She Sucks... | Financial Audit

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27:23Check them out at yrefi.com slash hammer. That is Y-R-E-F-Y dot com slash hammer. Or call 888-Y-Refi-78. That is 888-Y-Refi-78. Break free from the high interest trap and get your finances under control. Once and for all. Girl math. I mean, it was other things, too, that you had to add on it. First of all, why is it$6 ,000? Because the flights are expensive. From Orlando to Hawaii, they're very expensive. I made a joke about first class. And next thing you know, she comes to me like, oh, I bought first class tickets. I didn't buy them. They came with the points for Amex. Then why is it costing us$6 ,000?

28:11Because they came with the points with Amex and they got applied and I needed an additional amount to be able to pay for the rest of it.

28:22Thoughts?

28:27Dude, what are you doing? He's on his way the f*** out and you're getting first class Hawaiian tickets. What world are you living in? And I am sick of this childish, this childish excuse of I didn't travel as much as a kid. Who gives a f*** ever about that? Stop being a literal baby. That is the most baby excuse I've heard about anything. You know how much I haven't done? You know how much I didn't do as a kid? That means I have to go do it all and risk my entire financial future for it? That is ridiculous. That is moronic beyond moronic. so guys I didn't live in a 10 million dollar house as a kid I lived in poverty I was getting foreclosure notices on my house as a kid you want to jerk this off you want to jerk each other off on the poverty fest let's do it there were some times that we didn't have food on the table for dinner there are times that what did they spend all their money on let's be honest my mom and dad were very poor but where did the money go at all times I had spaghetti for dinner every single night.

29:36It's all we could afford, blah, blah, blah, for Corses and Roses. We don't need to do a poverty jack-off class. We've all been there, okay? Okay? We all grew up lower. That doesn't mean you go and completely repeat the cycle and make sure your kid gets fucked. I am just trying to fill the holes that I had in my childhood, and I feel like I pay my bills, so I deserve things. My family deserves things. Yeah. What f***ing entitlement do you have? No, I think the one thing that is deserving is your kid was born unconsensually. That kid did not have a choice. So set them up for success. Instead, you care about getting pictures of them when they have the inability to make memories.

30:19Instead of setting them up for success with a college fund, with retirement for their parents so they don't have to put their life on hold in their mid-20s, mid-30s to fund their parents. because their parents did absolutely nothing, all for the sake of images and love boo-boos. Filling the holes, f*** you filling your holes. How about you not repeat the cycle? Because you're repeating the cycle, if not even worse. Because you know what's sometimes worse than being poor? Wealthy people that get themselves into an inescapable position. Because poor, you can go up. When you become in this position that you're in, where you're having a little bit of fun now, you make it so you will never have a future And you will be fighting and fighting and fighting for the rest of your life to settle debts, to go through bankruptcies, to try to exist, to try to not have your mortgage taken away, not have your house taken away.

31:16I feel like we still make good money. And I think that you make good money. You are pushing it to the edge. We know that your household income net is what has totaled your entire bad debt package. You know what? It's not going to, like, this debt's not going to matter when. Go on. Honestly, I just think YOLO, like, it's. Yay for the kid. Yay for you. What the fuck is wrong with you? I mean, that's not going to matter when you're dead. When you're dead, but if you want to pass any assets on to your kid, it should the fuck well because they'll have to settle your debts. So you're just going to accumulate all debt forever?

31:53Good luck. Really fucking over the kid and any future ones that come about. He's going to be the only one. Well, so you're f***ing him. Because you can't afford another one. I would like to have another kid. Are you serious? So we want to have another kid, but we can't afford another one. Because if your actions and your selfishness and inability to change without him putting his foot down, you will not have another kid. The household, the life, the family that you guys want to have, you are prioritizing. To be clear, a lot of boobos. Like, literally. over future children and over your kids' future.

32:32What the fuck? I think she should have an ultimatum. I think you are correct in the ultimatum you gave. Thought maybe it was a little dramatic at first. No. What the fuck? You guys want to have another kid, but you're saying this is the only one because you cannot afford another kid, when in fact you guys, compared to the median household in the United States, should be able to afford another kid more than anyone. Median household in the United States, what is it, 65 ,000? 65 ,000 hours? Austin's like 75 ,000 hours. Orlando, I'm sure it's around there. you guys are well and beyond. You guys are the ones who can have a large family and it would be perfectly fine, no assistance needed, set them up for success, and you are saying no, f*** it.

33:10Yeah. Huh. Huh, huh, huh. Bradley thoughts on hearing all that, because what the f***? What the f***? It's been my thoughts for quite a while, honestly. I can't, I'm having, I have trouble verbalizing it. I'm very introverted.

33:32Introverted? You have to be able to... I'm introverted too, but I can stand up for myself with my significant other. It's only like seven months. You guys are nine years. It's a little different, but that should even suggest more than anything that you should be able to stand up for yourself.

33:48We were doing good for a while and then just lifestyle creep, inflation, and I was just kind of used to her making all the money because I honestly, I was going through college when we first met. I was trying to get out of the automotive field, go into IT, make more money, make better money at the less expense on my body. And I guess I just got used to calling her Mama Warbucks and was trusting her to take care of her. Why? And what did we set up to trust? Where did that trust come from? Because look where we are today. It's going to take us a while to go through this, I can tell. Where did that trust come from?

34:32Or was it just the trust in marriage? Trust in love. Just the trust in marriage and family. And now that trust in marriage, love, family, is it not broken? It has been, yeah. And what are you going to do about that? Certainly ain't$6 ,000 in first class tickets to Hawaii. I can't cancel them. I would love to cancel them to make our relationship better, but I can't. So I guess we're going. Shuring 22 ,000 hours of spending making 9 ,200. That was just a one-off. One-off for you. That is not true. It always gets replaced with something else. We all have weird months, but every month is weird. Everything gets, the weirdness gets replaced with something weird the next month.

35:20I don't know. Just the last job, I was making well over six figures. So I felt like that, you know. So we don't have the maturity to adjust? Well, I mean, when I was making that much, I felt justified spending as much as I spent. But you were probably overspending, or else you wouldn't have been in credit card debt. That still doesn't make sense. Well, to be fair, we didn't have a kid at the time. We also had one last dog. or living with my mom. Then why extra were we going into credit card debt? Well, we were in debt when we were living with his mom. Like we, I actually say this. That was like back in 2022.

36:03So we went into 80 ,000 hours of bad debt in a couple of years? Yeah. On just her actions or would we say combined? I would say combined mostly meme. Brad, do you agree? I admit I'm not the saint or a saint at the very least because when I see her spending money on herself, I get jealous or envious. I don't know the correct word, but I also bear. And then what do you do? That's an immature reaction. What are you doing? Well, it depends on your action after, but. Well, I'll buy myself a computer monitor to get myself a. How many times can you do that? A computer processor. it's not very often but he's a gamer he was listening to Zelda in the headphones yeah

36:52pretty close and he's been he's been since he got here at 9.30am he's been down in hard mountain dudes by the way is that what's in the mug yeah alright Brad's a fucking creature I do want to mention something that I have seen on your shows and you probably will think this is pretty interesting. So I'm actually a Marine Corps veteran, but I don't receive disability yet. Whoa, the first one ever. And again, it's not that disability is bad. It's just interesting that it's been literal like 100 people on the show or something. Many of whom never went overseas or did anything wild. Why? So I am working on trying to get something.

37:36Okay. Well, for fuck's sake. Right now I get medical benefits. And what was your service? What did you do? Well, I was in basic training and then I got hurt. So I got out. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Or this tea time you. Or even this tea time you Said you hear about Dave Or even tea time tea time tea time you Mmm So update on Dave It's up to you, we'll take the laundry Rinse, it's time to be great Uh, after like Several months So Um, but I got hurt Yeah, so that's why I'm gonna go 3, 2, 1, go And on go at the same exact time you guys are going to give me your household financial score.

38:39Okay? Zero to 10, zero being the worst, 10 being the best. Three, two, one. One. Three. You're the one f***ing it all up and you think you're higher. Why? I mean, I feel like the income's there. I feel like, you know, we have 401ks, so we have some kind of retirement. How much is in our 401ks at 35? Mine's not a 401k, mine's an IRA So mine is Your guys' retirement is$17 ,578 Dramatically behind That would be about a 1 out of 10 for a retirement score Dramatically behind for 35 At your income levels, you'd want to be at about I'd say $151.75 The number one YouTube membership Just got Upgraded And for this month only, you can join For free Three exclusive shows every day, Monday through Friday.

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41:14Okay, we're kind of getting these financial documents because there are a lot of them. By the way, Miss Lanny's bullsh** told her, didn't tell you,$2 ,500 in this last month. that doesn't include going out to eat, doesn't include unknown purchases, which are usually Amazon, Walmart, things like that, that we cannot tell what they are. So, real bad! Now, credit cards, they tend to be with you guys quite separated. Not a lot of authorized users, right? On each other, not a lot of sharing in between? Not necessarily. We do have a few credit cards, but they don't have any balances on them. And we do have...

41:48If we have credit cards that don't have balances on it, and then I have this stack, that means you guys have way too many credit cards. Yeah. They're fucking crazy. Who has the American Express Platinum? That's mine. What the fuck is going on with this card? That's the card that I use for travel. So every time I travel somewhere, I use it for... Every time we travel somewhere. Why? If you know you are drowning in debt, and even if you wasn't aware of it at the time, you at least knew you were drowning in debt. You could pay your minimum payments. That is certainly not enough, but you were drowning in debt, certainly behind in a retirement.

42:20Why the fuck are you allowing yourself to endlessly travel. Because I told myself that I would travel when I got older and it's not like... What is this weird obsession with your childhood and your adulthood? Because, like, I mean... Your separation. I like going on vacation. Like, I like visiting my family. I like visiting his family. He wants to go and see... You like, wants, likes, wants, likes, wants. Need? Haven't heard it. I mean, you need to see your family every once in a while. Need? Critical for survival? Listen, I very much want to highly support it. Definitely a top want for sure. you guys will break down and die and your child will die in poverty if you do not see a family at this exact moment when we are dying in credit card debt.

43:01Road trip it up. Where's the family? My family lives in New Mexico. His lives in Illinois. Perfect. Easier road trip. That's a long road trip. Yeah, we've all done it. Come on. That's really long. Have you seen the size of Texas? Yes. I live in Texas. Yeah, it's three days of driving in Texas to New Mexico. I would say it's a full day, but... No. No, not through I-10. Yes. Unless you guys stop every six hours to sleep. We have a toddler. Like, we have to stop. That's fair. That's fair. That's fair. But also remember, the toddler does not need to see the family. I understand the family wanting to see the toddlers, though.

43:44Shouldn't be traveling like this. And even if we are, I mean, flights to New Mexico and Indiana, Illinois, should not be the absolute worst. You guys are living this up or doing it way too often. The balance here is$7 ,747.94 with a minimum monthly payment of $220.05. New charges even though we can't pay it off well. Well, no interest there. Fees,$560 of fees. What the f*** is that? The annual fee. Oh, f*** a dick. why do you need this you don't need this yeah i need it for the lounge access because we have a kid no because you shouldn't be going on trips i think we should you think you okay congratulations there you go you've heard it again brad thoughts because what the she's not changing i mean life is enjoyable and i want to i believe i asked brad a question i want to be the main character i still Well, ask Brad.

44:46Oh, okay. Well, she definitely has some big main character energy. She likes to be front and center on a lot of things. I'm Leo. What can I say?

45:02I'm Leo, too. You know that, right? You don't act like one. It's almost like it's all made up. Yeah, almost like I did for those$60 ,000 in debt. Our patterns changed based on our trajectory in the galaxy endlessly. What the f*** are you talking about? This is just what it looks like right now, the night sky. It changes in hundreds of years, especially thousands. It goes deeper into that. It's like about spirituality and... I agree. Come on. What else? I would say the same thing. She said she's not willing to change. And it's because it's a Leo. That's an interesting please don't divorce me tactic.

45:40Yeah. I don't know. I think we should still have fun with our lives. I think. I don't think it should all just be just bills. It's only all bills because of what you've done, though. It shouldn't be. You actually would be able to budget in a lot of fun, but you have prioritized way too much fun to film some deep bull trauma, if I'm being completely honest. Like, fuck you. Go see a therapist. Don't fuck over your entire family. I do see a therapist. Go see a therapist harder instead of fucking over your family. it's ridiculous your life is all bills now because of what you have done it because of the life that you've lived these are the consequences of your actions now your life's aren't all bills because you make no money and you're just trying to afford to survive this is where you put yourself so yes actually life should be all bills based on what you've done these are the consequences welcome to the world, welcome to reality you're living in it you deserve it I just don't have any financial literacy Like I've had to learn all this stuff on my own.

46:40I've had to learn how to use credit cards on my own. We all don't listen to me. No, I mean, my family, they never had a mortgage. None of them retired. None of them had credit cards. So I had to learn all this stuff on the go. You know, I used to be homeless. I used to have to learn how to open a bank account, how to go to college, how to do student loans. Like I had to learn all of that on my own. Let me play a sad song for you on the world's smallest violin. Okay. I mean, most of that's pretty chill. I personally would rather come from a family that didn't have credit cards because the first thing they told me at 18 is go get a credit card and max it out on something you want, basically.

47:17Well, my grandpa told me that if you get a credit card, just buy gas on it and then pay it off every month. She completely negated everything she just said. Sounds like she actually did get some financial advice when she was a kid. That's the only thing, though. But my grandpa never got a credit card. Until we discovered the next thing because you immediately came in with that in the back and forth. So you had more, actually, you had more credit card financial responsibility taught to you than the average American, including myself and probably him. Well done. Nobody needs to teach you how to apply for a mortgage.

47:48That's fine. You don't need to know that at 18. Student loans, I mean, that's pretty chill. Again, I know you're five years older than me. You had access to the internet. You had access to student counselors. Okay, so that one solved. Mortgage, don't need it. Credit card, you got the advice. Personal loans, I shouldn't be talking about. What's our other complaint? Our other wah, wah, wah? Homeless, that sucks. But that, again, doesn't, if anything, that teaches you not to repeat the cycle, not wanting your kid to go through that, if anything. That's one of the reasons, again, I was not in that bad of a financial situation, but one of the reasons I took finances super seriously in my slightly early and then definitely mid-20s was because I came from a financially unstable household.

48:36So you going through that should encourage you to have gone out there and actually tried to better it for the sake of your family and your kid. So I don't want to hear the bullshit excuses. None of us come from financial literacy. It's barely taught in school. Some states, yes. Some school districts, yes. But come on, it's a Passover class. Sometimes it's an optional class and sometimes it's not even taught. so wah move on

49:04so she thinks you guys shouldn't prioritize bills in your life I mean I think we should but I think we should also you know think about having good memories I don't think so I kind of know what you prioritize having memories so what are we going to do just stay stuck at home and do nothing there's a lot of things to do besides just going on massive trips and expensive parks. There's a lot to do. Yeah, we have a pool in our neighborhood. It's hot as shit. That's what a pool is for. And you want to go to Disney in Florida? A couple hour drive from the ocean as well. Get a picnic going. I guess that's true.

49:45Yeah, that sounds like a good idea. Yeah, and it's free for the most part. It could be a cheap picnic too. I'm okay with spending a little bit of money. You guys make money. I'm not going to give you a$0 fund money unless it's so tight that you can't even come close to affording life. Okay. These minimum payments are certainly going to stack. This is just one document and it's$220. Wine and Spirits, Swab Tactical, Vera Bradley Sales, going and getting some bullshit. Come on. What the fuck is happening here? This statement's ridiculous already. Central Florida Zoo, I think. That was for my son.

50:26I took him out on a fun day. Two-year-old. Two-year-old. I wanted him to go to the teddy zoo. If he's five, we're having a different discussion. He is two. I understand. What is he supposed to do? Just stare and watch like a screen at home all day? Are you a bad mother? You can't think of anything else? I mean, the zoo is fun. Cocoa lemon is the only thing you can think of that's not a zoo? I did not show him cocoa melon. Yeah, we don't. Cocoa melon is like, that's like brain rot. No, we don't show that. It is. It's bluey. But if you can't think of anything else besides going to a zoo for your child, I'm kind of scared.

50:57I mean, we can go to Disney. That's why we're in this. I mean, it's free every time we go. No, you pay for a pass. It's free every time we go, though. Yeah, but you're paying for a pass. And that gets you a discount in park purchases, right? Like, you're still paying for things while you're there. I usually don't buy anything in the park, though. Does she usually buy things in the park? Churros. There's no churros there. What are you talking about? Yeah, because you eat them all. There's sometimes that we'll do the character meals and stuff like that. You're stupid. That's something. But not that often.

51:32Usually I'll just bring snacks for my son and, you know, we'll just go and hang out. Your$100 backpacks. Of which the producers were told that you sometimes spend about$200,$300 every visit, trip to Disney on food and merch. It's not every single time. It's not every single time. That's what you told them on the phone So fuck you Oh you're on camera now changing your tune I don't think so I trust them They're much more willing to share all their deepest darkest secrets When it's just over our phone to the producers Once they get on camera they get a little nervous And they a little backtrack Not gonna allow it

52:11Especially Colton he's a sassy gay He can get anyone to tell them anything Like anyone like him and Lindsay both combined are an ultimate force

52:25told you that in confidence oh my god rest stop, crater shop food court cafe, Uber Eats, Uber Eats we're choosing Uber Eats when you're complaining about bills you're really just complaining about affording Uber Eats and going to Disney getting merch and f***ing zoos it's a two year old By the way, these trips you're doing for the two-year-old are for you. That is the reality because it's not really benefiting him. Obviously, stimulation, yes, a lot for kids. A lot for kids that doesn't necessarily need to involve zoo, Disney, trips on flights, Hawaii, first class. So then what are examples of things that are free for a kid?

53:09Like we, you know, we give them a coloring book. Oh my gosh, parks are fantastic. I don't know if you've heard of them. It's hot in Florida. It's hot here. It's hot at Disney. It's hotter at Disney for some reason. It is true. I've sweated my ass off at Disney way too many days during the summer. And I bet that swamp ass stink looking at you guys. Level two swamp ass. So I'd like to tell you guys exactly what I'm doing with my own money, my own investing and things like that. And a lot of you know that I was investing in an app called Moo Moo for a while. That's where I was doing my brokerage trades.

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54:19It is incredible. It is such an upgrade of a platform. And I wish I did this a year ago or so. And I feel dumb that I didn't. So here it is. Right here in the description, you can see you get a$200 ,000 to$30 ,000 cash bonus when you sign up or transfer. Also 12 months, a Wall Street Journal premium, a 3.5 IRA match, and 30 days of Webull premium. So listen, this is such an upgrade. I feel like an idiot again that I haven't done this forever ago. That's where I moved. And I think that's where you should move as well. Check it out. Top of the resources section in the description below. Cafe, Chick-fil-A, McDonald's, photography, cafe, getting BS, getting BS, Bath and Body Works, Old Navy, Old Navy, Chipotle, Disney Plus, Old Navy.

55:05And you also insist on singing at Disney property, even though it's super expensive. and you live in Orlando!

55:39$29 a month or then current regular monthly price. 18 plus terms apply. I like the experience of staying at the hotel. First time she did and deflected to her kid. I guess we can give her a high five for that. Yeah, well, she can't take me because I hate the freaking characters and the meet and greets. I have to see Goofy one more time and I'll punch him in the face. He does it for me. I like Disney a lot. Yeah, and I've stopped doing it. Get the hint.

56:08Huh? I would like you to continue going with me and Rowan. I don't want to go. Okay. I'm not anti-Disney. You guys can afford to go to Disney. Go to Universal. Switch it up a little. I don't know. Yeah. Go to Cedar Point if you want real rides. Trust me. Much more fun. Let's do it. It's cheaper. But you have prioritized you over living for so long now that now it's time to pay for everything you've already done. And then you can budget in doing more things in the future. Oh my gosh. This is crazy. this spending a loan on this credit card is crazy here it is hawaii barnes and noble go to a library i know you have it hawaiian i was getting books for or for my son he is a two-year-old go to the library it's always i agree i agree picture books fun read to the kid fun go to the library you can't afford life i mean again this actually barnes and noble purchase within itself is not bad It is the overabundance.

57:06It is everything that you are doing. It is an endless stack up of everyday purchases, living well beyond our means and not paying on any of the debt that we have. Airlines, airlines, airlines, airlines, airlines, airlines, airlines. Fuck off. Airlines, airlines, airlines, Amazon, Amazon, Amazon, Rover, for pet sitting, Uber One, and Old Navy. There's your annual membership fee. We've had plenty more fees than that this year. Why? Because I upgraded from the gold to the platinum Well also Nearly$200 in interest this year so far has accrued Great and I'm glad we're paying membership In order to pay interest in order to completely Our lives Costco whose is the Costco card Mine Okay and what is going on with this I did a balance transfer on that card When?

58:00Because you're purchasing$1 ,084.99 in the last month alone. I was using it for Pop Mark purchases. On a Costco card? It was, it was, okay. It's at$14 ,364.15 with the$209.11 minimum payment. Again, la boob is more important than la kid. I, so it was more of a lazy thing for me because I had the Citibank on my PayPal and I was using PayPal to quickly try to get the Libuboos because they're really hard to get. So that's why I was - Apparently not hard enough because this is - Okay. Popmart, popmart, popmart, popmart, popmart, popmart, popmart. Popmart, popmart, popmart, popmart, popmart, popmart, popmart, popmart, popmart, popmart, popmart, popmart, popmart, popmart, popmart.

58:55It's like a thousand Libubos! It's actually like 20. And they're hard to get? Shut the f*** up. 20 little boo-boos in one f***ing month. F*** off. You're choosing this over your child. You're choosing her over him. What do you think of 20 little boo-boos in a month? How much do you spend total in the boo-boos? Whoa, whoa, whoa. How much do you think she spent? Hopefully not more than 300. Try doubling that plus. $700. Round it up. $700. Boo, boo. And Discord, Etsy, Swim Life. Bullshit. Bullshit. Bullshit. Bullshit. Bullshit. Bullshit. You're also paying. She's paying her payments for PayPal Paying For on here.

59:48So she finances something with PayPal Paying For, and then she pays her payments of her PayPal Paying For on her credit card that is accruing interest. What the possible tip? That is insane. Oh, yeah, that kind of defeats the purpose.

1:00:05And she did that one, two, three, four, five times. Five times!

1:00:15I think that the pay-in-for is a little easier to use because... Well, obviously not, because you have to pay your pay-in-for by using your credit card. And it gains it. Just put it on the credit card to begin with. Okay. which no, I don't recommend, but that's basically what you are doing. You're just taking an extra step plus potential fees. Skip a middleman. Jesus. Like why? What is the logic? I don't know. I just thought that, yeah. But you put it on a credit card. Why? I guess that makes sense. Okay. So no, what you say makes sense. So basically with these laboos, which I'll show right here.

1:00:52Yes. We haven't seen it four times this episode. so basically living with 21 of them so trying to get these is really hard so you kind of have why you get 20 in a month so you have to be like really quick to try to get them um you know it's like it's like trying to like like like refresh the page and then you finally get it and you get the one that you want and you do the blind boxes i'm so sorry why are they more important why are they more important than everything you can explain all this but why are they more important it's just a sensory thing like I like having like collecting things that means you only need one I like collecting things and that is more important you haven't answered why it's more important more important than what paying off your debt your financial future keeping your husband around paying for your kid's college fund retirement so your kid doesn't I don't think about it when I buy it it's just impulse okay but you purchase it endlessly like once every day and a half So buying the LaBuboos is kind of like...

1:01:52I didn't get LaBuboos as a kid. It's kind of like gambling, I would say. Like trying to get them online through Pop Mart is kind of like gambling. Like you're trying to get the ones that you want. And if you can't get the one you want, you just keep the one that you get. You get duplicates. Remember when I asked if you slap her? I now support it. That's a lie, obviously. That's a... But that is so dumb. I did give one to a little girl on the plane, and she was really happy about it. And I also gave it to my nephews, too, like my duplicates. And they were really happy. Like, I'm wholesome with them.

1:02:28What about our son who's going to go without... He doesn't know about LaBuboos yet. He doesn't know about anything yet. You take him everywhere. To every expensive thing possible. You can't use that LaBubo logic. I want to spoil my kid. That ends in bad results as well. I'm going to be entitled Freaks Freak because we can't have another Because we're poor

1:02:58I do want another one soon yeah well good the fucking mark stop spending on the boo-boos I'm done I'm done I hope so do you think she's done I hope so believe it when I see it yeah me too honestly like I just get so inspired by influencers inspired by Disney influencers to buy la boo-boos when I think inspiration I think of accomplishing a big goal you're buying la boo-boos every one and a half days I would say like TikTok, like they like people like doing the like the blind boxes. What about my TikTok where I say don't be a financial dumbass? How about that? Maybe listen to that one instead. I do.

1:03:40And prioritize your family. Well, apparently you're not getting inspired by that. No. Well, I am. I am. But I like little boo-boos. $80 ,000 is a bad dad. Can't stop getting little boo-boos. She didn't really start getting into it until the ultimatum came. But. Really? We would laugh at your videos occasionally, but. But these videos are a wake up call for many. I see it out there. I see it out there. Yeah. Well, I mean, I've gotten that. And then another thing, too, is I've been influenced by a couple of Disney influencers. You know, I want to look cool and cute at the parts. You don't. So why not?

1:04:17I want a nice diaper bag. I got a Petunia Pickle Bottom diaper bag. Did you just call me? I'm so confused. Petunia Pickle Bottom. it's a brand, like a Disney brand of diaper bags. They're really cute. And I got that. And then I got like these little Disney little like LeBooBoo things. And I like to put those in my bag. Your family's important. You and your LeBoobs are not. Yeah, she needed a$200 diaper bag when we already had one. I mean, it's leather. It's nice. It's a nice diaper bag. Yeah, and it's smaller. No, it's not. Yeah, it is. No, it's not. Can't hold as much stuff in there. You know, take care of the baby.

1:05:10I do have a lot of backpacks and purses. Is the baby intentional? Um, yes. Why are we around so much? Well, you didn't go in it with planning. to your entire existence should be hyper-focused on its future. I mean, he goes to a really good daycare. Great. Great. Maybe he learns proper lifestyle things there. It's like a private daycare. They don't have any TVs. Can we also talk about this? I know your bullshit food alone was very expensive and it's probably very unhealthy food. You know, I can say this as a fellow, you know, chunky chunk. You know, we got some chunky chunk. Okay. Your kid's probably eating what you're eating.

1:05:49And with all that fast food spending, that you guys are doing, it's probably also not good. No, we tend to take better care of him than we do ourselves. Why don't you want to be around for him? And I've been changing that recently. I hope so, but that's what I just heard from her. I'll believe it when I see it. There's some charges on there like, I bought$900 worth of workout equipment so I can start changing. Hey, I hate that. That's what people do, right? They do that huge purchase up front, And that really fills that reward center. Like, oh my goodness, I just made progress. I purchased the gym equipment.

1:06:25You could have just gone to the gym. You could have just gone on some more walks, buddy. Start there. Get into it.

1:06:34Here we have the Lemo Emu in its natural habitat, helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally, Doug. Uh, Lemu? Is that guy with the binoculars watching us? Cut the camera. They see us. Only pay for what you need at LibertyMutual.com. Liberty, Liberty, Liberty, Liberty. Savings vary. Underwritten by Liberty Mutual Insurance Company and affiliates. Excludes Massachusetts. Because this is what so many people do. That's what so many people do. I got stuff that I could work out while I'm working. Like between meetings and stuff.

1:07:13$227 in interest this year. Loan on the boo-boos. Okay, I mean, you can use the Fizz card for this kind of stuff. Not Labubus, but hopefully for needs. It's a debit card that builds credit. We'll get you guys set up with that. We'll also get you guys set up with any kind of course career certification that helps land into any extra pay increases for IT, stuff like that. Extra certifications always help. Okay. And then obviously the premium version of BudgetNet, you get that for free forever. And our DollarWise Central program as well, which has all our educational programs from release about a new one once every month or so.

1:07:49So make sure you go through those classes together, especially the budgeting one, just start eventually the investing one. Okay. And for you, we just did one on overall job market and how to navigate it in general. You should probably go through that with what you're looking at in your job situation. Okay. Blue cash preferred. Who's this? That's mine. Oh, I have all the credit cards. Well, I just said at the beginning, Okay, wow. I really thought it was a split. He has a Discover card. And a PayPal card. Okay. Okay, so Blue Cash U. What's going on with this? It's a smaller balance, $406.77 with a minimum monthly payment of$40.

1:08:31What is going on here? Why are you purchasing $413.63? And of course, all bulls***. Use Rover constantly. Yeah, because we travel and we have to... Okay, then you extra can't afford travel. Then you extra cannot afford travel right now. It's further cementing it in. Well, we ought to use it to come here too. But yeah, we do use it. Yeah, but we reimburse for that kind of stuff. But you cannot extra... Extra cannot travel if you're having to pay for even more. Yeah, that's why I've been trying to stay behind and take care of everything. Really? Yeah. You're trying to stay behind and... Like take care of our dogs.

1:09:14And that's not a wake-up call alone that he's trying to stay behind in order to save money for the household? And you're just like, okay, let me just go extra? What the f***? How is that not ringing a alarm bells? I've been trying to get us away from Uber Eats. It's like I've been trying to drive or cook more to the restaurants to avoid. Cook more to the restaurants? Sorry, I've been trying to cook more. Instead of going to Uber Eats, I've been offering to go to the restaurant if we're just that tired. Steph in the right direction, Bill. That's this f***ing cook guy. It's not ringing alarm bells, though.

1:09:48He is offering and trying to actively stay behind on trips to save money. But you're just like, let's keep going. Let's keep going. Let's f***ing keep going. I mean, I like him to be there to help me out with f***ing water, just to be there to travel. And he can't be. So stay home. Drive to the beach. You're in Florida. You're by so many things. You're in the middle of Florida. You can go to Miami. You can go to Tampa. You can go everywhere. Clearwater. for some reason if you want to go to I don't know, Tallahassee No Jacksonville On here we got Petunia Petunia Pickle Bottom That's the diaper bag That stupid diaper bag Yeah She's obsessed with the nerd stuff Yeah, I use that card for like the nerd stuff Nerd stuff is fun He's into nerd stuff too on the video game side.

1:10:40I'm into nerd stuff too. I love it. You know, little music nerd. Little music nerd is my composer. And I also like, you know, video games and YouTube and all that stuff. Okay, I'm a big nerd. I budget in. I can afford it. Sounds like he is as well. You're being ridiculous with yours. Rover, Rover, because we can't afford to travel. TikTok shop. TikTok shop. And TikTok shop. What the? All your little influencers who are just trying to get commission on everything. Come on, it's a game! They're playing commission games! More L 'Bububus. Yeah, those are also L 'Bububus. So now we're practically to a L 'Bububu a day, by the way, within that month.

1:11:21You know that, right? You're getting almost on average, like, one L 'Bububu a day. We're very close to that. Like, give me five more L 'Bububus, and you're paying for us maybe, and you will have gotten a L 'Bububu every day the month that we just saw. This episode is brought to you by State Farm. Listening to this podcast? Smart move. Being financially savvy? Smart move. Another smart move? Having State Farm help you create a competitive price when you choose to bundle home and auto. Bundling. Just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state.

1:12:00Coverage options are selected by the customer. Availability, amount of discounts and savings, and eligibility vary by state. yeah that sounds about right yeah yeah i mean i just got it i i did just do it i was on i was on pop mart thing and i was like just getting trying to get a thing and it would it was like a dopamine boost where i would get one and i'd be like really excited when they realized that oh i may have fallen into a little bit of a hole delete it delete the app tell the husband you know this This isn't point. It's not, you know, like I'm not saying it's not addictive, but this isn't on those levels.

1:12:39Like maybe it's a gambling adjacent, but. Yeah. Thrill factor. Chelsea used to do with loot boxes on Overwatch. So. Oh, you just fall into all this. Mercy skins. Did you. Were you on the Stanley game? No. You skipped Stanley. Okay, good. You're talking about the cups. Yeah, that's Yeti. She got one from work, but luckily we didn't get too far into that one. I also use that card for when we go to anime conventions. So we have, well, we have conventions that happen in Orlando a lot. So we'll go do that. We? I'm hearing we here. Yeah, no, we. We both go. Okay, so you go into them. I don't even know.

1:13:22Try to get your kid to touch them. What's our objective here? Well, I like to look at the art. and I usually will buy smart from like, from some of the artists that are in like Artist Alley and stuff. I'm sure he loves anime art too. He does. Yeah, we've got a lot of stuff. There was one time, we also go to Ren Fairs. So there's a lot of Renaissance Fairs in Orlando too. Can you guys like not do something that's endlessly expensive, like once a week? Like you do everything, everything ever. You guys do it. It's fun. It is fun. I'm not saying it's not fun. I'm not even saying I don't want you guys to go.

1:13:59We just have nerd money. But yeah, there was one time we went to a run fair. We don't have nerd money. Isn't that kind of the point?

1:14:09We went to a run fair and we were getting ready for our wedding, for our Legend of Zelda themed wedding. And we spent$800 on swords before the wedding. and that wasn't the only expense to be fair we did pay those ones off before we're back in the debt no this credit card had a balance and you balance transferred it and now it's going back up again oh why would you transfer why would you transfer money without actually changing your behavior first why would you do that because now it's just getting double I did it because it was a 0 % APR. But it doesn't matter because now you're just building the credit card back up again with, by the way, a lot of boo-boos is what we discovered.

1:14:59So now you're going to have double minimum monthly payments. I do not want you guys to divorce. I do not think you guys are bad for each other. You have a lot of similar interests. You have a kid. I want you guys to stay forever. But finances is a leading cause for divorce in this country. with the ultimatum already given and what you guys talked about when I put you guys under earphones and everything. It's like you are headed there and you are allowing yourself to head there. Okay? You are pushing the marriage towards collapse. And that is on you. I don't want you guys to get divorced, but you are forcing it.

1:15:32How long can he put up with this? You're just endlessly deferring debt, pushing it, and then building up the other credit cards again. It's just like, it's so fucked. $80 ,000 of bad debt. Southwest Rapid Rewards. New. This is a credit card that you should easily be able to pay off with the previous$855 balance. But we only put the minimum payment towards it, which is$40. And then we purchased$431.16. Thank goodness. What great behavior we're doing. What great behavior we are going to be teaching our child when it's able to learn behaviors like this. Obviously, it's learning basics now. but this is the life you want to show them is successful.

1:16:14Show him good luck. Stitch Fix, Stitch Fix, Stitch Fix, Stitch Fix. Guys, you're wearing Pokemon shirts. Why are we subscribing to Stitch Fix? We're obviously not trying to look good. Well, excuse me. Okay. Hey, now. Well. Oh, come on. This is my shade. Yeah, like. Like it's fun, but it's not like it looks good. Okay. Well, all right. The reason why I use Stitch Fix is because where I work at, I work with a lot of like VIP CEO people. So I have to dress really nice. So I wanted to get a new wardrobe for being a subscription. Go to the store. I don't want to go to the store. I can't find stuff for like plus size.

1:16:57You want to go everywhere. You want to go everywhere. You just refuse to go to the store. Well, I mean, they have really nice clothes on Stitch Fix. And it's like it fits me well. Because when I go. Two options. Go to the large store or preferably number two. The large store has really ugly clothes. Like really ugly clothes. And then you show up with Pokemon clothes. I'm confused. And then number two, the preferable option, lose some weight so you can be there for your kid's high school graduation. I am. I'm on Ozempic right now. Is it working? Uh, yeah. Okay. Yeah. Good. Remember though, that's a tool.

1:17:34That is not a behavior change. I know. It is just like a consolidation or a credit card balance transfer or a bankruptcy. It is a tool. It is not an actionable solution because you can build it all up again. Well, I mean, Stitch Fix, they give you like, you know, style advice and stuff, I thought. And, you know, you pick whatever you want from there and then you pay for it. There was a fee this year. Is it a late fee? No. What was it? that was also a card that was balance transferred too good death are you kidding me $163 in interest this year so far oh this balance is thick and huge oh this was a balance transfer you alright okay well we have a balance on here of$13 ,832.70 with a$658 fee meaning with that and I know it's interest free for a period with the$13 ,174 you transferred, you did pay at least 5 % on that.

1:18:41So pay to insta 5%. Not even 5 % accrued over the year, an insta 5%. Probably saves you some money, but that's if you pay it off before interest starts accruing, which starts accruing in less than a year. Oh, wait. No, that's one of them. Two years. A year and a half. Got a year and a half Why'd you transfer? I just thought And then build it back up on the other card That you transferred from I just thought your interest would help me To pay it off quicker So that's why I transferred all the funds Are you paying it off quicker? In fact I just saw the spending go on the card that was transferred And building the balance back up Is it paying off quicker?

1:19:25Did you even know that? I did not What the f*** I don't have any money at the end of the day when I pay my bills. So I use the credit cards. Have you seen your spending, you absolute freak? Like, I am sorry, but you spent literal thousands on bullsh**. You don't have money after paying your bills? Legitimately go f**k yourself. You spent it on bullsh**. I never say that again. That is the dumbest thing I've heard. Shut the f**k up. We just went through your insane spending. And we're not even through it. Not even close. You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole.

1:20:12What do you mean? You have a literal$1 ,100 monthly car payment. Yeah, it's getting a little tight. $264 in monthly subscriptions. I didn't know we had that many. You guys have to take control of your finances. How? Just download the DollarWise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the DollarWise budgeting app today and take advantage of your free trial. Quicksilver, what's going on with this? Yours, right? Yeah, I mostly use that for the dogs or I use it for my medical expenses.

1:20:55What's worth it? It was paid off this last month. No, but interest is accruing. Okay, never mind. $436.57. Minimum monthly payment is$25. Hold on, I didn't write down the minimum from the last one. $138 for the last one. Yeah, these are stacking. Past choices. All of a sudden consequences are coming. This is for our dog. That's why we're getting the Amazon, Amazon, Amazon. I went through the Amazon. It was all kid stuff, by the way. My chart. Yeah, that's fine. Home delivery. Okay.

1:21:33well interest is accruing it's a 27.15 % interest alright discover it is this you again no that's not me this is you this one was paid off last month this is paid off every month because this is a chunky balance I took a 401k loan out to pay down

1:22:03I'm paying it back per month and paying interest unless you lose your job and they can call it due too risky to have and you're not even getting the advantage of having your money in the market I took a risk on that one I'm not gonna lie why though you make money

1:22:23alright balance $1 ,352.28 with a minimum monthly payment of$35.

1:22:32The critical things we need to get a 401k loan for. What was it? Oh, Sodo Square. Love Pop card. Birthday cards, Mother's Day cards. Sick. World market. Going and getting into BS. Bojangles. Fine wines and spirits. Taco Bell. Interest is here so far,$542. What are we doing? 401k loan for Taco Bell First I've heard that What a joke Come on there's bad behavior on both ends here Certainly more on yours but that does not Negate yours as well PayPal credit Back to you That's mine That is the$900 in workout equipment You financed it So trying to change One bad behavior with encouraging another. I've got six months to pay it off.

1:23:30I'm currently at... Better? Yeah, you're currently at$639.13. Your minimum's 30, but yeah, let's see. Your payoff day needs to be paid off. So probably... Yeah, accruing interest, deferred interest. Let's pay that off. It needs to be paid... Wait. I'm also waiting on a reimbursement from work. to reimburse part of that. Well, that's good, but you got to pay off$639 and four more payments. So we got to pay$93 a month. $93 a month.

1:24:12You're just stacking up more, more, more, more and more and more minimum payments on this household. Your doctor told you to start working out? Yeah. I have notes? Yeah, I mean, you guys are kind of passing that threshold, right? Like, I kind of did this life where it's like, yeah, 20s, you can kind of be fat and doesn't really impact too much. You know, who cares? Guys in that mid-30s looking towards their 40s, have a kid, things really start to get impacted. High cholesterol, high blood pressure. I have been sticking to a regimen and I've actually lost seven pounds. Seven? Seven pounds in two months.

1:24:50Two months? Yeah. It's actually really not good for you. There's no offense. If you were actually dieting and working out, the water weight you'd lose alone within just a few weeks would be like 10. I'm not really dieting per se. I've just cut back on how much I eat.

1:25:10Great. Okay. Listen, the thing is, just right at the beginning, I've been through a weight loss journey many times. I've lost weight. I've gotten healthy. I've gained weight. I've gotten fat. You know, whatever. And I'm going back down. I'm down 16, I think. The last weigh-in. I'm weighing in a couple days again. The thing is, without doing much, I lost like 10 in a month. Because when you're a big guy, we're both big guys, you lose a lot like that water weight. Not actually much work. Okay, Ashley Home Furniture, what the f*** are we financing for$4 ,000? Bedroom set. Why? Ashley's not great, I'll be honest.

1:25:49Horrible, horrible. The first couch I bought endlessly breaking, Ashley, you're a s*** company. I'll be honest. She wanted a new bedroom set for the new house. Whose name is this under? Mine. Okay. Go on. She wanted a brand new set, even though we had a good one. What? Why? You already had a good one. So we got a new house and I wanted the house to look good. You spoiled brat. You think you're entitled to everything. It's disgusting I wanted our house to look nice I've never had it Oh I never had it Shut the fuck up No one gives a fuck Except for you And you're destroying other people's lives for it You spoiled brat You're entitled to nothing Work for it Get it when you can afford it I do work for it No you don't You've accumulated debt for it And now you're paying off debt I work really hard at my job And I have a lot of experience But you're not working for this I have a lot of experience That's why I'm entitled to furniture.

1:26:50What the fuck is that logic? That's the dumbest moronic thing I've ever heard. If you work hard, you play hard. That's how I feel. You play within an affordable point. Okay. What? You play what you can afford. Guys, she's done. She's broken. She'll never understand this finances, financial responsibility. She'll never understand that concept. Just hearing her language. playing hard as getting a furniture set when we already had a good one stupid$120 a month $3 ,938.25 is owed interest free for a few years it's just it's ridiculous personal loan who's the personal loan to$25 ,000? both of us it's a debt consolidation loan so endlessly transferring endlessly consolidating endlessly never actually making progress and spoiling ourselves because we like to play hard because I have never done it before.

1:27:49I never got to play hard as a kid. It's a ridiculous 13.12 % interest rate. It's better than the cards. It is better than the cards, but look what happened. This completely negates it because you consolidate the cards and then you spend on them again, and now we just have double the debt. That's how it always works. That's how it's been working with the credit card transfers too. You don't get to consolidate bankruptcy or transfer unless you change your behavior for at least three months at a minimum to show that you're able to manage it. It's the only time a tool like this can be helpful. Minimum monthly payment is$661.71.

1:28:24Another one just stacking to the top. It's fucking crazy.

1:28:31Crazy. When did you guys do this? Last year. Last year. Right. Nothing to show for it. Orlando Health. 100 bucks. Why can't you just pay 100 bucks? Oh, wait. No, yeah,$100.

1:28:48Oh, okay. It's$585 and then$100 minimums, right? That's from one-born. Whose is this? That's from one-born. Two years ago? Yeah. $585.46. Minimum monthly payment$100. So that'll be done very soon. More. Oh, how many does this stack up to be? This is one more. Wait. Two separate bills, one for our son and one for her. But the birth related still? Yeah, we had a pretty difficult labor. $555.89. Renewalty payment, 206.68. Okay. Advent Health, what's this? I had to go to an emergency room related to my pregnancy. For f***s sake, this pregnancy. Okay. Total amount due. Remaining balance,$553.31. At least these aren't bad so far for what it's worth medical-wise.

1:29:54$39.54 is your minimum monthly. Mr. Cooper, I know that'd be a mortgage. She's expensive. Yeah. Yeah, because the interest rate, it's almost 7%. Yeah. Yeah, the new bill also. First year, they overcharged us, sent us money back. We used that to pay down. Second year, they undercharged us. And now this year, they're double charging us for interest. Interest? For escrow. Okay, yeah, your minimum monthly payment is$3 ,499, which is in your guys' affordability range, but it is pushing it for sure. It is definitely at that, pretty damn at that cap. Yeah, no, it's at your cap. Yeah, gross income, it's probably at your cap, yeah.

1:30:47With a balance of$339 ,275.47, what's the house worth? Do you know? It's worth about$380. Okay. And then finally, student debt, who is this? That's me. You don't have because the military. Well, I never went. I never finished my degree. You got a certification? I have certifications, IT certifications. Okay. $8 ,860.42 for your student loans. It's not horrible. And it's federal, which also helps. Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only, prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California, and for delivery.

1:31:41Minimum monthly payment,$108. Okay, good. Looks like you're on a standard repayment, and then it's fine. $0.97. Interest? 4%, I think. Okay, then we can minimum payments until these are paid off. Yeah, it's at 4%. Okay, that's not bad. Wait, hold on. What's the card? Did I miss a card debt? Because they're sending me a value of a card, right? miss a car debt? The car's paid off. Oh, you have a paid off car. Okay, it's worth about$9 ,000. 2019 Chevy Trax, one car? One car. Okay, is that working? Yes, that's in good working order. Or is it working for the household, having one car in a not walkable area?

1:32:21I would say, so if I do get this new job, we'll have to get another car. So right now it's working out because All you did was apply to it. I don't know why you're thinking so far in advance, but All right. They've been telling me that I'm going to get an offer soon. Well, that's different. You didn't lead with that. Okay. Yeah. You said I applied to a job. No, no. I interviewed. I applied. Okay. All you said was you applied. They're going to send me an offer letter. Okay, good. Then you'll need another car. Yeah. Cool. So we're going to go get a 10 ,000-hour used car that is... That's the plan, actually.

1:32:57We were just going to get a... No, it wasn't. By the way, you wanted to get a Tesla Model Y. I know your entire life. so you're a liar we're gonna go find one off Facebook marketplace I can fix up and Tesla? No, car used car. That you can fix up? No let's not make this an endless pithole project I don't know. Now let's go get a $10 ,000 used car that gets signed off by two separate mechanics that it will be safe and last you for a few years to come that is what we're gonna do and you can borrow for it because it's leading to a return on investment with your much higher income I'm okay with that but you are not going over$10 ,000 and you are going to spend months looking at VF2 and you're going to Uber to work because it will save you more money in the long run.

1:33:40And no Tesla Model Y. I love my TESI and I know they have good financing for it and the tax credit, though, I think your guys' income might be above where you can get the tax credit and the tax credit's ending anyway, honestly, in September, if I'm not mistaken. So, no. You can get it. You can get it. Once you're out of debt. That's what Brad said. And I am on mechanics, so I can tell. Well, okay, that's a start, but get a couple of separate eyes on it as well. I will. Trust me. All right, checking account. $2 ,227 in here, but that is half of what we started. Swab Tactical. What the fuck is that?

1:34:25It's$1 ,121. Swab Tactical. Two guns. I'm guessing you? Yeah. Buddy, paying off debt is so much more important. This is just fun. It is both. No, that's prepping. That's not for fun. Prepping for what? I don't know. Yeah. Scary political environment. That's.

1:34:53What the fuck are you talking about, buddy? No one's raising arms. I mean, it's good to have it. just for home defense. We got two guns. We got double. I lived in a real-time two. Halo 2 dual wielding? No, one's a shotgun and one is a pistol. For her. A 9mm. Again, I'm not against any kind of purchase in general, but you are dying in debt right now. That is much more of an alarm than the country going up in flames. Which one's more realistic? Well, right now you are dying in debt, not dying via a civil war. Yeah, well, military being deployed to my state is not fun, so. Okay. I mean, it's good to be prepared.

1:35:37Zell and money out, zell and money out, zell and money out. And 415 on the last one. Probably to each other's accounts. Babysitter. Well, we have babysitter and then we also have daycare. We have babysitter and we also do swim lessons for my son. For swimming at two? Yeah. It's for survival swim. Survival swimming. For survival swim because we have. There's a lot of pools and ponds near our house. Pools, ponds, lakes. I think the alligator's going to get him first. Well, there are a lot of kids in that county that have died from drowning. No, I mean, it's not the end of the world. It's fine. Again, neither are the guns.

1:36:14It's not the end of the world either. It is the endless stacking of you guys will justify everything you do. Multiple times a day. Okay? 42 hours in this account. It's nothing. this checking account,$100, but Swab Tactical again, that's the third Swab Tactical we've had, by the way. So it's just like, we're getting lots of Swab Tacticals. PayPal, Discord, Target, and PayPal, and going in and getting some bullsh**. Going in and getting some bullsh**. Google, going in and getting some bullsh**. Domino's, PayPal, High Dive, Crunchyroll. PayPal, Taco Bell, Ubering, Ubering, Steam Games, 23andMe. that's really not necessary for right now, and we already know, okay?

1:37:01Mexico, Ireland, boom, we finished it. Good guess, by the way. Huh? 60%. You? Yeah. Ireland? Yeah. We already knew that. I did. I mean, it could be Nordic. It could be Irish. It could be English. I mean. No. Yeah. Two dollars in savings, wonderful. Really making sure we're sacrificing for the kid. I have an emergency fund with a kid you are destroying his entire future if an emergency happens, by the way. That is more important than Disney, zoos, firearms, all that stuff. Okay? And I feel like I should get one too. I've been considering getting one for my house because influencers have had their homes invaded by parasocial freaks.

1:37:43And every influencer has weird parasocial freaks online. So I've thought about it. I've thought about it. So I'm not against it. Again, it's a stack of everything. Well, you don't have an emergency fund. So if one big thing happens, your kid is out. because you guys are out of the house. 17 in retirement. Yeah, definitely not even close to enough for 35 at your guys' income level.

1:38:08Come on, guys. Honestly, it was just an embarrassment of mindset on your end, if we're being honest, and then purchasing even on both ends, but definitely 75 % towards you.

1:38:20And then we can't even talk about money because you just, you know, you can't communicate healthy. I mean, you guys signed up and consented and all this stuff for me to yell at. So you knew that was going to happen. But when you guys have a conversation, she's not sitting there watching an onboarding video and having three producer phone calls and signing contracts saying, hey, please yell at me. You know? Because I even had in the notes as I read throughout there, she's like, I need to be yelled at. I need to be yelled at. You told the producers that. But when you guys have a conversation, that's not what she's going into that conversation for.

1:38:50She doesn't listen to me. But is yelling really going to be what does it? Different context. because she did not sign up for it. Is that really what's going to get over to her? I honestly don't know. I haven't been able to get over to her. Especially your wife? I wouldn't want to yell at my girlfriend. I don't want to yell at her. I do my best not to yell at her. What does that mean for the kid? When you can't get across to the kid, when they're five, when they're 10, when they're a crazy 16-year-old gooning endlessly. Well, I grew up in a household where my father yelled. And just like her growing up in her poor household, is that a cycle you want to continue because you are?

1:39:33No, that's why I finally put my foot down. Uh-huh? On what? On you yelling? No, on we need to get this fixed or we divorce. That's not what I was talking about. I was talking about your behavior in those conversations and what's going to happen when the kid starts getting involved in those conversations. Honestly, I can tell you, I don't think I'm yelling. All I do is feel like I'm, yes, I'm raising my voice, but I'm not yelling. Your perspective? I feel like he gets a little defensive. Well, defensive's different. I'm not criticizing. I mean, I can criticize defensiveness in a different way, but that doesn't concern me for the future of, you know, communicating effectively with a child or something like that, you know, and raising voice in a very scary way.

1:40:21I think it's more like kind of like a scary tone with it. And I think it's kind of. Can you demonstrate? Like, why do we need so many little boo-boos? Like, why do I see box after box after box? Why does this keep happening? Like, we just fixed this. You said we were okay. Would you say that's just about what it is? Maybe decibel or two higher, but that's pretty cool. Yeah, probably like a decibel. Well, come on. Give it to me. I really can't right now. Try. Try your best. Come on. Why are you doing this? Like, why? Why do we have so much going out when we have so little coming in? Like, why? I think that's about as close as I can get to it.

1:41:00Is that close? Yeah, it's just the tone is really just very triggering. You know, it just, it triggers a lot for me and it just kind of like makes me just. Unfortunately, I don't really respect triggering anymore in our culture. But either way, I will say this. This is not an effective form of communication. and I can definitely understand it would put the person on the other side in a more defensive mode, which also prevents communication on the other end, which all of a sudden now we have two people that are unable to communicate. Because if you're coming at it in a combative tone, I wouldn't say that was like an abusive tone or anything, so I'm not worried about that, but it's definitely coming in a combative, more aggressive tone, and that puts the other person in a defensive position and then all of a sudden we just really can't communicate.

1:41:43Trust me, I don't start at that. I do try to talk. What pushes you? What pushes me is the fact that we keep getting further in debt. And when I was 25, yes, I did file bankruptcy. You did? Yes. He's been through bankruptcy and he is trying to help with, he wants to get out of this so to not go through that again. And you don't give a f***. I really do. But you do nothing. And I've told her, like, my father. No offense, but your spending is bad too, and your debt situation is bad for someone that's gone through bankruptcy. I thought we were doing fine. I was trusting her again. Buddy, you just financed gym equipment.

1:42:28Like, it's the actions. It's still putting yourself in a minimum monthly payment situation that becomes difficult. Okay, your debt minimum monthly payments, not including mortgages,$3 ,090.06. Then we put in the mortgage,$3 ,499.03. That already brings us to$6 ,500 on our$9 ,200 a month net. Like, that's scary. Utilities. Internet, gas, electric, water. Probably about$500 a month. For utilities? And then$250 for our phone bill. That's included in that? Internet, it's bundled, so. Oh, okay. Then I'll cross out the phone bill. But either way, I'd unbundle that. If T-Mobile's getting your area, switch to helium.

1:43:06It's so cheap. As long as you own your phones outright. That's the part. But gas. Vroom, vroom, drive, drive. One car, how much do we spend? About$200 a month. Car insurance? $120 a month. It's not bad. Necessary food for you? You can probably do, I'm going to guess about$800. Should be good for the household. TP, find anything else you guys need to survive. I'm going to say if we're including the kids,$250. Daycare and babysitting, because I do need you guys to have some alone time as well and do some things even if cheap and free. How much do we need for daycare and babysitting? $1 ,400 a month for daycare.

1:43:43Okay. Give me a babysitting monthly. I'd say probably$100 total. Yeah. It's not bad. Okay. But obviously the daycare, that is expensive. $1 ,500 total for that. Medical health care, co-pays, medications, ongoing appointments. That's all through HSA. Okay, which is taking out of your gross income before it becomes a net, so we don't need to count that. Gym? No. No gym membership. Okay, but we're getting on it, right? Subscriptions, let's see if I can fit in$25. I don't know, let's see. Pets? You have pets. Pet food? Yeah, that recently spiked up here too. How much? Because our Corgi has a health problem.

1:44:30How much for pet food? About$300 a month for vitamins, supplements, and pet food. $300? Yeah. Guys, it's not working right now. You're underwater by just your needs. Just your needs. You're underwater by$1 ,084. $1 ,084. Okay. So here's the reality. A couple different options. It actually might be time for bankruptcy again. but you do not do it until you guys budget aggressively and prove that you can do this properly on the other side for at least three months. Then we can consider bankruptcy. Two, sounds like you're getting this job. I hope you do. But obviously that requires another form of transportation, but we boost that income and that takes you from 80 to 130, you said?

1:45:1790 to 130? So right now I get 88 and it's going to put me to 115. It's going to help a little. It's going to be like$1 ,000 towards debt maybe, and you need to aggressively budget that. You can't go to Vows. You can't do bullshit in the future. You cannot do anything that costs money, unfortunately, because it just doesn't make sense. Because at that point, it still takes 80 months. And what is that? That is still a six-and-a-half-year process. That's without an emergency fund. You should have at least a one-to-two-a-month emergency fund before you start paying off debt because you have a kid.

1:45:50You have a mortgage. You just got to be safe. Bankruptcy might actually be valuable in this. It's not cheap. It's certainly cheaper than$80 ,000 a debt. But it can be stressful. You know you went through it. Some people find it stressful, some people not. It's embarrassing. It's more difficult with a couple. You guys should be able to go through, keep your house, keep your car, but this becomes difficult. This becomes difficult. That might be what you need to do, But the first thing is, before you do either of those, it requires building this budget. Go through the budgeting class together. Use the DollarWise budgeting app as well.

1:46:28Work on this. Sit down on a multi-monthly basis until you guys have this locked in. Only a joint account for fund spending as well. Only one account until you guys have this. No more convoluted bullshit. One account, no more extra separate accounts. No more credit card spending. Make this simple. Sit down and talk about where spending went, where spending needs to go next month. alright guys we're going to do the post show there is so many things we did not talk about I am being told from our producers so this is going to be a really good post show come join us I'm going to give the Hammer Financial Score right now and then come join us remember Hammer Elite is free this month so if you join I'll pay for it but spending your budget and household financial score 0 out of 10 debt no collection but this is horrendous I mean it's really bad for your income it matches your income 1 out of 10 emergency fund there's nothing 0 out of 10 retirement 1 out of 10 real estate you do have an equity position That is good.

1:47:18Rate, you definitely got it at the peak for sure. You know, minimally payments, chunky for your income. You're really at that peak, if not just slightly over. So because of all that, I am at least going to bring it to a 7 out of 10. Because you could get out of it if you have to. Hammer financial score, 2 out of 10. Join the membership. Link below or click that join button. Make sure you select the Hammer Elite tier. Submit proof of purchase at hammerelite.com. And I'll send you a$10 gift card that pays for it. and you can spend it anywhere in any country. See you guys there. I know there is something we did not talk about in the main episode because there was just so much to talk about.

1:47:56What did we not talk about? Well, there's something I didn't tell you. It's f***ing b***h. Yeah. $5 ,000 for your f***ing b***h. He actually has something real that happened a few years ago and you are repeating that again. Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.