She’s Hiding $330,000 Debt From Overseas Husband | Financial Audit

24:10Even just minimum repayments without any purchases. So, I mean, there's purchases right in here. Listen, and it's basically maxed out with a$389 minimum repayment, which is insane. The balance is$10 ,763.37 with$84.90 of purchases. So, why are we purchasing it? What have you done with this card since the debt payoff? Since it became out in the open, we had to put our rent on there a few times. Before you got the mortgage? Yes, prior to the mortgage. Oh, which was your rent? It was about$1 ,200 at the time. Then you don't go get a more expensive mortgage if we're not paying off the card where the rent was put on that was cheaper than the mortgage we are paying.

24:50But at the time, I didn't have any way to pay my rent. I had to pay my rent somehow. That's not the point. Pay down this f***ing card instead of getting a... Yeah, but my rent was going up And at that point I could have a mortgage That was the same as the rent of the crappy apartment I was in A mortgage that you might have an equity position We don't even know You think you might have a$30 ,000 equity position Well, that's not very much And that can move up or down Depending on where you're forced to sell it at I mean, yeah, but Get an$80 ,000 If you thought you had$80 ,000 Of market position in your house I would feel confident that you'd at least walk away With some money Because you would be able to do price cuts if necessary, and you'd still walk away.

25:28$30 ,000 after all the fees and commissions and everything, you would have to get it at the exact price you think it's worth without any movement for you to walk away with like$10 ,000. But the thing was, is my rent was going to be increased to$1 ,600, and it was that or I could buy a house and get a$1 ,600 a month mortgage. So at least I own a home and I'm not in an apartment. Right, and you have maxed out credit card for that. You're putting all your rent payments on from before. But all my payments have come out just fine now. You purchased down here Just fine on my mortgage Yeah because you're putting your fucking purchases on the credit If you were just running out of a debit account Would you even be able to pay your mortgage?

26:05I don't know Yeah Should be good I just have to get rid of a few things What does that mean? If I get rid of a couple of credit cards Then I can start cash flowing things You're purchasing on the credit cards Because I can't cash flow them So I gotta get rid of the credit cards So I'm paying the credit cards down at a higher rate How much did you spend last month? I would say I at least spent what I brought in. So if you're saying that I brought in like$11 ,000, I've probably spent about$11 ,000. No, no, no, because you can't say what that deposit was. Let's take away the University of Tennessee.

26:37Okay. You brought in about$8 ,600. How much was spent? I would say about$8 ,000. Okay,$9 ,600. So you spent$1 ,000 more. Yeah, you're going to cash flow. What cash flow? You put it on credit because you don't have enough money. But I'm trying to get to the point that I have money. I'm trying. oh that yeah oh so if we're trying that means the math doesn't exist that means if it was all on debit last month because we tried well I went and looked at all of it and I looked at the minimum payments and I looked at the interest rates and I tried to just add up a little bit extra look at your spending because it's a thousand hours more than came in no I did not look at my spending I was trying to look at how I could get rid of all this maybe we look at our spending maybe we'll look at a budget maybe you build a budget I mean I've just never successfully built a budget what does that mean so like I've tried to do some budgeting I've tried a couple different routes and avenues for budgeting.

27:22And I've just seemingly have always gotten the numbers often wrong. So I tried some budgeting apps and the budgeting apps, I couldn't get them to sync up with my bank in a way that it would actually like zero out at the end. So we've got military banking because of military and they don't like to work with the apps. So then I went to paper, just writing everything out, doing a weekly budget. When I got to that point, my weekly budget wouldn't match up with what was actually coming out of the accounts. so then I tried to go and threw an edit and now I do a bi-weekly budget where my husband and I sit down.

27:54Can I also switch away from the military accounts? I mean, listen, I'll give you a simpler budget premium for free forever because you're guests on the show. We're switching to a new payment system on the back end, no longer Plaid. It's a payment system that includes all the other payment systems. It's a balloon one. So I would actually be surprised if the military ones don't work with that because I don't think any other budgeting app, as far as I know, is using what we use, and we're doing it so that everyone can connect every account. Because, again, my goal is to make this the best budgeting app ever.

28:22So you get it for free. You get it for free. Husband gets it for free. You guys get a free week trial. And for those who sign up for the annual version, you get the Simpler Budget Founders Edition notebook signed by me, mailed directly to you. So make sure to check out the Simpler Budget app in the App Store or Google Play Store now. But, okay, so not looking at budget. because you never figured out how to make the budget work with your banking system, I guess. I mean, I tried the paper budget, and it just wasn't lining up with what was actually coming out of the account consistently. So that's where I got into some sticky situations.

29:01Plus, like, we want to go out. We want to have fun. We want to do things. Well, that's different. Like everyone else wants to do. I mean, if you budget, you're putting that in. I mean, that all of a sudden doesn't mean a budget doesn't exist. What are you talking about? Guys, I just wanted to say an extra thank you for making Simpler Budget an incredibly popular app. I wasn't expecting it, but we literally get like thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app.

29:30So we still have a two week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, will get a Founders Edition Simpler Budget Notebook. And it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app. And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download Simpler Budget now. It's incredible. The time to take control of your finances is literally right now.

30:04And as an extra limited time only bonus, I will give you a signed version of my budget friendly cookbook for free when you sign up for simpler budget premium annual well i'm trying to figure out like what does that budget actually need to look like so like i've really cut back on like a couple things you look like for what what am i wanting to do for fun what are you wanting to do like every so often how much you want to spend on go hang out with the girls how much you want to spend on fun i mean i would like to spend like maybe a hundred dollars on fun even though you have about 80 000 hours of really horrendous bad high interest debt well i I mean, not right now.

30:37I want to get rid of this first, but like I would like to get to a point where I can like go out and have fun. Then why would we need to put that in the budget now? I mean, maybe not right now, but like later. Yeah, there was$727 of going out to eat. Really? Yeah. How much do you think was spent on miscellaneous bullshit? That could be video games. It could be whatever. We're about to find out, but it's literally miscellaneous bullshit. I mean, this one. How much? In the most piece of month. Statements that we have. How much? I'm going to say$1 ,500. Okay. yeah 1900 okay a little closer on that one what are you talking about that's almost two thousand dollars i mean it's not what i want but it was my birthday month i was trying to like go out a little bit military man shoot this woman what is happening birthday month what are we on what is this is this a new invention that people are just doing i told myself i was gonna be like really good leading up to my birthday month i was gonna cut back on my spending and then for my birthday month I could like kind of treat myself for a month maybe for the birthday not even the birthday week the birthday fucking month the birthday well I've got some like different friend groups and they have like god this weekend you're gonna destroy your life for 1 out of 12 months well no but like my one friend group wanted to do this I have a different friend group that wanted to do that like I just had like this weekend here since it's your birthday well I'm not gonna expect people to pay for me not expect but maybe they should you know like I gotta be able to at least afford my own if I'm gonna go somewhere Yeah, then you can't afford it.

32:01So you don't go. You spend a thousand dollars more than you make. Eighty thousand dollars are really hurting. It is bad debt. Need to move. Might have an equity position. Might not. IRS payment coming up. Need to have an elective surgery. Can't pay for that. Definitely don't have an emergency fund because we got to pay for all those things and we literally cannot. So what the are you talking about? That doesn't make sense. That on that priority list of everything I just named, which was like four or five things. Birthday month is under. Under an emergency fund? Yes. When you start laying it out.

32:33Under an elective surgery? Yeah. Under, I guess it depends on what it is, but even still, probably. Under needing to move? Yeah. Under having to pay our taxes? You better f***ing betcha. Oh, no, I'm paying my taxes. I'm not trying to get messed up with the IRS like that. Yeah, we'll f***ing find out if you do or can. listen $281 a loan on this I know it hurts it hurts every month when it comes out it hurts every month but I'm going to purchase on it still so my balance doesn't go down as quick what do you mean that does not line up that does not line up that mindset is broken it was my birthday month it hurts but it's my birthday loan so allow me to destroy my life what are you talking about this is borderline maxed out it is so close well I did call them and I had them drop the like amount that I could spend we have to do that for everybody because you have no self-control?

33:23If that's what I got to do, that's what I got to do. You know, it was at$20 ,000 at one point. It's down to like, what, like almost 11 right now. Like it's, if I got to call every month and have them drop it, I'll call every month and have them drop it. Jeez, dude. Okay. It's at a 34.15 % interest rate. Yeah. That's insane. Oh, it's disgusting. That's insane. This is the biggest one. Like if I could get rid of this, I would feel like a huge weight off my shoulders. That's fucking crazy.

33:57What is your plan for this card? Well, I was trying to do the snowball method when I started really looking into debt stuff. I was just going to snowball it. It was a gym. Get your gym subscription off of a credit card that is accruing 30, almost 5 % interest. Well, I tried to cancel my gym membership, but it was going to be$500 to get out of the contract. Just get it to a different payment account that is not 35 % interest. That's all I'm saying. At a minimum, that is your starting point. Yes, probably cancel it. But I support gym. Put gym in budget. I always put gym, mental health, and budget.

34:29Absolutely. But not our 35 % interest credit card. Okay, yeah. I'll put it on a different credit card then. So what are you even spending in your birthday month? Well, I mean, like, I got myself a hair dryer and, like, a diffuser. Okay. Because I haven't owned, like, a hair dryer in, like, a year. Really? You didn't have a hair dryer? No, my hair dryer crapped out, like, a year ago. ago and I didn't want to like buy a new one because I wanted a nice one so like I figured I'd wait up so we waited until we couldn't afford it but yet it was still our birthday so that was my birthday gift to myself I was gonna get a hair dryer with a nice diffuser that way my hair looked good you know it was only like two hundred dollars for what I wanted so I went with that one and this one will last me that's it like 10 years that was your entire birthday month that was that and then I also like I went to this like resale store for like books and stuff and I got a couple books I I got like a Wii.

35:19I got some video games for that. Oh, Wii? Yeah, I wanted to play Mario Kart. Oh, yeah, sure. People play that on Switches. Oh, Wii? It was cheaper to buy a Wii. It was much cheaper to buy a Wii. But you're not getting new games. No, I was just getting some old games that I liked from like when I was younger. And then like I went to the vape store and I kind of splurged at the vape store a little bit. You splurged at the vape store. What the f*** does that even mean? What does splurge mean? When we get to the surgery date, there's no more smoking or anything after that. so like I was gonna like get my couple of like vapes and things and then I was gonna ride those out of an addiction I was gonna ride those out until then and then I was gonna be done that's not how an addiction works you don't ramp up to the cutoff you know no I don't you've got a point you've got a point you've got a very big point there I probably shouldn't have done that but I did and you know I'm down to just one vape and when that vape's gone I'm done I don't even know what one vape equals But I guess it doesn't matter to pay all this off If we're just going to die from chemicals in our lungs I mean, I've got life insurance That'll pay for the rest of this You'd have to be dead Yeah, won't be my problem then That's a horribly immature worldview

36:36Okay Amazon, I'm sure that's what you need access to Oh no, Amazon got me Okay, Amazon we owe$960 The balance went up on this $965.11 My back doorknob fell off And I didn't realize that my Amazon car was still kind of attached to my Amazon account So I ordered that, I had to get some new filters What are these fees? You got fee filters? Filter fees? No, I got filters for the house Then what are these fees? $33 minimum fee payment What is this fee possibly? Interest fees Purchases Balance up It could have been a late payment What are the fees? What are the fees? It could have been a late payment From where my card got messed around Messed around?

37:21What the f*** does that even mean? I had to get a new debit card number So I had to set everything up correctly Debit card number wouldn't make That doesn't matter My debit card got it Someone got into it I had to get a new one I had to get a new bank and everything You didn't need a f***ing debit card number, though. Oh. A link of bank account? When I'm, like, going in there and I'm, like, paying it, it's, like, use this debit card. You didn't look to see if there was potentially another option instead of getting a late fee. I fixed it since then. I don't even know. What is I fixed it? Well, like, I went through and I made sure it's set up to the right one now, so it's not going to happen again.

37:58Until it does, though, because you looked for no solution. You just accepted it. Oh, I'm going to have a late fee. Yes, it's... I'm going to grow from that. I'm going to make sure I don't have another one. I hope so. I feel like a lot of the people that never grow from things are the ones who say, I'm going to grow from that. Well, that's the plan. That's the plan. I've experienced it. That's the plan. I've experienced it. I know what happened. I know what I'd do next time. You didn't until I just told you three seconds ago. I didn't realize I could set up a routing number like that. Then what the f*** would you have done different?

38:23I put the right card on there, and next time I'm going to make sure the right card's being used each time. What? But you didn't have a card, you said. So how could you have a right card? I make sure the right one's on there. Oh my f***. That's not an answer. That is not an answer. Well, when you go in and you're in the little portal and you're looking through everything and it's like, use this card, I'm going to make sure I'm picking the right one. If I didn't just tell you that, if your card got messed around with again, you would have just allowed a late payment. Well, I did this once. I got a late payment once.

38:50I'm going to go in and I'm going to double check next time. That is not what I am saying. I'm not pushing back against that. I'm pushing back against you would have just allowed this to happen again if I didn't and it just tells you the solution. Which means your mindset's not in a great place. I have a lot of stress on my finances right now. But you make it worse by not problem-solving things. I'm confused. Okay. So what are you doing on here with this Amazon card? And it's Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Of course. My back doorknob fell off, so I had to get a back doorknob. Sure.

39:24And then I had to get filters for the house. Okay, show me your Amazon account. Let's see. I don't even know what the credit limit on this is, but I wouldn't be surprised if it was like a thousand and you were basically maxed out again.

39:38Also, no! Liar! Liar! Liar! Two fees this year so far! By the way, there's only two months of f***ing statements on here. Liar! Liar! Well, then I don't know what the other fee is. for f***s sake it happened once we're learning our lesson no you didn't you didn't even know about another f***ing fee it's a lie I did not know there was another fee if I knew there was another fee I would have told you that to fix this well if I knew there was another fee I would have told you that why would I lie about that intentionally I cannot trust that you will not go down that road I don't think you can have credit cards You are not responsible enough to have credit cards.

40:24You can't use other people's money. You cannot have the control of automatic payments. You are not. I mean, I will agree with you. I am not a credit card person. I don't need them. We've looked at two credit cards so far. You've purchased on both. One of them has a membership on it, like a regular subscription. I wasn't buying anything else on there. Of which we would move away from it typically? I mean, yes, I will when I leave here. Huh? When you leave here now before you... Let's talk about a tool that pulls Thanos snap on your bloated software stack. High level. If you're juggling a separate CRM, funnel builder, email marketing service, text platform, and appointment scheduler, you're probably spending hundreds a month and half...

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42:20Jump on high level, consolidate your toolkit, and watch your monthly bills shrink. What the f*** is this? What is this? What is what? Baby Delight Alpine. Oh, my best friend is about to have a baby. Congratulations to them. That was her baby shower gift. Hopefully they can cash flow if you have$80 ,000 of bad debt and can't afford even your f***ing taxes. I want to get my debit card. Shh. Taxes. that is still money that could have gone towards debt or could have gone towards taxes. You can't pay for taxes. You can't pay for the surgery. You can't pay for any of the things you need to do. Okay, then f*** off.

42:49Rolled cones. We're getting rolled cones and rolled cones and rolled cones. We're getting rolled f***ing cones. A lot of those got returned. A lot of those got returned. It was on some weird subscription thing. It got cancelled. They got returned. Dude, I don't think the ones I'm seeing have been returned. I know they've been returned because I drove all the way to a Whole Foods store to return them. Maybe they haven't been processed yet? It might not happen. I know I drove all the way out of my way to record these. Got some car fluids of some kind. Ordinary airline solution. Micro Pro charger.

43:21Bike lock. Advil. Sharpies. Lots of yogurt or humidity. What is this? Humidity absorbers. It gets really humid down in Tennessee and we have some water at the end of our property. So there's just moisture everywhere. I was trying to get a little bit of that out of the air. Yes, there's the door handle. The thing you brought up, like, that's what you, that's the only thing you brought up, and it was like 50 purchases down. There's some returns for a different type of stuff, but still the cones or whatever you ordered, there were three boxes of 100. I mean, it's not all horrible. It's just, do we have to be purchasing these right now?

44:02I don't know. I don't think so. I don't necessarily think so. I just had to go to Oklahoma. Well, I didn't have to. I just went to Oklahoma for my best friend's baby shower. I wanted to have a gift when I got there. I get it. How much was that? I mean, traveling down there was about$300. How much was the gift? The gift was$89 with some taxes, like$95. So not terrible. It was definitely the cheapest gift you got by far. $100 is more than you make in a monthly basis, and you can't pay your IRS that. And then, you know, we went shopping, and we got some food, and, you know. Okay, here's another. This is synchrony, but just synchrony classic.

44:35Okay. On here, you owe$2 ,000. Oh, then that's the American Eagle one. So that's what I was getting a lot of my clothes on. What are you, a 12-year-old tweak? No, that was what I was getting a lot of my clothes on back when I was working on my old job and I was having to buy clothes regularly. I would get jeans and basics like that so that I had just simple things to wear with the work required items. You had to be on-trend. You had to be in fashion. Like, we had this whole check-in. What the f*** are you talking about? Well, they're telling me you've bought clothes out in Oklahoma and mailed them home.

45:10Well, yeah. We went to the Goodwill bins. That's not what you're saying, though. Well, no, not on this one. I didn't put those on this one. This is from when I used to work at my other job, and I had to regularly be up to date in fashion trends. That's what that is. How long does this take to pay off the$2 ,000, just minimum payments, without any purchases, which you're incapable of, that exact thing? Seven years? Seven to nine years? Ten years. Okay. Ten years. You'll be in your mid-30s. by the time your past work Victoria's Secret clothes has been paid off. So, you know, and then there's that.

45:41And then I went to Oklahoma to visit my friend for a baby shower. They are right. I did have to mail clothes home. We went to the Goodwill bins. I went a little crazy at the Goodwill bins. Got like nine pounds worth of clothes. Shipping them home. Yeah, it's like a dollar a pound. I think you have an addiction to just clothes. I think you are allowing whatever work required requirements were required which i'm sure there were some i think you use that as an excuse to do more than you actually needed to do i mean you went into debt for it for i definitely felt like intensely pressured to constantly spend money on clothes yeah so like i was constantly spending by my bosses by the people i was working with like we were party girls we were always going out we had to have clothes for going out for work that's not for work those were my work people and we'd still wear that to work work and i'd still have to buy things for work i had to have my For work, I had to have my hair done for work.

46:30Like, it was a whole... You had a uniform head to toe. Going out is not work, though. I need to make that clear. No, but I'm saying I also spent money on clothes going out. Yes, but this entire time, you framed it as you had to do it for your job. The bulk of it was for my job, yes. But you... And then there's the side part of it where, like, I was doing these things. Listen, if you're going in debt and you can't fully pay it off from your income from that job, but you're going into debt in order to be able to do that job, we're not working that job. and i'm out of that job now huh and i'm out of that job no one would be working at victoria secret if that was 100 true if they had to spend more on their clothing than they get paid i probably could have done it in a cheaper way but i'm feeling all this you had to do this i did i was getting dress coded regularly i almost lost my job over my hair one time you should have hair is different you're saying you had to go purchase like a thousand new outfits constantly yeah and I did.

47:22I did. We had monthly things that we were like, hey, this is your monthly check-in. These are your new items that you've got to have. I'm here alone. $47.37 of interest. Thank no fees this time. 11 years to pay off, so 37 years old. 30.24 % interest. When was the last time you... When did you stop purchasing on this card? This card I stopped purchasing on two years ago. You haven't had a single purchase in two years not a single purchase in two years it was a much higher balance it was a much higher available balance and i did call them and i had them close the balance down so that it wouldn't be like a temptation to spend no you don't still spend money on clothing for work not as much no not as much no like i still buy clothes from time to time but is it for work yeah but not like not like my work is not making me buy clothes right now by any means, but every so often, like, I want to get a new outfit.

48:21No, you're a clothes addict. You sent home pounds, nine pounds of clothing. Even if it was cheap, it is clearly demonstrating how you do it. I mean, I like to be on top of the fashion trends. I like to buy clothes, yes. You like to, but you have$80 ,000 of bad debt, and you can't do the fucking massive list of things that we've talked about. I'm not going to repeat them again because it's insane. Clothing, sure, fun. take care of yourself first for f*** sake so surgery for you or the husband? husband okay and you're prioritizing you having better fashion than their surgery? no cause great that is what you're actually doing in your behavior whether you're consciously just saying that or not it wasn't all clothes for me out of that nine pounds wasn't being fully selfish I didn't buy a lot of things for myself you don't like collect clothes within that fashion I know lots of people do that I do like to collect clothes.

49:19I like to collect jewelry and things like that. I mean, I work in the jewelry industry, so I have a pretty extensive jewelry collection. What's it worth today if you sold it? Probably about$30 ,000 in jewelry. No way! Yeah, we're selling that shit. No, a lot of it was gifted to me, so a lot of it ends their money on. I don't care. Also, some of it, you can't just resell body jewelry. That's gross. It has biomatter on it. Oh, body jewelry? I don't know. You can't just sell that. Whatever we can sell, we're selling, though. I mean, that's going to be a part of a debt payoff journey. It is. I mean, I've got some necklaces and bracelets and things that I can get rid of.

49:51Whatever we can sell, we're selling. Okay. $30 ,000. Yes, a lot of it was gifted. A lot of it was gifted. How much? So I would say probably like$20 ,000 of that was in gifts. Okay. So like my grandma has a lot of like heirloom items she's given me. There's things like that. Heirlooms is hard. I don't necessarily say sell heirlooms. So like that's part of my collection. You know, things like that. Like it's not all like I'm not swiping the card for all my jewelry, but I do have a pretty extensive jewelry collection. Okay, Navy Federal. There's the military thing. You owe on this$5 ,677.92. $87 of interest accrued.

50:31Minimum monthly payment was made. Minimum monthly payment is$1.43.57. What's up with this? Well, that is husband's card. That's not my card. So you guys are both... We both have debt. Do you guys sit down and talk about money? Yes, once every two weeks, the day before payday. And you both sit down and say, how do we destroy our lives? So we've sat down and budgeted. We've gone through. We listed out everything in order of most expensive to least expensive. We've gone through and tried to figure out the snowball method. I just can't. But that is the easiest thing to figure out. We can figure that out in five seconds.

51:06It's actually executing. So I listed it. Yeah, but no, no, no. But that's what you guys are, is you guys make the list, but you never follow it. why don't you guys follow? Why don't you guys hold each other accountable together? We're working on following it. So we're working on that accountability aspect. Look at what you are. You spent a thousand hours with me. You're not working. That is incorrect. You're not going to sway this conversation like that. We're doing these regular check-ins. They might not be working, but we're trying to do them. If something's not working, do we continue doing it over and over again?

51:33No, but that's why we've kept changing the method. So we keep switching up kind of what we're doing. So right now we're doing a more weekly check-in instead of a bi-weekly because we noticed that we're not ending on track with the budget. Tell me how they go. So we sit down and while we're eating dinner, we pull up all the things that we have to pay and we pull up our bank statement and we go line by line and look at it. And we try to figure out where did we up and where do we need to fix it in the future? And then we start holding that accountability. So like, hey, like I'm going to spend money and I'm going to go out to eat because I'm in Austin, Texas right now.

52:02So like we're doing it. We're telling each other what we're spending as we're spending it. And I think that's holding a little more accountability than before. What we're spending. No, no, no. Why are we just we're just telling each other where we're spending money. We're not sitting down and establishing where money should go for the household. Well, we're talking about when we're spending so that we know when we don't need to spend the money. We need to reset. That is not how we do it. Is that how, though? Use, again, the fucking budgeting app, and you assign. What? The budgeting app doesn't let my bank account in there.

52:33This one, once we do our switch, might. Okay. But either way, even if it's on a spreadsheet, which is obviously much more manual because that's automatic connections. But even still, actually, you could do the manual things on this version as well if you really wanted to. So you could still do a digital version without the automatic connections. Obviously, the automatic connections is more fucking – here's the founder's edition notebook, by the way. Sorry, I forgot to give you. So you will journal that and you will bring it back for your follow-up and I'll read it. But either way, you assign where your money goes.

53:07That is it. You and him assign where the household money goes and that's where spending can go. And then you address it in the monthly sit down and then adjust the budget. You don't come back later and say, hey, I spent this on this. You're not going to get anywhere with that. And that ends up spending$1 ,000 more than we make on a monthly basis. Well, that's why we're doing the weekly check in. So we're checking on the week, making sure all the budgets come. I don't think you understand what I'm saying. It's so stupid. So what was spent on this card? this borderline maxed out as well that one was some bills and things like that back whenever a husband had like lost a job broken his foot couldn't work for a substantial period of time um so that was putting some bills on there that was going out to eat a couple times that was some things like that that was from like three years ago though when this bidding happens why is this so close to max out though fees and things fees fees is from late payments well we've missed some payments on that one that was like last year we missed some payments on it we were having some issues where people were getting into our cards very regularly.

54:09They were getting into our debit cards. We were constantly having to switch those over to new cards. What was happening? How were people getting into your f***ing accounts? Well, we would go out to eat and then someone would get our card number. Constantly? Constantly. The Zaxby's right next to my workplace has my card information like four people. It's happened multiple times after going to Zaxby's of all places. Well, it's because you went to f***ing Zaxby's. They're right next to my work. I don't have to drive anywhere. So is anything else on this card? I mean, there were no purchases, but are there subscriptions or anything?

54:43No, not on that one. 18 % interest, right? It's better than the other ones, at least.

54:53Yeah, sure. It doesn't really matter, though. Okay, Capital One Saver card. That is husband's as well. Do you ever look over them? Yes, we look over each other's. That's a newer thing we're doing But you don't assign where spending can go Well we're working on reeling that in And figuring that out That's what the weekly check ins are for Is for like hey like we have assigned ourselves this fun money For like going out to eat You guys think you can have fun money I mean we're trying to use that as like When we don't take lunch to work We use the fun money Why don't you take lunch to work There's some days where we just don't have time to cook And we're going to jobs We do We meal prep regularly every like Sunday night There should be no issue then That boy eats That boy eats Put him on a diet I don't know What are you talking about It's bulking season So that boy is eating So like a pint of ice cream a day It's insane Then meal prep the We meal prep But like we just don't always get to get back to the Sunday routine Sometimes there's like extra homework and things That just throws off our week And then yeah Actively in school He's going for a PhD Oh fuck I thought he wasn't in it No actively in school Plus, like, I don't cook, so that's...

56:07How the f***ing cook? Use the cookbook that comes with a budget nap. It's so easy. I just literally don't know how to cook. Follow the instructions. I don't think... Like, I burn water. Dude, you're f***ing... And can't be allowed to operate a car if you can't boil water. Like, I don't know what to tell you. If you can't figure out how to f***ing use a stove, I don't want you around a multi-ton vehicle. I mean, I can cook like your most simple, basic things, but I can't cook a whole meal. Like, I'm out of here with like a balanced diet if I'm cooking for myself. I'm making every other night. Excuse, excuse, excuse.

56:41You're never going to do anything in your life. Rinse takes your laundry and hand delivers it to your door, expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you 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 The$90.10 of purchases on here With$23.14 of interest You okay with it? It's your security system in Spotify Makes sense But why is it on a card that has accruing interest that we are not paying off?

57:30Because I can't confidently move these things to my debit card Because I still have to pay my credit card payments And at the end of every budget I still come out at zero You can't afford these things Can't afford the 715 going out to eat If you're not confident enough to put your subscriptions that you need In your checking account You can't afford going out to eat then This is pretty basic This is from my birthday. Like, this was, like, me going out for my birthday. Yeah, ADT. That's from my birthday. Well, the ADT's not my birthday, but, like, the going out to eat, that was, like, from my birthday.

58:04Like, I went out with a couple different groups of people for my birthday. The rest of my year, I will never understand. I can't, I can't, I can't, I can't get there. I can't get there. I'll never understand. I mean, I had groups of friends. They wanted to do things. I wanted to do things. Oh, my f*** man. You know, like, it's not something I'm, like, planning on doing every single month.

58:2629.7 for 4 % interest rate. Quicksilver. So that actually used to be a Walmart card. There's so much to go through. Okay,$1 ,882.02. So that was a Walmart card. That wasn't always a Quicksilver. They just recently switched that over. And there's fees. There are fees. I told you they got into my card. I had to switch everything around. I messed up a couple of them. I'm taking the L on that one. That was for groceries. There were some times where we just couldn't afford groceries. $47 of interest,$39 of fees,$49.15 of purchases. I don't even know. Also, another 11 years to pay off. No, it was for the vet.

59:17Yes. So we have five pets. We have pet insurance on all of them. Where are they? Cats, dogs? So I have four cats and a dog. and then the pet insurance one of them comes out of there the rest of them come out on another one and we're slowly switching them over to our debit card so I think I have like two of them on my debit card right now and then yes it's a pass due fee I messed up I've got the cards in right order now we should be good but I don't believe that you'll be good you paid off that three times look where you are all your excuses This time I'm working on it though. This time I'm working for it.

59:58That requires so much trust that I do not have based on your life experiences, based on what you have done, based on what you've brought here and the actions in the most recent month. How the fuck can I just walk away and be like, okay, you're right, you're just working on it. That doesn't make sense. That is not how this is going to work. I splurged one month. I'm not going to splurge every month. You can't take a statement without having to have a... But. Well, I want to give you the explanation for it. Your explanation's stupid. 28.99 % interest rate. Regular capital one. So that one's mine.

1:00:35That was my second credit card ever. $785 ,084 with your household income. Should be able to just get taken care of like that. Minimum monthly payment was made. I'd love that. $18. What? I would love to do it like that. Then do it. Okay. You purchase that much going out to eat almost. you could have maybe next month I will I'm trying not to hit you with the butts that you were asking me to stop using six twenty six dollars a month is your minimum payment with 18.51 cents of interest what's up with this card well with this card I'm paying more than the minimum I'm paying 50 a month on it trying to get it down a little quicker so that I can just pay it in a lump sum here soon with this one it was my second ever credit card it was originally for school books and things like that.

1:01:21I was using it to pay off with the reimbursement checks and then it slowly became clothes shopping. Surprise, surprise. I know. See, it's not f***ing work. You can't blame it on that. That wasn't your past work. It's not your current work. Takedo! Takedo! Takedo! There's a YouTube membership right here too! Whose YouTube membership are you possibly subscribing to? I'm actually a Hammer Elite member. Oh, okay. The one where you get to see brand new content every single day, access to two exclusive financial audits every single month, and access to our official brand new call-in show, Hammer It Out!

1:01:56Weekly live streams. You ready? I'm so scared! I'm so scared! I'm so scared! And extra behind-the-scenes content? Are you really doing an ad read? Well, Hammer Elite is the number one YouTube membership community with over thousands of hours of content. It's literally all I watch when I get home from work. Make sure to join Hammer Elite now for the biggest membership content library on YouTube. See you inside.

1:02:22It's not my current work. My past work did get me in a really bad headspace with buying clothes, and I'm recovering from that. I have a lot of addiction tendencies. I don't think it was the work. I think it was the people around you. Probably. I have a lot of addiction tendencies. Shopping is not my only one. I also like to smoke and things like that. You what? I also like to smoke. I vape. It's not the only addiction I have in my life. So with some therapy, we're overcoming some addictions and... Maybe, but also no, because that hasn't changed. You just did the goodwill of f***ing hounds and you're vaping now.

1:02:53Well, that was on a vacation situation. Oh my gosh, there's no f***ing... Oh, I can't even... I don't know how to describe you. It's just like, you just say incorrect information and then you're just like, but, and then it's okay. It's okay, I'm going to have a little excuse that excuses all of it. I feel like if I can justify it, then it's going to be okay. Okay. So I look for a justification. So you can do anything on vacation? I mean, I can't just do anything. Then why does that make it okay? Well, if I can justify it, then it is okay. You're only justifying it because you're on vacation. Yeah, like I'm not going to, there's no goodwill been at home.

1:03:28It's not like I can do this every other day. Like it was an experience. It was something that I've never done before, never seen before. Can't have Oklahoma fucking heroin every day. Exactly. You know, like. So that would be okay. Well, not heroin. and heroin's god-awful for you. I've seen some effects of some pretty heavy drug use. Like, that's not something I'm trying to go down. I'm trying to handle these, like, tiny addictions now so I don't end up down that road. Tiny addictions, you're$80 ,000 in bad debt, and you can't make the payment of the four major things we talked about. Your addictions have led you down that road, and you're not actually changing them.

1:03:59You're one of the people that's, like, in therapy, and you think because you're in therapy you're changing, but you're not putting in the actual action that's required to change. I only recently started therapy. so and that's what's even gotten me on the kick I don't think you're capable of having a reasonable conversation 26.74 % interest rate okay Firestone classic so we had some car issues come up yeah well you know there's some traveling for military schools you know going to Missouri and things like that and one of the guys in the unit got stuck in a ditch and my husband decided to try to help him out of the ditch tore up the back axle on the old car completely shredded it up.

1:04:41Fuck me, it's three now. Three. I told you I had that little hiccup. I've heard. But then, of course, we went on that other credit card and it was a couple months in a row. So not just a little hiccup. I mean, I can't justify it anymore. You don't want to hear the justifications. No sh**. So$32 a month normally, I want a real answer. I want acceptance. It's not about having to justify. $768.57 to balance on here. So again, fees, interest. What is up with this card? This card is getting paid down actively. We're not spending on it. We don't have any major car repairs coming up. We're doing regular maintenance on our cars to avoid this card ever being used again.

1:05:31It's getting paid down, by the way. Payment,$0. Okay, so it was the friend. What was the purchase? How much was it and when? We maxed it out. They couldn't purchase? So it messed up our car, not their car. Oh, sorry. So we had to repair our car. There was no insurance to assist with it because it was like a voluntary trying to help somebody else out of a situation instead of waiting on like a tow truck out in the middle of nowhere. So with that, it messed up our car. We had to pay for that on our own. opened up the Firestone card because we didn't have an emergency fund. We didn't have any savings at the time.

1:06:06Put it on there. 28.8 % interest rate. I'm trying to pay it down. When was it? This was like two years ago. Okay, come on. I mean, this wasn't too terribly long ago, but it was like almost two grand worth of car work. Emergency fund instead of fun. That'd be nice. For things like this, that'd be nice. You would have had it. If you prioritized it, you didn't. You didn't put in the action. You think things just happen. You think they just come Okay Nissan Nissan Rogue Sport Yeah so that is our new car You have a new car and we're talking about all this Not by choice What do you mean not by choice It was just nice to get the price you did I wouldn't even say that Price of the car I would You probably went to what two dealerships max No I went to four Four dealerships I was going to be like four in town Go to the next town So with that, about October, husband works at a bar, is coming home around 5, 6 a.m.

1:07:08from the bar, gets into a hit-and-run accident, totals our vehicle. Did you have insurance? Did you have gap insurance? We had insurance. We did not have gap insurance. Our insurance denied our claim, so there was no money coming out of it. I've gotten in touch with an insurance lawyer, and I have still yet to get a solid answer on any of that. Our insurance should have covered it. They are not. They're denying all of our claims. I've been actively trying to fight with them. They say that our insurance doesn't cover the fact that it was a hit and run and we got no plates or anything on the person.

1:07:35There's no cameras or anything there. People just rolled up to the scene to a flipped vehicle. So there was nothing there to help us with our case. Well, it's around$15 ,000 it's worth. So originally the car was$12 ,000 when we bought it. Did it roll over? Well, no, we ended up just taking the savings that we did have and paying off my car, which there was only about$3 ,500 owed on my car so that we could take out another car loan. So I got this car under the assumption that it was like$12 ,000, and then I got a bill for$22 ,000. What the f*** are you talking about? I'd also like to know because I've gone down to the dealership.

1:08:12I've called the bank. I've even gotten in touch with a lawyer because there's paperwork with my name on it with incorrect numbers on it. Well, there you go. Then getting in touch with a lawyer, but I'm also having a hard time believing you know what's actually happening. I have been on the phone nonstop with these people. I've gone down there. The original paperwork that I'm sent home with even says$12 ,000. And everything that the bank has says$22 ,000 on it. Did you bring that paperwork? I even took it to the lawyer. No, did you bring it here? Did I bring it here? No, I did not bring it here.

1:08:38Why? Well, I was traveling to see friends and things like that. That was the last thing on my mind. Okay. So how much did you put down on the car? We put$1 ,500 down on the car. Okay, so you guys had an extra$1 ,500. That pretty much wiped everything from our bank account. I'm being told you had to ask friends and family For help to put down money Yes So we paid off my card So if I didn't know that Because I have people in my corner here You would have just lied And allowed that to just coast Was it a lie? Because you didn't ask I asked how much did you put down And I told you I put down 15 And I said So you had 15 ,000 dollars And it wiped our bank account after I dropped it in You were given money We did a GoFundMe See that it's different.

1:09:25I see. This is why I cannot trust you. I can't trust you with that price tag of the car and the contract and stuff. Look how you look. If I don't ask a very specific, it's like, it's like if, if he ever wants to know if you've cheated on him, he has to like ask if you've cheated in a certain sexual position with a very specific individual person for you to say yes. No. That would be the only way for you to admit something. You have to have, like, it has to be the absolute. Well I'm trying to answer your questions I'm trying not to justify things Because you don't want justifications That's not justification What are you talking about You just said yes But that was wrong It was from other people Well a thousand of it was mine $500 was crowdsourced And then the$3 ,500 That I paid on my car was from me

1:10:26Okay. Gosh, this is so hard to trust anything you say. What is the interest rate on this? Like 8%. It's 8.3. It's not good. It's not keeping up with the market. No. Then you have a depreciating asset, one that you're already like$7 ,000 in negative equity. Regular payment, 351, 63. These are stacking up. These payments are stacking up.

1:10:55CarMax, is this for a different one? So that's for the Jeep. That's for the total car. Because we didn't have gap insurance, so I still owe on that one. So it wasn't rolled over, okay. No. It's two individuals. Okay, minimum monthly payment, four, sorry, minimum monthly payment, $344.39, with a balance of$8 ,423, and 22 cents. Okay. Interesting, 9%, so it's even worse. Neither one of us necessarily wanted to spend the money on this car the way we did. We were going to look into refinancing it the year that we totaled it. Well, now you have to pay something $8 ,423 for something that has nothing.

1:11:41And we tried to see if we could take that car and sell it for parts or anything like that and it would actually be more expensive to even just get it out of the lot. It is completely totaled. Scraps? I mean, we tried. It's more expensive to get it out of the lot to sell it for scraps than what we would make on scraps. Where is it? It's in a junkyard in town. Oh, jeez. Yeah. So we tried to because we were going to take that and just put some of that extra towards it, but it costs more to even do that. Okay, well, this one I feel bad about. I don't know about the insurance thing. I think, obviously, I would recommend looking into that more.

1:12:14This is the first one that I feel like sympathy over because the rest have been you. This, I mean, this was a stupid debt probably. but the car no longer being here, that was less your fault. Okay, student loans. Instead of adding all these stuff individually, I did see it was like. I think it's like$13 ,000. Yeah,$13 ,006. So what's up with the payment status of these? So I was on the save plan. That's no longer a thing. So they sent me an email saying that I had four months of back payment and they were going to start garnishing my wages if I didn't just pay it. Back payment? Really? I went through and I paid the four months of back payment.

1:12:52I tried to pull. How much was that? It was about$500. So it's about$130 a month here going forward. So$130, okay. And they're probably all relatively meh interest rate. It's like 4 % or 5%. Yeah, they're not super duper high. I think they're like a 3.5%. We could probably minimum payments until those are paid off. Is there seriously still more? My f***. This is insane. Okay, so you got$13 ,000 in student loans. That's actually not horrible. It's certainly below the median. Did you graduate? So I have an associate's in arts I have an associate's in business management And a bachelor's in accounting Oh, okay A bachelor in accounting We can't figure out how to budget Okay So accounting was not my field It was not my thing I strictly glided past I glided past my C's get degrees So glided past my classes It was not a field I was going to work in I admitted that to myself I admitted that to my husband Yeah, I mean you managed to You suffer just 20 bucks an hour essentially It is not the field for me Okay If you ever want to change things, obviously I can gift you a course career certification of your choice.

1:13:53That helps boost a resume, change careers. A lot of people in the audience have used it. Okay.

1:14:02Four months of back pay. That's brutal. I was not aware of that, and I've got to look more into that. If all the people that have been on our show that had saved, do they have all these back pays all of a sudden? They just sent me the email last month when I was sending you all of this even, and I never even got the notifications that I was past due. You didn't even need a degree. What are you trying to do for a career path? Because you're not making as much as you definitely could be. So that is something I'm trying to actively figure out right now. You don't know. I genuinely really don't. You don't have a desire for anything?

1:14:29I'm leaning really into the graphic design field. It's kind of a combination of what I've been doing now in my current job. And so I'd like to look into getting more into that. I'm just not prioritizing my schooling or going back to school since husband is actively in school. so but with the idea of having to move soon that is becoming a little more terrifying because there's no guarantee i can just find another tattoo shop to work out oh this is the mortgage okay so what's owed on the mortgage 260 ,446 and 30 cents okay i don't want the internet to see and zillow is not uber accurate but it's going to give us at least something to work with And we have added a fence to our house, so that did increase some property value.

1:15:19Yeah, we'll see. I mean, I don't know. It's not a ton, but it did a little something. I'm going to have you look it up on my phone while this comes back. All right, type in your address. Yes.

1:15:34mortgage payment is$1 ,619.95. So it thinks it's better than you said. Now it is quite generous typically. Okay. But it suggests that you have an equity position

1:15:58about 68 ,000 so i think listen even if you do have to sell for a little lower than this i think you will walk away with money okay i think you'll probably walk away with 20 to 30 in cash okay all goes well because a lot of people are having to drop prices these days don't just don't try to over over ask that's what a lot of sellers are f***ing themselves with and then they're on the market forever then people are like why is it on the market forever psychologically things get involved and then people are like, I'm not going to bid on this house. It's been on the market forever. Yeah, that's fair.

1:16:28Yeah. Okay. Is that all the debt? Yes. That is one, two, three, four, five, six, seven, eight, nine, 10, 11, 12 debts. 12 debts. Student loans being something that could increase our value. You're not really utilizing that. And the house is obviously something that has helped. And we probably We made the right decision going into the housing position that you did. So one good debt, essentially. One good debt. In this checking account,$182. ATM withdraw,$140. Who knows where that went? Went to a restaurant, Apple bill, Target. Then we went out$15, Prime Video, Bojangles. I was hungry. Mm-hmm. Coffee.

1:17:21Got some BS. Prime Video. Marco's Pizza. Black Mountain. Snapchat? The f*** is paying for Snapchat? Who is paying for Snapchat? You guys! It was a cheap one. It was like restoring a f***ing streak. Oh, Jesus. That was my husband. What a man. I know. Restoring a snap. Oh, it f***ing... Oh! It continues so much! Look at this. It's all bulls**t. Yeah, that's why the spending's crazy at the beginning. We didn't see it until now. ATM fee. ATM withdrawal. 123. Apatheka. Apatheka. That's a vape shop. Oh, f***ing just wonderful. Just absolutely fantastic. Cinema. Cinema. Restaurant. Hulu. Amazon. Amazon.

1:18:12Pike Place, I think, Teswell. Oh, that's parking. We have to pay to park, so we didn't get a parking pass this year. Yeah, we didn't get a parking pass this year. It's expensive. Shake of Vera. Delicious. Yamato, Bloom Shop, Blom Shop, Nail Spa, Bird App, Bird App, Westo, McDonald's, Cinebear, Barnes & Noble, Drake's, Thrift Books, Regal. The parking and the other stuff is going to start coming off. that$140 was for an electric scooter so we can park in the free parking, which is about 30, 45-minute walk away, and we now have a scooter that we own that we don't have to pay any extra for to get there for free parking.

1:18:56Taco Bell, Smoke Shop, Thrift, books, more books. Just listen. Library's for now. No, the Thrift books were for textbooks. The Thrift books was textbooks. Okay. That was textbooks. Barnes & Noble, that was me having fun for my birthday. Journeys, was that for textbooks? Oh, I can't give you so much. I can't choose for my birthday. Amazon, ATM Patrol,$300. Amazon Retta Tommy Tent Scruffy City Tazewell Pike Place Amazon Zaxby's Retta Going in getting some BS Venmo out Watson's e-commerce Smoke Shop Ulta Krispy Kreme Chick-fil-A Victoria's Secret Come on Come on That's when I took myself out For my birthday Come on Fuck your birthday I don't give a fuck It was 26 Doesn't even matter I know It's nothing But this is like the first year I've had like a group of friends Shut the f*** up.

1:19:43I don't care. It doesn't matter. Celebrate that when you're out of f***ing debt. When you can do the things you want to do, including pay the f***ing IRS, then you can have a birthday month. Out of loud, a birthday. Cash app out. Tommy's tent. Ah! It f***ing does not stop. Preservation. Preservation. McDonald's. Taco Bell. Bernadals. Preservation. Bernadals. Preservation. Netflix. Touring Club. Amazon. Oliver Hotel. Cash App. Watson Commerce. Going to get it to BS. Victoria's Secret again. Blom Shop. McKay used books. You're f***ing. Tommy's Trends. Tommy's Trends. Ulta. Something. Pike Place.

1:20:29Kindle. Stop it. Stop it. Stop it. Libraries. They're not all textbooks. They can't be. They're not all textbooks. Venmo. Okay. Other checking account. $172. BS. Sonic driving, vaping, vaping. The amount you guys spend on vaping is insane. Absolute f***ing insane. Subscription, Arby's, use books. Yeah, f***. And then a maintenance fee because you didn't have enough money in there because you got it all on vaping and books. You just vape and read. Vape and read while getting your stupid bull. Can you sell your books? Use books? Yes, I actually can sell this. What do you have, like, worth? Your collection.

1:21:06Probably between the two of us, like$6 ,000 in books. Sell them! Okay. You can get them back again. I don't know how it would cost money, but... I can... Get out of debt. $27 in this account. You went in and got some bull... Oh! Old Europe. Smoke shop. Chick-fil-A. Use porcs. Chick-fil-A!

1:21:29Waggles. Wiggles. TikTok shop. TikTok fucking shop. $63. Hey, that was a cat tree. That was actually a really good deal on a cat tree. Congratulations. Your cat can fucking climb up a couch. I don't give a fuck. You're in debt. Chick-fil-A. Use books. Chick-fil-A. Oh, sorry. I already did that one. Okay. Chick-fil-A. Something pop up. Use books. $101. You do not read that quick. I read 200 books a year on average. That's great. I started picking up reading this year too, and I'm piling through books, but you are not reading them that fast. Listen, I've seen like, what,$300 of books purchases in a month?

1:22:03It's not just me. My husband is also a fast reader. My husband also has to read a lot for school. These are not for school though. not all of them. Not all of them. Come on. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list, even those who are hard to shop for. Toys and jewelry, to new beauty brands and styles, these gifts go seamlessly from our stores to under your tree. Seriously, Lastly, with these savings, why shop anywhere else?

1:22:40Burlington Deals Brands Wow. $5 in this account? What is this? Oh, savings. We don't use that as a savings account. That's just the automatic one. What is this,$13 ,000? That is our savings account that has the money for the surgery. Oh. And the extra money that I wanted to have for post-surgery recovery in case anything comes up. This is a change. Yeah. This is a positive change. After a mountain of death. 23 cents okay so 13 ,014 dollars 23 cents

1:23:14what did it start at it went up i'm trying i'm surprised i'm trying to save money 200 hours in retirement okay that's not great obviously the disability that's gonna last forever

1:23:30okay so you think i'd say 8 ,500 hits your account hopefully when the hours go up that's better debt payments not including mortgage. We just got the hour increase this week actually so that will be going up. $161 debt payments $1 ,614.59. Not including mortgage. Mortgage$1 ,619.95. That did increase$50 because of taxes. So it went$50 this year. forever okay utilities utilities um it's 25 for water it's uh 118 for internet it's that's expensive about 200 for kub which is lights and electric um those are the big ones okay 343 gas room from drive drive both uh for both of us it's about 80 a month phone bill uh phone bill is about 150 a month car insurances uh that is 1300 every six months and that'll be coming out in another month we gotta save for so every six every six so 217 is what we budget to save them for it$600 for food should be fine to be fun anything else needed survive we'll do 150 should be good medical health expenses monthly basis about$300 really yes so I host everything everything I am not covered on the VA's insurance.

1:25:03Pet insurance? Pet insurance. It's$35 per pet and I have five pets, so about$180. $175. Okay, pet food? That's about$200 for absolutely everything the pets need every month. Including pet insurance? No, that is like litter, food for both of them. That's$90 for both of us every month. $90 together? Yes. Okay. Anything else that needs to be in your budget that I have not put in your budget? Oh, we have trash every six months. That's$200. I'm sorry. Oh, that's fine. You have an extra... Come on. Listen, I'll give you$300 for fun and you still have an extra f***ing... Let's just call it$2 ,500 and the rest can be budgeted for fun.

1:25:49I mean, come on. This is$5 ,539 to survive on a monthly basis. This is so stupid. There's no reason to be in this debt. Not at all. and that pisses me off more than the people that are you know struggling you're not even struggling this is all choice this is all choice okay 71 ,092.94 of bad debt divided by 2 ,500 gonna take 28 months two years caught another six months after that to get a fully funded emergency fund it's fine listen i know we have to include that extra 8 000 for the surgery but you already can cash flow with that 13 and savings and you already have what is necessary for that longevity so we don't even have the budget in that but budget in the move obviously but you're going to get to sell the home but that's probably after move so you're probably going to subsidize or you're probably going to essentially budget in here probably not paying off that for a couple months to pay for the move and then take the lump sum from the selling to the house and throw it towards debt only if i don't want to repeat it for the fourth time now you actually change your behavior you're just a simpler this is so stupid this is all behavioral there is nothing else here this is all behavioral you can pay off debt you shouldn't even be in debt this is so silly and we'll call oh i'm gonna call the husband in the post show because this is ridiculous this is ridiculous i need to talk to him this is crazy what is there's a it's just upsetting you have so much money left over this is all personal choice birthday months that's what's more important spending a budget you ever spent zero out of ten debt even on you have to go well nothing in collections oh the IRS thing's coming up you can budget that into let's say three years being conservative it takes to pay off all this his income is gonna go down a little too so let's call it three years you can still do it budgeting these different things okay debt pretty still bad for the income 70 ,000 but yeah one out of ten emergency fund.

1:27:52Technically you have it, but it is going towards something else coming up soon, but I will give you 2 out of 10 just for the savings of it in general. Retirement fund. Retirement is nothing. 1 out of 10. Real estate. Real estate is actually pretty good. What's the interest rate on that? 3 %? Yeah, I'm happy with this house. 8 out of 10. Should be good. There is still debt though, which is always no matter what, a risk, even if It's a low risk. Hammer financial score rounded up 2.5 out of 10. We're going to call the husband. We're going to see what kind of things come out of that conversation, but he needs to be confronted about the situation.

1:28:30We need to get his perspective on this. So make sure you join Hammer Elite below. And you can take all of our programs bundled together for 15 % off also below and make sure you download the Simpler Budget app. I'll see you in the post show. To be clear, with all this conversation that we've talked about, you are the one that deals with the household finances and he's not involved at all? And now he's starting to get involved a little? Is it because he can't trust you? He's never had to really manage any finance. That's exactly why he's getting involved. Okay, let's call him. Let's call him. Let's call him.

1:28:58Mr. Husband, hello. To watch the Financial Audit post show, click the Join button below.