything else. And I was like, if I can buy all that to get her what she needed, what she wanted, I can't give myself a$300 watch. I know it's a cope, but as someone that works 50 plus hours a week, I thought, you know, Why do you have to work 50 hours a week? Because you have horrible debt minimum payments to pay on. So really you're just working in order to work more. That's what you're doing when you go spend all the bullshit.

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1:01:29Like what the f*** Yeah, we kind of splurged Yeah, we splurged at that time of year Yeah, return payments Yeah Return check It's f***ing stupid What are we doing? It happened twice And the fee? Yeah, they charged the fee of the interest after Because supposedly they were charging a fee On top every single month Which I was not aware of I don't have access to that account He does So I wasn't aware Got the babies matching bracelets too What are we doing? I never spend money on one card. Look at all the stupid things we're talking about that you've done. Also, f*** you. What the f*** is... What? Hold on.

1:02:11Okay, this is not the first time this year. No, that was all last year. No, no, no! The fees was not one time this year. There's$48 to be this last month. F*** you. It's been$276 this year. What? Oh my f***. Guys, you have no idea what is going on. You're the one that's in here, you say. Yes, but I don't have access to that account. What? He's the one that has access to that account. Why don't you request if we're budgeting and we're trying to figure out what our situation is? I have been. He doesn't remember the passwords or he doesn't give it. How do you get this then? Because you got it to us.

1:02:42He sent it to me. He screenshot it to me. So he's able to get in. Exactly. So that means you can sit down and look with him on a monthly basis. Okay. What the f*** is wrong with you guys? Almost$300 in fees, bounce check fees this year? No. On one card, yes? It's not for the bounce check. What? It says it on there. They charge a$15 monthly thing. I think it's for the insurance for something for the rings and all that. Yeah, I was going to say there's no way that's a free. But at the time of this month, well, this was the seventh month. Okay, seven times 15. Guys, that gets us to$105. Again, you had almost$300 of fees.

1:03:18Fuck you. That is not mathing. Yeah, that doesn't make any sense. I have no idea. so because you're not willing to send her a screenshot I think there might have been a late payment on there one time why? no why? would be the answer that you should ask to the question I just asked trying to pay for everything but I was the one budgeting I saw that in the overall breakdown I was budgeting everything but I made the payment after like 8 o 'clock at night that day. And they see it as late. What hour we're making payments, you guys are f***ed. Yeah. What? And you have no idea. One late fee and one bounce check fee would again not bring us to 300 from the 100.

1:04:09We're talking at least maybe two good months on time. No. Yes! To make this math work, you f***ed, what do you mean? What are you knowing? Go ahead. What evidence may you suggest? We'll have to look through the statements and see what those charges are, but it's not missed payments consistently. We make payments on time. Buddy,$300. Miss payment is typically a fee of about$30. You had$100 the monthly maintenance insurance fee or whatever. Mm-hmm. Please explain where the other$200 came from, you tit. I would not be able to know since I do not have access. And why not give her access? You tit. I can give it to her.

1:04:45Huh? I can give it to her. Sure you can. Why haven't you? You tit. Because that account to log in, you ask for a code every single time, I'm sure. Good. Why not give it to her? I can give it to you. It's not an issue. Okay. Then why haven't you? She asked for it. Oh, I can. I can. I can. That's not a f***ing answer. You haven't. I'll have to send it to her. Yes, you'll have to. I'm asking why you haven't. I don't know why I haven't. Bulls***. Why hasn't he? I don't know. I haven't purchased anything on that. You can't accept doing something bad or wrong in your life once. You have no ability for self-reflection.

1:05:22I'm working on it. That's why I'm here, right? Ding, ding, ding. Well done. That's a good way to get out of some pushback, isn't it? I'm working on it. Are you? I don't see it. If you're working on it, I'm not seeing any kind of indication that you're working on it. Fuck off. What a cope to get out of some pushback.

1:05:48I agree. I see. What's happening over there right now? He's shutting down. I know. Why is he such a little p***y-ass p***? Usually when he's told by someone else besides me that he's wrong, he sets down. Does he listen to you? He's not even giving you access to the account that you've requested access to multiple times. I repeat myself a lot. Uh-huh. So I don't think he even listens to you either. Yeah. Sometimes. What's going on? Why is he being a little cuck right now? I think he's just nervous. Just nervous. Why are you so nervous? Nothing. You're being called on your bull. You can't actually make a valid excuse this time?

1:06:31Not that you have. No. I know where we're wrong and where we're working on. Where? You're not giving her access. Where? Yes, I can give it to her. That's not an issue. I know you can. You could have. It's the fact that you didn't after she's been requesting. Well, you will give it to me, right? I will give it to you. Okay. Jesus. What? No, the fees. I just want to... Yeah, it's... Yeah. Not letting her see shit? What are we doing? That one's Home Depot. For some reason, I want to let me... This is the Home Depot. Yeah. Great.

1:07:18$1 ,426.46. What's the minimum fee payment? It's$30. Is it deferred interest or just interest-free? No, deferred. And when does the deferred end? The deferred end is in February. Oh. Yeah. Oh. When did you tell her about this? The day of. Yeah, day of. And what was your reaction? What happened? I was. Yeah. Tell me how to go down. Tell me. I mean, I was already stressed out being with the kids by myself, not knowing why he left the house. And no, he didn't tell me that he was leaving because I was too busy with the kids. At least he wasn't busting flaps, busting plywood. Exactly. Well, thank God for that.

1:08:03But yeah, no, I was mad. but you know I told him we should have waited until we had the money at least the next month we could have separated the money together to pay for those items but he probably said oh we need it he was with his mom so his mom kind of convinces him to do some things sometimes little beta boy she's an impulse buyer no she's an impulse buyer great I'm glad she is this is your dad I don't give her no beta boy no my father was already spent a bunch of money to make this place for us the efficiency and all that. What? Is it your parents' place? Yeah, it's an efficiency. An efficiency in their house.

1:08:40Yeah, the garage. We're enclosing the garage, yeah. Fuck. Okay, I picked that up at the beginning.

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1:09:20Okay. I mean, you're still not getting any kind of equity position. That's why you're spending money. It's so weird. So I wanted to get it done. And the way I see it is I'm helping my parents as well. Yeah, but you can't even help your own family. We're going to be saving on rent. So instead of paying the$2 ,200 a month we were paying in rent, we're going to be paying$700. So, you know, saving money at the end of the day, but I didn't like the fact that he used a card instead of us trying to work it out the two weeks later when we got paid to work it out from our paycheck. Do you guys fall back on them often?

1:09:53Parents from either side? No. We get strapped on cash. No. No, this was more, we were talking, like I said, my mom works in this field. Why am I being told they've relied on your parents for like every fallback housing option every time they've needed money they crash their mom and dad's? Mostly yes. What the f***? Why'd you just say no? When we moved from. I swear I can't get answers from people in this conversation. It wasn't for the producers. I would just believe people. No, no. So this time we moved because my mom works in this field and she saw what's happening and saw. So because he's going into nursing starting in January and his income was going to be cut in half and I don't have a morning client, we weren't going to be able to afford rent and the new car payments and everything else that we had to make.

1:10:37You know, everything else we had to pay for. So we had to cut back on rent. And his parents offered for us to stay with him until he finishes his program. They help us and we help them in a sense because the room gets done. they'll have something to rent out after we move out so they can Okay, yeah, sure, great let's invest in them when we can't afford to survive instead of investing in our own family that's smart. $356.62 is needed on a minimum monthly basis in order to pay this off Okay, understandable, but the thing is it makes more sense to go pay rent somewhere else pay triple the amount I'm not saying that, I didn't say you could move in, but you're paying for help in renovations Yeah, and we'll have it paid off How?

1:11:19You overspent? Okay. And now we have less expenses. But the amount you overspent was more than the rent you saved by far. Okay. And then this month we won't have those payments to make. Uh-huh. And we don't have to buy more materials. It's already done. Uh-huh. I don't think he understands. I think he just has to be right. Hi, Alyssa in here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Webull.

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1:12:42Five, if T-Mobile is good in your area, switch to Helium and get a literal$0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at calebhammer.com. You will not regret any of these change your life today. Some arguments go like that with him. Yeah, shocker. Who'd have thought? You're not a very productive conversational person, are you? He's gotten better. I see. That's what I feel like I keep hearing in this conversation is things have gotten better. And then every indication is no, they have not.

1:13:20When I actually look at evidence. No. I've actually told him that he should, after we leave here, he has to start giving me his credit cards. And? He said okie? Yes. Okie dokie? Yes. Good. Has anyone ever cheated on each other here? No. No. We've never cheated on each other. That's good. No. The fact that you go behind each other's backs constantly, it's such an interesting. Yeah. Very interesting. Capital One, well, what's the deferred interest that's actually, what's the interest rate that is accruing in the back end on the Home Depot? I think that one said, did it be 27 %? Fuck me. Okay. Quicksilver, what's going on with this?

1:14:06That one is mine, I believe. Doing what? What's going on? really I don't remember $1 ,026.53 is owed with a minimum repayment of$36 you're purchasing$84.51 while$26.55 of interest is accruing why are we purchasing our credit card that we can't pay off that it's accruing interest why possibly hey you're the one managing finances why possibly seven years to pay off by the way I think I used that card to cover our daughter's formula because she goes... Oh my goodness. Are we f***ing kidding me right now? We're using a credit card to pay for formula when you're saying, oh, we can pay off the Home Depot before the accrued interest hits?

1:14:50Shut the f*** up! Not a thousand dollars. You have no idea what you're talking about, dude. You don't know the numbers. She had to use a f***ing credit card to pay for baby formula while you're going out and renovating someone else's house. Well done! What a joke! They sent$1 ,200 of formula there. Exactly. That's what I'm saying. She had to use the credit card for literally just like 30 bucks. That's even worse, you f***. You f***. That's even worse. If it was$1 ,000, yeah, maybe she would have to use the credit card. She only had to use it for 30 because you're out blowing money on someone else's property, you f***.

1:15:31What a cope. You're the master coper. What the f*** is that? Why did you feel like you had to spend this on a credit card, huh? I didn't have any more in the budget I've been trying to budget it in with the groceries What is wrong with you? You creature You hear that? She has to go spend a credit card on baby formula What are we doing? This is another point that we disagree on I've told her for a while Yes, we disagree that the kids should eat No, not that I'm pushing back, I'm trying to explain So basically, I've been telling her hey, instead of paying off, putting all our money, because we're paying a bunch towards credit cards every month.

1:16:07No, by the way, no, but okay, sure, go ahead. Let's pay the minimums. We'll save money, create a small little emergency fund, and then tackle the debt. And that way, when that happens, when let's say something comes up, we go over budget, we have some money for those things. You guys aren't putting a lot on the credit cards anyway, and the credit cards are accruing fees and interest and bullsh**. It's not even making differences. The f*** are we talking about? Second of all, dude, you had to put$30 of formula on here because you're going into the home. $55. $55. Formula is$55. $55 a formula because you wanted to go renovate someone else's house.

1:16:40That's... Yes. Yes. Yes. That took money away. Now you guys have to make a required $356 minimum monthly payment from your checking account to the Home Depot card so that it does not have back accrued interest hit in February. Meaning, when she has to go get $55 baby formula, that money no longer exists because of your Home Depot ass motherfucking dumbass decisions. True. Wow. Oh, my goodness. A breakthrough. An absolute breakthrough.

1:17:15What a joke. 36 minimum monthly payment on here. Balance$1 ,026.53. Apple bill, apple bill, apple bill, and animal registry. This wasn't baby formula. Oh, the animal registry, they returned back. This wasn't baby formula. I thought it was. Apple bill, apple bill, apple bill. This wasn't even baby formula. What are you talking about? What are you getting? I know one of them is the Crunchyroll. One of them is... You Crunchyroll. Why do you think you're allowed to have Crunchyroll right now? It's the only thing we like to watch. I don't give a f***. YouTube's free. I don't care. Not the same. It's not Crunchyroll.

1:17:53You're right. It's YouTube, but it is free. That's the biggest thing that makes it not the same. Yeah. You can't afford to live. I don't give a f***. Open your phone right now.

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1:18:43And we've had a lot of subscriptions that we've canceled recently, including Hair AI that just expired. Poke, pock, pock. Sweepy, Home Cleaning Service. Oh, f*** you. No, we weren't paying. Is that in creator space? No, that Sweet Pea wasn't a home cleaning service. It's an app for tasks around the house. You were paying for that? I paid$7 for it. She paid for a lot. Anything else, that Poc Poc and Cakey is for my kids. Great. Entertaining apps. They are going to grow up in literally the grandparents' house because their parents can't afford to take care of them. So let's get them apps. Delivered this month, a nice eight-drawer dresser, 55-inch.

1:19:25Q guys, what are we doing on Amazon? We needed a new dresser. Rest pump, I'm good with that. Squeeze the tits. We got to do it. Baby's got to eat. I'm vibing. The dresser. The dresser. Get some racks and some clothes hangers. You're trying to just, we're scrapping right now. We're scrapping. If you can't afford to live, we're scrapping. Like we're not investing in furniture into this place that we're not going to be in long term probably. Baby sun hat, that's fine. Liquid hand soap refill. Yeah, hand soap refill is a good way to do it. Body measuring tape. Okay, listen, you were pregnant, so you were fat.

1:19:55Get over it. No, that was recent. That was recent. I was doing a nutrition program to lose the rest of the baby weight. Is it healthy to be tracking the circumference of gut? I had to measure from my trainer to measure my arms and everything. Your trainer couldn't manage you? Huh? Your trainer couldn't measure you? It wasn't in person. It's online. Hey, hey, hey. Yeah. I tried to find the cheapest one. When we moved, I couldn't find it. Okay, it's not the worst. I had. Dish drying rack. vitamins, hairbrush, hair mask, hair dryer. I'm sure you had one, but okay. No, I have never. I haven't bought my own hair dryer before.

1:20:36And I have very curly hair, so. What the f*** are you doing before? Well, the dresser's the bulls***. Yeah, well, we needed the dresser. The dresser that we had, we've had for the last seven years. Yeah, but why invest in furniture in this place? It doesn't make sense. Get a f***ing rack and get hangers. Because it's ones we're going to keep. We don't know. You don't know what your living situation is going to look like after this. You do not know that. You do not know that. I don't plan on changing anything. You do not know that. You don't know what the layout of the next place is going to be like.

1:21:06That's impossible to say. You might want to keep it, but you don't know. Well, I like it. We have to change it. And you're out there paying for Pokemon Go raid passes and Pokeballs? That was... So I was. That you recently got back into? Yeah. Great. That's what we need to live. When we went back to Disney to entertain our kids in the lines. In the lines, I downloaded it. And then I got hooked again and played a little bit. And I used to play. I used to do it. So in the mornings when I would wait for my client, I'd go walk and get steps. And I would play. And it was dumb. Yeah. And you were getting back into it?

1:21:44No, I stopped. What? Yeah. I b***ed him out about it a couple of times until he stopped. Yeah. Yeah. I told him you better lock that card right now so you don't get charged anything. By the way, Quicksilver late fee this year, 100 % a late fee. Not even a question asked. So that's three of the credit cards we've looked at so far. Yeah, you guys are great. Come on, you set yourself up as, I'm doing better, everything's so good, last six months, blah, blah, blah, blah, blah, blah. Fuck you. Fuck you. I have the statements. Shut the fuck up. You're not going to lie your way through this. That's not what's going to make your finances better by pretending your finances are good when they're not.

1:22:22Shut up. Interest this year, 300. We're at a 30 % interest rate. And everything else, are you moving at all? Are we selling everything? Are we getting storage units? Are we moving everything into the garage? How are we doing this? We have stuff in storage currently. A storage unit? Yeah. So we're paying for a storage unit. Yes. Why not just... How long are you going to be at the parents' house that you're investing in? It's not furniture and stuff that we have stored in the storage unit. It's all of our extra clothes and stuff that we can't fit in the storage unit. Yeah, we just finished the room.

1:22:55We have a lot of our kids' stuff in the storage unit because we don't have enough space in the house for it. And get rid of it. I can't even remember now. What kind of consumerism bulls**t says get rid of it. If you're not going to have it in your house for them to even enjoy, get rid of it. Yeah. Exactly. Yeah, but we just finished. We just finished. Since we just finished. Excuse me. Since we just finished the room where we just took out all our main stuff, like our clothes and stuff, starting to put it away. and we're planning on to empty it out this month so we can get rid of it. You better.

1:23:22What does it cost? $79. Oh, you guys just don't have that flexibility. $26 in this cash-up account. Yeah. Wing Dixie Company. That's the grocery store. Okay. What are you doing and getting$8 from the grocery store? I know that's bull. It always is. It never. No one goes to the grocery store in the United States of America in drivable infrastructure and picks up$8 of groceries. What did you get? Holy shit. I don't remember. What you getting? No, every once in a while when I plan on cooking. What do you stop in and get in some bullshit? No. There's no way. I don't believe it. No one does the European way.

1:23:57So the way I plan out with groceries is sometimes when my client calls off, I go and do groceries. I do like, I figure out what I'm going to cook that same day. I go and buy pasta, the pasta and the sauce. I hope so. I'll take your word for it. Everything is not convenient there. I try not to buy like a two groceries. Personality.co. Personality.co. I was trying to figure... That was something before we applied for the show. I was trying to figure out what I wanted to do for work. It was like a personality thing. Yeah. And PDQ Naples,$5.44. Yeah, that was food and that was a meal for my son. Every once in a while, we'd have to take him to work with me.

1:24:35So I'd have to get him something to eat. Oh, Hyundai Santa. Yeah, that's a Santa Fe. Santa Fe. Fuck. Yep. It's at a 7.5 % interest rate, guys. It's not great. Nope. Great, but we have to get a brand new car or else every car is shit and we definitely can't get it looked at by any kind of mechanics at all. Ever. This isn't a$53 ,725 and we'd rather live with our parents and get a car that we could... It was with a carryover. This is ridiculous. This is insane. minimum monthly payment of$857.75 is disgusting. And this is for one of the cars. What in the America are you guys? This is insane. This is crazy.

1:25:29We couldn't fit our kids in a lawn truck he had. Oh, come on. So we had to get a$60 ,000 car. I don't want to hear it. You can fit people in cars that aren't$60 ,000. What's it worth? I think I looked recently. It's only worth like 30 with the miles I have. Yeah, it's worth 30. You're underwater by half. This is one of the worst equity positions I've ever seen in a car. What the f*** are you guys? You can't get rid of this. There's nothing you can borrow to make the difference make sense. This is insane. This is disgusting. This is insane. A$53 ,725. And you guys are cutting your income in half.

1:26:09You're going to be like a$5 ,000 household here in a second. Good luck! Literally a fifth of your income is going to go to a Santa f***ing fae? Mm-hmm. At seven and a half interest! Mm-hmm. That it's worth almost half. Oh, my f***ing kill me. This is insane. When did you get this? When possibly? April. April. Or March. Oh, why? Listen, okay, get a new car, but why a$60 ,000 car? Because she doesn't believe in used cars. Yeah, but why a 60? It was the carryover from the trade-in. How much? It was a$15 ,000 carryover. The Hyundai Elantra, we couldn't fit the two kids and the three kids in the car.

1:26:58You used to have a Ford F-150 at 0 % interest, but you made them trade it in because you couldn't climb into it? When I was pregnant, yeah. I couldn't climb into the truck. There was no other transportation options. We were only driving one car. No. Oh my f***. Get her a ladder, a step stool. No, seriously, a step stool. I don't care. I offered everything and it was consistently always fighting. Buddy, we don't trade in a 0 % interest rate car that we can maybe afford for something we're absolutely insane. I can defend him on that. He did fight me on that a lot. I was the one that pushed him for the car.

1:27:28Yes, and he should have. You were being ridiculous. You were getting pregnant, brainer. And I kept fighting and it was consistently every day. I got home from work. I can't with this car. This car is driving me insane. I can't. The kid's in the back. And it was every single time. It was all 24-7. 24-7 until I got her the car that she wanted. This is insane. This is insane. That's my car. That's on my credit. This is one of the most insane cars I've seen in a long time. Yeah. Why are you guys doing this? And then your lease is another$876 a month? What have you guys done? What have you guys done?

1:28:11So that car that we traded in. So the 0 % interest forward that I traded in, I got her a Palisade. How long's your lease? Four years. And you drive a lot? Do you go over the miles? Are you projected to go over the miles? No, we'll be good. We got$12 ,000 a year. Since he's going to be in nursing, he's going to be close by. If you're okay with$12 ,000 a year, you could have got another car that would have lasted years. It was going to cost more. regular car. What are you doing? What are you going to do when the lease is done? What's your plan? What's your big plan, guys? Because you guys are fucked.

1:28:45How long into the lease are you? We just started. We're only a couple. July. We started July. You're having this for $176 ,091 a month for four more years? This is insane! $857 ,75 plus$876 ,091. We're talking $1 ,731 $34.66 when you make$5 ,000 a month coming up here, if you're lucky. Oh, that is 35 % of our income is going to cars, depreciating assets. And that's not even true because guess what, guys? That lease isn't sticking around. You're going to have to buy it at the end or get another one. Yeah.

1:29:33So I traded in that 0 % interest forward, and I got her the Palisade. And then that car she had from 2021. Yeah, I had that car from 2021. We were sharing it for a year and a half, driving him to work. And then I was working doing Amazon, DoorDash and everything while I was pregnant. What's nursing school going to cost? It's going to be$36 ,000. Over how long? It's 19, well, 16 months starting in January. How are you paying for that, you f***ing? Student loans. Student loans, yeah.

1:30:13This is ridiculous. You guys have f***ed it. This was so, so correctable until we got to the cars. And now we're f***ing. Now we're f***ing. And my palisade was causing issues. As soon as we hit the 100 ,000 on it, this past April, found out with multiple mechanics that the motor was giving out so I had to get rid of the car our mechanic told us I recommend you get out of this car before it blows up on you and then you have a payment and no car

1:30:54checking it out $292 for people making six figures what? What? No, that's his. Yeah. Zelle, Cash App. That's sending it to her, yeah. Yeah. To make the payments and everything else. What are you getting a Target for 26 bucks? Target's unknown. It could be bullshit. It would be good. I don't know. Probably some fruit or something. Stuff for the kids. Or whatever. Uber Eats! Uber Eats! Yeah. Cash App, Zelle, Crunch 6. Crunch Fitness, the gym. Five bucks? That's all it is? You got something at Crunch. You got a little drinky. Protein or pre-workout or something like that. Pre-workout? Dude, that doesn't make any sense.

1:31:41That's just so fucking expensive per serving. Again, I advocate for them super hard. I will get you literally free samples of Gamer Supps. You scoop that into the shaker. Shake it up. That is 20. Gamer Supps. Not Gamer Supps. I have a different one. Okay, well, do Gamer Supps. It's literally 25 cents per serving. I'll get you a 10 % discount or something like that, or free samples. Link in the description below. Instead of these$5 energy drinks or pre-workout, dude, give yourself... Dude, this tastes so good. This is my afternoon. We're filming this in the morning, so I'm drinking coffee. This is my afternoon energy.

1:32:16It's so good. 25 cents per service. Or per... Per serving. Serving. Instead of your stupid$5 thing, this makes no sense, guys. It makes no sense. Again, we got 10 % off even. It's already even better. So 10 % you're saving from the 25 cents. Like, what the f*** are you doing? This is so stupid. There's so many options out there. Instead of stopping and getting your f***ed chip. Spacebox, pizza, cash app, Spacebox, McDonald's, Subway. The Spacebox is a storage unit. McDonald's, Subway, Trumpo, Encanta, Pollo, Encanta, Starbucks, Burger King, Amazon, McDonald's. Zell, bull, Primo water, Primo water, you're going to get in fucking water things?

1:33:02Yeah, we, fill up the gallons that we have since we live in well with the well water, we can't drink without the water, yeah. Zell, Zell, pre-workout or energy drink, probably. There's the storage, the storage hits like every other day? Yeah, I don't freaking know, I even noticed Starbucks, Starbucks, Amazon, bull, bull, Ross, Amazon, Zellin, Zulie's header, Zeland Cash App Cash App Fresh Bow ATM Cash App$200 Who knows where the f*** that went Cash App$132 This is crazy That's the pay for daycare This is f***ing crazy Okay that's fine But that's f***ing crazy Look at that Look at that That's f***ing insane That is insane What are we doing?

1:33:44And again the five hour purchases It makes no sense dude Just use my link for the f***ing gamer subs Please I promise it's so delicious Listen I'm a f*** So I got good taste It's so good. And you get this. It's the same. It's the same. So much more affordable. And it's so good.

1:34:06Use code Caleb. Lily. So is this you? Yeah, that's the bank that I have. Boyo Tropical. Prime. Amazon Prime Video. McDonald's. Wendy's. Some bulls**t. Some bulls**t. Scooters Coffee. Prime Video. We're renting or buying all the time on Prime Video. Some bulls**t for groceries. Hard to say. Disney Plus. McDonald's. Hair by Taylor. $335. That was my hair. $335. I wanted to get my hair done. I hadn't had my hair done in three years. Well, you're more f**k than you were probably three years ago. So I don't know if we're doing that. I'm sorry. I mean, get your hair did, but I don't know if we're going all out at that point.

1:34:46Pepper Burrito Instacart subscription. F**k you. Go to the grocery store. sent hound. Yeah, I know. I got that money. Who are you trying to goon up? Sent hound was for our dog where we had to put him down. That's the reason why one of the credit cards were... That's very sad. That was a subscription that we pay for monthly to get him to take a bath every week. So it was at a grooming salon over there. It's a chain that's in Florida. Uber Eats! McDonald's! There's the subscription again. Amazon Prime! I think groceries. There's the duck subscription, duck subscription. Fandango, Fandango, and Uber Eats again.

1:35:23Yeah, the Fandango's the movies. This is f***ing ridiculous, dude. And a dollar in this account. I see savings to save our f***ing life. Yeah. There's more water. This is insane, guys. Like, what are we doing? Your bullshitting was off the charts for something. We can't even afford life.

1:35:51Your minimum monthly payments on debts alone is$2 ,383. That's about half our income that's about to be during school. And that's, hey, you're actually going to be borrowing more. That's going to be great. $2 ,383.99. Good the fuck luck. Your new rent was$800, you said, I think? $700. $700. Do you have to pay utilities to internet or anything? No. Okay,$700. Very good. Income is going to be about$5 ,000. That's what I'm putting in right. Isn't that what we're projecting? It's about 60. It'll be 64. 64. Nat? Yes. Good. And that's if... Just a little. That's if she doesn't drop her client. That's while he's waiting for his second client to get through the process.

1:36:33So they probably won't be for another... Phone bill? We have U.S. Mobile, so we pay annual. Okay, that's pretty good. That's similar to Helium, which we like. I compared it. U.S. Mobile was cheaper. Yeah, it was like 300 for the whole year. At Helium, you can get a$0 plan, so I don't know if that's true. Oh, gotcha. Not the unlimited, yeah. Transportation, gas, vroom, vroom, drive, drive. We drive a lot. Yes, it's a... $400 a month for me, and then... Yep. I told you we drive a lot. And then how much? And then it's$150, no,$300 a month for me. $700, that's going to f*** us. And car insurances?

1:37:08It's going to be$320 a month starting, since we just moved, it changed. Necessary food. How does the food work in the house living with the parents? His parents normally cook a lot, but because I still need to get baby food for the baby because she can't have solid. I'll let you contribute 500 to the overall pile. I don't think you need to do that much, but we'll see. I always do more than that. Well, don't. It doesn't sound like you need to. Well, because I still cook and stuff for my kids because they don't cook very healthy. They cook a lot of greasy stuff. So 700, can I get you to seven? I normally do.

1:37:38You normally, but I don't give a fuck what you normally do. Yeah, I could do 700. Because if they're still cooking, and we're going to take advantage of that. Not in a bad way, but KTP fund, anything else you need to survive? We should be able to do about$250. Now daycare, how much? Daycare is$530 a month.

1:37:59Okay,$530, gotcha. We have our son's aftercare program. That's$309 a month. Okay,$309, that's okay. Medical healthcare, is there anything co-pays on a monthly basis? No. Good. Gym, how much? and trainings, all that stuff. It's like$200 for him. Including your training? I'm not doing it anymore. $200? Kill me now. I know we just lost a dog. Very sad. Very sorry. Do you have any more pets? No. Okay, so no pet food, no pet insurance. And I wouldn't get one again yet. Oh, no. He cost a lot. He had a really bad skin allergy, so I was paying$130 for his food. We can get a pet again at some point, but just not now.

1:38:40Subscriptions, let's say$30. Yeah. Anything else that needs to be in your budget that I have not taken account? My student loans, for some reason. They weren't there. What the f***? Yeah. How much? $6 ,300. What's your minimum of the payment? My minimum is$43, but I always pay$50. $43. Yeah,$4 ,351. Add$43 to the debt payment. plus 700 plus 700 plus 320 plus 700 plus 250 plus 530. Yeah, how much? 23.58. Plus 23.58. So. $6 ,189.57 to survive. This massive income drop, we're only going to have$210 left over. 210.43. That means with your debt, including if we buy out the car, including the new student loans, including your student loans, which will be added, what did you say, like$16 ,000?

1:39:46How much did you say? It's$36 ,000. Another reason why we came on the show. It works through Ed Financial, so it's going to be deferred, I'm sure. It will, but that will bring you guys to a total of$147 ,215.77 a debt. That's if I go to school right in January. I haven't signed up yet. I'm not necessarily against school. It's just like, I don't know. But all I'm saying is that takes 699 months to pay off. Yeah. It takes 60 years to pay off.

1:40:20Honestly, what I would do in order to get out of this Hyundai because this is what's going to kill you.

1:40:31Couple options. Yeah, maybe we delay school and you guys do everything in your power to keep up the six-figure income. Beat down this debt as quick as you can, then go to school and change careers and all that stuff. You just got to beat, beat, beat, beat, beat, and hustle, hustle, hustle, grind. That's what I would rather you do. I could do it. And I think with that, bringing in the$10 ,000 net, you can pay this off in, you know, at that point, probably a couple years, and then we go back to school, and that'd be fine. Or we go through bankruptcy and also lose the car. No, we've done debt consolidation before.

1:41:02Well, that doesn't work. Before you ever consider anything like that, you have to change your behavior for multiple months. I think we're putting off school. I think we're even putting off switching your career path. You're working your ass off. You're working more than you've ever worked in your life. And you're tackling the debt. And in a few years after you've paid off all the money, have a fully funded emergency fund, which is six months of your living expenses, regard to live, then we can go do these things. And then you need to catch up in retirement because I didn't see retirement. We need to start contributing about 20%.

1:41:26So that is, I think, the grind from here. Okay. Okay. All right, ladies and gentlemen, join us for an extra 20 minutes of the episode where we can cover extra things that we can't say in the main episode in the Financial Out of Post show. Let's get to Hammered Financial Score first. Spending and a budget, 0 out of 10. Debt score, no collections, but that car situation, 80 years to pay off your debt or whatever, 61 out of 10. Merchants fund, no savings, 0 out of 10. Retirement, no retirement, 0 out of 10. Real estate, nothing, 0 out of 10. Hammered Financial Score, rounded up to 0.5 out of 10. Get yours at calebhammer.com and click that join button.

1:42:01Join Hammer Elite for three premium shows posted every single day, Monday through Friday, and we'll see you in the financial auto post show. Well, me. Apparently there's more debt. Out of daycare. Kill me now. For my grandmother and then for my aunt. I'm going to die. That's insane. Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.