Scumbag Husband Destroys Marriage With Secret Debt | Financial Audit

30:40So either way, that shows that this is a dangerous card to have because you'll fall back into old habits and we'll just wait until next year's child tax credit times two. Yeah. I try to use it just for things that we need, like gas and stuff. But we do go out to eat a lot, and usually I'll end up using it for that as well. We tend to go out a lot with coworkers and our friends that we go and see on every other weekend for D &D. as they live a little over an hour away. Whenever we get there in the evenings, we usually all go out to eat as a group before we play. I mean, I don't know, guys. It's just so stupid, the spending.

31:30It's just fucking... You're still doing spending. We just saw the percentage of your income that goes to... It was 40 % goes to going out to eat. And your kids eat what you eat most likely, right? Yeah, most of the time. Okay, oh, there's going to be... Some people are going to find this so offensive, but I also don't care because those people are probably the ones who will not make it to an old age. But how's the

31:59Solyndaker the radius the circumference of the children? Our son is actually pretty small for his age. He's in the 11th percentile. This way? Okay. And daughter? Our daughter is above in, I don't know her. She's fat. In height and weight. Okay. She is taller and weighs more than she should for her age. Okay. Right? They're eating what you eat. Yeah. It's probably not healthy going out. As much as we do. Well, I mean. But that's. How are we doing? not healthy. So yeah, I would say it's not healthy. And I'm sorry, again, I'm a fat f***ing saying this, but it's just like when there's kids involved, they eat what you eat.

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33:37And now, Upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerelite.com and we'll reimburse you for the first month with a$10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea, this one isn't for you. Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay, it's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today, for free. Okay. Oh, there's more spending.

34:18Oh, there's so much more spending on this stupid car that has agreed so much. Oh, that has fees. Bullshit. Stupid. Listen, I get it. If you're putting a utility payment on here in order to get the benefit that paid off the monthly fee, just close the card. Anyway, it doesn't make any sense. It's a dangerous tool. It's a hammer that you're taking back and hitting your own head. Then we're not even using it for that bullshit. You're using as an excuse to go spend money more money lakeside bar going and getting some bull bianca bar and lounge got his pizza lakeside bar dairy queen i think maybe lakeside bar crispy cream chick-fil-a lakeside bar panda express again not one single thing that is considered even remotely healthy uh chick-fil-a you can sometimes get some good options chipotle you can get some good options and chipotle and chipotle okay but it's mostly just bull And if we're being honest, are we doing the healthy options of Chipotle and Chick-fil-A?

35:11Definitely not. Okay. So, and thank you for being honest. But why? You have to spend in order to get the rewards to negate the monthly fee, but you're using that as an excuse to just go get f***ing slop. I think it also stems from the fact that I don't really have an emergency fund. I like to have that high limit to be able to use just in case an emergency arises. What's the point? But you're just blowing it on food anyway How about instead of just going out to eat every 5 seconds of our life We build an emergency fund It's a crazy concept We did have one Last year Before we totaled two of our cars No gap insurance We did on both But we had to get rental cars And put down payments on another car We did not have a rental on our insurance Not on our first car that was totaled, but on our second one we did.

36:10Share a car. Congratulations. Welcome. To public transportation. We did do that for a few months. We just recently got a... How did it drain an emergency fund then? It was only$2 ,000. We did not have... So it was a single month emergency fund. It's that. Okay. So that's different. Don't say we had an emergency fund. We didn't have an emergency fund. You had to barely, barely hold us over the corner. The fact that we drained a$2 ,000 emergency fund and we haven't built it back up is telling. Banrooge ain't expensive. It's not expensive. No one wants to live there. It's a horrible place. No offense.

36:44But that's where all the cop shows are filmed, right? Yeah. These are the ones that I've seen. So, you know, that's all the knowledge I have on it. Plus, Louisiana is a declining state completely. So, like, it just happens. Okay. Okay, what's going on with this quick silver card? Which Quicksilver is that one? Yes. World Elite MasterCard Quicksilver. I don't know. The one at$919.93. That one's your Quicksilver. Probably used on a lot of the same thing. A lot of these cards we put money on. For what? Shortly. I mean, obviously spending on here, luckily, but there is interest accruing and it's actually maxed out.

37:34That's why there's no spending. Great. Okay. Why'd you open this card? I do not. Because remember, I know the real answer of this. You literally have told them the answers a couple days ago. As they know I'm going to ask the question, they put in what the answer is. Because they're great. We have a lovely little system here. It's perfect. Hard workers. I am not sure. I'm not sure. A lot of things. If I'm telling you the answer's insane, does that help you, or is there insane things across the board? We might have maxed that one out whenever I got my motorcycle. Well, maybe. Maybe. I don't know if that's the exact reason, but here's what I have.

38:15She opened this card after a fight about money, and this is her retaliation card. Who the f*** does that? Stop smacking your lips. There was a lot of money being spent on Boudreaux's end, and there were some things that I needed, such as new glasses, and we were, a lot of our card cards were being used for things they should not have been used for. and we, I was mad about it and I needed to have a way to pay for things that I needed to pay for and so we What would I say if I went back in time as a whole spent on this card to bring it to the max at 30 % interest rate, stop spanking those lips I'm going to get a spray bottle and I'm going to spray you Um probably a lot of the same thing that was used on the other cards, going out to eat So it wasn't things you needed.

39:16So that was a bullshit excuse. That was a lie. Probably. Okay, why did you fucking lie then? Why'd you lie? Because it probably started as needing it for glasses, but over the years it probably just got mixed in with the rest of our cards and just used for the same thing that they were all used for, which ended up being bullshit. Listen, I mean,$66.41 in interest this year so far. I mean, it's not a high balance, but it's a maxed out balance. It's a maxed out balance. and he has said that you use this card for Amazon purchases. Again, I don't know anything about you because I'm going blind, but they know everything about you.

39:53We did use that card a lot for stuff on Amazon for the kids. Pull up the Amazon. Do we share an Amazon? Yes, we do. Pull it up. Whoever wants to pull it up. Pull it up.

40:07How many times have you dropped this phone? I work with children. that's Bethlehem been thrown a couple of times. Gum food grade powder. We were making bubbles. Bang energy cotton candy sugar free energy drink. That one's me. Sugar free pulling a lot of weight there. Wander-ins handmade antique envelope. We had those for D &D. Cool, fuck your D &D. I don't give a fuck about your D &D. D &D's a fun game. Fuck you. I don't give a fuck. You're spending money when you don't have money when you max out credit cards. What are you talking about? What are you talking about? What are you talking about?

40:39401k loan? In order to pay off debt, don't do a D &D. Don't spend on D &D and then pay off your f***ing debt instead of taking out a 401k loan. The f*** are you talking about? Didn't replenish your$2 ,000 emergency fund. You don't spend money on D &D! For f***ing sake. Wax stamps for the stupid f***ing stupid D &D. Antique wine scaling wax beads probably for f***ing stupid D &D. Double-sided glue nail stickers. Vintage water cooler paper. Bang energy drinks. Bang energy drinks every second of our stupid lives. Why? We have five things in the cart. What do we have? Oh. Ooh. Oh, rotatable hangers for bras.

41:14I was going to say that sounds really nice until it was for bras. I was going to say that'd be actually, you know, I'd be open to it. Skirts, hangers. Okay, we're condensing hangers. Probably have too many clothes at this point then. Yeah, we're... Men's slippers, women's slippers, and men's casual shoes. 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. Mmm. Or this tea time you. Or even this tea time you. So did you hear about Dave?

41:53Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. Johan? I am trying to consolidate for our... Stop!

42:15How do you do it so much? I don't know. After I just said it, then you did it half a second after I just said it? I don't think I noticed I do it. No, no one's ever commented on it before the show. You've never commented? Just, oh, she's got a wet mouth. Oh. Oh. Oh, no. Oh, stop it. Stop it now. In fact, I am going to go take a Sondermine therapy session after you just said that.

42:56Oh, nothing. That's O's and O's, not to say anything. Okay, that's okay. Apple card,$2 ,313. What's going on with this one, guys? The kings and queens of ums $2 ,313.30 Minimum monthly payment$78 People, I've seen so many people online Since the history of the show starts Say that we pay for actors to come on the show And fix this situation If this episode doesn't prove that they're not actors I don't know what will This card he has access to. I've used it one time. This is the Apple card that I do not see. You've used it once. I used it once to go print something out. Minimum monthly payments only without any purchases.

43:50How long does this take to pay off, guys? What do we think? A couple of years. Six years. Okay, 13 years. What are we talking about? That's horrendous. Then we'll be 40. In America, half of every dollar spent on brand medicines goes to entities who don't make them. While middlemen like PBMs and 340B hospitals drive up costs, Biopharma is investing$500 billion in new infrastructure and manufacturing here at home and helping patients buy medicines directly at lower prices. Tell Washington to end middlemen markups and put American patients first. Visit phrma.org slash middlemen. 40-something, right?

44:3342? Let's be real. Your phone bill probably costs more than your gym membership. And it's not even getting you in shape. That is why Helium Mobile is such a game changer. You can get a phone plan for literally$0 a month with their zero plan. And there's no contracts, no credit card. And no, that's not code for we'll hit you with a secret fee later. It's free. And the wild part, you get rewarded just for using it in cloud points. Think airline miles or credit card rewards, but for your phone. You rack up points by using the service and then cash them in for gift cards to places like Amazon, Starbucks, Sephora, DoorDash, you name it.

45:10Over 50 brands and non-profits in the app. So not only are you saving money every month, you're basically getting paid to text your friends and scroll memes. Coffee, takeout, and even tech paid for with points. Click the link in the description to check out the free phone plan and use code Caleb to get$10 in cloud points, which can be redeemed for gift cards to your favorite brands after being a user for 90 days. Let's get back to the video. So why doesn't she see the card, Bordeaux? I have no issue showing her the card. So why doesn't she see it, Bordeaux? She sees it whenever she has to see it.

45:48Why don't you ask to see it more, Lady Bordeaux? I used to, but now it's had such a high limit the entire time. I can't imagine we're putting. I do. And we pay. What bill do you have on there? I pay the Office of Motor Vehicles for Louisiana$50 every month. So I pay towards it an extra$50. Okay. I just got information on this one. We're actually going to go more in the post show into this because it's very private information. Let's just say the vast majority of this balance is through spicy material that has been purchased historically. And we'll go into the full situation in the post show for demonetization reasons and privacy reasons.

46:33So if you want to do that, check out the post show. Gotcha. That's a lot of spicy material though. Over how long was the spicy material? And how much was long? I know. It was only a few months, I want to say. I did pay yearly subscriptions. You got goon written all over you. I see it, right? He's a gooner, right? He's a gooner, right? Possibly. I tend to stay out of that business now. Stay out of the goon zone? We caused a lot of problems in the past when it was ongoing. Well, that's what you want to talk about in the post, all right? Yeah, absolutely. Okay, we'll save it for there. I get it. That's fine.

47:16That's fine. I know. Privacy is scary. Hundreds of thousands of people. Millions at the clips. I get it. Okay. So nutty, nutty, nutty. Nutty, nutty little guy. A goon card. Little goon card. Okay. Wow. I just do free stuff now. I've never had a goon card before. Well. So. Okay. Lots to dive into there. We will get there. Total charges. Credits and returns to this period. Oh, you had some return. Oh, no charges. What were these charges for? Wait, what's that? Probably Apple. Oh, Apple, Apple. Pull out your phone for me. Because she did not have any subscriptions. I looked. Now, the interest at$214 this year so far, it's at a 26.24 % interest rate.

48:05Again, minimum monthly payment is$78,$2 ,313.30 balance. If you're going to goon, you may as well goon on the Fizz card because it's a debit card that builds credit. it, am I right? Unfortunately, there's not a goon certification with course careers, but maybe I can convince them to do it, but it is good for boosting your resume. D &D Beyond. Okay, probably cancel that. No more spending money on D &D. Sorry. Sorry. You already got the PC. Enjoy it. Don't buy more games. I did that because I just got into DMing for the first time. Okay, and now you're out of it. right? Yeah, we actually just finished our...

48:50Apple TV Plus is very good, but you're subscribed to your service. That's fine. That's good. Okay, I'll allow that. And I got a plus. It's something in the world, and we need some storage here and there. Okay. Both of you with just absolutely f***ed up phones, by the way. I think it comes with territory of having kids.

49:10Man. Working outside. Who works outside? He's in and out of his truck all day Dropping and hooking the trailers I only go like a couple miles down the road I'm so sorry buddy Do you have like a Taco Bell Right? Yeah I do go to Taco Bell Can you type in for me If you may Your breakfast Taco Bell Snacks all those stuff In as much detail as possible Write exactly what you get in your average orders for breakfast, lunch, dinner, and snacks. Please. Okay? We're going to keep it going. You as much detail the items and say the restaurant locations as well and break it down by breakfast, lunch, snack, dinner.

49:59Okay, quick silver card. Yours, his, Bordeaux's. Not Lady Bordeaux. Okay, so... Mr. Bordeaux, I'll let you focus on that for a second, but I'll read out this card. He has a Quicksilver. In that Quicksilver, he owes$2 ,473.96. These balances are insane. These minimum payments are stacking like crazy. Minimum monthly payment of$84. No new purchases, but interest accruing like crazy. Why not new purchases is borderline maxed out. 15 years to pay off if we do minimum payments only without any purchases. And something tells me if we get a little more room by the balance going down, we're just going to do purchases.

50:43Historically speaking, at least on your guys' end. It is a$241 interest this year so far. We're talking, what are we talking about? Fees and interest combined like$1 ,500,$2 ,000 this year so far. Across all the cards we're looking at. We're looking at basically just under a 30 % interest rate. This is our entire life that we're just destroying and putting on hold dramatically. Yeah, we have. For what? For what? Just so we can keep going out to eat? We have kids. We don't have an emergency fund and we have kids, but we're going out to eat like crazy, 40 % of our income. Yeah. No emergency fund, children, 40 % of our income going out to eat.

51:23That is deeply unacceptable. Is it not? It is. Then why the f*** are you still doing it? There is no reason for it.

51:37Anytime we go out with the kids, it's always... What about your breakfast? I accidentally hit enter. It was a breakfast crunch wrap from Taco Bell. And what about snacks? Are you getting any snacks? No, I typically tend to like go-gurts or stuff that she sends me with lunch for snacks. All right, dude. I mean, again, this is just putting this all in these cards. We are looking at, you are consuming 4 ,337 calories a day. You're supposed to be at 2 ,500. Yeah, more or less 25. So I just wanted to call that out since we're having the conversation. Yeah, I've put on a lot of weight over the last year and a half, I would say.

52:20Which begs my question, again, are you sure we can even have kids if we're around? I don't think so. No offense, dude. But when you get to that level, because I'm on the edge, when you get to, I think you're like double me maybe. I'm not sure. It doesn't matter. It's not a competition. You're nuts, not potent. You don't carry the little swimmies. Do you guys want to have another kid? I'm okay without any more. Okay, well then you're okay. We'll just die at 60 instead. But at least no more kids. Yeah. I don't know. What do you think of that? What do you think of that? 4 ,300 calories your husband is consuming daily.

53:04Daily.

53:08That's not great. I don't usually count my calories either, so I'm not sure where I'm at. I usually just eat. Whenever on the weekends, we usually both go out to eat. You eat 4 ,000 calories a day. What's your weight and height? I weigh almost 300, and I'm 5 '6". 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. Plus, 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.

53:58We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. You have kids. You have each other. It's more than just you guys at this point, right? So your BMI is 48.4, which is morbidly obese. GLP-1 medications before. Yeah, it can be a good way to do it. It can be a good way to do it, but even still, people lose like 30 pounds typically with that. So you're 8.4 points over morbidly obese. 8.4 points. I also haven't weighed myself in like six months. You think it went up? I mean, with these calories. It definitely could have. It definitely could have.

54:47Now, I'm in the obese category, technically. Obese class one. But then there's obese class two, then morbidly obese. There's overweight under obese class one. And then there's normal weight. In order for you to be normal weight, you would need to be at max 154 pounds, which is half of your weight. half of your weight is considered normal weight BMI is not perfect but I'm just throwing it out because this is important to think about because you guys want to be there for your kids you want to have energy for your kids not so your kid is eating what you're eating if you're consuming 4 ,300 calories today what are our kids doing?

55:22maybe is the boy a little more active? is that why he's keeping it off? he's also younger I think he might have ADHD so he has a hard time sitting down he doesn't sit down and he's also very picky about what he eats. He is very picky. Good in this context for the first time ever. Good. It just concerns me. It just concerns me. Do you understand my concern that I'm not picking on you? Yes. Because a lot of people think it's fatphobic to talk about it in a medical way. No. If I was sitting there and saying you're disgusting for being fat, that's like fatphobia, right? But if we're just talking about you are not healthy.

56:00I talk about it all the time. Why have you done nothing? I'm a little bit of a hypocrite for that one. I think it's hard working in the truck and staying in the truck 12 to 13 hours a day. Every truck driver I've ever seen is obese. Absolutely. Yeah, but you've got to pack your foods, and you've got to find times outside of work to try to get some workouts in. Again, I'm a little hypocritical for this one. Capital One Saver card, who's this? I believe that one's mine. Okay, cool. What's up with this? Not purchasing, interest is occurring, almost maxed out. I am not quite sure. All that to get to that.

56:46Okay,$1 ,863.15. A lot of these cards we've had for years, and they've had high balances on them the entire time. Takes 13 years to pay off, minimum monthly payment,$66. Apparently this is the same time as your retaliation card, I'm being told. Yeah, we probably used on unnecessary purchases during that time. And back in... I mean, you only stopped spending on it recently because it's not that far from Max. In 2023, we did... We probably used it for Christmas presents and stuff as well. We did go on a trip out to San Antonio in 2023. San Antonio? They had the solar eclipse. Okay, but it's not expensive.

57:32That's what I'm saying. Sure, we probably used one of those credit cards during that time as well.

57:43$236 ,000 in interest accrued this year so far on this card. It's at a 29.74 % interest rate. Best Buy screams you. Yeah, that's me. There he is. Well we We had just moved into a new apartment After living with my mom and some friends So better go get some gaming things Well go get some gaming things right? Yeah we We got a TV A switch We got a printer and a switch And then we also got I needed it for Some stuff for work at the time It doesn't get used Super often Yeah, it's a printer in 2025. It's like workplaces. I don't think we ever even got paper for the printer. If we knew more about our sleep, what would we do differently?

58:35Would we go to bed at a consistent time or take steps to reduce interruptions to our sleep? With the all-new Sleep Score, Apple Watch measures your bedtime consistency, interruptions, and sleep duration. Then, every morning it combines these factors into an easy-to-understand score from 1 to 100. so you'll know how to take the quality of your sleep from good to excellent. Introducing the new sleep score on Apple Watch, iPhone 11, or later required. We've had paper. We have used it. Sell it. Sell it. Go to f***ing Kinko's if you ever got to get it, okay? You ever got to print? $1 ,160.19. At least this one's not maxed out.

59:15$11.62 minimum payment. It's actually interest-free right now. and I got it. You got your TV so you can get your Fortnite frames. I get it. Got a Switch because you have a kid which is a good excuse to get a Switch. I can't find a good excuse for me to get the Switch 2 right now. So maybe I need to put a baby in someone and then I can get a good excuse. It's a big commitment though just to get a Switch 2. 30.49 % interest rate. But why isn't it? Okay, so oh, lots of deferreds. Well, one ends at, two end in a few months and then the other three end at the beginning of next year in about six months.

59:49Yeah, I've been trying to make sure that I'm able to pay those off before the interest hits. It's all deferred. $613 of deferred interest has been, is just waiting. Is just waiting. What are you doing? You have to buy August, right? Yeah, for some of them. Yeah, a month and a half. A month and a fucking stupid half. You have to pay off$369. I should be able to pay that off.

1:00:30$369 divided by, well, really. Essentially, you just have to make that payment next month. Okay. You put that in parentheses. It's essentially the only option you get. Oh, it's a 3D printer? I do have a 3D printer, but no, she's talking about... Why don't you have a 3D printer? Sell it. Okay. Yeah? I think... We got the 3D printer from a friend of ours. I think I got it pretty cheap. Good, then sell it. Make a profit. I usually use those for like mini-figs for D &D. Yeah, we're no longer spending money on D &D. Yeah, we just told them the other day that we were cutting down. Sell it. Sell it. Hey, you got a TV, you got a PS5.

1:01:17You didn't tell me that. I was getting there. Uh-huh. Professional gooner. Always getting there. Never arrives. That's what she said.

1:01:32Why? Dude, you're just a gamer to the core, but you're blowing all your money. Put it on debt. That's about the fuck you if you don't make a massive payment by this next month. Yeah. I think we had it budgeted in to pay extra towards that this month and next month. Budget? You guys have no money. I don't know what the fuck you're talking about. Yeah, and the interest rate's insane. Okay, who has the Amazon card? That's me. Really? Yeah. Okay, what's going on with this? I opened it because... Purchased!

1:02:30I opened it because You're not credit card people. It's maxed out. It's actually maxed out. Yeah, we use that to get a lot of things for our apartment. I just realized that my Amazon Prime payment goes on there. I've only been making minimum payments instead of paying the extra for that. Yeah, Prime and Prime Video. I think it's been going up and set it down like I wanted it to. Yeah, that's what happens when we don't look at our finances. You guys said you look like once a month, right? Something's like something we would catch. I usually just look at like the balance and... And the balance isn't going down.

1:03:05What does that tell us? Maybe we'll look at the purchases. I don't think I paid attention to it that hard. $173 of interest this year so far. 26.49 % interest this year so far. All right, financial audit listeners. I just wanted to give you a quick update real quick because I let you know what tools and everything I'm using in my own personal life. And I want to let you know after a couple years, I finally made the switch to a better platform for investing and I got a lot of signup bonuses so you can get some money if you come with me. So I made the switch to Webull because it is the first platform that actually makes sense that I've used in a long time.

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1:04:58Credit one. Who's credit one? That's me. Dude, this is the worst it gets. This is like the worst credit card. Yeah, that was my first credit card. Yeah, I was like, he's had that since before we met. Me, man. Why? The fees that are just hitting usually. I used to have two. Then you did cancel one. Then cancel this one. I have to pay it off first. Pay it off. $973.57. At least you're not getting those fees up the butt like usually with this. and then a 28.65 % interest rate four years to pay. This is all$49 minimum payment. What'd you put it on here? I think just random bullshit. Did you use this card to put$500 down on a motorcycle or was that the last card?

1:05:42I think I did it on a couple of cards because it was$2 ,000. You put a down payment on a credit card for a motorcycle? Yeah. Do you ride the motorcycle? Not in the last two years. two years sell that we're we're trying to we've been we've been trying to we've had it on marketplace we've talked to people then it's priced too high yeah yeah because we were what are you trying to sell it for what we still owe on it because we financed on it Lujo made some points on why it might be I thought it was cheaper because of gas and insurance and then I realized that the driving in Baton Rouge is really bad and it kind of scared me and I was like, I don't think so.

1:06:24Yeah, you'd get shot. Yeah, at that time we were living over 45 minutes away from his job and we were sharing a car so we were looking for something that was a little easier and would be a little cheaper for a second vehicle option. It turned out to not be feasible after we got it. But he rode it for a while and now the battery has trouble. Oh, for fuck's sake, man. but absolutely dumb, stupid, stupid sake. What the fuck? Who's Capital One Platinum? That's me. Is everything yours? A lot of it's mine. I think we both have a platinum. Okay, balance of$315.98. The minimum monthly payment of$25. What's going on with this?

1:07:17In November, we decided that we were going to get some outfits for Renaissance Festival. you f***ers. Oh, why do you spend so much money on this shit? I would love you to when you don't have f***ing debt. Wayfair's big sale is returning. Get ready for Wayday. For four days only, score up to 80 % off all things home with free shipping on everything. From October 26th through 29th, score Wayfair's best deals like up to 80 % off area rugs, up to 60 % off mattresses, up to 60 % off bedroom furniture, and more exclusive doorbuster deals. So mark your calendar and shop Wayday starting October 26th at Wayfair.com.

1:08:00Wayfair, every style, every home. Yeah, we have definitely put in way too much money and time into D &D and Rinfest and stuff over the years. it's something we enjoy but we definitely could scale back a little bit scale back to zero you have no money you don't have an emergency fund I figured scale back you scale back I figured after I paid for those outfits we could continue to wear those outfits so it was like yeah you're wearing them to Walmart just so the Renaissance Festival every year. Uh-huh. And? And we've only worn it once. For FriendFest last year. We wore them the two times that we went this past year.

1:08:55Oh, for f***'s sake, dude. You've had a late fee this year. I did call and get them to undo that late fee. I don't say it's not showing me undone. Undoed. Not showing me undoed. That late fee was due to, we were relying on my a paycheck to come in and it was the first time my paycheck ever did not come in. Capital One had a big issue. Shouldn't have to rely on a single paycheck to make a minimum monthly payment of $25. If that's where we are, we're beyond, we're not talking about scaling back, we're talking about going to zero. It's because I used my past paycheck to pay off all the bills because I figured there was going to be another one coming in for there.

1:09:41Why live on the edge of that? Always have a little bit of a cushion in the checking account, like a thousand bucks. We sometimes have a little bit of a cushion, but it's never been that much. And it never lasts that long. Yeah. Hundreds in interest, I think. 27.99 % interest rate. Okay. Quicksilver one. Who is this? Probably mine. Finally, back to her. Good. Oh, substantial bounce with this one. Let me tell you, maxed out. $1 ,000, no, about$100 away. $90 away. $1 ,558.09 is owed on here with a minimum monthly payment of$58. What's going on? 12 years to pay this f***er off. I actually think that's my Quicksilver.

1:10:24Might be your Quicksilver. Dude, this is you, you, you, you, you over and over again. Maybe it is you who's f***ed this house. Because mine has the$1 ,600 limit. 30 % interest rate. $197 this year so far. Why'd you go into this debt? I want to say that I just use it for just random bull. They're saying you got to get more credit. Yeah. Just to have a higher balance. Like a higher limit. That's so silly. Why have a higher limit that allows you to have more interest accruing constantly? This ruins you. I get it and then I say I'm not going to use this. and then you do it every single time yet you think that won't apply the next time?

1:11:08Yeah. I don't remember which one, but some of these credit cards we did use last year for the rental cars and we did a group. That was Mission Lane. That was the Mission Lane that we used. I don't know, man. Discover. Where's Discover it? That's me. Dude, it's just you, you, you, you, you. Yeah, I Because I make more than her I'm usually able to get More But you also spend more Yeah We're not married Again, maybe we should I don't know, you guys just enable each other You guys are bad influences on each other We blame each other We do tend to enable each other On a lot of purchases But it's the purchases that we don't discuss that seem to lead to...

1:12:05$58 minimum fee payment, balance of$1 ,668.23, $37.85 of interest accruing, six years to pay this one off. Oh, you got this one for a balance transfer. I wish you guys could tell me instead of what you guys told the producers the other day and then somehow completely forgot by the time you came on that show. Well, it's a balance transfer, but it's at 27.24 % interest. Well, it was supposed to be a balance transfer for zero percent interest. And then once I got it, it didn't allow me to do a balance transfer because they only had it for a limited time for some reason. So they marketed it as a balance transfer.

1:12:44But once I got it, it wasn't. So I just kind of spent it like a normal credit card. May I ask, what's the level of Down syndrome in this household? Zero, I believe. Okay, just checking the till. Care credit We got that for our dog Of course we did because pet insurance Why would we? We do have pet insurance Well I guess that makes sense because it's a 485 Instead of thousands and thousands right? Yes He so far this year Has had to have Both of his canine teeth removed For He was a stray And we brought him for his checkup This year for his rabies shots and everything to be up to date and they said both his teeth were infected or and so they removed both of those and now he's also going through heartworm treatment he is going through heartworm treatment right now the insurance doesn't cover his heartworms so it's bad insurance it's because he had them he was diagnosed with them before we got the insurance $30 minimum fee payment this expires on February end of February next year okay it is deferring interest $50.85 so far $4.85 pay that off let's call 7 months to be safe okay we need to make $69 we need to make a$70 payment on a monthly basis so we need to make sure we're doing that okay

1:14:2732.99 % Yeah We gotta hit this hard Okay one main financial Whose is it and why? 25.26 % I think it's on both of us But it might just be on my name Oh wait what is this? Is this a car? No What the f*** is this? We actually switched from a different loan that had a much higher interest rate Much higher than 25.26 % And much higher monthly payment? It was because we bought a shed hoping to turn it into like a tiny home. Oh guys, what the f*** are you doing? What are you talking about? And how'd that go? It did not... Yeah, we have not been to work on it. Are you renting it? We were looking at...

1:15:11Are you renting it? No. So what the f*** is the purpose of this? We were looking to buy a trailer and we had put down a down payment and we had signed paperwork and we're just waiting to sign closing paperwork and something came up and we were not able to get it but we had moved out of our apartment and we're living with family and we thought it would be a easy way to cheaper and have a place of our own to move into but we haven't renovated it to live in Ida hit later that year And then he started truck driving And then he was over the road For the next Six plus months Until We just don't have the money to renovate it So where'd this money go to?

1:16:07You're breathing heavy Which is okay It's okay But it's another indication of We need to really get on a diet Okay A year after we got the original loan with the tiny house, they cut his hours significantly. So we went from paying the higher interest rate and almost$800 a month for it down to the$430 that is on the one main. Yeah, it's at$428.39 on a monthly basis, 25.26 % interest rate. $10 ,932.18 is your current balance. so what the fuck are we doing with this can we get rid of it we still want to pursue maybe living in it at some point but we have to find the money to put into it to be able to what about mission lane who is this that's mine dude it's all yours she's had three or four most of them we share together we just minimal monthly payment at$750.63 is the balance of the minimum monthly payment of$26.73.

1:17:25That was when we needed the rental cars. Okay, well, we're losing$18.73 in interest for past rental cars earned$96 this year so far at a 29.99 % interest rate. Yeah, we, even when we had the coverage for the second rental car, We still had to put the damage waiver on the car. Which was how much? It was like$400. Yeah, it's like something. Here's the stupid mother, stupid tip bike. Okay. What the f*** even is it? What's the model? What is the bike? It's a 2018. A soft tail slim. Soft tail slim. You rode it for two years? Yeah, I haven't ridden it in like two years. We jump it and we start it. every once in a while, but he has not drove it in a while.

1:18:23$430.52 a month is the payment. Yeah, it's the monthly payment. What's the balance, though? It's like$12 ,000. No! At what interest rate? I think it's lower than that now. I think it's like 17%. Oh, but$10 ,000 is 17 % for a fucking motorcycle? Yeah. Wow! What is it? Yeah, we were just going to look at it, and by the end of the time we left there, we'd been there a couple hours. I actually wanted not to get it that day. I thought about waiting, and I was just kind of pushed by the salesman and by... Pushed? Oh, are you not a man? Say no. Not saying you can't say no to a salesman, but what the fuck?

1:19:11Well, it wasn't just him. It was also Ruby kind of pushed me into it because it was a good idea, saving gas and insurance. You pushed him into it? It was something he wanted. Do you know the death statistics around motorcycles, though? It would. A father of your child? Yeah. Looking more into it now, it definitely looks pretty dangerous. I've had a lot of relatives that ride motorcycles, and they haven't had any problems on them. So I didn't realize how high it was until after looking more into it. So I'm not upset that he has not been writing it as much. We have been looking into trying to sell it.

1:19:51But most of the inquiries we get are people saying that they can get a new one for not much more than ours. Yeah, probably. So we have not had any. It's not a good market for you guys versus when you got it. Yeah, so we have not had much luck with that. What are you trying to sell? You're trying to sell for the balance of the loan. We're saying$10 ,000. Yes. It's worth about$8 ,900 we're seeing. Yeah, we have seen that. We have considered putting it lower and then just paying the difference so we would have less balance. Yeah, no s***. So you don't have another minimum fee payment. You can't do anything right now.

1:20:28Is that all your debt? I think so. I think so. That's a horrendous thing. It is a very long list. It is a very long list. It is a very long list. It is$42 ,291.97 on bad debt. Not a single thing good there. You don't own your cars currently? We do. We do. Both of them, we pay for. Is that not a debt? No, we own them outright. No, we own them. We bought them. Oh, okay, good. $10 in this checking account? What the fuck is this? If it's my checking account, my checks also just go straight to K's. What are the conditions of these cars, by the way? They're really old. Oh, okay. Years and miles. They're 2001 Chevy Suburban and then a 2001 Mercury.

1:21:15Over 200 ,000 of those. Okay. So what are we going to do when they inevitably do not work sooner than later? I'm a do-it-yourself mechanic, I would say. Great. You did it for your last car, so. Well, my last cars were totaled. How? The first one, he had a one, it was just his car, like a one accident. I hit a pole. But if you hit a pole, what are you guys going to do? You can keep fixing it, but that's also money to fix. Share a car? That's what we had been doing. And then we went and we financed a new car last year after the first accident. I'm going to weigh a new car every three months on you guys just going out to eat.

1:22:08Every three months, the amount of food you guys are putting in you is the amount that you get an okay used car. Not great. Four months? After I hit that pool, we did buy a new car. Which is what we used. And then we used the little bit of money we had. Like seven days later. And exactly a week later, a guy ran a red light. And we told the accident and no one looked into it. So we were deemed both at fault. Dude, this check-in account is$10.14, yet we're going and getting some bullshit. Door dashing, cash apping out, door dashing, Chick-fil-A, Pizza Hut, Food Mart, Food Mart, Food Mart, bullshit, bullshit, bullshit.

1:22:44Every time we go in there, this is bullshit. Your dumb little jailer thing. Surprisingly, no overdrafts this year on that one. And then this other one that doesn't have much money in it. All of our money goes into his bank account. So the$10. Next check-in account, Wendy's, McDonald's. Going in and getting some BS. Lakeside Bar, Texas Roadhouse, Lakeside Bar, Whataburger, Tip Pizza, Waffle House, McDonald's, McDonald's. Going in and getting some BS. AMC, AMC, Chili's, Atheon Woodrow, Domino's, Lakeside Bar, Walk On, Punjab Diarrhea. It's an Indian place. Sounds about right. and we went in and got some BS.

1:23:30I can't know overdraft fees. Savings, one cent. We're on our way. I put all of my savings into an investment account. That's not an emergency fund. An investment account is not an emergency fund. You don't know what the market's going to do. Okay, this investment account,$1 ,237. So that's what our big savings are? Yeah, currently. I'm trying to put$100 a week. Oh, and then someone who's principal financial group. That's me. Well, at least you're at$17 ,362. That's a 401k. Which is definitely dramatically behind for retirement because before taxes, you're probably... Times 12. Probably want you to...

1:24:19Yeah. For your age, we'd want you at minimum to be at about, see,$32 ,000. So we're still dramatically behind, and then you have nothing, do you? Very little. Okay, we have nothing. Gotcha. Okay. Let's see if we can budget this, guys. This is, I don't know, I'm quite defeated. I'll be honest. Just these numbers stack and stack and stack and stack and stack and stack and stack and stack and stack and stack. But your total income for the house is$5 ,500. Debt payments. Here we go. Our debt minimum payments. None of this is even a mortgage. So$1 ,499.26. No car payment. We do have a bike payment, but no car payment.

1:25:10This is insane debt payments. What's your rent? $1 ,200. Utilities? All combined plus internet? $210. 210. 210. With internet. Good. Gas, room, room, drive, drive, both of you combined? Probably like 500. Okay. Car insurance? It's 275. For both cars. Phone bill? 250. Yeah! Do you owe on your phones? She still does. Once that's paid off, switch to T-Mobile. I see you have T-Mobile, so switch to Helium. 250, you said? Yes. That's crazy. Necessary food, you and your kids should probably be able to do 1 ,200, and that's being generous. Can meal prep? Actually, I'm going to do 1 ,100. Meal prep, use our budget-friendly cookbook meal prep, and I don't care if you guys don't like it or if they don't.

1:26:04One, diet. Two, financial diet. TP fund, anything else you and your kids need to survive? I'll do 350. Get 300. Medical, health care, anything on a monthly basis. Um, no. Co-pays, blah, blah, blah, prescriptions, anything like that? No. I don't know if I should ask this, but Jim? No, Jim. Okay. Subscriptions will do 50. What's your pet insurance? 70. Oh. It's 80. 80. Pet food? Probably about 50. Anything else that needs to be in your budget? I know$50 for the OMV. What's that? Office of Motor Vehicles 50? Yeah I don't know how you're going to survive $5 ,564.26 is what you need to survive on a monthly basis I mean you're obviously underwater by$64.26 What the f*** was your plan?

1:27:02What was your plan? Because I couldn't talk about a plan But what was your plan? Because right now it doesn't make sense I've been working a lot of overtime And just trying to like push to get This is with your overtime though, right? Because you said the monthly that hits your account is$4 ,300. That is on a month where I'm working 60 hours a week. I can work up to 70. This dude, you're going to have him working 70 hours a week on the road? He's not on the road. He is at home. He's not at home, but he's at a... 70 hours a week still. 70 hours a week. So you can work 30? It's not. What I want, he is required to work those hours at his job.

1:27:41He's not required to work 70. Just 60. 70s with working on Saturdays. I also pick up extra hours on the weekends and on days that we have people available to watch our kids. It's essentially the only option. Listen, here's the thing. I don't know how you come up with$369 to avoid that deferred interest. You guys don't make enough money. But let's say you bring in$6 ,500 instead and you have an extra, let's call it$900 with this debt.

1:28:14where's 900 divided by 947 months, or that still takes four years, four years to pay off debt, but you guys bring in an extra net$1 ,000 than you do now. That's not easy. That's not as easy as that. Guys, I'll be honest. This is what I think I might do. I might prove our behavior by budgeting like crazy, stop paying on some of the debts, budget like crazy, no more spending show that you're being disciplined and if you can do that for three months come on the financial auto follow up channel let me see three months of statements and if you do that and you're actually budgeting you don't around bankruptcy sucks and ain't cheap few thousand bucks it ain't stressful or it ain't not stressful especially as a couple some can be less stressful some can be more stressful these are a lot of accounts and you got to pay for the legal behind it and it's still going to be under credit seven to ten years depending it's going to you're going to essentially have to stay at your place because good luck getting another big apartment complex type rent you need to stay at your place for as long as you can but I mean still four years bringing an extra thousand hours a month he's already working 70 what are we doing with the kids and everything it's hard this might be a bankruptcy situation but you need to prove you change your behavior before you do it because if you don't I'll see you here in two years again being right back where you are.

1:29:40And we've seen that on the show. People who've been through bankruptcy and they're back to right where they were because they didn't change your behavior. So you got credit and then you got finances. Let's just settle with credit. That might be what I do. Or put in the hours. If you can bring an extra thousand hours a month, there's that. Now I know we're going to talk about your crazy pornography.

1:30:10in the post show. It's going to be very interesting. Very curious to hear about that because I don't know how you spent thousands on that in a couple of months. But yeah, that's going to be interesting. So I'm going to do your Hammer financial score. Bankruptcy is probably the thing. You got to come back on the follow-up channel. But guys, listen, join Hammer Elite in the description below. Join our membership. Hammer Elite is the middle tier. It is the best tier, best YouTube membership on the platform in the history. And they have told us that as we are the second largest now on our way to number one on the platform because it is the best.

1:30:41So join that thousands of hours of extra content, multiple dedicated shows a day, every single day of the work week, not just financial audit, more shows that you get to enjoy throughout the day. So subscribe, it's awesome. Just get your hammered financial score, spending a budget, technically because a little extra money came in. Just do some extra payroll. You actually made it, but it just went all to fast food. So the spending within the budget, two out of 10, because it still wasn't good spending. debt is horrendous but at least no collections or irs debt so one out of ten as bad as you can get without those two emergency fund there's nothing zero out of ten retirement yeah but if we combine you guys together that brings you down dramatically so two out of ten real estate zero out of ten it's gonna be a hammer financial score of one out of ten all right join us in the post show you already know it's gonna be a really goony conversation it's gonna be a good one but if If you don't want to be like someone that would be a guest on the show, all you have to do is download the DollarWise budgeting app, start your free trial, sign up for the annual version.

1:31:42I will sign our budget-friendly cookbook, mail it directly to you, and join DollarWise Central, which is the all-in-one membership, which includes the budgeting app and all of our educational programs all-in-one for a much cheaper cost than buying them individually. I'll see you in the post-show. The decision was made today to keep this behind the scenes. You were sending pictures of the girls. I used to find out just because I would see the payments on the card. It was like, what, something? something. It would also be like videos. What would they do? Just say my name. People do this? You can tip one there for certain things.

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