The Dumbest Couple I’ve Ever Met | Financial Audit

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32:56That's the borrow function for Cash App. So you do this? We both do it. That one you're looking at? Perfect. Perfect match. That one you're looking at is mine. My current one. Okay. Because we... Connor Cash App. We've gotten into a problem of... A cycle. Not a cycle. A problem. A cycle of... Of course. Pay the borrow. Oh, yeah. Take from the borrow. pay the borrow, take from the borrow, back and forth. Yeah, I mean, it's because you guys also make like pangs on the dollar. Yeah, so you also just don't work very many hours. So the Oklahoma City area, right? Mm-hmm. Now I will say, for my job at least, I'm training front and back of house.

33:43The back of house training, I'm getting out of dishwashing and going to line cook. Line cook makes about$16.50. Median hourly wage in Oklahoma City is$21.17. As of last year. For a dishwasher? No. Just in general. So you both are making decently under the median hourly wage, which anytime you're getting under the median hourly wage together as a household, things are going to be a struggle. And I'm not surprised that you guys are in this cycle of just essentially like payday loan cycles. Essentially you're cash at payday loaning. we think in any way whatsoever that it's okay to take from savings if we're payday loan shuffling no and what are you even getting uh what are you even like doing with the money that you get i mean the median household income in oklahoma city 67 963 you guys are dramatically under that 67 67 yeah and that's incorporating uh those younger people because once you get over the age of 45 the median in oklahoma city is 81 000 per household we need to start really thinking about our income a lot of times there's a lot of spending problems and trust me there are in here too that we'll go through but you we really need to start thinking about our income situation what we want to do luckily i mean i can get you guys both course career certifications you can do things like accounting even trades now and tech certifications it's up to you guys if you guys want to use that to try to start looking for something a little better or boost your resume definitely feel free but i do ultimately want to do cosmetology okay but i know that i can't i'm not like apply for schooling until i get our finances under control there's the price of schooling there's also the fact that it takes a while to make decent money in that industry it really does compared to many industries and then also like it's like hours weird hours worth of yeah schooling it's my older sister's currently in school for esthetician and it's like half of what it takes for full cosmetology yeah and they struggle too i used to do schooling for cosmo how are you guys you guys like the same person so for the school for cosmo that was actually free because my uh the trade school i went to if you go to a school within their district they will cover your entire entire tuition after you graduate up until you're 21 okay so i decided to do cosmetology well i went through the first half of the first semester once the second half of the first semester came around, I started living in my car.

36:29So I, this was like two, three years back though. So it has nothing to play with what you're looking at right now. Oh, well, how much do you owe on this? On this cash at borrow? On that cash at borrow?

36:45What did you pull? I pulled. You have 80 left to borrow. How much is owed? What's your total available? 175. 175. So 175 minus 80. That's about 95. $21 payments. Do you know what you're spending it on? I know today's was. I'll tell you. VR.

37:10Tatas in the virtual space. No, that's not what the. Some meta. Zuck.

37:22no that's a that's a different statement that's not what it's in the cash app in general though wow how much does vr first of all how does what is it what is it even like i wouldn't know it's his vr interesting it's different it's like pov extreme Why virtual reality when reality reality is right next to you? That's a good question I ask him the same thing And how often do you Is it a per time thing? Or are you buying a situation? It's a subscription And what is it? It's a yearly subscription How much? 99 and it just like shows like people doing things to you or something you doing things to other people so it's like POV you're Lauren Phillips or POV you're doing this you actually know a name a name not that I don't watch anything but I don't know anyone's name yeah do you have an addiction we need to talk about not anymore because I canceled those subscriptions because it was a...

38:46You canceled the VR one? Yeah, they were impulse purchases. I bought them, used them once, and then have it like... Can someone charge my meta headset, please?

39:00He'll know the website's for you. That's pretty wild, though, of a purchase in general. That's wild. It's interesting. it's the first one first time that's happened so congratulations i think um you seem more how do you feel i do because i'm i am it's just like what is it but how do you feel like spending money on when he told me he spent money on my literal my reaction was why are you spending money on when you could go to pub and watch it for free oh that's right you guys don't live in Texas. I don't like Okay, so we're... There are other free sites that you can use. The reason I say I don't like is just because you're an example.

39:52It's a bad example. I know. Whatever. Videos, whatever you use. Oh my gosh, you guys know all the sites.

40:04Jake suggests aficionados. Aficionados? I haven't heard of that one. either jake or claire i'm just assuming jake oh he says you guys are aficionados not to go okay all right some professional gunners over here so so far i believe what that borrow is is for our drive up here for gas At least you guys get reimbursed on that, but that's silly. And then is this yours? Yeah. Wait, is this$0 available to borrow? So that means yours is maxed out. Yeah. With$26 payments. Every what? Month. Month? No. No, those are the repay dates. Upcoming. We don't even know what she owes. That's when you have to repay them.

40:59But I always repay it with my next check. So you owe the total$175. That's insane, guys. We cannot be living. cash that bar to cash that borrow that's crazy and the fact that if 175 is a make or break for our life we've done life wrong listen some people are in unfortunate situations some people are in emergencies some people are in bad situations that are hard to get out of and i absolutely get that but i know what you guys make and it's not a substantial amount of income for the area but i know for a fact 175 should not be a make or break for your entire life it shouldn't be there are behavioral issues here to unlock definitely definitely adhd type purchases oh what the what that clinically diagnosed no i'm not he is i am clinically diagnosed uh bpd1 adhd okay have you seen someone to manage the coping skills around this yes so that it doesn't immediately go to let's our entire financial future and my future wife's financial future i have and then It's not just about...

42:03I have a psychiatrist. I see her about once every three months because... Affordability issues? No. It's just like I feel like things are going well and I don't need to talk much about it. Are they? Financially, no. Mentally, yes. But... He's stable. I'm stable. It could be better. I keep telling him he needs to get back into his therapy sessions weekly. I just realized you're a member. I appreciate everyone being members. You can't afford your membership. I'll see if I can gift you a membership. I'll see because I don't know how it works on this platform. I'll see if we can gift you a membership, but I wouldn't want people to go into debt to be a member or hold themselves back because don't do that.

42:51I appreciate everyone who is a member. It helps fund what we're trying to do here at this channel. We have a lot of different shows there and member streams, but don't do it. We'll see if we can gift you one. Okay. let's look into that please naughty naughty okay alright let's keep going credit karma a closed discover card what is this? that's mine collections? or is it just closed for now? I think they just closed it because in the collections it's two other purchases you have collections? yes they're like two separate why are you having collections at 23 this is so young for this first of all you guys are not credit card people please never open a credit card please stop with the cash app thing use charge cards like a fizz card if you're ever going to use one so you're forced to pay it but even that I don't know if I trust you so that was a secure card for only 200 so I could not spend more than 200 dollars it's a 212 interest that's the interest and it was because Because at the time, I could easily pay back that$200 with one paycheck because I was at Taco Bell.

44:03And then why are we not paying it now? Because, again,$200 should not be a make or break for your entire life. This has to be months of not paying for it to be closed like that. When we got together, he didn't want me using it because I had no self-control with it. Sure, I get that, but why not pay it? I forgot I had a balance on it. How do we forget? How do we forget? How do we just like, what? You don't have the app? I do but my phone There was no automated payments? No there was no automated payments So when you locked it you weren't like Oh here's this card that's fully paid off? No it was Give me the card we're putting it in the lockbox It's been in the lockbox for about a year now Okay so what is this credit Okay well Okay here's two collections from you I don't know what the Kane and Weiner are Kane and Weiner is.

44:56Well, Kane and Weiner is the agency that's trying to get it. But you don't know where it's from? Who sold it to them? No. I don't know where either of those came from. We have$221. You haven't been... You're saying there's been no bills you've missed. Electricity. There's been no rent ever that you've missed. There's been no financing thing you've ever done. No cards. What? Yeah, from before you and I met. Oh, back with... me and my ex. Yeah. Collections, they can only be on here. He was supposed to have paid that. But it wasn't in my name. Okay. Well, then it's your responsibility. But that's mine.

45:35Why haven't you paid them in so long? Because I haven't gotten any bills or anything from them. But it's hurting your credit. The only bill I get right now is from an access medical center because I owe$10. And I just need to go down the street and pay it. Why haven't you gone down the street and paid it? we need to have a little bit of responsibility in our life i can't drive the car i'm not allowed to drive the car you can't walk why can't you drive she crashed my last one ah what the what do you mean so i was taking one of my co-workers home and i was at a stop sign and i had looked both ways and proceeded to go when it was clear and then some kid comes flying out of nowhere and slanted it in the front.

46:25Well, it sounds like it wasn't her fault. It wasn't, but insurance claimed it was. Because there was no proof. Dash cam, friendos. We have dash cam now. Yeah. There was no proof that he was speeding and I had the stop sign. You can't walk down the street to pay it? Bike? I do have a bike. We have two bikes. There you go. How long have you owed$10? Are you kidding me? Like a month. Are you kidding me? We need, I feel like, okay. we have I can't speak for the rest of your life and I'm not going to assume the rest of your life but we at least have the financial management of 14 year olds right now I just need a little maturity here a little effort a little responsibility$10 pay it I was actually more financially responsible as a 14 year old it was when I moved out that money became an issue he buys just like a 14 year old who just discovered what it is

47:22like before i moved out i had 900 in savings that i didn't touch i think it was uh having that adult here adult style thing above our heads telling us i don't know what happened you think so i can make 20 last two weeks in high school but yeah but you Living in a more protected, coddled environment. With rules and people who wanted to know where you were. Different life. And now you're managing it all on your own and we're seeing. To be fair, they did try to set me up for success. They tried having me do Financial Peace University. Oh, I'm not blaming them. I was stupid teenage kid. I was like, I don't need it.

48:11Yeah. and now I'm like okay maybe I needed it pay the ten dollars please that will get done what's your credit score I think it's like 469 that's insane whoa sorry I don't mean to like laugh at that that's crazy I thought it was 569 oh please be even that's horrendous but 469 would be insane they probably threw away that page uh because you know credit the credit cards have like a thousand pages but i can pull it up if it's if it's in the fours like i'm walking out into the middle of the highway can i join you yes you might want to once we go through this spending is that all the debt 92 oh he just died inside that's crazy I've been dead inside That's ridiculous Any other debt?

49:10Does the car have debt? The vehicle, the vroom vroom machine No I do It's fully paid off No, for this month because Insurance, he's not talking about insurance Are there any other debts? So before he and I met Before he and I met My ex best friend Convinced me to get a sugar daddy and so I went online found a guy he was sending me checks through email having me deposit it through email what the is that like cash app okay I asked if he had cash app he said no this was like a virtual sugar daddy situation yeah like over the phone type stuff and so I would deposit the checks he'd have me keep some and then use Cash App to send it to somebody else.

50:08How the f*** is that not screaming? How old were you? 21. How the f*** was that not screaming red flags in your head three years into adulthood? Sending money to another random person? I guess I'm just too trusting for my own good. Was it the f***ing validation from him? was it like so he didn't want any like pictures or anything like that other red flag yeah um he said he just wanted to talk somebody to talk to this was also late at night and i had not gone to bed yet there's like three four o 'clock in the morning yes men only want to talk after 10 p.m historically and um so then two days later my whole bank account gets frozen then they are like hey you owe like almost four thousand dollars oh wait how much were these checks coming in they were like checks um nine thousand nine hundred and how much were you supposed to send to the other person like 700 of it and you thought there was a random 700 tax to a random person?

51:26No, he said it was for his help. Did you ever see this FaceTime? No. He was sending me pictures through text. Did you never do the two, three, four finger rule? The heck is that? Show me a picture with three fingers holding up to prove it's you? I've never heard of that. How much have you guys dated around? Not very much, honestly. we actually met on tinder yeah but but we knew what you two were the sugar daddy no us two but we knew of each other in high school so like we had different only saw pictures of them what did he look like like this older gentleman like in his like 60s 70s did he ever send a voice note did it sound like this no

52:19but I did file a police report on it that's good but the bank said they can't do anything with the police report unless they actually catch the guy yeah and they won't but I don't want to repay that because it wasn't my fault but it was but repay it to who the bank the bank wants me to repay them that money because it's honestly because no offense but i almost think you should because i'm gonna be brutally honest this is this is not uh not the on you you're a very pleasant person and i like both of you but you were kind of the dumbest person i've ever heard of in that moment there were so many red flags and verifications you could have done and this is so sounds so weird and you used the bank's money to you almost should pay it back i'm kind of on the bank's side you're frauded i'm not on the on the side of like you should pay it because obviously you got but it's just like i get the bank's perspective because it was their money they got frauded too they probably have insurance to cover it though how how have those conversations gone with the bank so i went in to talk to them about it.

53:36I got the police report number and everything. And he can vouch for me because he was there with me for that conversation. But they're like, there's nothing we can do. You have to pay this back. Yeah. And if you can't pay them full, you can pay$50 increments until it's paid off completely. It is a federal credit. Every month? Every month. It's not the worst. The thing is, is your credit's already f***ing. This is just going to continue f***ing days. sell it off and i don't know if it's like a sell-off type thing though it's interesting they could go to maybe like small claims or something legally a little might not be worth their time and energy oh it's a credit union we'll see um it's a tinker federal credit union and uh as one of my producer who's worked with a credit union he's saying that it can really up your options for opening other bank accounts up going forward and that within itself oh oh i use cash app and then my work has one of their like prepaid cards so here's the thing i'm on your side i don't want you to repay it either but literally just for the sake of like existing in society it just might be the bullet we have to bite i agree you shouldn't have to pay it i don't want you to pay it an insurance or something should be covering it on their behalf some fraud thing this is why I kind of wish it was almost through a credit card instead but yeah I'm sorry that sucks gooned a little too close to the sun with that one yeah no more sending random money to people that we don't verify are real or ever hear the voice of yeah no I learned that lesson the hard way noted yes now I go through various things to actually make sure I'm sending it to the right person and it's an actual person.

55:30I'm sorry you went through that. That really sucks. Again, this might just be a bullet we have to bite so that you can operate in society. Bank accounts, they're important. You're gonna... We tried to get her signed up for my bank, the bank I use. Yeah, they said no. Oh, yeah, I bet. They're like, you have this$4 ,000 thing on here. And she's like... So how much do you owe again? I don't remember the exact number but it's close to like$4 ,000 that's crazy that's absolutely insane but we can do$50 increments and I think that's manageable, it's going to take forever to pay off does that come with interest?

56:09I don't think so I don't remember if they said anything about interest if that is the case you may as well at least get on it and then we can pay it off early because it's going to take 80 months which is way too long you know that's 6 and a half years, like why do that but it at least allows you to start get the ball rolling and then we can throw it into our overall debt payoff strategy. Okay? And I'm sorry, you guys. I really do. That's been this huge thing. It's one of those things where it's like, I want to almost set up a GoFundMe for that.

56:41But I just can't. I'm sorry. I can't. The main thing is, is I don't want people to come on with the hope or expectation. Right. No, I understand that. I honestly didn't think you would even think of something like that. I mean, you got f***ed. It absolutely sucks. I honestly figured it was. Let's do it. We're going to do a one-time thing for this. Since you got f***ed by some scam thing, this is going to be the only time I will ever do this. No expectation. If you come on, I will never do this again. But we're going to set up a GoFundMe. We're going to look into it. It's going to be near the top of the description or somewhere near the resources.

57:16If you want to, no obligation to, especially if you have debt. But we're going to do that and try to get her out of the 4 ,000 madness of insanity from that chaos. Yeah? Yeah. I appreciate that. Yeah, cool. Okay. Because this has, like, been looming over me to the point where I don't even want to go to the bank to – he had to force me to go to the bank to talk to them about it. Like, it gave me such anxiety. Yeah. I would just be filled with rage personally, even. Oh, I was pissed. Yeah, I still would be. I'm pissed on your behalf. That's why I'm willing to kind of break my rule on this. It's a rule I don't do.

57:52Because like I filed a police report. I took all the steps I needed to and the bank's still like, sorry. Yeah. I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Moo Moo, where they give you up to 15 free stocks and 8.1 % interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you 4.6 % on your money and up to$250 for signing up with my link.

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58:59You stopped at her store. You got like a snack or an energy drink. Amazon went inside, got a snack or energy drink. Vapor one. Oh, are we vaping? We're vaping. Both? Yeah. Guys, let's try to live beyond 40. Huh? Eight years in the hole. Oh my gosh, that's crazy. I'm so lucky. I was so close to the vape generation. So one vape lasts me like two months. I don't smoke it that much. And how long will your lungs last you? Who knows? He goes through the same size that I get in like a week, maybe two. How much does it cost each time? $20. $23. Okay. Every two weeks? Every two weeks. For him. So about$40 a month for me.

59:43So it's$598 a year on that. When, again, mind you, we're literally borrowing$175 every paycheck just to survive. You guys spent$100 together in vapes across that month. You guys can't afford to live right now. You owe the bank money from the scam. You're borrowing little micro payday loans. We have collections. I can't put this in your budget because, one, it's bad for you. Two, it's stupid for your budget. But it's so much easier said than done. You're just going to have to work on this. Hold each other accountable. Seek help. I know it's not like a type of addiction. I don't want to make it sound like it's that extreme, but it's, you know, not good for you.

1:00:31And we don't even know all the implications of vape for the lungs yet in the body. I used to smoke cigarettes. Well, I'm very glad you got off that. Definitely. He got off it because I'm allergic to cigarette smoke. Good. So I can't even smoke cigarettes. Good. Yeah, but I switched to vaping. I'd kick you guys out if you smelled like it. Nasty. But I think this is something you guys should just work on for each other and for yourself and for your families and for your dogs. Bad for your budget, bad for your health. Set up goals. Maybe we get the special prize for six months clean. Special prize.

1:01:10Year clean, that kind of thing. Just work on it. I can't put it in your budget. It would have to be a go X amount of time with one vape and then like cut the time back. Whatever you guys have to do. I'm not an expert in that, but that's. So lung cancer, Chick-fil-A, tipioca. So you're getting boba too. For her. I hate boba. The texture of the tapioca freaks me out. You can get it without the tapioca. You can get the tea. I don't like tea. He's a weirdo. And going inside from gas station, getting some drinks. So what are you getting? Because you're always getting like drinks and snacks. He's getting energy drinks.

1:01:46Monsters. Yeah, let's get diabetes while we're at it and kill our heart. McDonald's. Chick-fil-A. Going inside, getting some bulls**t. Lung cancer. There's the VR. McDonald's. Going inside, getting some bulls**t. Okay. Then yours. So this is your checking account. $95 to your name. Oh, boy. Subscription for music. Crunchyroll. Anime. I know what it is. I exist. And some bulls*** from the place you work at, probably. More bulls*** from there. So, it's groceries. Really? Just micro-dosing groceries? Yeah, we just grab it as we need it. Because I work at a grocery store. We don't let it build up to where we make a big purchase.

1:02:36We just grab it as we need it. That's interesting, because then you're f***ing going and door dashing, even though you're getting groceries. and we can't afford to live. That's a curious thing. Lung cancer. Bark box. Bark box. No. No, no, no. Get a little cheap toys if we need to here and there. So the thing with that was the cheap toys because we were getting them from Walmart for like five, six bucks. Okay, fine. Go to PetSmart. Get the indestructible. There's these indestructible things that I get for my big dogs that destroy things. It will last for a while. I forgot the brand. We went to Petco because there's more down the street from us.

1:03:14Yes, get antlers. Oh. They love them. Like actual antlers. Yeah. It's like basically impossible. I thought you were talking about like a store or something. So my aunt, she has a poodle and they got him this like massive bone. Yeah. And it was screwing with our dog's stomach. What kind of bone? It was. Cow femur? Yeah. It looked like it was a giant cow femur. Well, I don't know anything about that, but maybe try the antler because they really can't chew it. Like, it's like almost impossible. Like, you can't break it. So they're gnawing on it for like years. Huskies' stomachs are very sensitive.

1:03:50Okay. Both of our dogs are huskies. Talk to your vet. I don't know, but this is stupid. You can't afford it. And then same with the DoorDash. You paid for TikTok Live? You did not donate on a TikTok Live stream$3. I paid for some subscription. How about you donate to you guys being able to exist? for f***s sake are you kidding me Legos wow I didn't even know there was Legos when I made that joke earlier about a dog eating a Lego are you kidding me so that was for my second youngest cousin's birthday and me and my sister went in on it together and you can't afford it so I don't give a s*** I don't give a s*** if you have collections that would have paid off half of one of them happy birthday brother or cousin or nephew happy birthday cousin your cousin's getting out of debt so she can get married, huh?

1:04:37How about that? Then you're also paying for Snapchat. You're how that company is still surviving. I always wondered how. Huh? He's also paying for Snapchat. What the f*** is there to pay for? I pay the yearly 23 Snapchat premium. What do you get? I got it for dark mode. No, what? Literally for dark mode? Oh, that f***. They didn't have it on Android when I got Snap Premium. They didn't have it on Android. Just shut the f*** up. That's the stupidest thing I've ever heard in my life. Cancel that s***. Do not let it renew. Okay. DoorDash, DoorDash, that's dumb as f***. Come on. If there's anything dumber, like, you can go pick up food for almost half the price.

1:05:17If we're going to go out to eat what you shouldn't because you can't afford it because we're living payday loan to payday loan, but we're getting it delivered, no excuse to be lazy. I know there's only one car, and if that's the case and he's out and about, then go to the pantry and eat a dry noodle. door dash spotify you can listen to ads paramount plus nothing on there gyro gyro sorry i always say that cup bop what was that the gyro cup bop what is a cup bop it's korean barbecue in a cup okay cool absolutely put water in your cup drink it that's all you can afford door dash are you kidding me that's insane door dash 37 these prices are insane more door dash why do you have spotify and youtube music i don't have youtube music You got two YouTube music charges I shouldn't have YouTube music I didn't sign up for YouTube music I signed up for YouTube premium I use YouTube premium I love it Because you get YouTube music and YouTube premium Love it you had two YouTube music payments And Spotify So just take a look into it DoorDash again Petland Nintendo And then What is this?

1:06:30what is this? Whose checking account is this? That's mine. So you do have a checking account. That's the prepaid card from work. Oh my gosh. They use Skylight. It was either you. Cash app, cash app, cash app, withdraw. Taco Bell, Taco Bell, Amazon, cash app, cash app, cash app, cash app, cash app, cash app, cash app, cash app. I don't remember. The Amazon was, my card was on his Amazon and it threw me. You, the bank first loyal. Yeah. You started negative in your savings. If I'm reading that right, you started negative in your savings. I thought I started with the dollar on there. I'm seeing negative 89 cents.

1:07:15Oh, that was after they took out the dollar fee. That's what that is. That's why I started negative. Because I transferred two bucks over. That's a joke. That's a joke. I check an account$34. So two DoorDash things. Guys, what are you doing? Then you're waiting to get an energy drink. Then ramen. Oh my gosh, there's more. This is insane. You guys are ridiculous. How are you living like this? You're spending so much money. You have no money. You're micropayday loaning. You're going out to eat every meal. How are we doing this, guys? This cannot. Your future doesn't exist. Your wedding doesn't exist.

1:07:53Getting out of debt will never exist with the behavior that you guys are doing. to be very clear to be as clear as possible you're never getting out of debt with this ever the ramen is work you know because the funny part hilarious absolutely comical your guys's debt compared to people coming on the show is practically nothing yes you guys make lower than the median income in your area but also you do have income coming in that you can afford to do the fact that you guys have the debt have the collections are not making progress and are borrowing from mother-in-law it is all because you guys are just spending every day of your life on swipe swipe swipe swipe swipe swipe swipe this is ridiculous more ramen amazon cash app going inside getting energy during chick-fil-a cash app uh storage and cancer and there's premium and cash app cash at mcdonald's

1:08:54this is insane guys what are we doing reminder you spent at least 500 more than you made last month groceries because you did your little micro dosing of groceries was 2.5 to 5 percent of your spending but going out to eat was almost 12 percent Yeah, we really want to get out of debt. We really want to hit our goals, right? Miscellaneous bullshit, things that don't matter, just subscriptions and crap. Or not even subscriptions. Subscriptions is 2.3. Then miscellaneous bullshit is an additional 6.4 % of your spending. Other large purchases, 18.4. Let's see what those other large purchases were.

1:09:34It was cash apping out and ATM withdrawal. So the ATM withdrawal was because for a while we had to physically pay our electric bill at one of their little kiosk things Guys, this is insane I pay the loan through Cash App So a bunch of those like 105, 102's We would have added that to your debt payment then Now in hindsight The BS spending The miscellaneous BS spending and the going out to you spending was ridiculous the subscription itself is also ridiculous I think you guys are bringing in 4 ,000 hours a month net I would be surprised if it's less let me get your minimum debt payments here we're getting you on the$50 a month plan to the bank you're going to start that and then if the GoFundMe works if it doesn't it doesn't and then you pay Peacock annually as well which also is the office just over and over again is it still good Yeah.

1:10:33Isn't it like the same three plots over and over again? I just started watching it. Paramount, I don't really watch but my family does. I don't give a f***. Unless they're paying for it. It's my grandfather and my grandfather will give me rides to work a couple times a week whenever he's working the morning shifts. Alright. $199.36 in minimum payments. That's so manageable. What's your rent? $1 ,200 $1 ,200 For income it's a little hard You can fit it but you know You guys are lucky you have each other Water is incorporated in that Electric gas Electric ranges So the only other on top of rent We have to pay is electric Average $100 $80 to$100 This last month was like$200 We'll call it$100 Internet I have through my phone bill It's about$40.

1:11:31Through your phone bill. What's your phone bill? T-Mobile. And how much is that? $160. Do you own your phones? I don't. It's expensive. I just got a new phone last year. Is that you guys together? No. No. I'm 15 for my phone. Good. Good. Who are you using? T-Mobile. How'd you get 15? Family. Family plan. My uncle is allowing me to be on his plan and he's military service. I don't know how the math works out with the internet situation What it would cost for you to get internet I want you to do something like helium which is T-Mobile Towers As well you know one of those cheaper services For 20 bucks a month I gotta pay my phone off first That's why I asked if it was finance so what is yours What's your phone bill again 165 I believe 15 plus 165 180 okay Gas a month drive drive Vroom vroom 120 car insurance 208 okay me yeah groceries we can do 550 tp funny anything else need to survive 150 medical co-pays uh my co-pay is 30 how often anytime i go in how often you go in rarely okay so it doesn't have to be in the budget then that's That's why I have that$10.

1:12:53You'll learn how to do those. Any ongoing co-pays. Gym? No. That is my grandfather. No. Oh, gym. Oh, no, we don't go to the gym. Oh. Workout gym. Okay. Workout gym. We have one in the apartment, so we don't need that. Sorry, when it shows up on my Cash App, it shows up with his name. Anything else I need to put in your guys' accounts? Would dog food be incorporated into that? How much for dog food? It's like$24 a bag. How many bags? We buy two. Okay, so$50 for dog food. Because they're both on different formulas. And$50 for pet insurance as well. Do you have a recommendation for pet insurance?

1:13:36Because I've been looking around and I just don't know what to go through. Who was the sponsor? Who was the pet insurance sponsor we just filmed, Clara? You can check out money.com. it's like money.com forward slash Caleb or something like that. They like compare pet insurances and you know, you can choose what's recommended there. Okay. So that'll be good. I'm doing 50 bucks for both. Anything else that needs to be in your guys' budget? Not that I can think of. Dog toys? Nope. Nope. Guys. Okay. We'll get one more Kong and we'll call it good. Yeah. It's like three bucks for a Kong. I think so.

1:14:18Something like that. You guys have room. Again, this was just your behavior. I do think you guys should make more income, and we should get you there for the long term. But I think you guys bring in$4 ,000 a month net together. You really should. You need$2 ,807.36 to survive. So this is what I'm going to do. I'm going to give you guys$192.64 of fun. Okay? So you have$1 ,000 left over. So just budget your fund, whether that be subscriptions or going out to eat or VR. You're not living that one down. Of course not. It's easy. The first month, I mean, just pay off those micro loans. Put the rest aside in the savings.

1:15:04Second month, put aside in savings. Third month and fourth month, pay off the dog. Fifth month, pay off both collections. And then if there's anything after the GoFundMe on the bank, pay it off. But that's just five months. This is so easy. You guys are just acting like children, guys. This is fucking nothing. And then save up$10 ,000 for an emergency fund or six months of living expenses. About$9 ,000 last time I did it. That would be$16 ,800. No, you need$2 ,807 to live, we just said. Yeah. Well, it would be$2 ,600 now without the debt. Times that by six. And we're still paying the minimum. $15 ,600.

1:15:49So I think you guys would be done like a year, guys. Like a year. A year and a quarter. A year and a quarter. You guys are out of debt. Yeah. Depending on how the GoFundMe goes. Right. You know? You can still call it a year and a quarter or two years. No, because you pay that off in a month. Either a year and a quarter or a year and a half. And you guys are... And then you're saving for your wedding. Because, I mean, that's forever away anyway. So it's just like... This is nothing, guys. This is nothing. You guys are just acting like children. This is the easiest solution we've had on the show in forever.

1:16:24It's just been being able to like. Spend. Budget. Budget. For the first time in your life, budget. Go to the budgeting class. Guys. Stick with the budget. Stick with it. Go through it. We help you stick through it. And join the past guest discord so you guys hold each other accountable. I keep my eyes on it. I'm not in there like participating, but you know. Keep each other accountable. And then reach out to us for anything. Spending your budget, you guys overspend. Zero out of 10. Debt. You have collections. Zero out of 10. Emergency fund. There's nothing. Zero out of 10. Retirement. There's nothing.

1:16:54Zero out of 10. Right? Right. Zero out of 10 for real estate. Hammer financial score. Zero out of 10. Should be, should be, and will be like a five out of 10 almost instantly. Just be adults. Finally. I think it's time. You know, 23, 22. It's adult time. Okay. Yeah. Make sure to stick around for the post show. We're going to talk about some extra drama that we didn't have a chance to get into. There's also other shows and fun things behind the scenes and member streams. If you guys join that membership, check it out on the link in the description below. And also just check out the resources down there.

1:17:24They're great. I use them. You can use them too. And you can get the class, the bundled class, budgeting, investing, all for a bundled lower price. Stick around for the post show. Today on the financial audit post show. What was her fun little expense? She had an OnlyFans transaction. Oh, she had an OnlyFans transaction. What are you getting? I don't hear of women purchasing OnlyFans. It's not purchasing. at one point I was creating content and so I was withdrawing. Why don't you guys share the truth with each other? I do. I even told him. I was like, I don't care. What did you think about her doing OnlyFans?

1:17:56I don't know. To watch the Financial Audit post show, click the join button below.