Wannabe Hipster Knocks Up Literal Clown | Financial Audit

36:48Why were you? Why? Wait, why? Why are you ignorant to the household? With the baby? I guess I just didn't care. You didn't care? I didn't think it was my problem. So you didn't even ask? No. Why didn't you share? BJ's Wholesale Club makes holiday hosting so easy we called in Thanksgiving's original host to talk about it. Pilgrim here. We could have used BJ's back in the day. Imagine stepping off a boat then foraging for your first Thanksgiving. It's a whole new world now. BJ's brings Thanksgiving right to your door with free same-day delivery on your first order of$100 or more. We're talking turkey, squash, pies, all at prices so good they'll knock the buckle right off your hat.

37:25For terms, visit bjs.com slash Thanksgiving and get the same great savings online as in Club. Because obviously this is concerning. Why would you? No, no, no, no, no, no, no, no. If my spouse, you know, this imaginary spouse, because, oh, well, she's imaginary. somebody get Caleb on bubble if if you know she was taking care of a kid or whatever she wasn't interested in the finances but something was going wrong that impacts our future and impacts our kid I would bring it up because we're both adults so why did you not bring up anything it's probably a lot because before I was making a lot of money so like it was never a conversation to ever like really have because we're always okay but it is a conversation to have so why didn't it happen i just assumed it'd be okay how bad math i don't know that's not a answer that is not an answer why did you think this would be okay what was your actual logic you see the debt accumulating you're at max out card how are you like it will be okay i guess i was just holding out hope that things will change um i always knew we always had enough money in the bank account where we can make our bills and we can make our groceries so in my head that was comfortable living would be okay but of course if we need anything else it was going to the cart and i would just borrowing from your what do you mean you have enough in your account to pay your bills what are you talking about that was yeah you are living in full delusion right now what are you on about i commend you for working a lot of hours i commend you for immediately getting a job after well you quit but i mean still either way uh you You still got a job quickly, even though it's not the job you want.

39:07We just ignored six grand worth of spending. Yeah. Guys, just a quick plug, but this is your last chance to grab a spot in my five-day financial refresh challenge for free. The challenge starts today, and I couldn't be more excited to share this content with you all. Like I said, I think there's something in here for everyone. And at the very least, you can follow along with us and take the next steps toward building a better financial future. just click the link in the description below I'll see you there and then also with the baby and the PPD it was just like well this isn't the biggest thing until it was the biggest thing are you sure you're even going to get married if things keep going like this I mean probably not if things keep going like this it's a leading cause for divorce in this country we were raised completely different with money so the conversations are definitely always stressful no you guys just point fingers well it's clear as day you spend money on taco chips you spend money on coffee yeah you're both irresponsible the pointing of the fingers is correct you're both point them at yourselves as well acknowledge right okay no spending no wait no there is agave psychiatry that's what they're about okay 20 bucks how often not anymore yeah it was once or twice a month we couldn't afford therapy can't afford therapy how is therapy the thing we cut when we're spending 700 a month going out to eat what the f*** are you guys on about i think it's which one's really better for your mental health are you f***ing kidding me it was just that the therapist was like the charge was like 140 and i'd rather get a five dollar drink than pay 140 well all together like with mine and his so both of you were going and both stopped stopped because it was like the six dollar couples therapy though well i mean yeah yeah and that could like save you guys that's not gonna help us get out of the hole it might if it keeps you guys together and allows you guys to strategize and actually have conversations about money if you can't have conversations about money you're never going to get out of the hole right if you're able to have those healthy conversations then maybe you will it's just like the those big amounts are so much more overwhelming than like getting a drink or going out to eat yeah but that's your guys's issues the small cuts yeah it's the small cuts we can work a new budget that's one of the last things that cut that's why i try to keep gyms in the budget as well there are certain things that you know aren't in need if we get to the end where we literally cannot afford certain things and we're already at the max of work like okay that's where we can have the conversation but those are things we try to put in if you feel like we need them we just haven't oh 34 of interest to charge this month and again you know like and i'm not against the therapy um i am against putting it on the credit card okay so we only have one car loan it's just mine yeah because he has like a 97 gmc now is it thank you oh front that thing's gonna run for a while yeah it did It gets stolen and then his dad replaced a lot of the stuff.

42:23Yeah. So I've always been able to keep up with it working at that shop because repairs are cheap. So everything's basically new on it. The motor's only got$150 ,000 on it. The transmission's only got maybe$90 ,000 on it. And then we have a Ford Focus as well. Yeah, 2016. Okay. $8 ,931.07. Yeah. You had a late payment. Yeah. that was you had a late payment yeah you told me you guys have enough money in your checking account to pay your bills so that's why you don't tell her then we had a late payment so what was happening i do forget her bills often yeah then you can't be in control of the finances that's not how this works that's i don't it's children you know yeah the late payment was um That month we had to make rent.

43:19So I deferred it. You had to make rent every month. That was the month that we were short. So on top of the money that we borrowed, we deferred the payment and then paid it like 10 days later. And then there was... What do you think it's worth? Car man. That car? Yeah, what do you guys think it's worth? Like six grand. I would say six. 2 ,800. Oh, okay. That's trade-in though. What's private market? No, you kept animals in the back. Let's do private market going forward. Five grand. Five private. Even still. That's a rate list than we thought. Yeah. And then it was$221. And then they saw a lapse in the insurance.

44:00Then it raised to$280. What's the minimum monthly payment on this thing? $280. $281. That's a minimum monthly payment. I mean, it starts becoming harder when we're stacking these up and we basically make no money. Yeah. There's two lay fees. Okay. Great. Wonderful. it's a 5.7 percent interest this isn't even the worst thing in the world yes you're underwater a couple thousand dollars but in terms of the overall grand scheme of things as long as this is running well it's not the worst in the world and the interest rate isn't the worst in the world either but you guys are late you guys are late you're just it up yeah yeah because it's this i was a whoops baby and my parents were 19 and 20 when they had me when i or 18 and 19 no we think we knew what we were doing huh is that what you're about to say is this a whoops baby that we had i thought you already said it was like an end baby we knew we knew a fornication happened on that week i'd get pregnant okay so you guys wanted to have a kid yeah i think the miscarriage like pushed it forward a lot the whole relationship went really that's not what i'm saying right just when my parents had me you know i was a whoops baby so it's actually even more irresponsible that you guys did it but i was a whoops with me my dad was uh you know a gas station attendant and my mom i was just kind of like a helper and like a glasses place and you know like an eye uh doctor place you know neither of them made much money and that meant the vast majority of my childhood the vast majority of my life was growing up with really difficult finances hard conversations really cheap you know just spaghetti every meal you know that kind of thing and it made life hard and it made i saw them struggle and they did a pretty good job hiding it from me and you know they went in debt to make it me feel like i was like living you know the solid middle class life next to everyone but there are foreclosure notices there are things like that and that is what your kid's future is right now based on your guys i mean this car is not the worst thing in the world the interest rate the payment you know even underwater it's not like the end of the world car as long as it's in decent condition and but and you guys are f***ing it up because you're not willing to literally have a single conversation with each other about money you are going to have that hard thing now for what it's worth you can turn it around my mom get a nursing degree she has a successful career there my dad ended up co-finding a business with some people and they've been successful there of course they had to wait until i was out of the house to be successful but either way you can turn it around but you're headed through that tough childhood for you the kid and then you're already talking about bringing in a second one you're not even married yet so it's not like we even have like legal the government pays for your babies if you're not married i you get covered under access so i didn't we had no hospital hospital bill there are substantial tax credits though as well i don't know what that means tax credits what does that mean do i owe them now because i had no no no credits less less tax credit what's the let me let me look at the tax credits because i don't i'm not popping up children i don't know i don't know either you don't know what what is the tax credit is that like like when you write them off yeah it's essentially against taxes okay so it's gonna to be credit okay oh that's another reason too is you get more if you're single on taxes it just i didn't well no when you joint file as a married couple one second i'm uh up to two thousand hours per qualifying child under the age of 17 and 1700 of it is refundable meaning that's like literal cash in your hand it just didn't start phasing out if you start making more than 400 thousand hours a year jointly or single at two hundred thousand it really doesn't matter if you're married or single on that part but there are tax benefits for married couples but married couples was one of them without income aren't you both about to have an income though but we didn't i mean yeah i know the second child was like if i mean obviously now it's not i'm not gonna have a second child with someone i don't know not based on what you said so how am i supposed to read your mind.

48:14It was just the plan. You're not a credit card. People use a charge card like the fizz card guys. You just don't know how to. This is ridiculous. You can't pay your own bills. You need to be forced to pay your bills. Yeah. We were on autopay but then it kept drafting us into the negative. Because we didn't have the amount on the account. It's another credit card. It is. Credit Union West. I have two accounts on this. They're both MasterCards. One of them is a credit This is a It's a credit card Yeah Okay and we're sitting at$454.38 Interest is accruing New purchases Guys This is like How much more of this can we think Why are we purchasing on this What are we supposed to do if we don't have money to get I'll tell you Don't go in and get Mountain Dew and don't go to a smoke shop.

49:13These are not requirements to life. So, f*** you. What are you supposed to do? You don't do it. Don't be a dumbass. But that's what, like, keeps the morale up. F*** your morale. Your morale doesn't exist. It's not gonna matter if we're making income if we kill ourselves. Killing yourself by not giving yourself lung cancer? What the f*** are you talking about? But, you know, like, there's things. There's vices. Everybody has, like, a little thing that keeps falling. You can do puzzles. figure out okay sorry i'm oversimplifying this either way in general obviously glugging down the mountain dew not good for you glugging down smoke whatever it's not good for you and you cannot say that well how are we supposed to burn money if it's on things that are a want and those are a want no matter the addictive tendency of it it's a want you're putting it on a credit card that's building up that's near max out that's accruing interest that you're not paying off that's not where we'd put it anyway i'm okay with the vice you get get on that um you already bought the expensive coffee equipment get on the vice of making fancy coffees you know you know maybe it's easier said than done this is more of an addiction that you know would need to be worked on i can't put it in your budget but it's just when you're in those moments and like life is because you don't have any money good amount of dues.

50:37I get that, but why is life sh** now and why do we not have any money? Because you guys are accumulating your debts. So I'm not against the, you know, I was kind of joking when I said what was the word? Morale. It's not about that. It's like literally your morale is just going to be forever getting worse because you're kicking the can down the road and this is going to become so bad that maybe bankruptcy is the only option. Maybe we have to borrow a ton of money and have a hard conversation with our family. There's so many bad things that are down the path you guys are headed that are going to make your morale worse.

51:12So I don't care if the morale is slightly hurt by not going and getting whatever you're getting from the smoke shop. I don't care if that morale is hit in that moment. If in the long term of your life, your morale is up. So I don't give a. It's not that easy when you're in it. No, it's not. It's not. Everything revolving these conversations is easier said than done. We would have to sit here for 10 hours if we went into the nuance of every single little thing. The addiction is something that you're going to have to work on yourself. I can't put it in your budget. I will not allow myself to put it in your budget.

51:44That's something you need to work on for yourself and for the longevity of your life so that you can be around for your kid longer. Not develop your weird whatever lung is going to eventually hit millions of people. You leave my lung fungi alone. Huh? You leave my lung fungi alone. I'm growing it with care yeah it's not funny you're gonna die and leave your kid okay okay it's not a joke it's not a hee-ha hee-ha it's kind of it's disgusting vaping or yeah he like legitimately is like I don't care I'll shame it I don't care it's fine it's nasty like we don't even know the long-term consequences of that yeah there's gonna be millions of people that are just gonna that we're gonna have to take care of because they're like let me have flavored nicotine I'm just glad that you've never had to yeah I've had to stop my own vices I have my own vices that and nicotine is one of the most addictive things it really is you know one of my producers back there kicked nicotine it's super cool of him one of my best friends here in Austin also has done that and it's really difficult and I know it maybe set up reward systems for you along your support system is who knows but it's difficult and that's something you have to work on yourself and i can't help you with it but i can't put it in a budget okay no budgeting for nicotine no budgeting for a future lung cancer no so 17 interest uh 50 that's medical debt bill just 50 dollars it was a no show huh it was a no show what a no show fee i didn't know that was a thing yeah i legitimately didn't yeah no they'll charge you if you don't go they're gonna make their money yeah they're gonna make their money okay i guess i've just never missed one that was just a joke they asked for um record of cash cash on hand and i told them i have a jar of coins to throw to robbers so they wanted documentation

53:43okay that's what you asked a big jar sure got like 10 bucks in there oh good we've got our checking and chase is a negative this is wonderful this conversation continues to get better and better and we're sending out apple cash like what the are you doing uh again i'm good with the gym but you're negative in your checking account yeah plus a monthly service so you're negative and we're negative$11. What the f*** are we doing, guys? Who are you apple caching? That was to you. For what? Drinks. When we're negative? What are the f*** doing? Also, I thought you guys said you were a joint now anyway.

54:18So what is happening? Well, I still have my account, and he has his account. But I'm on his account. Why is anything going through here? You're negative. I just didn't switch it over. Switch it over! Be a f***ing doll for two seconds! Well, it wasn't a big deal until like a month ago. You're negative. Okay, right. It's a big deal. Okay. Yeah. Oh my. Okay. Do you guys even care? Like, what are we doing here? Well, yeah, but when you're in the moment. Wait, is this another? What is this? That's counseling. Past due? Counseling? Is it? Yeah, that's the$145 I owe to the therapist. I was under the assumption that it was covered, and then they sent me that bill with all of it together.

55:05That was for three appointments. I don't know what your insurance covers I don't know what your deductible is Do you? I mean it's Medicaid so no Okay You guys are just like let's have a kid for fun Okay Like it's a toy Sure At least there's$710 in this Is this a shared checking account? Yeah Guys this is the dumbest thing I've ever seen in my life So stupid so selfish so just childish and gross started off the conversation with pleasantries and i'm and you guys are lovely people as people but this is gross yeah so there's a door dashing for 40 bucks we're borrowing money from granny sending apple cash out going inside getting mountain dew sweet treats apple cash sent out ihop getting mountain dew sweet treats mountain dew sweet treats withdraw ATM 43 who knows where the went withdraw ATM$2 probably a fee Burger King going inside getting some Mountain Dew sweet treats Mountain Dew sweet treats Mountain Dew sweet treats Mountain Dew sweet treats TikTok shop$136 ,000 on TikTok shop the f*** are you getting how much was it for$136 and we're borrowing money from grandma was that$17 I looked I looked the line doesn't connect very well okay no that was um a father's day gift yeah it was a father's gift are you bar whose father okay you're borrowing from your father's mother his mom's mom but yeah to get oh okay well that's close yeah so i don't think we're doing that i just don't right like it doesn't make any sense burger king netflix nothing on there anyway manscaped do you need a subscription you don't so you're getting a one-time thing you can for your special mustache as you've been touching all conversation yeah yes more nicotine and microsoft ultimate sending apple cash out apple cash out burger king modern market eatery jack in the box blue martini blue martini this is guys going inside mountain dew sweet treat spotify cash happen out 30 cash happen out eight bucks apple cash out eight dollars apple bill in-app subscription who knows ten dollars 31 cents going inside getting a sweet treat mountain dew disney plus apple cash sent out goodwill yeah you never really know you could get you could get things you actually need okay i'm okay with that what i'm not okay with is then going and getting mountain dew sweet treats and mountain dew sweet treats and mountain dew sweet treats apple cash sent out guys this is ridiculous who the who the are you guys sending money to so much it's between him and i because if i don't have money in my account i thought you guys use this jointly i i guess we've just been lazy i haven't switched it stop being lazy how how are you guys allowed to be lazy how is there even room or time or anything here for laziness i mean there's not when you're raising a kid you're not thinking about you're raising the kid to try to live a better life and because you're a little lazy right now you're in their future is what i would say to that okay before you try to make an excuse about the kid okay as a full-time creator i can tell you creating engaging videos takes a lot of time and effort from scripting to editing the whole process can be a headache but that's where in video ai comes in with in video ai you're in the director's seat while the ai acts as your co-pilot taking care of all the heavy lifting in video ai is the world's most used AI video creator with over 10 million users in more than 150 countries.

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1:01:36What date was that? Use a hose. You can't use the water at the apartment complex. You get fined. You spit. All right. Apple Cash. Sportman's Warehouse. Mountain Dew Sweet Treat. Withdraw from the ATM. $43. $2 fee. Another$23 out with a$2 fee. Mountain Dew Sweet Treat. Amazon. Apple Bill. Mountain Dew Sweet Treat. Apple Bill. And Mountain Dew Sweet Treat. this is insane you spent two thousand dollars more than you brought in this is insane also you guys can have your little special vices that you guys do every day childish immature putting yourself before your kid's future it's gross it's gross i'm disgusted what i just you don't care it's not that i don't care it's just are you kidding me i agree that it's some of it is definitely childish i just think some of it six months old is the kid they have 17 and a half more years with you this is what they're gonna have to deal with is their mom and dad putting their vices over them no that's why we're here that's not an excuse that's what a lot of people say that's why you're here no i'm answering a question and if you answer it and you don't seem to care I'm going to call it out.

1:03:01Being here isn't a magical solution. I will give you the wake-up call. I will connect you with the resources. Go through our budgeting class. Go through our investing class. It's bundled now at a lower price, by the way. I guess it is like selfishness. I don't know. This is a real good story about Bronx and his dad, Ryan, real United Airlines customers. We were returning home, and one of the flight attendants asked Bronx if he wanted to see the flight deck and meet Captain Andrew. I got to sit in the driver's seat. I grew up in an aviation family, and seeing Bronx kind of reminded me of myself when I was that age.

1:03:30That's Andrew, a real United pilot. These small interactions can shape a kid's future. It felt like I was the captain. Allowing my son to see the flight deck will stick with us forever. That's how good leads the way. I had like really bad PPD, so it was... PPD? Yeah, postpartum depression. Oh, yeah, that does suck. Yeah, so then it definitely was on me because I'd be like, I need this thing because I'm like super sad, and then he would get it. Okay, was that clinically diagnosed? Yeah. Okay. I just got off Web of D. That was a joke. It was clinically diagnosed. Noah thinks you look like a flamboyant pirate.

1:04:08You can make fun of him not having hair on top of his head in the post show. Did he just type that out to you? Yes. This is why we need to keep him in the back. Flamboyant pirate. Look how fruity he is with some of your guys' guests. I look great. I think you look good. thank you you like touching it it's like a pet too but it is like a huge pet peeve of mine it's just like you like sit there and you see your i always lick like my like uh like the lip ticklers i always get like a long hair right here yeah he calls them his feelers like a bug that's pretty funny it's not funny when i'm trying to eat a fucking sandwich i eat half my mustache though yeah hopefully you're making it because you can't afford to buy one I'd be the one making it $47 in this checking account so what's the point of this checking account this is your checking account so my grandmother had set up this checking account when I was a child and she was just putting a couple dollars here and there what's Harkins Nortira that's a movie theater great so movie theater movie theater more Moundy switch treats ATM would draw$303 who knows what that went this is more spending rent's okay but more sweet treats and movies because again our pleasure our instant gratification that's more important yeah three thousand dollars invested is that what's invested to our name uh my name yeah all right because you guys definitely don't consider yourselves together in terms of like an actual partnership actual commitment for the future that's as clear as day with the language you guys use.

1:05:52You've been good. I'll put this away. You haven't touched the table once. I'm glad we've earned. I switched my mustache. Yeah. I mean, necessary food was 6.1 % of your spending. Your spending, we also know, was 50 % more than you made. But either way, within that spending, 11 % was going out to eat. Miscellaneous bullshit, 8.4%. Of the large purchases, 11.1%. Like, this is just insane, guys. that's laundry mat ATM withdrawal$303 and apple cash out $212 $200 a mountain dew we think just about insane yeah like that yeah you're the next boogie congratulations oh great no you're dating way too within your age range to be boogie that's a fact what is this nothing don't worry about it do you know not people making money at jobs

1:06:55yeah that's true no more terminally online if you're gonna get a job get a job yeah which is honestly a play is that i i like that you guys can do it without putting the kid in child care and you guys are just working weird hours that's just the one thing i won't compromise on is i'd rather have and that's fine it's it's gonna be interesting curious to see how sustainable it is. That's the worry. Alright. I think what's your rent again? $15 after everything. After utilities and internet? Yeah, it's after utilities. And internet? Rent as insurance? Okay. Phone bill? $200 something. I don't pay mine.

1:07:36She has$98. His parents pay for his. $98? Guys, I assume you still owe money on your phone. Mine's paid off. That's just what my mom said I owed her. Get your own line with helium for 20 bucks a month, dude. You just do that. I don't... Do they get service everywhere? Yes. T-Mobile towers. T-Mobile's not that great. T-Mobile, well, it's great here. I have T-Mobile. Well, good for you guys. I like my Verizon. Great, yeah, let's continue to pay for things we can't afford. That's some... Are you... Are they gonna... Okay. Spoiled. Never heard of healing before. That's spoiled brat behavior. No offense.

1:08:20I mean, I don't care. Car insurance for both. I don't pay car insurance. Mine's... We do mile by mile because it's cheaper since I don't drive. You don't pay for car insurance? His parents pay for his car insurance. You really are a child. Okay. That's okay. I mean, if that's what they want to do. I was paying it for a little bit. You're getting money from everywhere. Yeah. From everyone because you guys can't... Okay. Mine is... Mile by mile? Yeah. So because I don't drive that often, it would have been$500 a month because I have accidents. So I just did mile by mile. So what is it normally? Like 120 a month.

1:08:56How much gas for both of you? 50 every two weeks for mine. Mine's maybe$40 a month. So like 90. 140. 140. Sit every week, yeah. keep you find anything else you need to exist two hundred dollars and that's because the kid's expensive and you gotta put all that food we're meal prepping aggressively a couple times a week and we're just eating cheap or eating healthy use the one in the budgeting program address it to your needs and with the kid i'm thinking you guys can do we also use aldi which is really good yeah yeah 600 a month that's more than yeah that's more than i'm used to spending on groceries yeah but you guys go out to eat yeah i guess that's true i'll do i'll do 500 if you can do 500 do 500 but i'll allow up to 600 medical let's get those co-pays a couple what if you do like two therapy sessions a month what would that cost you each um huh if we did two a piece yeah 200 bucks is that just for you all together let's see if that works what's the gym membership it's just mine which is 25 i think there's 25 yeah it was 15 no i have the black card so i can take Blake.

1:10:06And you guys said you had a pet? Yeah, we have a dog. Pet insurance? No? I think you should. Because that can add like a$5 ,000 bill to you because they eat. It's the same thing as like when we got the vet charge was like a thousandth. How much for dog food a month? That's$100. We get his food once every three weeks and it's$40 for the... Okay. So$80? Maybe. Just by$80. And your minimum of your debt payments,$281 plus$25 plus$52 plus$25. We're looking at$383. Let's see where you guys are at. You guys think you know where you're at? Or is this like... I took the test. We're about to find out. Yeah, we're not going to be great.

1:10:54How much hits your account on a monthly basis right now? $8.50 a week. $8.50 a week? $8.50 to$9.00 a week. Hits. Just do 800 every week. That's what hits the account, though. That's not what's before taxes? No, it's 800. Yeah, that's what hits the account. Yeah, 850. Times 52 divided by 12. Some months are longer. Some are shorter. 3 ,466. You guys have room. There's no excuse for borrowing from your grandma. There's no excuse for spending the money that you guys have. There's no excuse for being short. You guys have the money. And you're going to make more, and you're going to bring in money.

1:11:30honestly i mean this is kind of simple to me you're gonna work part-time you're gonna get a full-time job making like 50 um you guys are gonna be able to pay off this debt pretty quick just pay off uh medical and therapy then capital one then the mastercard then the apple card then even pay off the ford focus just to get rid of risk get a fully funded emergency fund i think you guys can do that in like a year and a half pay off the ford focus in a year and a half yeah Yeah, because you guys are already making more right now than you need to live barely. And if you truly focus in and just tackle debt as the top priority, yeah, absolutely.

1:12:08With you making 50 and you working part-time, yes. Absolutely. But what would that be like a month just going into the car? Huh? Well, after all the other debt is paid off, your minimum payments again are lower at that point. You'll have like an extra$100 to throw towards it. and then you're making again 50, and then you're making part-time. Probably making, what, like 75 ,000 bucks a year maybe, depending. Plus with paying less in taxes because the kid. Just seeing those numbers makes you feel so stupid. And then if you guys are married, you'll have married tax benefits as well. Is it a benefit to get married though?

1:12:42Like actually money-wise? Yes, you get tax benefits. I can bring up the exact... I just... In general, I don't know, because like my mom always said it was easier not to. i don't think well easy in what way like sure yeah like filing or with kids do you no okay i believe you i don't think you should be taking financial advice from your mom that's fair i mean i can sit you guys down with our in-house cpa that you guys can talk to if you guys want to be coached financial coaching you get a higher standard deduction as uh and lower tax rates as a married couple obviously there's child tax credit and earned income tax credit as well oh i forgot about this but there's also the spousal ira contribution so one with no little to no earned income like you were able to contribute to both of your tax retirement accounts essentially almost like doubling your ira which is kind of cool and obviously spousal and survivor benefits for social security but i mean there's a lot of things here guys i should just probably stop listening to people well i mean i don't know the exact argument i can't argue against it unless i know what it is so you guys have this you guys have this yeah Once you start doing your job and you're doing the part-time thing, if you're able to do it for a year and a half, let's call it two years to pay off all the debt, have a fully funded emergency fund, then you can figure out what you guys want to do for careers and everything from there.

1:14:00But that'll be when you can apply to the police again. So you guys just need to cut back, pretend like you're living on nothing because you guys are living on nothing right now. You can't afford anything. That's not how I want you guys to live. Don't get me wrong. But this is like the literal reality or situation. and you brought a kid into this world against their will so live a good life for them yeah and with them and you can do that with simple sacrifice like literally just simple sacrificing just for a couple years which is absolutely nothing you'll be 25 and you'll be 23 so or you'll be 23 so there's just that's nothing we're in our mid-20s and you guys have a fully funded emergency fund and no debt you guys will retire multi-millionaires contributing yeah okay if you if you do 50 30 20 50 percent of needs 30 percent of wants 20 percent into investing if you if i open up my muumuu app right now my brokerage that i use and i buy like some s &p 500 or some spy and i compound that over the course of multiple decades by the time i hit 59 and a half where things that's where your tax and energy accounts like the iras can be with drawing penalty free you guys will have a couple million bucks you know if we're actually making the money that you suggest you're going to be making and you're going to have a great pension program likely through your police force anyway so there's a lot of opportunities here sacrifice for just a year and a half guys your life is done but instead you guys have been acting like children and you're putting your wants and vices over over your literal child so yeah i it's a pretty easy solution it's literally just your sacrifice it's literally just basic things spending a budget you overspent by double zero out of ten your debt it's not even like the worst debt you guys just you're spending stupid so you're allowing yourself to get into bad debt three out of ten emergency fund nothing right now you drain it zero out of ten retirement i know you're nothing you started for your age i'm happy combining it as a household kind of pretending like you guys are married you're gonna put that a three out of ten because you're kind of anchoring down on that real estate zero out of 10 for now it's gonna be a hammer financial score only rounding up 1.5 out of 10 make sure to stick around for the post show we're gonna have noah come in here who they seem to hate so we're gonna bash and we're gonna jump into some more drama because there are some things that we didn't get into that are on the more drama side of things the more tea side of things yeah so we'll talk about that in the post show you can join in the link in the description below also to make sure sure to check out all the resources there as well They are what I use or would use in specific situations, including the best budgeting and investing programs now bundled at a lower price.

1:16:37Check them out. Join us for the post show. Today on the Financial Audit Post Show. We heard a little birdie say you maybe have a touch of the tism. A little touch of the tism. A little mouth tism for you. I wouldn't be surprised if not. Yeah, do I need to be more expressive? Huh? Do you want me to be more expressive? I don't care. You'd be you. So you can pick up on the social cues and stuff? We're still going. This is starting to become like an actual autism thing. Because we get like you understand numbers and stuff. To watch the Financial Audit post show, click the join button below.