This One Will Make You Outraged | Financial Audit

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0:30I'm 26. Hi, I'm Spencer. I'm 27. We are from Brandard, Minnesota. And this is Financial Audit. Oh, Minnesota. Yes. I love it. Fellow Midwesterners, thanks for coming down. What do we do for a living up there? Let's start with you, Amelia. I am a stay-at-home mom. Oh, yeah. Okay. Not a lot of income comes in from that, but there are definitely important duties. So, okay. I'm assuming then we're married. Yes. We have one kid. Age? She's about to be six. Okay, very cool. So six-year-old. So she's in elementary school. I homeschool her, actually. Oh, okay. So how much are you bringing in, Breadwinner?

1:13It depends on how many days I work a week. Between$8 ,000 to$1 ,000 a week. $800 to$1 ,000 a week? Okay. What's the job? I own a business. I do third-party delivery. Okay, like Amazon third party, like last mile stuff? Nah, appliance delivery. I was doing some Amazon delivery for a while. And you own the business, so you can't contract out to the companies? Yeah, I can. Oh, wonderful. Okay, and are these pretty consistent clients? So the third party company I third party through, they give me everything every day, and then they set up my routes, everything else like that. I have my guys work out, and then we go from there.

1:53You have guys? Yeah. How many employees do you have?

1:59five including me six there's an extra guy but max max max max you make 52 000 hours a year uh that's without the business aspect of it yes that's what he pays himself yes what's without the business well yes afterwards yeah so are there too many miles for you to run like why do we have these if you're only bringing in 52 which there's nothing wrong with 52 but a 52 is what you're walking away with are you working as hard as you can before i'm getting vibes of no over here he has not been working very many days lately so this is the slowdown month and then we just started picking back up again so my main option is giving my guys about the same amount of days as i'm working too so they don't quit i think he's the boss he should work the most amount of days it's his company if he needs the money well okay i mean i get it to a certain extent if this you know business started going downhill like everyone would get paid before me in the end right when times are good you get more when times are bad i think that he should work the days that he needs which means they would be getting nothing though and they might so i kind of i do kind of get it to a certain extent but also at the same time how frequent is this because do we need this many people um so i have two trucks two guys a truck so then i own the trucks no i'm renting them i plan on owning my own so then we can actually make more money through you're blushing yeah this is just my natural red sheets oh okay yeah oh okay okay thought you were nervous and you're gonna flirt with me or something okay okay so uh sorry go on so i some people only want to work three to four days a week some people want to work to six days a week so it's Just for me to alter.

3:51Do you need them all? Kind of. Well, if somebody needs a day off, then he's going to need a person. Five including me. So he has one extra guy. Yeah, I have one extra guy. So that's if the other people need days off, I have a cover. So then my trucks can still. And what are you doing? I'm working every day that I can. What's your work? I do the same thing they do. I'm out there doing the same work. Okay how much are you paying them? Sam and I get paid Does that make sense? Well he's doing the same work Yeah but you started the business at the same time I mean it's okay if you do He does use money out of the company If we need groceries or something he'll pull it out of the company You guys have debt to pay so I'm just trying to prioritize I was doing this a little bit before I started doing my own business type thing before that i was getting way less days wasn't making any money so then i started the business aspect of it so our work is basically what to set pay amount i give them and i feel like it's unfair if i pay myself more um unfair i mean that's a interesting question well well you did start the business did you you took on risk by you know getting the vehicle so i mean there are different aspects of it if i but i'm not against equal either i mean you do whatever you want your business you like literally it's up to you and the market will decide well yeah workers whether or not they stay or leave and yeah him using like any extra money if we need it he pulls it out of his business i do i don't like so because i like to have it separately from what we i'm just concerned about the debt okay so where are we today what is what is going on here because we do have debt sounds like a consistently inconsistent income because it was 800 to a thousand a week so i mean yeah it can fluctuate pretty far and so that's why like well pretty far that's only two hundred dollars am i getting the full picture then well he can go anywhere like this week he worked three days which is six hundred dollars but then he can work other weeks where it's six days and that's twelve hundred dollars yeah and so it's hard to put an average on a number like that how much did you make last year uh with the business part 60 you know it's just six months okay so what's that's more without the business part of the income added in me myself i only make about around the 52 but with the business it's around 120 oh oh after all expenses after all expense without any expensive it's around half a million but with all the expenses so how much is hitting your account on a monthly basis on average hitting your checking account pulled from the business distributions and pay on average what is your business set up is this S-Corped?

6:36I'm 1099'd and then my through your business? Yeah but what's your business setup as? LLC. And you contract yourself? So I'm contracted through the company I work for and then my guys that work for me are also 1099. That means everything you're taking from your company though. If you're distributing it are probably distributions and not I don't know. Is it going through we'll figure it out. I have an accountant and they help me figure everything else. So I pay the trucks. I would say on average, most weeks he brings home$1 ,000. Yeah. Out of his paycheck. Just paycheck. Just paycheck. $1 ,000 paycheck.

7:22What I pay myself. I don't. Yeah, which is probably just distributions in the company, but it is. You're also$10.99 from the. So like during tax season, that would be like his paycheck. It's$1 ,000 a week on average. No, I understand that. I understand that. I file my taxes with the business. How much came in last month, huh?

7:47Indoor checking. Which one? Yes, including transfers from the business, checking into personal. So this all goes into personal. $2 ,500. Maybe like four or five. So you're double her. Why? Why are we not together in any way whatsoever? Do we budget together? Are you informed of your finances in any way? you didn't work that much last month are you guys together in the finances do we know the finances are we do we discuss finances are we a partnership in the finances we are a partnership in the finances um but some of it is i am a um person that is if i don't know what our finances are i'm not stressed about it and so he runs the finances and tells me what i can and can't buy if that makes like if i want to go get something i can ask him hey can i go buy this and he'll say i don't have the money for that or i do i let her know like we can't afford that we can't afford that what do you define as afford you guys have that we do have debt yeah do you guys know how much that you have yes to be together yes both of us together i would assume that with the cars it would be like yeah what's your total debt what's your total debt it'd be like 55 000 with the cars yeah around there with the cars okay 61 so we don't know our total debt yeah wonderful okay and what came in 2500 we had transferred from business checking 3664 okay we setting money aside for taxes properly no because we have a previous year tax bill of eight thousand dollars that we haven't touched yes so the beginning of this year really slow down so everything i did have saved up for it kind of went back into the business aspect.

9:29Just so curious. I know we can't hear. Man, I would love to just follow your business for a couple weeks. I just really wonder if we're using everyone effectively because when we have these slow down periods, it's boning you. Well, it's very hard when you have a truck off. And so because he rents his trucks, what is that, like$3 ,000 a week? $860 a week per truck. So around$1 ,700 a week. So if one truck doesn't go out, he's still paying on it. Yeah, it's a set. Why haven't we invested into purchasing or getting a loan on a truck? I need even. Apparently, I need 20 % down for a commercial vehicle.

10:06Okay. Why haven't you don't not make money? I know. Right. Why haven't we? We. That wasn't an answer. I'm going to. The holidays mean more travel, more shopping, more time online, and more personal info in more places that could expose you more to identity theft. But LifeLock monitors millions of data points per second. If your identity is stolen, our U.S.-based restoration specialists will fix it, guaranteed, or your money back. Don't face drained accounts, fraudulent loans, or financial losses alone. Get more holiday fun and less holiday worry with LifeLock. Save up to 40 % your first year. Visit LifeLock.com slash podcast.

10:44Terms apply. To be really honest, when we have a lump sum of money, it doesn't last long. Why? A lot of it's me. I'll be honest. Why? I'm a spender. I thought you said you only spent what he says you're allowed to spend And he says I'm allowed to spend Why are you saying she's allowed to spend it if she's not allowed to spend it Because we don't have any money to spend I feel bad most of the time Because she's at home Constantly She doesn't really She doesn't have to be Send the little sh** to school And then leave the house and roll around in the snow I cannot send her to school Go on I have something, it's called emetophobia And I have OCD from that so i'm gonna need a little explanation on something i've never heard of emetophobia i'm my number one fear ever is puke i can't do anything and so like good so if she's not there you won't see her puke but if i send her to school she's gonna get sick and that's like i have okay so i have ocd and so like even if it doesn't happen wait my brain says it's going to okay i understand oh hold on hold on okay sorry i vaccine parenting i'm sure it's obnoxious well at least let me say this uh you can i understand homeschooling for whatever reasons in terms of this is what you want them to learn and focus on believe all that stuff you know whatever okay that's that's how a culture works but to take them away from social interactions in general under the fear that they might get sick?

12:19Does that seem fair? Because she's not going to school, but is she still getting social interactions? Yes. Okay, then she can go to school then because it's going to be the same thing. I don't want her to show up to college and never met a human. I want to share a message from today's sponsor, Melio. If you're a business owner like myself or the guest on today's episode, then you've probably worked with vendors who don't accept credit cards as payment. And yeah, that can be a major headache. But that's where Melio comes in. Melio offers a user-friendly payment system for businesses that can be used from any device anywhere.

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14:06Listen, I'm not saying this would be great. I'm not saying this would be great. But, you know, just to give them a little more. Yeah. What if they get sick? Just go to a hotel for a weekend and dad will be sick. He can't. He can't take work off. That's part of the problem. Kind of. I mean, you have so many people. He cannot. If his route gets dropped, it's like an$800 fee. But other people can cover that route. Yeah. I don't like not having to work unless I absolutely have to. Listen, I'm just trying to find a solution. Yeah. Everything's a no, no, no. I've talked to him about it before because I have very bad panic attacks.

14:45I do too. I get it. My mom has offered like if she were to get sick, like she'll go pick her up. So go do that. But I'm afraid that she's not going to be available. And then she's going to be like, well, you're going to have to go get her. be a mom i mean no offense i mean i'm just gonna say this just my panic disorder holds me back that sucks for me but if my panic disorder held back a loved one and living their life that's not acceptable i don't get that choice and control i don't think you should either no i yeah i've thought about this a lot i don't think it's time for any more thinking i think it's time to bye-bye kid go leave the house it's just it's just kind of just you just this is something needs to be taken and also the longer you put this off the same with me getting on a plane the longer you put it off the harder it's gonna be you're never even gonna allow them to leave the house in middle school for continuing if we're this far yeah dug deep at six right now i don't leave the house in the winter i try not to at any any point if i need to leave the house it's going to be a panic attack and the kid she she has shown like symptoms of being afraid of germs well and probably because of you yeah it it does break my heart that's this i don't think we could allow this yeah what do you think about this i'm sorry that we haven't gotten into finances but this this is my mom thinks it's ridiculous or not like she's not mean about it but it is order and I understand your things that you have to work on.

16:14Yeah, and I do feel like I'm holding her back. You are holding her back. It's not a feel. Right. You're already getting her into a phobia. That's what I'm afraid of, yes. At six. Yes, I'm afraid that she's going to have my phobia. And it's so hard to live with. Like, I do not want her to have that. You're saying that, but you are causing it. So just stop. When you get home, I'm sorry. What? No, I know. I know. and i've i've heard it before and it sucks but yeah what do you think about this dude i try to help her not be that much panicky what i i well that's not gonna happen it's really not i know it's more she needs to work on coping mechanisms and go through therapy aggressively essentially but even still regardless of your feelings you can't just hold someone back that's what i want your kid's not leaving the house and they're developing a phobia at six because of this what do you think dude well it's smart for her to wash her hands and stuff after going to the bathroom and i who the said it wasn't what are you talking about there's and what i think there's a difference between leaving the house and washing hands well we do leave the house doesn't mean i wipe my ass with my hands and rub it places right no she the the things that i'm seeing are like she would you know she has to wash her hands she has to do this um which like isn't bad at the moment but in a six-year-old right it can become compulsive and that's what i've heard also yes and so like i have talked to him what's the solution what the f are we doing guys this is insane right i would i have always wanted to talk about this this isn't even on the list is it no probably not we were yeah well i knew that it was probably going to come up once it was senator i knew somebody was going to say send her to school you know what i mean like yeah because my mom says again i'm okay with homeschooling it's not necessarily yeah she is she is pretty far ahead but i'm worried about her social ability yes okay you said she goes out and does stuff what is that um she has gymnastics we have she's gonna get sick during that as well she wears a mask you make her i make her wear a mask yes oh please please please please we wear a mask if we're like in the cities in the cities yeah like no matter what time of the year it is like she's wearing a mask if we're in a large crowd of people if she was immune compromised i would understand if it was a middle of a pandemic i would understand right but it's not anymore you're just like i I don't want to see her throw up.

18:56Yeah. I'm going to force her to hold on. This isn't. No, she will literally start to be like judged by other people and isolated. Well, I feel so bad. She's not here. Is she? No, I feel so bad for her. Wait, how'd you get here? On a plane. Was this a big step for you? Yeah. Yeah. We wore masks. It's not winter. It sounds crazy. We wore masks and I wiped down our plane seats. but what about this um i'm fine like like this um but it's like the large groups of people that i'm afraid of like planes are really scared like i get really scared on planes especially because of the feeling people throw up i had headphones in if i don't hear it it's not happening but what the this isn't it's just not fair to her you can't do this you can not push your issues under her no and like there's i don't think there's anything wrong with like being cautious of you know like touching your mouth and face in public and stuff but i know that i take it a step further a step during covid is a lot worse did that heighten oh i so she was actually in daycare i was working i was a single mom um oh and she is not biologically yours i adopted our daughter Yeah, she adopted.

20:16He adopted. That's wonderful. That's beautiful. OK. So, I mean, I had the fear then, but I didn't think about it all the time until it happened while she was in daycare. Like she got sick while she was in daycare. And then I was fine after. But then COVID hit and I had to stop working because daycare wasn't open. And I never went back because we met, we got married and now I'm a stay at home mom. and so i know that i'm digging a hole deeper in my ocd by you're making it worse because you're just not confronting it anyway right and i've done the same for mine but again i'm not forcing anyone else to do anything because right you can't do this you can't do this i don't know what's uh what's the solution guys because we need to move on to the from this and go to the finances but what is the solution because i feel so bad for her and this is not it would either be able to have him on call to leave work or i would be able to ask my mom to like if she ever does get sick to come get her to pick her up from school if you don't allow your kid to go outside without being completely separated by everyone with a again i again if something's like raging across the world i get you know that's not bad it's just the you're separating her from everyone essentially right you're making it hard for them to read her face and just have those human interactions right and you're not allowing her to go to school again if there was a different reason okay but like i will personally come up there and vomit on your face if you do not like allow her to just leave the house we do okay okay there is one more thing that i want to bring up part of the reason she is homeschooled and it is not the only reason is my ocd she's online homeschooled she's online homeschooled i'm just talking social interactions yes but she is very far ahead she can read books Yeah, maybe she'll skip a grade.

22:08Like, that's great. Right. It's great. She cannot enter the workforce. She cannot enter college. I don't want her to end up like me. She goes outside and it's 25 and we've cured every illness in the world or something. But yet she is just like wearing a hazmat suit everywhere. We go to the grocery store or we bring her to the movies or bowling. We don't put the mask on. Why gymnastics? Because it's full of kids. You should see the kids that we see. No, they're disgusting. Kids are gross. Kids are gross in general. Right. Now, legitimately, guys, I believe that you, everyone in your life, everyone around us can actually take control of their financial future and make their lives better.

22:47And we've spent over a year here creating tools to help make those goals a reality. Right now, our budgeting program and investing program are bundled together at a 15 % discount. And you get$100 in cash gifted to you right into your Moomoo account. There's honestly no time like the present to actually take control of your future. Don't wait. don't let this opportunity pass you but also let them have an immune system at the same time right no i know okay i'm gonna move on but you need to work on that please asap because that is unfair to her and her development we've talked about doing the therapy wise but with in you haven't done therapy i don't have insurance that's what i was about to why don't you have we make too much to get help and we don't make enough to pay for it every month yes you probably do how much do you think you spent a lot um last month probably four thousand at least yeah somewhere around there probably six thousand four hundred sixty two dollars is that with no it's not no no we didn't calculate business expenses into here does that business checking account the credit cards yeah it's spending is it not spending okay so the one card that one is i use it it wasn't that right jake it wasn't costco card right this isn't nope costco card wasn't included your bad card your little bad card wasn't included we did not include that i'm gonna call you out on this on this costco you don't only use it for work there's occasions that we use it we separated work dude this is literally personal spending was six thousand four hundred sixty two dollars i don't know what oh i can tell you what first of all don't have any money left over we could at least get a low cost basic health insurance for how much you go out to eat we didn't go out that often last month it adds up well you basically We spent 250 bucks.

24:32Could have been worse. Could have been worse. Doesn't matter. You don't have health insurance, so I don't want to hear that. Right. And you have a kid. I don't want you to, like, not be able to go through. You can't get therapy in your bitch. She has health insurance. Don't worry. No, you don't. Okay. And you are the parents. Right. Miscellaneous. Could be video games. Could be whatever. It's just stuff that doesn't matter. 300. Hi. I'm here to pick up my son, Milo. There's no Milo here. Who picked up my son from school? streaming only on Peacock. I'm going to need the name of everyone that could have a connection.

25:08You don't understand. It was just the five of us. So this was all planned. What are you going to do? I will do whatever it takes to get my son back. I honestly didn't see this coming. These nice people killing each other. All her fault. A new series streaming now only on Peacock. $24. Add that together, we could have got another low-cost plan. Okey-dokes. I don't know what the fuck you guys are talking about. Your phone bill definitely does not need to be the price it is. The price that it is. They both jumped out of their seat for this one. How much do they pay? My dad pays$100. My brother pays$100.

25:46My mom pays for her iPad. Your dad pays for a line? Yeah. We pay about$200 a month. I'm going to say 3, 2, 1 and then on go, 3, 2, 1, go I want you guys to both at the same time give me your household financial score zero being the worst possible 10 being the best possible three two one five okay so we're separate by a lot why do you think it's middle of the road solid um because we pay our bills you don't have health insurance our bills are paid that need to be paid i know that we don't have two thousand hours more than you brought in before setting aside money for taxes you'll see most of that is the extra money from my family members that have stuff with me what some of it so some of it that you see 2000 not all that some of it that you see coming in yeah we're like people paying us to pay their bills um but and you still spend 2000 more than came in i'm confused yeah also yeah why are you guys so disconnected why do you not why do you think she thinks it's middle of the road and you think it's so bad well i know i do agree with her on that our bills are paid but the extra money we do always get we just spend well also i just i don't know our full financial situation why um ignorance is bliss in my why don't you tell her i do i know on occasion i do write up like all of our debt and bills that we have and then i add it up so then we get we did have a budget before did stick to it for a little while and it kind of went downhill yeah we've done a zero budget but now that his company is so switchy it's hard to do a zero dollar budget because we might have an extra 200 here or 200 less here i need you guys to go through our budgeting educational plan together go through it take the quizzes do everything do the investing one as well eventually you guys will be ready for that and it'll be helpful yeah i try to do that can't figure that out the class into the investing just in general oh we'll go through the investing class Plus, you guys get$100 anyway for free because of it.

27:55So do people who get signed up, by the way. So link in the description below. And if you watch your Hammer Financial Score, it's there. Link in the description below. And you can come on the show at calebhammer.com slash apply. Come visit us in Austin, Texas. Let's jump into these finances. It's been a lot of talk. But it's time to get real. Target. Yeah, I blame my sister portionally for that one. Sister, your credit card, your sister? What the f*** are you talking about? She brought me to Target over and over again. It's my own doing. Yeah. Huh? It's my own doing. What does this mean? What do you mean she brought you to Target over and over again?

28:31She kept asking me to go to Target and I had a Target credit card. And I didn't have any willpower. And I just bought what I saw. So what? You're just walking through the aisles to Target? Yes. We haven't used it since that debacle happened. The debacle? Wait, what's the debacle? I racked that up in a month. Yeah. I applied for the credit card. Did you go all the way to the limit? 2000, yeah. When? A year and a half ago. Why is this taking so long to pay off? Guys, what are we doing? Why are we only doing the minimum payment? It's going to take seven more years to pay off. I keep forgetting that card exists half the time.

29:09Well, I don't think we're allowed to forget that the card exists half the time. Not anymore. Not ever. I don't know. What do you mean? You have a kid. Probably want to send him to college. Probably want to help him with that. I think part of that issue is that it's always due on the second. And we have rent. Put it on autopay. I don't give a shit. Yeah, we always forget about it. $30 minimum. $10.85 of interest is accruing. That explains why it's not really getting paid off. Yeah, that's why it takes seven more years to pay off. Do you want to... Are you going to get a job again? Are you able to?

29:44Like, if we get them to school, are you able to go and interact with people? Yeah. Yeah, for the most part. It's definitely like a learning curve. I did get a job. It's only a 10 % interest rate on this card. For a credit card, that's still horrible. But for a credit card, it's surprisingly low. I have had a job, and then I ended in a panic attack when they had me clean the bathrooms. And I quit. Okay, so that was like a retail type job. Yeah, it was a gas station. But bathroom, because there might be vomit? Just germs in general. so like my ocd stemmed from emetophobia but it's really contamination ocd i hope you didn't touch clara she's infected with cooties but before that sanitized did have a job for a few months yeah i did i worked at costco one time you guys love costco we'll go there um okay it's not it's not perfect but maybe we could help okay maybe there's like a work from home call center type job yeah customer service i think course careers has a certification customer service i think you go through their like quiz that helps you find the right certification for you go through that pick one and we can gift it to you for free i can boost your resume maybe you can work from home yeah once your kid's gone but i also don't want to fully enable you not leaving the house no like i am fine with leaving the house myself i don't touch my face you got to take a massive in the middle of public.

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32:23So if you're ready to stop making dumb, dumb money decisions, head over to domainmoney.com slash Caleb to book your first free session. That's domain.com slash Caleb. No fluff, no hidden fees, just real expert advice to get your financial life in order. Go check it out. The bathroom's like, as long as I wash my hands, I'm okay. Like, I'm definitely better than I was a couple years ago. But you couldn't clean the bathroom? No. Because I'm like sticking my hand, well, I feel like it's like on me. On my arms and on my shirt. But you're okay wiping. It's my own. Ah, clean poop. Menards. I miss the Menards.

33:06We don't got them down here. We have a Menards Capital One card. I've never seen a Menards card, but I guess it makes sense. Every store has a card. So what are we doing? What the hell are we building? Are we building sheds? What do we have a huge Menards card? Beginning of this year, when I was doing Amazon, I needed a pallet jack. Kind of put it on that one, which is half that. Kind of put it on? I did put it on that one, which was about half what that balance is. Okay, and the other half? I'm going to probably random stuff. Fun fact, takes another seven years to pay off. $39 minute worth of payment.

33:48$18.04 of interest accruing on a monthly basis. Before this, I did have my own capital one, just a normal capital one. We paid that one off. We were doing the rainfall three months ago. The rainfall. whatever the snowball yes thank you no I like the rainfall that's when we're going to start putting it towards those cards but when when did you pay that three months ago what happened why haven't we started to accelerate that was when I started working one day less we stopped the budgeting we had a budget and we just we moved and then it never went back No, it was. So my brother lives with us currently.

34:34Before that. Brother? That one? Yes. Before that, I had my brother-in-law and sister living with us, and they moved out. So for that two months, we were paying everything on our own. So that's kind of what happened with that. Everything just went downhill. Yeah, we didn't make enough to pay our bills when we lived alone. Extra amount of our bills. We paid the bills. So your brother's your roommate then? Yes. Okay. How much of the bills does he help pay? He pays$600 for rent And that's with the utilities He pays He's buying the car from me soon He pays for the car itself And the insurance itself on it Okay We can unmute his mic for a second What do you do for a living?

35:18I work for my brother as well Are you guys just like Twins? What is happening? My brother-in-law that was living with us at the time too Also works for me what yes why is this weird mixing uh business and family i also have one of my friends worked for me too but they all friends is a little better if you separate boundaries but family i do set boundaries like you have a family is hard family gets emotional it can you haven't had something happen i haven't had it what has happened uh part of the reason they moved out is because they were spending too much time together. Him and his brother-in-law.

36:01They were spending way too much time together. Getting in fights. They were getting in fights about who's working more. How many hours they're getting. Blah blah blah. It was mostly our kid running upstairs all the time. What? Those are two completely different things. I think that was an excuse for them. They were talking about how loud it was upstairs all the time. but I think it was because right after that he quit and you hired him back. He didn't quit. He was looking for a better job apparently, but then he redacted his two weeks that he gave me. And you said this is brother-in-law, so it's your brother.

36:40No, his sister's fiancé. Yes. Okay. Okay.

36:49This family is intertwined. It's weird. It's complicated. Very. Okay.

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