She Hates Her Husband, But Can’t Escape | Financial Audit

0:00To watch episodes of Financial Audit a week earlier, check us out on YouTube. That screams divorce inbound. Kid's not gonna grow up in a very happy household. I don't want to be married right now. Me? Yeah, I can't. You don't want to be married to him? No. My gosh. Does he know this? I've told him. He does scare me sometimes, though. Like, he can be a little reckless. I think he can change. Ring him up.

0:26Hey. Hi, I'm Lisa. I'm 23. I'm from Dallas, Texas And this is Financial Audit Welcome down from Dallas What do you do up there for a living? So within my job We call it Licensing But like on job postings And like in the computer It's chemical product specialist Chemical product specialist, okay How long have you been in that? Since August 2023 Okay, cool What are we making? uh 23 an hour so i think like 48 000 a year 40 okay now if i'm not mistaken you're married correct yes so is this a dual income household no you're the breadwinner yeah okay how do we feel living off of that so is it a you okay so you and your husband do you guys have any kids yeah we have um an eight month old daughter eight months she's little so what does the husband do he well he watches her so they stay at home um at least takes away like the child care costs because those are insane sure did he work he did uh what's he doing he was doing quality control at an oil place okay because i see twenty five hundred dollars hitting your account on a monthly basis at least this most recent month how do we feel living off of that for a family of three right now it's really hard um i mostly just don't look at anything money related which i know is a thing i know but i have so i like i'll start looking at it and then i will just freak out because I see like all the money leaving my account.

2:17And like, I'll just, I'll just like kind of ignore it. Just like an ostrich burying my head in the sand. Yeah, but that just makes more money come out later. Why not start solving the solution so that you don't have to freak out when money leaves the account? Because I feel like no matter what, I'll be stuck. Like no matter what. That's not true though. Why do you feel that way? because that's not true. I was in bad debt as well. I am no longer in bad debt. And it wasn't the YouTube income that took me there. You know, it was multiple jobs ago that I started working to get out of debt. Yeah. And I mean, that's why what I kind of realized when I actually started watching the show, I was like, oh, I guess I can do better.

3:03And so I've started like moderately, I guess, tiptoeing in it. What does that look like? What's a moderate tiptoe? i calculated my debt like i looked at all of it i opened the medical bills that kept coming in i looked at them kept coming in what happened uh so i gave birth um i went to the hospital a few times uh while i was pregnant because i had hyperemesis okay um and then my daughter was in the nisu and then she had another hospital stay when she was about two months old um and my husband has a little bit of a medical bill as well um from like an infection in his toe so what are we looking at because this in terms of stacks of debt i feel like a lot of the people i've been reviewing recently it's a lot of spending issues but the stacks of debt haven't been as momentous as we've seen in the past but all of a sudden i feel like i'm coming back to closer to the beginning of 2024 when there's this a tremendous stack in front of me and there is a tremendous stack in front of me i'm happy you finally looked at it that's a good step number one but what is happening because you got into you're 23 i don't know how have you accumulated so much individual debt what is going on here dude oh i mean there's some student loans so in total that's about 40k i think there's like 19 000 federal and the rest is sally may um miss sally um everyone hates her because she's a yeah i i should have went with discover i guess they offered but i was like oh i've heard of sally may but i i took out a lot more loans than i was expecting to for college um because i was planning i went to texas wesleyan and i was planning on commuting from my house to school but that ended up not being an option um for like i'm curious it doesn't matter but i'm curious sorry it's fine i'm interrupting um it's interesting because i was raised in a wesleyan household and like a lot of people i knew they ended up going to indiana wesleyan well is that is that islamic yeah oh what is that i'm sorry oh this oh yeah oh yeah sorry yeah that is how was that going to a wesleyan which is a very christian institution what was that like uh sorry honestly fine curious okay um i didn't have any problems with people aren't just like very very very very very christian there and they're like wait a minute something's not christian here i mean no i mean it is fort worth but no one cared all that much to be honest i mean uh there were a few questions um but that was really just from a few classmates um it was an overall positive experience interesting okay yeah i was just curious because i grew up with so many people who ended up going to that uh type of school so okay i mean And I did get, like, Bible verses under my dorm room door a few times.

6:23But, honestly, they were supportive. Oh, I assume they put that under everyone's door, right? Oh, I never thought about that. It's a religious, like, institution. No, it was a handwritten note. Oh, like, yo. Read the Bible. No, it was excerpts from the Bible. But it was, like, handwritten on, like, a – it was an index card or sticky note. So I assumed it was from like someone close. Sorry, you can continue the story. That was just a detour that just popped into my head because it kind of related to my growing up. So go ahead. Wait, what was I talking about? The student loan debt. Yeah. Okay, so.

7:05Mountains and mountains and mountains and mountains of credit card debt and other debt and terribleness and horridness and just really bad. so yeah the the 40k from school because i was planning to commute but then i didn't and then so there was dorm stuff um a very expensive laptop to be honest um and also summer classes um so i ended up taking out a lot more than i was planning to for that and my credit card debt would like like it went up in college to like i think 1200 but then i paid it off um and so i kind of like got a little bit relaxed with credit card debt because i was like oh it got high once and i paid it off and then i got more credit cards what happens let's see that's yeah okay sorry i got more credit cards and they upped my limits of course they did so friendly of them yeah that's what i was thinking right um i knew i had to pay it off but i was like i did it before i can do it again it's not a big deal so you did it again yeah oh you did do it again well not so this is your third time going into this hike of no no no this is the second time it's only the second time so you didn't pay it off again no okay i was keeping them pretty steady i don't know i don't remember What's that?

8:30You mean near the credit limit? No. It was... Well, this one is. Well, that was after my maternity leave. When did he stop working? So July of 2023. Oh, so before the kid was born. Yeah. Why the f***? Why? He got fired. Oh, okay. I may have missed that. Yeah, it's fine. Why didn't he get another job?

8:53That's complicated. Why is he not contributing to the household? because again it's fine if like it's a single working household but 2500 is pretty hard to live off of in dallas net you have an insane amount of debt which is going to prevent you from living the life that i'm sure you want your family to live uh he just couldn't find no another job that's what he said well like i can't force him to do anything force you guys don't have conversations no we do but he didn't listen why that doesn't sound healthy it's him that doesn't sound healthy no i know but i can't afford daycare so no of course it's not it's not about that but if he was working i mean the the goal is obviously throughout whatever daycare we're doing is to still get a net benefit in the end which how much was he making he was making 21 an hour which so potentially depending dallas is a large area there's lots of different places to look for work and for child care um yeah i agree uh it's just i kind of distrusted him to kind of do his own thing and he said he couldn't find a job and um that's kind of been it he said he couldn't find a job so he became the stay-at-home husband and i don't i have a lot of issues right now like marriage wise you do yeah but huh go on um but like the why what issues communication is a big one um also it's like if you're a stay-at-home parent then you it's kind of expected that you also take care of the household and i don't expect perfection far from it but he just doesn't um the kitchen is filthy like 99 of the time well he's the man up it sounds like yeah i agree um and you tell him yeah but it's kind of hopeless at this point sadly whoa do you understand how powerful of a statement that is i like i don't know if you know that that literally i trust me i am not trying to uh push for anything negative or anything but i think if anyone heard that's hopeless that screams divorce inbound um i don't want to be married right now i can't afford daycare me yeah i can't like you don't want to be married to him no like i love him i really do like seriously but like i gosh i can't afford daycare so does he know this i've told him and he just You've told him I don't want to be married to you.

11:59He says, if you want me to leave, I'll leave. And then it's just like, well, I don't want you to leave because I can't afford daycare, dude. Whoa.

12:10That's literally the fact of paying for daycare is literally the only. How is this? Okay. Gosh. And I am not known for being the person who enjoys children super a lot. but call him stinky that yeah they live up to it but i i have to say that kid's not gonna grow up in a very happy household if literally the parents don't want to be around each other and they only exist around each other not not for the sake of the kid but literally just to not pay for child care why are you guys married well things were good um it was like after he lost his job uh there were just a lot of changes uh he got depressed and that happens when people get fired though that is a very natural thing yeah it is and i i would kind of push him to do things to help himself get better and he kind of just had the attitude of nothing's ever gonna work and i would tell him about things that he would need to start doing like um pertaining to you know just cleaning up also just keeping things off of the floor because i was like once there's a baby there's going to be somebody who is on our floors who we can't have like small little choking hazards all over the floor he was like I'm gonna change when the baby gets here he doesn't he didn't uh I went I I had really bad postpartum depression so I went to therapy and I was trying like really hard you know marriage wise and my therapist was like a big contributor to your depression is that your husband's not helping and I thought that she was like completely ridiculous and then i got like another therapist who just didn't who i am still seeing and she doesn't really push um anything like relationship wise um but it's just like after the last therapist i've just realized um a lot of things and it just sucks because feel pretty stuck and um how would the family feel okay so gosh it's okay there is a chance this might come off as insensitive but it's i want to brace it as it's likely coming from just pure ignorance and i'm just very curious okay curious because again i was not raised in the religion that you are participating in yeah i'm assuming you are quite traditional if we're wearing the traditional outfit yeah how does the family feel in that situation then about divorce because that seems like a no option in the traditional versions of these relationships typically or religions typically so in islam divorce is allowed unlike in like i guess orthodox christianity um but it's not like recommended and i really didn't want to get divorced like i didn't get married to get divorced but you're saying now you do yeah because i because of the way that the relationship has went just say so nonchalantly just because i've accepted it over and over again like mentally i've had to i've gotten my hopes up over and over again and then 23 it's gone down and how does your how does your how do your parents okay my my family would be okay with it my mom was divorced also my family's not muslim i converted um they're christian for it was it for him it wasn't for him but he did introduce me to islam oh yeah yeah like i learned about it through him um oh okay so you weren't raised no no um he was obviously and i've actually like tried to call his um tried to contact his parents and his sisters just to be like can y 'all talk to him um his dad won't talk to me at all and his sisters are kind of just like oh he needs to go back home um but that's just not really an option still because of daycare um and uh i mean his parents wouldn't be happy about a divorce and i told his dad like that's the direction that we're heading but i still didn't get any sort of response like his parents would hate divorce like they're traditional indians it'd be terrible for them i don't understand i've never met someone so comfortable saying i don't like my husband and i would like to leave him and the only reason not is because of child care i've never thought i would hear something like that in my life that is absolutely i don't know what else i'm supposed to say you know like him yeah i love him i don't love the way that he acts and it's not good for my mental health um honestly like the way that i've thought about it is just i don't want to be separated i want things to be the way that they were but is it separated from him or separated in general from him okay so there's still because i'm i tried really hard will he go to couples therapy no we were in couples therapy and the therapist like started saying like well you're making excuses and he has to set up the appointments because i'm already going to therapy on my insurance sounds like he's given up yeah which there's there's no winning from that i'm sorry it's okay i know i know we haven't really talked about finances much i did not expect this no one sorry um not in our notes or anything um but obviously this very much pertains to your situation because marriage and child care and relationships that is all about the money and that's going to be even more telling going to this um feel free to take a moment if you want there are tissues over there uh right there yeah so they're a little hidden um wow um okay sure sure so where would you assess your situation today financially zero being the absolute worst 10 being the absolute best where do you think you would assess yourself right now zero okay yeah it's just i i have a bunch of debt i don't really have any retirement savings i don't have any equity so zero right oh okay watch your hammer financial score it's free in the description below and you can apply to be where she's sitting right now if you want as well at calebhammer.com slash apply so yeah let's start going into this debt All right.

18:44Freedom card. Freedom. Maybe. We're sitting at$2 ,917.17, which is just a couple hundred dollars, a few hundred dollars away from the credit limit. Is it? Yeah. Oh. What'd you think? Like$800 more. No. No. Under five. Oh. I don't know why I thought that. Well, you went and purchased$76. So what are you doing? If you found the channel, you self-confessed to that. And I know you bought the budgeting program, so you're not following that. Which, by the way, we'll refund you for it because you get it for free for being on the show. And I recommend that anyone buys it. I mean, it's great. But, okay.

19:34But, yeah. You're obviously not doing that. Following anything that we've thought. because you're going and purchasing on a card that you can't pay off and it's accruing$60 in interest on a monthly basis. It has a$98 minimum monthly payment, which on your income starts really eating at it away. And then you don't want to be with the person that you're married to. So you leave him and all of a sudden child care pops up. I don't know how you're going to afford a$98 minimum monthly payment. So we still purchase on here. That doesn't make any sense. Why are you purchasing? Because I tell myself I need the rewards and then I'm going to pay it all off at the end of the month.

20:04You mean the credit card points? Yeah. No, you're not a credit card person. you're not even close to a credit card person. This is not how a credit card person manages things. If you want to be, if you want to take advantage of credit card, dude, just use a fizz card. That's what we recommend to anyone on the show. Cause you just have to put the money in there up front. And it's just, that's you. If you're trying to take advantage of points and you're trying to take advantage of credit score, you need to use those kinds of cards. Can I become a credit card person? Yes. Anyone can. I was not a credit card person.

20:32I am a credit card person. I was not a decade ago, but I am today, but you're not right now. So this, I need you to move away from this now because you clearly have no discipline as of like literally right now so you can't become a credit card person in like five days it's it's discipline in five days yeah what are you talking about look what you're doing on here you're taking the you're you're putting the listen it's not these are just huh I said I'm sorry for laughing I said I'm nervous so yeah I've accepted that at this point it's annoyed me more and more based you know when people around here but i've accepted that people just cope laugh through the situation because it's a bad situation but that's okay it's mostly it's mostly it's transportation and urgent care yeah which it's not like i'm saying don't do that if there's urgent care to go to i'm not saying that but you're putting it on a credit card that you can't afford to pay off and i know you had money in your checking account so i never know if i do i never look at you right now i never look Then you look.

21:28Then you look. Okay, so my fear is I'm going to have to pay rent or something is going to auto-pay on my checking account, and then I'll be out of money. So you'll build up your debt that's accruing at a 30 % interest rate instead? That's dumb, but at the time, I'll be like, I'll just put it on here, and then I'll get home in a couple of days. I'm going to put it on my credit card and budget it. And then what happens in a couple days? I get too stressed out about putting my money on the credit card. And you're not a credit card person and you won't be in five days. If you get too stressed out just even existing in that world, then just don't.

22:08You don't need to be a credit card person. Who gives a f***? Credit card? I mean, not credit cards. Like the credit bureau. I see what you're saying. So, you know, potential mortgage, something like that. I get that. But again, you can take advantage of different. Like the one I recommended that still contributes to your credit score. and there are other debts but when you have access to a credit line you can't manage it you don't know how to manage it it's scary yeah so don't let yourself have access to it it is scary you're right you need to close it you need to end it you need to ruin its existence okay okay but i that's like the freedom isn't my oldest card but i have a discover that you'll see and that is my oldest card and my credit score is actually decent oh i'm sure i'm sure the companies love you so i shouldn't turn it off because my my credit history i want to take a little break from the show to talk to you guys about something super important you love your family and want to protect them right one of the best ways to do that is by securing term life insurance now this isn't your parents old and complicated life insurance this is something much better.

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24:30They have a 30-day money-back guarantee and you can cancel any time. Don't put this off. Your family's future is worth it. Apply right now at meetfabric.com slash Caleb. that's m-e-e-t fabric.com slash caleb thanks again to fabric for sponsoring this episode listen and i want that too but again again the argument i'm making this it's i love credit i want people to take advantage of credit the argument i'm making this is when you have access to a credit limit you are proving that you cannot manage it and it is more detrimental to your finances right now sure if you kept all the credit lines open and even with those higher balances that you have now, you may have an easier chance qualifying for a mortgage.

25:11Absolutely. But you are going to be put in a situation where you're building up your balances constantly. You have such high minimum payments stacking across all the board that you're not going to be able to afford to pay for a monthly mortgage anyway because your finances are so... So that's my argument with that. It's not saying I don't want you to have a credit score. It's you have proven right here, dude. You're basically at the credit balance. You're purchasing on a card that you can't afford to pay off. It makes no sense. It's hitting a 30 % interest. So get rid of it. It's destroying you.

25:44It's 30 %? Yes. It's 28.9 or something. Oh. I thought it was 25. Well, it's not. That's what happens when we don't look at things as we think and we don't know. Because it's scary. 27 % interest rate. 28.9. So I was correct and then I was told I was wrong, but I was correct. it's okay we'll beat him up in the post show or something yeah we'll take the bats we use to protect the office and we'll just me and you together it is scary and if it is scary then why put more money on it at the very least at the very least that doesn't make any sense i'm also scared of not having a credit card because my family is often asking for money, like in the family group chats.

26:38Sure. And I'm scared. If I don't have a credit card, then I'm going to become that person. Let me offend them. Your family. I don't give a shit. You have a kid. You have a husband that refuses to get off the couch. You barely make enough money for that area. You can't even pay your minimum bills. I don't care if they're asking you for money. you're not going to become them if we just manage this i'm sure you love them i love your family sure why not but also they're financial failures that doesn't define you it really doesn't yeah and i know they can probably hear me in the lobby so i think it's just my my mom's husband if he hasn't gone outside.

27:23Okay. Amazon Chase card. You almost paid it off, but then you put so much money on it. And then fees. Fees. $9.43 of fees. There were fees? For what? Fees. For what? I will find out. We will find out. I think... You purchased$1 ,000. That's half your paycheck. What? What are you doing? When was that? What are you talking about? It's right there. I'm so sorry. It's in your most recent month. Scary. That's scary. That you don't even know that you spent half your paycheck? What are you talking about? That's scary. Oh, come on. I genuinely did not realize I spent that much money. What the f***? So, I assume you haven't started taking the budgeting course.

28:17I watched a few classes. And? I got to the savings part. So you're not enacting any of the education. I was going to. I am going to. Okay, I'm going to do better. I'm honestly really shocked by that. How? And you have$34 of interest and basically$10 of fees. It's a little bit at a time, you know? A little bit at a time. This is over the course of a month. Yeah. I just don't realize it. I just it's like oh I'm gonna go get something to eat oh this is a nice little thing and I think that card is actually connected to our Walmart account so I think I've been putting groceries on it $1 ,171.35 with a minimum payment of $133.78 what are we doing?

29:07Amazon Uber Uber Amazon Amazon Amazon Amazon Amazon Amazon Amazon. Go inside getting some bull. Go inside getting some bull. Amazon. There's a class. I don't like that you did it on a credit card. That's a Memorial Day sale. Yes. I think everyone should take that. Everyone should try to improve the financial situation. I wish I had access to something like that when I did. But for a credit card. Plus, we're giving it to you for free. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Uber. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon, Dart. Oh, that's the public transportation.

29:47Potbelly, Uber. Do you drive? No. Oh, why? I can't. Okay. I don't know how. Oh. Like I've been kind of taught, but there's still some things I need to learn. It's pretty easy. Yeah. Who can teach you? I've been told by like plenty of family members like that they'll teach me. And then it's like you call and say, hey, can we do it this weekend? No, I'm doing something. Can we do it this weekend? No, I'm doing something. The dude that just sleeps on the couch constantly. He can't drive either. Oh, what the fuck? We can't drive. How do we get the kid places? My mom. And you live with them? No. How close do you live?

30:27I think we're like 20, 30 minutes away. She lives in, I live in North Dallas. Okay. That's crazy. Yeah, I don't like it. I don't like it. From Mattress Firm. A plan fee from Mattress Firm. That was the fee. Yeah. when I was pregnant, we were sleeping on an air mattress and then that got moldy. How long were you guys even together? We've been together since like 2020 is when we met. And then we got married in June 2022. Oh, okay. And so. Was the pregnancy planned? It was. We were, I thought money was decent. And like, I know I had a ton of student loans, but in my head at that time, I was like, everyone has student loans.

31:10Who cares? Oh. and uh yeah money was decent we were both working things were looking good and so and now we're here yeah amazon amazon as well yeah but i needed a mattress because my back hurt 20 yeah i would want to get a mattress as well um doesn't mean you need an expensive one i don't know how much was the mattress 1 000 okay well that was the whole bed set i mean when i oh okay well that might be okay then when i moved down here a few years ago you know i slept i wasn't pregnant but i am fat no it doesn't count it's not the same uh but i slept on an air mattress for six months and i just got myself a 300 mattress yeah i slept on that for a couple years and finally upgraded last year it can be done don't need to get an expensive mattress that's true now they will last longer that was on the cheap end because like when i was there they had much more expensive mattresses yeah they'll sell you on anything yeah so i just like cars i thought that was the cheaper end like i'd never looked into mattresses before so i honestly thought that was the average and my mom has actually never bought a mattress either she was with me she's only ever gotten second-hand mattresses so you brought like the least educated person on it i didn't know who was educated on it hopefully someone bought a mattress you didn't ask who has bought a mattress before no i don't know anyone who's bought a mattress i don't think what the like my twin sisters they live with their parents i think they just recently bought their own mattress but that's been after i had mine my oldest sister her and her husband got a mattress from his mom so all right your amazon we're getting natural baby mucus thing something that was refunded supplements amazon brand mama beer diapers oh okay newly 120 piece breast milk storage no one milks me in the post show gross i tell him to stop it's him not me ballpoint pens cute first father's day I don't know there's a little bit of love there still yeah I try detergent why a daughter needs a dad you trying to tell him something it's a cute book my sisters got me the why a daughter needs a mom story for mother's day and so I was trying to be nice and I got him the opposite one

33:41dual brush pen art spill stopper set ah this feels just like so what it starts to feel like to me is the oh that's nice for this that's nice for this that's what's nice for this let me buy this let me buy this let me and then all of a sudden we're at a thousand dollars of purchases in a month which is half of our income pen brush jet stream metal edition pen we really need that more pen art more pen art queen sheets probably actually need that ballpoint pens a notebook three notebooks and other notebook because oh replacement orders Yeah, because they like sent three packages out and then like they said they were delivered and then they weren't.

34:22And so I got the replacements and then the replacements like both sets ended up being delivered like a few days later. Do you regret any of these purchases? Yeah. I mean, mostly. This is very funny. I didn't point out the purchases I regret. Okay. This is very funny because I'm going to call you out a little. Just a little behind the scenes information from everyone else. you literally told us before this that you did not regret any purchases i know and then i ask you because now i feel bad now i feel bad because like you're calling you out okay well and you know that's actually valid that's actually valid like you said i'd spent a thousand dollars in a month before i didn't think it was anywhere near that much that is that is actually valid i'm like i'm not using the brush pins the metal pin that i got i thought it was going to be so nice because like it's metal but then it's like super light and flimsy they're different colors okay and then like one of them right tech brush pens i didn't need those because i already have so many other brush pens what what is this right i like that pen isn't that a good pen it's a decent pen okay so you don't get the weight is great though i like i love the the weight i just like i have to write with it more to figure out like the the like the the experience okay then return them i can i can do that i can do that queen size duvet cover more brush pens my what are we doing with all this notebooks notebooks notebooks uh baby walker needs to learn to walk in some way i guess more supplements we're just chucking those things down and so many notebooks and stuff I only brought Let me tell you the actual amount of notebooks I bought Cause like the repeats make it hard So I brought 1, 2, 3 4, 5, 6 7 cause there's that other one So yeah it was just 7 That I bought Which is not a just but What are you talking about Dude I have this one notebook This is our third This is my third notebook I've used in the history of this show We've been doing this for over two years They were in the deals.

36:29And so I convinced myself. You spent a thousand dollars in total. What do you mean you didn't? No, yes, you did. What do you mean? You just admitted you did. And then you regretted purchasing because you spent a thousand dollars. It was over the span of a month. So like in that moment, I was like, they're on sale and I'll use them eventually. Which is not like. That's stupid. You can't afford it. You can't pay off your debt. Interest is accruing. That's dumb. Yeah. Yeah. Next time I will budget it But It doesn't help anything now I know Get cheap pieces of printer paper Or something That you have to like tear Like what are you doing That paper sucks Yes it does Your debt sucks Your marriage sucks There's things we deal with first Fair I can go back to the 45 cent Show the dude this video and he'll see a dude yelling at you and maybe that'll make a man up for the first time no okay he doesn't like you it's not very nice of him i know he doesn't like that i'm here because he thinks that's gonna be great uh it doesn't matter i mean it matters but it's okay there's a lot of people that don't like me we just you know that's that's what happens when you become popular but why doesn't he like me i i don't know i really don't it's the face it's the face i have a little bit of should i call him it's probably not gonna answer doesn't answer his wife not all the time

38:06ring him up

38:10hey siri call future x no uh we're still we still gotta have optimism what you're the one who said you were done i'm still optimistic like i still think he can change i think he can change hello oh hey why don't you like me huh why don't you like me who are you i'm caleb hammer

38:53we're using it i don't care it's going in this whole place

39:00i saw that coming i knew he wasn't gonna talk to you wow okay it's interesting you'll never know no it's fine i thought it was just fun i was gonna grow him a little i'm some i'm sure some parasocial people are taking that really weird right now but like that was just oh i wasn't expecting to hang up them okay freedom card another freedom card no there's only one freedom that might be another statement because I sent two statements. Then I'll move on from this. Because I have a Freedom, the Prime Chase, and then Discover It. Those are my three credit cards. No, I actually, I have a Capital One, but I didn't submit that because I don't have any debt on it.

39:46But do you have a Discover card? Yeah. You said this was your OG card? Yes, that was my first one. Okay. We're sitting at$2 ,652.42. cents a lot of these are lower now by the way because of a debt consolidation loan thank you thank you you didn't purchase on a credit card i am relieved well done thank you well done i don't physically have that one so that's why not because of any control because of any level of maturity or caring about your future it's because you didn't have access to it i could have requested a new one though and i never did oh me well i i take back my thank you i didn't request a new one that doesn't matter though if you had it on you you would expect knowing your behavior that's why i didn't request a new one well okay then i'll half thank you then thanks okay i i'll take that 76 is your minimum payment 55 and 72 cents of interest is accruing it's gonna take 10 years to pay off only during the minimum which is all that you're doing because you are not prioritizing where your money goes because we do a thousand dollars on amazon a month 25.24 interest rate not great oh now we start getting into the medical what is your insurance situation i actually have pretty good insurance um it's blue cross blue shield through my job but um i'm insuring me my daughter and my husband and they take out 480 a paycheck sure sure sure sure sure yeah what's your deductible i don't know do you know if you've hit it no no i don't know oh you don't know yeah i don't know sorry okay well this was in 2023 anyway you didn't even like try to find out the deductible i mean i figured my insurance would cover all of that like if i hit the deductible then my insurance it's always just good to check though because insurance companies i don't really like them i don't understand them to be honest i've just kind of like i got the insurance through my job i give them the insurance card and that's like as far as i go i mean if we're going to like an urgent care or like a different doctor then i see if we're in network yeah yeah we were in network you owe thirty six hundred $658.98.

42:11And what, if any, negotiations were there in terms of bills? Just anything at all on behalf of the insurance, on behalf of yourself? Was there anything, any conversations? Some of it was covered by my insurance already. They paid the majority. Yeah. $27 ,537. You owe$3 ,658. But still. Okay. Okay. Well, that's just past due. why haven't you enrolled in a payment plan because like it because i don't think i can afford it probably not that's why i was ignoring them i don't know you spent a thousand hours on amazon though i mean that was on credit yeah that was on credit so that makes it okay no it's not okay but like if that money left my checkings account then i may not have been able to pay rent yeah uh your account is now significantly past due this must be another one this one is gaining fees i think because you're not paying for it i think you're gaining fees because you haven't paid for it i didn't know that i think okay okay i'm trying to look because i think you owed credits balance oh well maybe not so for this one is this all birth related um all of the texas health is either birth in icu yeah it's going to be either childbirth or in icu okay or the visits from when i was pregnant so all like related to that okay yeah that one's 884 dollars owed man another south and they could probably put you on like a low payment plan too and there's also like there are some that went to collections and when i went to like the website and i like tried to look at possible payment plans it started at like 200 and i was like i can't do that how's the kid today she's good good she's nice and healthy good 1 ,213 from that one okay yeah because that's tons of those 40 ,000 bucks but you owe a thousand from not 45 so insurance is good for something sometimes okay what's miramed that's a collections agency from uh medical bills that have already gone to collections that was actually the one that i looked at and like tried to see what i could do on a payment plan and that that's the one that started at like 200 through the collections not through the hospital through the collection Well, I think through the hospital, they're usually a little more generous with that.

44:45But they already sold it. No, I know. But that all of a sudden discount, like, that doesn't mean you shouldn't talk to the hospital about the hospital bills that currently exist. Okay. Because, yeah, I mean, the collection, I mean, they're just trying to get all the money because they bought their money. Okay. Yeah, you owe$3 ,452 on that one. It's in collections, though. Okay, United Revenue. I'm assuming this is also collections. Yes, that is. I can't figure out. I have to call them. Was this also medical? It's got to be. Yeah. I don't know the specifics. Okay, so I understand maybe not being able to afford minimum payments, but it looks like you haven't tried to pay anything.

45:24So what's been going on with that? Because it looks like you haven't even attempted, which makes it a little harder for me to have sympathy about it completely. Ostrich head in sand. It was just really stressful. I am terrible at handling my stress. Are they showing up on your credit report? No, I don't think so. Yeah, there's been also rules changed about that. It was like, I think the rule was like, if it's less than 500, then it can't be on your credit. But most of mine are more than that. Yeah, we do have one of 3 ,555. It's way over that. I want to take a quick moment to thank today's video sponsor, Morgan & Morgan.

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