Pregnant OF Trash Addicted To Payday Loans | Financial Audit

33:19In my new debt mastery class, I'm not just teaching you how to get out of debt. I'm showing you how to make your debt work for you. Imagine negotiating lower interest rates like a pro, using strategic debt to boost your wealth, and finally breaking free from the psychological traps that keep you financially stuck. This isn't just another pay off your credit cards course. We're talking next level strategies. We got 10 powerful tools to accelerate your financial journey, insider tricks to negotiate any payment, not just debt, and psychological hacks to curve your overspending and live your dream life.

33:54For a limited time, it's 35 % off. Plus the first 500 to sign up, get exclusive access to my private live stream where I go over my personal debt payoff journey in detail. And there I also go over how I use good debt to build my wealth. So don't just escape debt, master it. Click the link below now and transform your financial future. Only a few spots remain, but they're going fast. See you inside. So we did. We just didn't realize how much the closing costs and everything like that. How much was the closing costs? I think it was like 5 ,000. Okay. What are you telling me you guys bought a house and you didn't have$5 ,000 saved up on the side?

34:30No. Then you were not ready to get a house. $5 ,000 shouldn't have made or break you if you were in the process of closing house we had been married for like to be fair you i don't care you don't get a house if you don't have a fully funded emergency fund to cover everything you need to live for six months while owning the house well we did huh well i mean that's what we did we did buy the house and we weren't ready so well you asked what happened to my credit and i told you you're right you're right you're right all right so how'd you come up with the five uh first of all how'd you not think of closing costs Did your realtor not tell you about closing costs?

35:08They did. And then we just pulled a personal loan for it. Oh, why did you do that? So we could get the house. Why did you get the house right then if you couldn't afford the closing costs? Well, we could by pulling. So our realtor was like, if you guys pull a personal loan, you'll be able to afford the closing costs. Oh, your realtor is a shit. Well, he wanted money. but I have a realtor and he actually gives me good advice he happily tells me not to buy things constantly because I'm a good long-term client because we make good purchases it sounds like your realtor is a piece of yeah he doesn't stay in contact with us after he said he would so no what would you guys be talking to him about are you buying more houses well I don't know you want him to be a third in the I feel like you'd be like hey how's the house going after you sell the house right i guess i don't know that's what i think that's good customer service customer service yeah i guess maybe i just don't need that i guess i don't but the problem so the problem with my car was i was working as a server and they didn't count my tips as like no offense so server shouldn't be getting a how much was it at the purchase price like 18 000 at that time this is four years ago maybe 20 000 i think it was i think it was 20 21 000 yeah it's server's not getting a 21 000 car i mean that my ex is also in the army though too your ex yeah he co-signed it oh your ex sorry i didn't pick it up earlier i picked it well you have a thing you know you have a little a thing don't you well my ex has a little thing for camo my ex was my high school sweetheart so that was before the army so i would say maybe not a type but do you dress up as osama in the bedroom like is that the okay i mean if you're interested no i'm just kidding oh my own i'm

37:17okay so obviously that's horrible but you should have got a test whether or not he co-signed for You should have at a very maximum at that position should have got a$10 ,000 car in that situation. I was also new to like, I'm not making excuses, but when you're new to what? When you're not educated on like finance. Almost none of us are. And you're white. What? Almost none of us are in this country. Yeah. And so I was like new to Colorado, like new to this life. My car like blew up. Colorado has nothing to do with it, but. Well, being a. People don't just like go to the high elevation become. No, I'm saying being away from home and like my family and stuff and my car blew up and I needed a way to get to work.

37:57We did it again. What is this for? That was the second bed. Hold on. Hold on. Each was a mattress?

38:08Hold the on. That's no way. What are these? This is the most expensive mattresses ever made. I mean, there were purple mattresses. Don't do that. Get the off-brand one that has the same technology, whatever it's called. Why do you have to get the name brand? Who cares about the color? They were comfy. They are comfy, but the off-brand has the same thing. What's the off-brand? I can't remember its name. But again, I bought one of the expensive ones, but I did the off-brand that is the exact same thing. And it's like the most comfy bed I've ever slept in. Guess what? Like, oh, barely over$1 ,000.

38:44so you're telling me you have$10 ,000 that you have to pay back for two stupid f***ing mattresses that have a little textured softness on them it's a lot of softness yeah the little hexagons or whatever that's awesome great$10 ,000$10 ,000 $10 ,000 of f***ing octagons octagons huh yeah yeah we're okay with that I mean I can sleep good I don't care and you can probably sleep well I think you need to sell these but use mattresses I don't know what that game is but it's purple so that's the thing is it might actually hold a little bit I mean you're not going to get it for$10 ,000 but I need you guys to pay this off is this interest accruing over the time or is this what you have to pay I don't have like the fine print here I think that's what you have to pay oh good death why would you sign up for this even a like just personal loan would be better than this why'd you guys get this why'd you guys go to destroymylife.com or whatever because we didn't have credit Okay, maybe you couldn't afford this What?

39:44Okay You sleep better by sleeping on two little things Go get two queen mattresses For 300 bucks each and slide them together I promise you can still Cuddle but in peace We do cuddle in peace And you still could have For a savings of$9 ,000 But then that would have added Oh my That would have added to our Bullshitting spending if we would have bought those mattresses you would have been like oh another amount are you like action and deprived from the mountains right now i'm sorry i am sorry ten thousand dollars is objectively worse than one thousand dollars we could talk about that but ten thousand dollars of course is so much worse it's not even comparable i wish you got the a thousand dollars by getting like two five hundred dollar ones and sliding them together what do you mean in what world would i be more upset at that or equally upset.

40:40What are you talking about? If I would have came in here and that would have been an additional amount. First of all, when did you get these? When did you get these? When did you get these? June? July? Wonderful. Then I wouldn't have seen them on the statements because you would have paid for them already. So it wouldn't have mattered. But you know what I wouldn't see? A billion percent payday mattress loans. You guys are also stretching your minimum monthly payments more than like anyone ever can. $212 $212.99 $212.99 twice a month. So an extra. By the way, basically a thousand. Remember how I'm like, go do$500 mattresses.

41:20Remember that cool moment from 30 seconds ago? Yeah, that's what you're paying a month for these. For a whole year. And the interest isn't accruing over time. That's the... Yes. Well, someone got a fancier one. Who got the better one? because it's more expensive this one I don't one's more expensive I think because the firmness I don't know well no because it also came with the bases okay so maybe the bases are included in one not the other and it's yours by the way yours is the more expensive one oh good who's the little gamer well my husband but kind of me I just play Fortnite okay what does he play he plays like everything like most a lot of rpgs fortnite cod i don't know like baldur's gate okay but i actually bought that for him well i don't think you did well borrowed yeah for him yeah happy birthday husband we're in more debt oh we got the gaming keyboard oh you betcha got an omen monitors and yeah it's hp got an hp monitor i'm judging a little here what's your preference on monitors i don't know i just bought the best kind i forgot what it's called but it's in it's in my office but i spent i wouldn't want you to have gotten that to be clear uh 333 a month you are just absolutely obsessed which is going into debt you just want to ruin your life you just want to ruin your life what is the interest on this um oh wait hold on hold on hold on hold on hold on hold on hold on hold it well i want to make sure i'm understanding this 100 percent so you can pay the price of the computer within five months what happens if you don't I think that's when the interest starts accruing

43:31If you pay the total of$1 ,668 In the initial 5 month period You'll be fine Or it'll cost you$6 ,000 over 18 months When did you get this? I want to do the math We'll see Are you making that full payment? in between may and oh oh oh oh oh well the amount you will have oh i did misunderstand that's why i was trying to read it clearly do you even know what you got a pc

44:12you know you're you're you did a little smile because you heard a producer chuckle you know he's not chuckling because you're funny he's chuckling because you don't know what the you're talking about that's your rent for the first five months is 1 ,668 after that maybe you can return it because you don't own it but you don't get to keep it but the only way to own it from them is to pay the full $6 ,007 what would you say I think this is like a 2 ,500 PC right Jake at most gosh I listen I've been bullying you I have it's a it's a part of the show it's a well that's kind of it's a little bit of roast also I get upset easily too and I'm very passionate about this so there's a mixture of all that this is the dumbest thing I've ever seen in my life but but but but but it comes from a kind place you were trying to do something nice for the husband yeah i get it this is the dumbest thing ever done in the history of the world i don't want you to think i am against the gesture that you did i am against the end result this is horrific this is the dumbest thing ever six thousand dollar pc if it was actually the value for it could send something to the moon you're this is like a two thousand five hundred hour at most computer and you have to pay six thousand dollars to get it or you're gonna have to return it and have nothing and just lost it all i thought it was the if you didn't pay it you had to return it i don't have all your terms and conditions but from what we're understanding here oh it has a re-sign clause after the five month periods uh jake read through the extra pages we don't have them in front of us right here but he read through them so you can buy it out or sign another five month period at the same rate this is insane this is the most insane thing i don't even know what to write for the balance all right guys i get it you need more financial audit So we've decided now in our membership below, you get two exclusive, see nowhere else, uncensored financial audits every single month.

46:43Oh, good. No way. Your couch hopping places I like stay at for the job. You're relying on bookings for a place to live. Yeah. Also, three post shows a week for every financial audit you're seeing right here on YouTube. In the post show, we have an extra 20 minutes for every single episode where we go into more drama that we didn't uncover in the original episode. We can't find you on Facebook. Did you block me on Facebook? No. No way. And then included in the membership, every Tuesday, we have a member live stream where you come in, you hang out with us, we answer your questions, and the whole crew gets together.

47:21We play games, we mess around, and we chat with you. I have a pair of salmon shorts on that desk ready to change in two right after this. So you dress like you're smoking for the first time when you go on a date? He's kind of ready for his grab party. Then there's always extra bonus things like, for example, an office tour. The team grew. We have to eat out of here now. So this was going to be the fun area. Now it's not. We upload hours and hours and hours of extra content just for you. and it helps support the growth of this channel and the growth of this business. Join the membership. Link in the description below.

47:58Is that a$333 semi-monthly payment? Or is that the total month? Do we even know? It's the total month. Are you sure? Yes. How are you sure? No offense, but based on this conversation. It's only monthly payments. There's no semi-monthly. So the semi-monthly must kick in after those five months. because

48:21oh you can do 18 months or 36 months. I got you. Oh my gosh this continues. This really does. This must be his car or do you have two cars? That's his car. Okay what is it? It's a 2015 Nissan Ultima. Good luck on that transmission. It gets good gas mileage. Yeah if it lasts It's held up so far. Yeah it's worth $7 ,700 so he's negative about $2 ,000 on it a little more than that about$3 ,000 because he owes $10 ,530 what's the payment usually? $263.90 so you guys have like separate accounts and stuff like how are these payments managed? so my paycheck just goes into mine and then his paycheck goes into his account we just don't know what it would look like if we sorry if we open baby burps yeah they're happening if we open if we did like a new joint account together what happens like if we want to pay the auto loan how do we get it into the other other account you know what i mean like so if we open account with his bank and share it and then i have my car loan with my what's the interest here on this on his um i am not sure i think it's eight or nine.

49:40You said eight or nine for the last one. It was 18. I knew one of them was eight or nine. Even still, it's not good. What are the terms for yours? How long until yours is paid off? When is its end date? 2027. I just don't know why you do this. Do you want to work in the world of autism? Is that your thing? That's your goal. Do you have a degree? I have a certification, a national certification okay okay okay okay i don't think course careers has any certifications for that specifically but if there's if you ever want to go through their quiz and find a certification that applies to your life and your goals just let us know we can give it to you for free um but okay good i'm i mean we need people obviously doing that because you know people really do need help um i know i make little jokes little quips but um that is i'm glad people are doing that the reality of it is is you know that job is valued at the pay that you're getting and you can't it doesn't give you the ability to just live the higher lifestyle you want unless you make more money some way or he's making more money some way there are ways to advance in the field um so like i can go and get my bachelor's and then my master's and become a board certified behavior analysis.

50:58Okay, how much is that going to... I don't... Well, I haven't looked into... What's the earnings for that? Median. A BCBA, 80 to 100 ,000 a year. Okay, could be worth it. If we do education the right way, it could be worth it. Yeah. So that's it for the dots. That's all of them? I'm asking you. No, because the solar panels...

51:20How much do you owe? Over 30 ,000. Okay, what's the interest rate on them? If you're going to say eight or nine. I was going to say, I think it's 12. I sent in all of the paperwork for it.

51:42There is a small window, small window, and I want to be very clear that it is a small window where solar panel loans work, and that's when they're like two to three, maybe 4%. This is not returning the value. It can't be. The break even point on these, I get it. The break even point with the interest agreement and how long you're going to be paying them has to be a ridiculous amount of time. It has to be. We were paying, I think we're paying$120 a month. Yeah, but for how many months? At 32. 36. What's your monthly payment? Are you sure? I don't. I think you're, oh, what's your monthly payment?

52:22120. That's more like a 250 month thing. So I don't know what you're talking about. you said 30 months well i didn't no you have no idea what you're talking about and you think these are how many years is that dude this is like a 20 year thing you have this debt for 21 years you're not going to live in the house of 21 years statistically you can move solar panels it's expensive they also said when we but also by the time 20 years is done that solar panels are going to be a trillion times better than this when we they'll be a trillion times better than five years When we bought the house, they said we can, the solar panels will go with the house when we sell it.

52:57Okay, you really don't know what you're talking about. I'm sorry. That's what they told me. No, no, no, no, no, no. I have new information. Okay. The term is 300 months, which is ridiculous. But it's also not 12 % interest. It's 3 % interest. It's still aggressively long term, and the break-even point is still pretty hard, but it is substantially better than 12%. You don't know what you even have in your life. You don't know your life. You don't know your numbers. Oh, wait, this is a loan anyway. Oh, what am I looking at? I thought we were done. What is this? What am I looking at? That was the personal loan for the closing cost of the house.

53:39But it's only$2 ,500. So one of the personal loans went into the debt relief program, and then one of them was from his account. But I'm pretty sure then that is the one that he got before we were married and I don't know where that one went into.

53:58Okay.

54:02What if we called you a pregnant buffoon in the title? I don't know. It might be accurate. Or a pregnant and a buffoon. A pregnant and a buffoon. It's funny.

54:16Okay,$867.13 out on here. The minimum monthly is what? What's the minimum monthly? I don't have it. What's the minimum monthly? That's his account. I don't know how much. How are you guys not informed on your situation? You need to go through all of our programs together, the investing one, the debt one, the budgeting one. You guys do not know what you're on about. It shouldn't be like not knowing what bills are what. I think it's an$84.92 payment. Interest rate, do you know? Probably not. No, you don't know. You didn't even know your solar. Okay. Well, I can kind of math it out. It always changes for where we are on the loan anyway.

55:06But 10 %? 10 % to 11 % interest, which is horrendous. If I open my brokerage, Moo Moo app, use that. I buy some S &P 500. I'm hoping for 10%. You're guaranteed losing 10 % on this. You're probably not getting that return on the house. When did you get the house? 2022. You may have gotten that return a little bit. You probably had a crazy one year. Done. Okay, who knows. Oh my, what is this happening? Oh, is this, wait, what is this? That's the debt relief. How much? So we were at... Hold on. I see a full balance of$1 ,714 or monthly payments of$794. So you paid off in three months? Two and a half?

56:06I don't know. Then that's not for the debt relief. Do you even know what this is?

56:14You don't even know. We don't even. Do we know what this is? Because I know we are going to put it down as secret. We are doing 300 something every two weeks for the debt relief. Oh, yeah. One thousand seven hundred and fourteen dollars. You can enroll in a payment plan, but you haven't. That's my medical bill. Oh, and you have one of them. That's one of them. You have to. Not for that one. Well, that's not the court one. So they took you to court. yeah from my one from 2020 okay we had an ultrasound do you have insurance what's your insurance situation um i have tricare through the army how is it um so they they pick and choose what they want to approve so they only i think they only approve one ultrasound a month how's your parents health insurance my parents you can be on their health insurance so funny um so i was my parents because they're in minnesota when i slipped and fell and i got that 13 000 medical bill well they said they wouldn't cover it since i was out of network and not in minnesota tricare said oh you didn't go to an in-network place no i just well i had to go to the er it's hard it's hard and then so for my ultrasounds and my ob-gyn they pay for like one ultrasound a month you're making sure you're going in network yeah because they this is who they referred me to so they they approve one ultrasound a month but there was an abnormality in his heart and um in your kid are we saying he yeah so I had to do another I had to do another ultrasound for that month and they wouldn't cover it for the insurance have we named him Hayden hello Hayden hope you're having a pleasant day hope you enjoyed is this his first time flying yes good job little Hayden you're doing better than me you know last week he developed hearing so he has definitely heard you yelling

58:12yeah so these aren't the court um mandated ones these are just extra bonus medical bills there we go yeah good yeah i'm adding them all up just lots of lots of different medical things 608 here I don't know if I'm like go on I don't know what the first page was because it looks different than those pages unless it was the total but of course it has a balance at the end I didn't even have to add it up medical that's $4 ,820 this is pretty new have you got on a payment plan because you can probably talk to them and do it. Not yet. Right. And you're going to wait for them to take you. Well, I was going to wait until the.

59:00Or send to collections. I was going to wait until he was born and then get on a payment plan for just everything. What's the expected day? December 20th. Damn, that sucks. Yeah. For Ethan. Hayden. Hayden. Sorry. It sucks for Hayden. Oh, you guys should have planned better. You guys should have planned better. Dude's birthday is going to be next to Christmas. Yeah, I know. Poor guy. Or essentially on Christmas. Better give him a super birthday or super Christmas then. Double the gifts. Don't split it up. Don't split it up. You said double it? Double it. I always feel bad for people that have birthdays near Christmas as kids.

59:44I know. So that's all the statements from the debt relief program. Oh, these fees and charges? Are you sure you're even making the difference in the end? So they settled the debt. This is crazy. I know they do, but the settlement fee and charges and extra shit. There's so much in here. Who knows if you even made it? Who knows what difference was even made in the end? You've already done it. Now that's the end of the debts. except not because you said you have a mortgage maybe that's attached to one of these it would be under veteran or not veterans USAA oh penny mac a sneaky little penny mac at the end okay what's the house worth do we know you don't know Zillow says 252 ,000 great and if Zillow is saying that then you guys have a negative equity position which is really not good you guys 0 % down didn't you yeah it's a risky situation it can be it can be okay as long as you guys take care of it if you have to get out of this in the case of an emergency for some reason for whatever it's gonna because you're probably negative equity on this home you owe 242 ,324 dollars six percent mortgage okay okay yeah okay okay and a payment of 1 ,798 now if your take-home pay that's not how it's always you know calculated in terms of whether or not it's good whatever take-home pay yeah it's 27 yeah i mean you guys can afford this mortgage it's not a bad mortgage that five thousand dollars shouldn't have made or break your entire financial situation because not i mean i don't know what the you're talking about the situation you blame it on having to put a closing cost you guys are spending ten thousand dollars on mattresses that's the that's so stupid you're spending eight thousand dollars on a two thousand dollar computer it wasn't the closing costs i don't know what you're talking about you don't know what you're talking about it was all of the like all of our deaths it was these things well those aren't from a year ago they're from now and that's the situation you're in so i don't give a f**k about a year ago but you keep bringing up that five thousand dollar closing costs you came up with that you said that's where the problems arise well they're not it's a ten thousand dollars in mattresses i said that's when we went into the debt relief program i don't get yes but you blame the debt relief program on why your finances are bad at the beginning.

1:02:15They're not. Well, our finances are not and that's why we did the debt relief program. I don't care about that. I don't care. That has nothing to do with any of this. It's the mattress of stupidity. It's the computer of dumbness. All right, let's be real for a second. Dealing with car insurance is absolute death. One minute you think you're getting a decent rate and the next you're hit with some random$50 fee. Don't even get me started on trying to compare different companies. It's like trying to find a needle in a pile of taquitos. You're probably getting ripped off without even knowing it. But here's where you can stop this madness.

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1:03:23So if you're tired of throwing dumb dumb money at overpriced insurance, check out money.com at the link in the description below and you can start saving now. Stop paying more than you need to. Your wallet will thank you later. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners. so I don't care that's the solar oh there's the solar so I accidentally slipped them in just the wrong place oh your solar is $35 ,000 so you really don't know what you're talking about good and the payment is$172 you keep you just don't know your numbers I do have pregnancy brain shut your face I don't I don't even know if that's real or not.

1:04:09Pregnancy brain? Yes. It is. Chat, let me know. $1 ,000 in our USAA. There's the overdraft. There's the overdraft. We had it. On his account. On his account. And did you even know that? Yeah. So you know something. So why don't you guys know everything then? What is this Knox shop? Must be on the base. Yeah. Yeah, he was so he was at he was at a training event for two months. Knock shop and in-app purchases and MFE and knock shop and Apple cash sent out and knock shop and DoorDash and Taco Bell. Apple cash sent Nintendo, Nintendo, DoorDash and Dairy Queen. They usually have those on the bases, don't they?

1:04:58I see videos talking about amazing military bases with Dairy Queens in them. They have a lot of fast food places. Yeah, that's great. But he's door dashing them, so it doesn't even matter. Apple Cash. Apple Cash. Apple Cash sent. Apple Cash sent. Where is all this Apple Cash going? Why? To help pay with bills. Because you just have a joint checking account. I don't understand. You're so convoluted and stupid. Because then he overdrafts. Dude, he$47 after he sent$249 to you. $47 in an adult checking account is unacceptable. It's dangerous. And are there in-app Apple subscription or Fortnite crew?

1:05:40He's getting Fortnite crewing. He's getting his crew up in Fortnite. Great. Apple Cash Send. Ultimate one month. Microsoft Ultimate. Great. Knock Shop. Knock Shop. GNC. I don't even know what that is. It's the workout stuff. Huh? Like. Powder? Yeah, like protein powder. Oh, there it is. Overdraft fee. Because. Because. Because. when did that happen uh i think it's because he tried to send you money 681 dollars so when he's away at training and stuff i have to handle a lot of the bills just be together on one account and set things up automatically in budget and this does not have to be as crazy and convoluted as you guys make it i think i need to give him a call in the post show i need to give him a call on the financial autopo show.

1:06:31This is crazy. Oh my gosh. He's, he has to be like gambling in apps or he's buying gems or he's doing something because in-app, in-app, in-app, in-app, in-app, in-app, in-app, in-app, in-app, in-app, in-app, in-app, in-app, in-app, in-app. He does play a lot of games on his phone. He needs to stop playing for them and play things that are skill-based. Knox store, MFE, MFE, Cinemark, Amazon, Apple Cash sent out, Uber Trip, Apple Cash Nintendo, Nintendo Apple Cash sent out something army related and then Apple Cash sent out or in app, in app, in app in app, in app, Star Wars something okay Apple Cash Carson Carson Loaf and Jug Apple Bell More Microsoft DoorDash and Crumble Cookies And DoorDash Taco Bell Hayden likes Taco Bell I don't give a f*** because he loves diarrhea too Well he doesn't have to deal with that yet Only I do Oh that one's Hayden Imagine trying to wipe with diarrhea While having pregnant stomach Also I was going to say For my car payment It was a day late because I get paid on the 1st and 16th of the month and it pulls on the 15th.

1:07:59Why'd you say you didn't know what I was talking about? Because I didn't consider that late because I didn't get a late fee for it. Okay. And then in this Navy Federal,$7. Wow, great. Hulu, Roadhouse Cinema, McDonald's, Apple Cash Cent, Apple Cash Cent, Apple Cash Cent, Amazon, Apple Cash Cent, Apple, in app, cha-ching. You guys spend so much money on bulls**t So much money on nothing It's entertainment You know what's entertaining Not have to Beg your child for money Because you didn't save up enough money to retire I mean that's not necessarily true That's not necessarily true What the f**k are you talking about So um My husband You'll have a little bit of retirement and benefits Is it going to sustain the lifestyle you guys want we'll see in 20 years fun fact I mean veterans not historically known for having absolutely perfect finances in retirement so I don't think that's 100 % our just end everything's going to be perfect oh more spending great and reminder the$7 in this account that's great come on kids come to the world get your together Walmart plus steam purchase Domino's Alta convenience Amazon more Microsoft Xbox stuff more Microsoft Xbox stuff Christopher Woods Joe's buttons Joe button wow great dope like the podcast dude Apple in app in app cha-ching cha-ching Microsoft ultimate why do we have so much Microsoft ultimate everywhere Spotify you can pay for ads of kids coming into the world Streamlabs is he streaming yeah how many viewers does he get like four Okay, you can stop paying for use-free software.

1:09:49Apple Cash sent out Loaf and Jug. We love that Loaf and Jug. That's where, that's a gas station. Okay, and Apple Bills and DoorDash and Walgreens. Great. StubHub, wonderful. Apple Bill, In-app, DoorDash, Dollar General, DoorDash and Dollar General just ruining the whole plan of Dollar General. Apple Cash sent Amazon. This is so f***ing long! Apple Cash sent out and Cinemark. Let's go to a real f***ing Movie theater and door dashing in and out. At least get some real food. Amazon, Steam purchase, Shiver and Shat, something, I don't know. Golden Corral. Golden Corral. Come on, we're talking diarrhea.

1:10:28What are we doing? Apple Cash sent out. Zone deorotica. Zone erotica? What are you getting? You're not even filming anymore. Or was it? Okay, maybe she'll say in the post show. When it's a bit more private. Apple Cash sent out. Wolf and Jug. Sonic Drive. And I'll tell you mine if you tell me yours. Tor Dash sent out. You go first. Amazon, Amazon. We'll save it for the post show. That's where we get to have a little more fun instead of making me want to die. Oh, and$0 in this other checking account. Wonderful. That's fantastic. This is transferring money back and forth.

1:11:10Let's get this budget did. Let's see if we have breathing room here. because you guys have gotten yourselves into minimum monthly payments that are really unsustainable. I mean, transportation itself is$1 ,183 a month. It's crazy what you guys have done. I already know your mortgage. Okay. Mortgage is$2 ,000. Oh, sorry. Mortgage is$1 ,798. What's your utilities and internet? Our Wi-Fi is 55. I don't want to miss any frames in Fortnite Utilities And then the solar panels is 100 Utilities, just every other utility Okay, garbage Yeah, all that Garbage is 120 every 3 months Okay Water is at most 75 Okay And then our electric is usually under 20 Just because of the solar panels And is there gas?

1:12:08No, it's all electric And you guys got sold on those solar panels, didn't ya? dude showed up and you were like oh f*** yeah how can I get more debt for a literal like third of our life hopefully a quarter of our life are you excited about having a stinky smelly creature running around pretty excited we wanted a girl initially sorry Ethan you are f***ed you always get his name wrong it's Hayden what was gonna be her name Her name would have been Aviana. Aviana because it came from ovulation? I just think it's a really pretty name. Sure. Okay. Wait, I didn't see your other medical debts that are court ordered.

1:12:56So I didn't submit the document. How much is owed? $13 ,500. Okay, monthly payment? $231. and i tried negotiating with them and they wouldn't budge so so unreliable wow good job having debt payments that are almost double your mortgage so not including your mortgage your debt minimum payments are 2400 and 2412 dollars and 92 cents you know how insane that is that's insane 662 on the um on the of are those subscription based or purchasing per product um both like okay so the revenue that came in is likely gonna just kind of sit yeah cool so it won't go to zero so i can include that so 6 ,626 came in okay I've room from drive drive gas for both of you Normal month best guess $200 Car insurances $700 for both that's together Even still that's ridiculous I know we've been looking at Changing our insurance over $600 for food Should be good it's definitely good You're gonna meal prep It's the way of life follow the meal plan and the budgeting class To get to your needs $150 for TP fund anything else you guys need This is getting your nails did.

1:14:23This is doing whatever. Makeup, whatever. $150. Medical, ongoing, co-pays. What do you have on an ongoing monthly basis that you must pay? Just the$231. No co-pays. Not debt. I don't have co-pays. Okay. And do you have pets? Yes. What? Three dogs, two cats. Oh, good. How much in pet food? We do a$50 bag every two weeks. So 100 a month. What about the cat? Oh, the cat's is like a$30 bag. And that lasts usually a month, month and a half. Okay, 130. Do you have pet insurance? Yes. For all? For three. Three? For two of the dogs and one of the cats. What's wrong with the other dog? He doesn't, he's not bad.

1:15:13You guys don't like him enough? No, we love him. He's just not naughty. Trust me. It's not how it works. I've dealt with a lot of pets. the bills one is naughty she tries to eat everything she's the one that's gone the most but the other one even though he doesn't really get in anything even when he was a puppy he did and he had a it's okay how much in pet insurance um it's i think it's 50 a piece so 150

1:15:39okay anything else that needs to be in here that i don't know about this is if you guys combine your accounts and i'm you what you guys should i'm very curious to see if you guys do go on so your thing um i was just thinking about other payments i think that's that's everything genuinely how did you not know your interest rates on things and payments on other things and how are you just not aware of so much of the stuff that he handles i don't really How is it a he and me thing? You guys are married. Because he's like, I'm taking care of it. And I'm like, okay. Well, I mean, there's late payments and bullshit.

1:16:23I don't know what you're talking about. $6 ,330.92 to survive. You only have leftover. Essentially$300, just under, but it's called$300. That's what's leftover. Have you seen you spent$10 ,000 this last month? If we get rid of your mortgage, but, oh, my gosh, add in that other medical debt that you didn't tell us about, you have$93 ,000, horrific debt. And with the extra$300 a month, you'll pay it off in 310 months. It's a long time. Yeah, your kid's going to be 26. And that's without spending any money on the cards, which we know you're incapable of. That's without your debt increasing or taking out any more debt.

1:17:16So what's the play? Because you're probably going to go on maternity. Is it paid maternity? So Colorado, they have a family. It's called Family Plus. It's different from FMLA. So your taxes from your paycheck go towards it. Okay. So they'll pay up to$1 ,100 every two weeks. Oh, every two weeks. So for how long? Three months. Is that what you're going to do is three months? it depends on how much time i need to heal but that's the plan it's three just three then you're going back in yeah okay when's dude done when is he done with this army adventure uh he wants to do like the lifetime commitment okay how can we get him to earn more money then um picking up a second job and then also yeah but that's hard because he's inconsistent everywhere yeah so he needs to start getting what he needs to figure out the ranking process real quick i can't speak to that at all but what either of you need to make more money but you're about to be out because even again doubling this takes it down to what 12 years to pay off that's still that's you know doubling your payments to go towards it that's still ridiculous that's still ridiculous so like it's not even including the mortgage that's crazy all your bad debt would be paid off in a similar amount of time as your mortgage oh my gosh i don't think you guys have to go through bankruptcy though i really don't the thing is if we could find a way to bring in an extra 2 000 which again this is just one of you needs to make more money what was it 95 000 or something like that yeah just for an example okay so 2 000 if you guys bring in an extra 2 000 47 months that's totally doable four years four years is okay you guys will be mid-20s four years is totally fine then we can start catching up on retirement from your side especially i don't know the thing is is he's just gonna have to continue his internal promotions or once you're well into motherhood and you're able to get the kid taken care of somehow without you being there i don't know you might just have to well what's gonna happen you're gonna who's are you sending the kid to daycare so i i'm going back to school for um well not it's a certification in medical billing and coding and it's online you're the job you're doing while you're doing that uh i'm not sure because i was just okay well remember you literally only with your minimum payments have an extra 300 if you take away your 2 000 hours a month you cannot survive but then on top of that child care so i was thinking exactly if i if i was working from home and making you know money it's better than having to pay for a daycare because then how are you going to survive those months of going through the certification if you literally do not have money to survive i'm doing it so you can work your job through it wait through getting the certification oh yeah yeah i thought you meant doing both the jobs at the same time no what you're going to do is you're gonna work your day job whatever that might be at home as you're intending to do.

1:20:26Hopefully we can even get that. And then you're working a second job from home later in the evening when dad gets home or he's just working another job or getting up through the ranks quicker. But I don't know about that process either way in extra$2 ,000 a month, which is not an insignificant amount of money that takes a lot of work to get. That still is a four year process. So you guys with your solar, with your ridiculously high interest cars that you were too expensive for you to afford ten thousand dollars for mattresses incredibly dumb incredibly dumb the personal loan on the uh closing costs because you got a home too early that you couldn't do it and all the medical bills because i don't you're just i don't know all the decisions you guys have done in the computer the computer the ridiculous computer take this all together and you guys have just put yourselves in such a position that is almost beyond fixable but bring an extra 2 000 hours a month do a proper debt negotiator i don't know about those guys even bankruptcy which again it's expensive it's stressful and you guys don't even know your own finances it's gonna get real real quick but you need to choose one of the sacrifices working your stuff more bankruptcy yeah so for bankruptcy he wouldn't he wouldn't be able to file for bankruptcy okay well there you go answer solved i mean it's good enough for me so it's the that negotiation which again i it really depends on cases you need to fix your behavior first but either way you guys just aren't living the life that you're living during that whole thing you're really not so you just have to choose what life is better for you and keep in touch with us go through the education keep coming on the follow-up channel and we'll keep we'll we'll keep grinding away at it but you just need to make more money now and then cut your lifestyle back to zero because it's really not a choice and unfortunately birthing a child is not cheap getting all that together so that becomes a whole extra thing on top of this you guys are probably bringing a kid into the world a little too early let's be honest just financially speaking i'm not talking about emotional maturity or anything just financially you guys got a house way too early i mean spending a budget guys overspent you have collections of debt zero out of ten spending a budget zero out of ten emergency fund there was nothing at saving zero out of ten retirement he probably has a little because the military and just whatever is even contributing to the fund there yeah it's called a tsp and what's he doing i think it's a hundred dollars a month.

1:23:08Okay, so I'll give it two just to be generous. And then real estate, I mean, you guys don't have an emergency fund and you have the house. It's a little rough. You actually have negative equity in the home. It's the one time we're earning real estate. It's going to not be the best score. It's only going to be a 3 out of 10. And it's just crazy. And it's because you can technically afford the payment. Okay. Hammer financial score, 1 out of 10. Make sure to join us for our pro show. We'll talk about that naughty subject. And we'll also get the husband on the phone and talk about more drama that we didn't have a chance to get to when we bring in the producers make sure you join that link in the description below and also check out our new debt class which is at a discount for this first month and the first 500 people who sign up get to hear in person while asking my question well over the live stream my debt payoff journey see you in the post show today on the financial audit post show now that it's a more private had and only a few people were seeing this.

1:24:04Your kid will go to school at some point. Mama's nuts. Yeah, I'm not like famous though. That is true. But also, saluting is easy in 2024. What's it going to be in 2044? Hey, Jason. What if your kids find your mom's nuts on OnlyFans later? Oh, that's not good. Would you get in trouble in the military if they saw all the hanging package online? To watch the Financial Audit post show, click the join button below.