Financial Audit
Hosted by Caleb Hammer
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19,238 words · 8 speakers
Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. When did you learn, in your perception, that things were so dire here?
When he told me that he was gonna leave me.
And you don't give a [bleep].
Malio, what can I say?
What the [bleep] is wrong with you?
I mean, that's not gonna matter when you're dead.
That's why we're in this.
How long are you willing to put up with that? Before you say, okay, that's it, we've done it?
I have told her that this will likely end in a divorce.
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Hello, this is Samantha. I'm 35.
I'm Brad, and I'm 35, and we are from Orlando.
And this is Financial Audit.
Thanks for coming over from Florida, guys. What do we do for a living? Let's start with you. You're right in front of me, Samantha.
Yeah, so I am a systems administrator. I work for an insurance company.
Full time?
Yeah.
Good. How many hours a week are we working?
Well, it's very flexible, so it's a salary job. So I work typically like 40 hours a week.
Cool salary. What is it?
It is 80,000 and my bonus is 80, or my bonus is 8,000.
80,000 and then 8,000?
Yeah, so it's 88,000 altogether.
Bad. That's great. What hits the account from your pay?
Um, I would say probably like 2,600 every two weeks.
Okay, 2,600 every two weeks. Brad, what do you do?
I am in IT as well. I am a service operations specialist.
Basically, if one of our systems like Slack or Teams goes down, I am the one that hit the alarm button.
I can see that. You fit that vibe.
Rally the troops.
What are you making?
I'm making about 71K a year.
Cool. What hits the account from your pay?
Do you know, Mr. Brad?
About 1,000 to my personal account and then about 1,000 to our shared account. So.
Why is it split between two accounts?
Just, we like to make sure that all of our bills go into the shared account. So that way we don't.
So why are you splitting it between accounts?
So I.
All the bills are going in the shared account.
So I have my own personal account for like my own expenses, like for my credit cards and for like things I want to buy. And then we have a shared account.
And do we discuss how much is going to things we want to buy? Is that established or is it just being determined based on how much you want to put in your account?
Okay.
Yeah, so basically, um, basically like all of our like household expenses, like the mortgage,
our electric bill, our phone bill, all that stuff is in that shared account. So we paid all of our, all of our shared expenses in there and then we have like our own money into different accounts.
I got that. I got that. This is, we're not discussing how to navigate how much goes where, it sounds like. Uh, so 2,000 biweekly? Is that what I'm hearing? Total?
Semi-monthly.
Semi-monthly, perfect. So 4,000 a month, yeah?
4,000, perfect. Okay, so with that, that brings us to what? $9,200 a month net? That ain't bad. People like the high income earners. Here we have them. That's good. Why the fuck are you on this show? Why are you here?
Ultimately, um, our spending has gone out of hand and we need to fix our spending. Otherwise, I have told her that this will likely end in a divorce.
How long has that conversation been going on?
We had it probably about a month ago.
Okay, a month ago and? Tell me about this conversation. Oh, tell me about this conversation because that is, I mean, that's, that's something big. That's marriage ending. How long have you guys been together?
Uh, we've been together about nine years.
Are there kids?
One kid.
One kid, how old?
He's two.
He's about two.
So, okay, tell me how this conversation even started, what we went into, like, how'd you confront this? What did you learn? I, I need to know it all.
At the beginning of the year, we were trying to determine how to best tackle our existing debt and we, um, I've been listening to her tell me like, hey, like, everything's fine. I've got money for this. I've been seeing a bunch of, uh, boxes come in and boo-boos come out of them.
Get boo-boos? The fuck is wrong with you? It's a trend that's gonna
It's a it's the it's the Stanley. It's gonna die in like six months. You know, it's everyone moves on to the next thing.
It's the millennials, uh, beanie baby.
Oh, fuck. And I technically am a millennial by one year. Kill me now.
You're bringing, why you gotta make me feel like shit?
Okay. Why are you telling him this if clearly that wasn't the case? Why? Why? When you guys sit down, you're like, oh, it's okay. I have the money. Oh, it's okay. I have the money. Oh, it's okay. I have the money.
Cause I thought I had, I thought I would be able to pay off the debt with my paycheck that I would get like, so I would, I would see like.
What does that even mean? You pay off all your debt in a paycheck?
No, like I would get money, like chunks of money from my paycheck into my checking account and then I could use that to spend to, to pay off parts of my credit card. So that's what I was doing it for when I told him that I had money was that I was, I was.
And was he aware of this entire situation of the credit card balances, how much you were putting towards it?
He doesn't look at my balances.
Doesn't look at your balances because you do not provide or he does not ask?
He doesn't ask. Um, I don't provide them to him, but he just gives me like, he just asked me like, what are the balances like now? And.
So at the beginning of the year, you're like, uh, okay, let's talk about finances. And she said, everything's okay?
Yeah. I mean, we were tightening our belts a bit because.
Well, why? What was the wake up? What's the tight in belt?
Well, escrow went up about we're an overpayment on our mortgage.
Well, I would also say 80,000 hours of bad debt is, uh, something else to be concerned about.
Yeah. I wasn't aware of the total all the time.
You weren't. What did you think it was?
I was trusting her to take care of it. So.
So you didn't even know what it was? You didn't even have a concept?
I didn't. I knew there was a little bit of debt because we.
Why were you not communicating and telling him what was going on with the financial picture? As your nine year in with a child relationship and marriage? Why, why, why, why not make him aware?
Because I, I, I'm just afraid about how he's gonna react. Like I'm.
What? Does he fuck you? Slap her?
No.
Okay, then what are you afraid of?
I, I, I mean, he just, he gets kind of confrontational and I like say.
What? Do you slap her?
Then what are we afraid of?
I, I.
She's afraid of.
I.
What you're doing.
Yeah, like, I don't know. Like, I just, I, I, I, under pressure and stuff, like when he's like, you know, telling me about all of these expenses and like why I spent so much money. It's just like, I kind of shut down. And I'm just afraid.
But they're your actions. They're your actions. Why are you not able to discuss the negative impact that you're having on the relationship? Isn't that the point of a conversation is you have that conversation to address it?
Well.
You can't just give up and shut down, especially when a kid is in the picture.
I just want.
That's not fair to anyone else.
Dory, like, I just want things to be fine and.
What the, like, that's not a solution to anything. That is not an action plan.
I just don't, I just don't want things to escalate with our relationship and that's why.
To what? To what? Does he slap you?
No, he doesn't.
Then what? What are we escalating?
I just, I don't want him to yell at me. Like.
Does he yell at you? He screams.
I mean, he gets like, he just gets.
You get a little screaming?
Sometimes, but it's like, it's just kind of like.
No, no, no. Tell me about these conversations. This is important to know.
She's kind of been the breadwinner and I've been trusting her that she's keeping up with what she says she's doing. And I've also been noticing a lot more that she likes to kind of keep up with the Joneses. Like her sister does something, she needs to do something.
Lifestyle creep.
And.
You have a little boo boo creep. It's not even lifestyle.
She sees influencers and she like wants the little boo boo. She wants the, she wants the bag from Disney. She wants the.
We're gonna do a little thing where the other person can't hear what the other person's talking about.
Okay, so Brad cannot hear us and I'm doing this so that he can't read my lips either. I just want to know first, I'm just gonna start. How has he contributed to this financial situation in your perspective? The financial situation there we are walking into now and having a conversation about?
I think he's giving me a sense of stability to tell me that this is really important to get financially secure. I think what he is, of course, he's providing his income, which is a big part of it. But I think what he's trying to tell me is that we need to stop spending things for treats and we need to-
So him stepping in and being like, yo, we gotta control this [BLEEP]. That's his contribution. So it's all on you.
And you've done what? Nothing at the beginning of the year?
I-
Was when we had the big conversation and I have your last month.
I did try doing stuff like I did-
Tell me how much the household spent last month.
We know it comes in about 10K, nine, what is it? 9,200, 9,400?
I think maybe like 11?
Okay, it was $22,229. You don't know what the [BLEEP] is possibly going on.
I did not know it was that much.
Are you prepared to be a single mom here? Because the dude is literally confronting you, ready to leave if we do not solve this. Ready to leave you if you do not step up and actually bring a sense of maturity to this relationship for the first time in your [BLEEP] life. First time in nine years. You ready for single motherhood?
Cause that's what's next.
No, I'm not, but I-
And why haven't you changed a single [BLEEP] thing? Cause that's this last month is $22,000.
I, it was a lot. I mean, it was a lot of things that happened. Like I just, I, I spend the card to be able to pay for our normal, you know, day to day things. I did things like I paid for, um, you know, our trip that's coming up in January, like-
$750 went out to eat, missed, I don't know, shopping was $1,500, but even more so, miscellaneous [BLEEP]. It could be video games, could be whatever, could be tennis, I don't even know. Could be anything that is miscellaneous [BLEEP]. $4,127. That's your critical expenses needed to survive?
I I needed to I so this is the thing so I got I got this thing with with Amex, which was American Express, the platinum card, where I got these points. So what I wanted to do is I wanted to pay for our vacation. So that's what I did. I paid for our vacation. That's in January. So I could be able to get the points.
Vacation.
I can't end the vacation because the tickets are.
Here's the reality. You're choosing a vacation over your husband staying with you.
Well, it's for my family.
For your family. However, he said he needs to you guys. You need to fix this financial situation. You're a part of it, or he's leaving. And this is something that you are pushing for. This is something that you are paying for. How much did you spend on Popmart last month? La Booboo's.
Probably like 700.
Yeah. Yeah. And he's willing to leave you and you're choosing $700 in La Booboo's. That's what you were choosing over your marriage and your child having a fully combined household that doesn't have to go back and forth every week. When did you learn in your perception that things were so dire here?
A month ago. Not a not six months ago when he was asking how your finances were and you're just like, it's okay, it's okay, it's okay.
He never, you know, he never asked about it. He was just like, you know, seeing things coming out and I would just buying stuff and it was, you know, it didn't matter because we make a lot of money. We make almost $10,000 a month. So I mean, if if we figure out a budget, like I'm hoping that you're able to give you're able to give me later on.
So instead of you taking any accountability, any action, any kind of effort on your end, you're waiting for me to come fix this. Good luck.
I need a budget. That's what I need.
Congratulations. He was literally any budget and preferably mine, but it would have done it automated.
I do use it.
That's great. How'd you say that you spent? Only 50% of what you actually spent last month. Incorrect. Lies. Bull. I want to talk to him now.
When did you start considering whether or not you guys should divorce?
Saw the balance of how far we were in debt. Like, we brought in, like, we had a conversation earlier this year. I thought we were on the same page and thought we were gonna do well, like, we sold her car.
On the same page, six months ago, how clear were you trying to ask about her financial situation, trying to understand it? How clear were you?
Uh, not very clear. I was trying to take on the aspect of being a trusting husband. I was trying not to be mad. I was trying to, like, you know, let her come to me if there were any issues, because up until recently, I didn't think there was any issues.
And you brought up the divorce a month ago, but you said you started thinking about it when you saw the balance. When did you start seeing the balance?
That same day, basically.
Really?
Have you started to see any change?
Yes, I have been putting my foot down a lot more.
So it's you. It's you stepping up. It's not her.
It's me. I'm worried about my son. I'm worried about us as a couple.
I grew up maybe lower middle class and went without the things that I wanted, and I want him to have those things. So it's very...
Why have you put up with her out of control spending for so long?
I love her. It's hard. Like, I want us to be a whole family, because my parents divorced. I don't want my son to grow up in the same situation.
How long are you gonna put up with it? How long? How, like, there might be an insta-change, right? Especially if you're the one that's honestly forcing the change, if we're being honest. But how long are you willing to give her before you call it and pull that trigger? What are you willing to do in terms of time?
I'm willing to work with her to fix this situation.
I know, but what's that timeline?
Again?
Again, what if she's continuing it without you putting your foot down? You can't put your foot down endlessly. That's not, that's not something that's gonna lead to a halfway relationship forever. You controlling, that's not gonna do anything.
Well, by...
In terms of permanent change, that's just you fixing it.
I didn't know her spending was this bad. I just...
And how long are you willing to put up with that? Let's say you take your foot off the pedal now and it continues. How long are you willing to put up with that before you say, okay, that's it? We've done it.
I don't know, but I know that point where I'll get to it, basically. It's hard to say. Like I said, I love her. I don't want my son to go in a broken household. I'll know when it happens.
The reality of the situation is, I mean, you guys were on the same page about one thing. One thing, and that is the fact that he agrees. He did not communicate effectively six months ago that he really wanted to understand what your finances were. It was a light communication. But why do you think? Why do you think? He didn't push hard to truly understand your financial situation six months ago.
And I think both of us, we just try to avoid confrontation when we have stuff like that happening.
In a way, yeah, it kind of sounded like that. I mean, he didn't want to be overbearing, you know? He loves you. He didn't want to be that overly controlling person. But what you guys were very far about is you think you're making changes. However, he completely disagrees. He thinks he is putting his foot down and forcing you to make changes. And you're not actually stepping up. He thinks the only reason you are doing anything.
I am. I'm stepping up. I have stopped buying, buying just random stuff, random shit. Like I've gone and just, you know.
I, I, I haven't bought anything. I haven't bought anything other than what we need for the house.
All we do is fight about money, so.
Right now, I, he's, he's seen me put my credit cards in the lockbox in our safe. He's seen me only buy stuff at the grocery store or only pay for gas. I haven't been spending money anywhere else.
And I constantly have to shoot you down on this cutesy little item from Etsy or at the store. Whatever. Doesn't really matter where it's coming from if you're spending money on it.
I mean, it's, the reason why I'm spending money on it is because I.
You know, I, I feel like I lost out on my childhood, just not being able to have things like this, you know, like.
Shut the up. Wait, oh, I mean, come on.
Yeah, I think eight years of Disney should kind of make up for a lot of that. Yeah.
Wait, eight years at Disney?
We've had Disney passes for eight years.
You can't afford.
You can't afford anything. He's about to fucking walk in and choosing Mickey. Buddy, he completely disagrees.
Disney. I love Disney.
Which is fine.
It's part, I mean, it's part of my childhood. Like.
Congratulations. Turn on the Disney Channel. You always wanted to go. You've been going for eight years.
I did.
You've been going for eight years. You've always wanted to go. You've been going for eight years. You can pause.
They have new things that happen all the time at Epcot, like you can, like, I like going.
Or Ginger's dick. You gotta choose.
God, I've had, I've said the same goddamn thing.
You're standing up and you're talking about this too?
Yeah, I know Evan.
What's your pushback on the Disney?
He just doesn't, he just doesn't go.
She sees like little one night.
He doesn't even go.
Barely.
It's like sometimes he just doesn't go. Like he's just like.
Just for you.
It's for me and my son. Like I want my.
Two.
He, I mean, he likes the characters. He likes going out.
He hates.
No, he does really like the characters and he really loves Disney. Like.
He's two. He can't remember things for at least the minimum another year.
He likes the watermelon from the freaking resort. That's what he likes.
I mean, he likes the food. I, there's like.
There's other things there too. There's like playgrounds, like, like Epcot has like this little water like feature that he likes to play in.
You don't have to defend it. He's two. He is two. He has no memory.
But I'm, I'm getting him into like.
Two, he has no memory of this. Also, but his father's about to leave. What do you think his timeline is for leaving if you don't change? And again, he says you're not changing. He is saying he is forcing you to change. But essentially, the insinuation is if he stops putting his foot down, you're just gonna go wild again.
I don't think that's true.
Why?
And you disagree?
I'm changing. I, I, I, I applied for a job that pays a lot more. Um, I'm gonna use that.
Round of applause. She applied for one job.
Big change.
It pays a lot.
Yeah, but you applied. We can all go apply for jobs.
I have, I have a, I have great experience. I have really great experience.
This is not an employee's market.
I, I, I contest with, especially in the field that I'm in.
The Bureau of Labor Statistics disagrees with you. This is not, no, no, I am saying that's a, that's a great job. I'm sure.
It pays a hundred and fifteen thousand.
I'm not, I'm not disagreeing with the job existing. You're not in a job market right now where you can just walk into a job. A lot of people are gonna try to get this job. This is very different than it was 2021.
I disagree. I feel like I'm very, very highly valued and I think I'll probably get the job. So.
Okay, I hope so. I'm glad you applied. Applying is not a, I'm making a change though. You literally applied for a job. And also no offense, but someone like you that just blows all their money. It's not an income thing. We already know you guys make incredible income. This is not you needing to go make more money. That is not the change that we need to see here. This is you cutting back, making sacrifices, not going to Disney every second of your life for the sake of your family. This is not a, you go get a better job. That is nothing I've brought up. I did not bring up once that you guys are not making enough money. You guys are making stellar money.
Brad, what do you think the household spent last month? The month that she is changing, the month that you put your foot down. What do you think the household spent last month? We know what comes in. Nine thousand two hundred. What was spent? Probably eleven thousand. You both said the same. It was twenty-two thousand. Twenty-two. That's putting your foot down? That's her making a change? So I'm a little concerned.
Like I said, that's not normal expenses. Those are expenses for.
For a future trip that we want to do. Critical for survival, critical for keeping our marriage together.
My sister is getting her vows renewed and I really want to go there.
It's a vow renew? I don't give a, I'm sorry.
She couldn't, so we couldn't go last time because she.
And it sounds like you can't go this time because you up everything.
She got married on insurrection day, so she wants to have her vows renewed again. So she got married on January 6th, insurrection day. So she wants to vows renewed and she wants.
Celebrated every year?
No, no, no, no. She wants her family there to be there for her vow renewal.
Are you saying your entire family was at the Capitol on January 6th?
No, I'm saying she got married on January 6th. No one could be there because it was in the middle of COVID. So she's having a vow renewal for us to be able to go and celebrate their love.
Which I love, I love, but I mean, that's where you have to communicate to your sister, hey, I completely up my own marriage. By destroying the finances. You're just finding how much on this? How much on this?
Bradley, how much on this?
Uh, she told me 5,000.
What? For a trip to vow renewals? What the are you on? That's not a trip to, where is it?
Hawaii.
Oh, oh, no, that she can't feel, then she can't feel bad if people don't come and she's doing a destination wedding in an expensive place like Hawaii. That's not her.
We've never been to Hawaii and I've always.
Congratulations. You've also never had a successful marriage where you both understood the financial situation in the marriage. And now you do, and it's headed towards you guys jumping off a cliff in Hawaii. So.
Or push her in a volcano. I don't know.
I, I, I really want to go Hawaii because I never really, I never, I never really went on trips when I was a kid.
Oh, what is this?
It's gonna be like a nice bonding experience to do with my family, you know? It's, it's just, that's why I want to go.
I care about your guys' bond staying together and also.
Well, I mean, he's coming with me and my son's coming with me too and we're just gonna.
Doesn't have any memories to form? Yeah.
I mean, he's gonna go and see his family, like my side of the family.
And he will not remember it. I, what?
Yes, he will.
No, he won't. He is not in the memory age.
He'll look at pictures and he'll remember when he's older.
Nope, those are false memories.
I can't refund the trip. They can't give me money back for it and I had thought about canceling it, but.
How much did you spend?
Uh, about six thousand for it.
Number keeps going up.
Why is it costing six? Yeah, that number is going up. Why is that number going, right? No, no, no, pause. Brad, why is that number going up? Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most lenders only see a number. Interest rates under six percent guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a cosign a release program so your mom or dad can step off the hook. Y Refi is known for personal service, no faceless call centers, you get a dedicated rep that actually cares about your progress.
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I, I, I mean, it was other things too that you had to add on it, like, um.
First of all, why is it six thousand dollars?
Because the flights are expensive to, from Orlando to Hawaii. They're very expensive.
I made a joke about first class. And next thing you know, she comes to me like, oh, I bought first class tickets.
I didn't buy them. They came with the points for Amex.
Then why is it costing us $6,000?
Because they came with the points with Amex and they got applied and I needed an additional amount to be able to pay for the rest of it.
Thoughts?
Dude, what are you doing? He's on his way the fuck out and you're getting first class Hawaiian tickets? What world are you living in? And I am sick of this childish, this childish excuses. I didn't travel as much as a kid. Who gives a fuck ever about that? Stop being a literal babe. That is the most baby excuse I've heard about anything. You know how much I haven't done? You know how much I didn't do as a kid? That means I have to go do it all and risk my entire financial future for it? That is ridiculous. That is moronic beyond moronic.
So.
Guys, I didn't live in a $10 million house as a kid.
I lived in poverty.
Go experience that. I was getting foreclosure notices on my house as a kid. Do you want to get, you want to jerk this off? You want to jerk each other off on the poverty fest?
I want to tell you, there were some times that we didn't have food on the table for dinner. There are, there are times that, you know, my mom.
What did they spend all their money on? Let's be honest.
My mom and dad were very poor.
Very poor, but where did the money go at all times? I had spaghetti for dinner every single night. It's all we could afford, blah, blah, blah. We don't need to do a poverty jack off class. We've all been there. Okay? Okay. We all grew up lower. That doesn't mean you go and completely repeat the cycle and make sure your kid gets.
I am just trying to fill the holes that I had in my childhood and I feel like I pay my bills. So I deserve things. My family deserves things. Yeah.
Fucking entitlement do you have? No, I think the one thing that is deserving is your kid was born unconsciously. That kid did not have a choice. So set them up for success. Instead, you care about getting pictures of them when they have the inability to make memories.
Instead of setting them up for success with a college fund with retirement for their parents, so they don't have to put their life on hold in their mid twenties, mid thirties to fund their parents because their parents did absolutely nothing, all for the sake of images and la boo-boos. Filling the holes, fuck you filling your holes. How about you not repeat the cycle? Cause you're repeating the cycle, if not even worse. Cause you know what's sometimes worse than being poor? Wealthy people that get themselves into an inescapable position. Cause poor, you can go up. When you become in this position that you're in, where you're having a little bit of fun now, you make it so you will never have a future and you will be fighting and fighting
and fighting for the rest of your life to settle debts, to go through bankruptcies, to try to exist, to try to not have your mortgage taken away, not have your house taken away.
I feel like we still make good money and I think that-
You do make good money. You are pushing it to the edge. We know that your household income net is what has totaled your entire bad debt package.
You know what? It's not gonna, like this debt's not gonna matter when-
Go on.
Honestly, I just think YOLO, like it's-
Yay for the kid, yay for you. What the is wrong with you?
When you're dead, but if you want to pass any assets on to your kid, it sure the will, cause they'll have to settle your debts. So you're just gonna accumulate all debt forever? Good luck. Really fucking over the kid and any future ones that come about.
He's gonna be the only one, but-
Well, so you're fucking him. And because you can't afford another one.
I would like to have another kid, so-
Are you serious? So we want to have another kid, but we can't afford another one? Because if your actions and your selfishness and inability to change without him putting his foot down, you will not have another kid. The household, the life that, the family that you guys want to have, you are prioritizing, to be clear, la bo-bo's. And like literally.
Over future children and over your kids future. What the fuck? I think she should have an ultimatum. I think you are correct in the ultimatum you gave. Thought maybe it was a little dramatic at first? No. What the fuck? You guys want to have another kid, but you're saying this is the only one because you cannot afford another kid? When in fact, you guys compared to the median household in the United States should be able to afford another kid more than anyone. Median household in the United States, what is it? 65, 65,000 hours? Austin's like 75,000 hours. Orlando, I'm sure it's around there. You guys are well and beyond. You guys are the ones who can have a large family and it would be perfectly fine. No assistance needed. Set them up for success and you are saying, no, fuck it.
Yeah. Huh. Huh huh huh. Bradley thoughts on hearing all that? Cause what the? What the fuck?
It's been my thoughts for quite a while, honestly. I can't. I'm having, I have trouble verbalizing it. I'm very introverted. So. I'm.
Introverted. You have to be able to, I'm introverted too, but I can stand up for myself with my significant other. You know, it's only like seven months. You guys are nine years. It's a little different, but that should even suggest more than anything that you should be able to stand up for yourself.
Yeah, yeah, just.
We were doing good for a while and then just lifestyle creep, inflation. And I was just kind of used to her making all the money. Cause I honestly, I was going through college. Why we first met, I was trying to get out of the automotive field, go into IT, make more money, make better money at the less. Expense on my body.
And I guess I just got used to calling her mama warbucks and was trusting her to take care of her.
You, why? And what did we set up to trust? Where did that trust come from? Cause look where we are today. It's going to take us a while to go through this. I can tell.
Where did that trust come from? Or was it just the trust in marriage? Trust the love.
The marriage and family.
And now that trust of marriage, love, family, is it not broken?
It has been, yeah.
What are you gonna do about that?
Certainly eight, six thousand dollars in first-class tickets to Hawaii.
I can't cancel them. I would, I would love to cancel them to make our relationship better, but I can't. So I guess we're going, but.
Sure, twenty-two thousand hours of spending making nine thousand two hundred.
That was just a one-off.
One-off to you. That is not true. It always gets replaced with something else. We all have weird months, but every month is weird. Everything gets, the weirdness gets replaced with something weird the next month.
I don't know, just the last job I was making well over six figures. So I, I felt like that, you know.
So we don't have the maturity to adjust?
Well, I mean, I, when I, when I was making that much, I felt justified spending as much as I spent. So.
But you were probably overspending, or else you wouldn't have been in credit card debt. That, that still doesn't make sense.
To be fair, she, we didn't have a kid at the time. We also had one last dog. We were living in a, living with my mom.
Then why extra were we going into credit card debt?
Well, we were in debt when we were living with his mom. Like we, I actually say this, that was like back in twenty twenty-two.
So we went into eighty thousand hours of bad debt in a couple of years?
On just her actions or would we say combined?
I would say combined mostly, I mean.
Brad, do you agree?
I admit I'm not the saint or a saint at the very least, because when I see her spending money on herself, I get jealous. Envious, I don't know the correct word, but I also.
Then what do you do? That's an immature reaction. What are you doing? Well, it depends on your action after, but.
Well, I'll buy myself a computer monitor to get myself.
How, how many times can you do that?
A computer processor. Um, it's not very often, but.
He's a gamer. He was listening to Zelda in the headphones.
Pretty close. And he's been, he's been, since he got here at nine thirty AM, he's been down in hard Mountain Dews, by the way. Is that what's in the mug? Yeah. All right, Brad's a fucking creature.
I do want to mention something that I have seen on your shows and you probably will think this is pretty interesting. So I'm actually a Marine Corps veteran, but I don't receive disability yet.
Well, the first one ever. And again, it's not that disability is bad. It's just interesting that it's been literal, like a hundred people on the show or something, many of whom never went overseas or did anything well. Why?
So I am working on trying to get something, but.
Okay. Well, for fuck's sake, okay.
Right now I get medical.
And what was your service?
What?
What'd you do?
Well, I was in basic training and then I got hurt, so I got out.
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After like several months, so.
But I got hurt. Yeah. So that's why.
I'm gonna go three, two, one, go. And on go, at the same exact time, you guys are going to give me your household financial score, okay? Zero to 10, zero being the worst, 10 being the best. Three, two, one.
One.
You're the one fucking it all up and you think you're higher. Why?
Uh, I mean, I, I feel like the income's there. I feel like, um, you know, we have, we have 401ks, so we have some kind of retirement.
How much is in our 401ks at 35?
My, well, mine's not a 401k, mine's an IRA, so mine is-
No, your guys' retirement is $17,578, dramatically behind. That would be about a 1 out of 10 for retirement score. Dramatically behind for 35. At your income levels, you'd wanna be at about, I'd say, 150, 175.
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Well then take the train if-
And brand new shows, Fat and Fatter.
That is, that one is- I would go off-brand.
Behind the Audit.
This was wild.
Hammer versus internet.
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It's okay, it's worth it.
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Okay, if you want your financial score, take the assessment. It is free. Link below or at Calebhammer.com. Remember, if you don't want to be like someone that ends up on the show, just download our Dollar Wise Budgeting app. Take the free trial. Take control of your money. And if you sign up for the annual version to save a lot of money on the premium version, I will sign our budget-friendly cookbook that can't be purchased anywhere else and I'll mail it directly to you. And if you want all of our educational programs and the premium version of Budgeting app combined for 80% off, go to dollarwise.com and join Dollar Wise Central. It has literally changed tens of thousands of people's lives and it can change yours as well. Okay, we're gonna get into these financial documents because there are a lot of them. By the way, Miss Laney's bull told her, didn't tell you, $2,500 in this last month. That doesn't
include going out to eat, doesn't include unknown purchases, which are usually Amazon, Walmart, things like that, that we cannot tell what they are. So, real bad. Now, credit cards, they tend to be with you guys quite separated, not a lot of authorized users, right, on each other, not a lot of sharing in between?
Not necessarily. We do, we do have a few credit cards, but they don't have any balances on them. And we do have also-
Oh, those, if we have credit cards that don't have balances on it, and then I have this stack, that means you guys have way too many credit cards.
It's fucking crazy. What's the, who has the American Express Platinum?
That's mine.
What the is going on with this card?
That's the card that I use for travel. So every time I travel somewhere, I use it for, um-
Every time we travel somewhere, why? If you know you are drowning in debt, and even if you wasn't aware of it at the time, you at least knew you were drowning in debt. You could pay your minimum payments that are certainly not enough, but you were drowning in debt, certainly behind in your retirement. Why the are you allowing yourself to endlessly travel?
Because I told myself that I would travel when I got older and it's not-
What is this weird obsession with your childhood and your adulthood?
Cause like, I mean, I like-
Your separation.
I like going on vacation, like I like visiting my family. I like visiting his family. He wants to go and-
You like, wants, likes, wants, likes, wants. Need? Haven't heard it.
I mean, you need to see your family every once in a while.
Need critical for survival. Listen, I very much want to highly support it. Definitely a top want for sure. You guys will break down and die and your child will die in poverty. If you do not see a family at this exact moment, when we are dying in credit card debt. Road trip it up. Where's the family?
Uh, my family lives in New Mexico. His lives in Illinois.
Perfect. Easier road trip.
That's a long road trip.
Yeah, we've all done it. Come on.
That's really long. Have you seen the size of Texas?
Like Texas.
I live in Texas.
Yeah, it's three days of driving in Texas to New Mexico.
I would say it's a full day, but.
No, no, not through I-10.
Yes, unless you guys stop every six hours to sleep.
We have a toddler. Like, we have to stop, like.
That's fair. That's fair. Uh, but also remember the toddler does not need to see the family. I understand the family wanting to see the toddlers, though.
Shouldn't be traveling like this. And even if we are, I mean, flights to New Mexico and Indiana, Illinois should not be the absolute worst. You guys are living this up or doing it way too often. Cause listen, the balance here is $7,747.94 with a minimum monthly payment of $220.05. New charges, even though we can't pay it off while fucking.
Well, no interest there. Shit, fees, $560 of fees. What the fuck's that?
The annual fee.
Oh, dick.
Why do you need this? You don't need this.
Yeah, I need it for the lounge access because we have a kid.
No, because you shouldn't be going on trips.
I think we should.
You think you, okay, congratulations. There you go. You've heard it again. Brad thoughts? Because what the?
She's not changing.
I mean, life is enjoyable and I want to.
I believe I asked Brad a question.
I want to be the main.
I still asked Brad.
Well, she definitely has some big main character energy. She likes to be front and center on a lot of things and.
I'm only O2. You know, right?
Act like one.
It's almost like it's all made up.
Yeah, almost like, uh.
It's not made up.
Sixty thousand dollars in debt.
Our patterns changed based on our trajectory in the galaxy endlessly. What the are you talking about? This is just what it looks like right now, the night sky. It changes in hundreds of years, especially thousands.
It goes deeper into that. It's like about spirituality and.
I agree. Come on. What, what else?
I just said the same thing.
She says she's unwilling to change and it's caused to the Leo.
That's an interesting, please don't divorce me tactic.
Yeah, I, I don't know.
I think we should still have fun with our lives. I think, I don't think it's, it should all just be just bills and.
It's only all bills because of what you've done, though it shouldn't be. You actually would be able to budget in a lot of fun, but you have prioritized way too much fun to film some deep bowl trauma, if I'm being completely honest. Like you, go see a therapist, don't over your entire family.
See a therapist.
See a therapist harder instead of over your family.
It's, it's ridiculous. Your life is all bills, not because of what you have done, it because of the life that you've lived. These are the consequences of reactions now. Your lives aren't all bills because you make no money and you're just trying to afford to survive. This is where you put yourself. So yes, actually, life should be all bills based on what you've done. These are the consequences. Welcome to the world. Welcome to reality. You're living in it. You deserve it.
I just don't have any financial literacy. Like I've had to learn all this stuff on my own. I've had to learn how to use credit cards on my own.
We all.
Don't listen to me.
No, I mean, my family, they never had a mortgage. None of them retired nor none of them had credit cards. So I had to learn all this stuff on the go. You know, I used to be homeless. I used to have to learn how to open a bank account, how to go to college, how to do student loans. Like I had to learn all of that on my own.
Let me play a sad song for you on the world's smallest violin.
It's.
I mean, most of that's.
Pretty chill. I personally would rather come from a family that didn't have credit cards because the first thing they told me at 18 is go get a credit card and max it out on something you want, basically.
Well, my grandpa told me that if you get a credit card, just buy gas on it and then pay it off.
Oh, no. She completely negated everything she just said. Sounds like she actually did get some financial advice when she was a kid.
That's the only thing, though, but my grandpa never had a credit card.
The next thing, because you immediately came in with that in the back and forth. So you had more, actually, you had more credit card financial responsibility talked to you than the average American, including myself and probably him. Well done. Nobody needs to teach you how to apply for a mortgage. That's fine. You don't need to know that at 18. Student loans, I mean, that's pretty chill. Again, I know you're five years older than me. You had access to the internet. You had access to student counselors. Okay, so that one solved. Mortgage, don't need it. Credit card, you got the advice. Personal loans, I shouldn't be talking about. What's our other complaint? Our other wah wah wah? Homeless, that sucks. But that, again, doesn't, if anything,
that teaches you not to repeat the cycle, not wanting your kid to go through that, if anything. That's one of the reasons, again, I was not in that bad of a financial situation, but one of the reasons I took finances super seriously in my slightly early and then definitely mid 20s was because I came from a financially unstable household. So you going through that should encourage you to have gone out there and actually tried to better it for the sake of your family and your kid. So I don't want to hear the bullshit excuses. None of us come from financial literacy. It's barely taught in school. Some states, yes, some school districts, yes, but come on. It's a Passover class. Sometimes it's an optional class, and sometimes it's not even taught.
So, wah, move on.
So she thinks you guys shouldn't prioritize bills in your life.
I mean, I think we should, but I think we should also, you know, think about having good memories.
It's kind of know what should prioritize having memories.
What are we gonna do? Just stay stuck at home and do nothing?
There's a lot of things to do besides just going on massive trips and expensive parks. There's a lot to do.
Yeah, we have a pool in our neighborhood that I pay.
Hot as shit.
That's what a pool is for.
But anywhere near the crazy in Florida.
Couple hour drive from the ocean as well. Get a picnic going.
I guess that's true. Yeah, that sounds like a, like a good idea.
Yeah, and it's free for the most part.
Well, it could be a cheap picnic too. Like, I'm okay with spending a little bit of money. You guys make money. I'm not gonna give you a zero dollar fun money unless it's like so tight that you can't even come close to affording life. Okay. And these minimums payments are certainly gonna stack. This is just one document and it's $220. Uh, wine and spirits, swab tactical, Vera Bradley sales, go and get some bullshit. Come on, what the is happening here?
This statement's ridiculous already. Central Florida Zoo, I think?
That was for my son. I took him out on a Sunday.
Two year old, two year old. If he's five, we're having a different discussion. He is two. I understand.
What is he supposed to do? Just stare and watch like a screen at home all day?
Are you a bad mother? You can't think of anything else?
I mean, the zoo is fun.
Cocoa lemons is the only thing you can think of that's not a zoo.
I did not show him cocoa melon.
Yeah, we don't.
Cocoa melon is like, that's like brain rot. No, we don't show that.
But if you can't think of anything else besides going to a zoo for your child, I'm kind of scared.
I mean, it's free every time we go.
No, you pay for a pass.
It's free every time we go though.
You're paying for a pass and I and that gets you a discount and in park purchases, right? Like you're still paying for things where you're there.
I usually don't buy anything in the park.
Does she usually buy things in the park? Churros.
There's no churros there. What are you talking about?
Yeah, cuz you eat them all.
There's some times that we'll do the character meals and stuff like that.
That's something.
But not that often. Usually I'll just bring snacks for for my son and you know, we'll just go and.
One hundred dollar backpacks that. Of which the producers were told that you sometimes spend about two hundred, three hundred every visit. Visit trip to Disney on food and merch.
It's not every single time. It's not every single time.
That's what you told him on the phone. So you, oh, you're on camera now changing your tune. Ah, I don't think so. I trust them. They're much more willing to share all their deepest, darkest secrets when it's just over a phone to the producers. Once again, on camera, they get a little nervous and they a little backtrack. Not gonna allow it. Not gonna allow it.
Especially Colton. He's a sassy gay. He can get anyone to tell them anything.
Like anyone like him and Lindsay both combined are an ultimate force.
Told you that in confidence.
Oh, my God.
Uh, rest stop, crater shop, food court, cafe, Uber Eats, Uber Eats. We're choosing Uber Eats. When you're complaining about bills, you're really just complaining about affording Uber Eats and going to Disney, getting merch and and zoos. It's a two year old. By the way, these trips you're doing for the two year old are for you. That is the reality because it's not really benefiting him.
Obviously stimulation, yes, a lot for kids, a lot for kids that doesn't necessarily need to involve zoo, Disney, trips, on flights, Hawaii, first class.
So then what are examples of things that are free for a kid? Like we, you know, we give them a coloring book.
Oh my gosh, parks are fantastic. I don't know if you've heard of them.
It's hot in Florida.
It's hot here.
It's hot at Disney. It's hotter at Disney for some reason.
It's true.
I've sweated my ass off at Disney way too many days during the summer.
And I bet that swamp ass thing, looking at you guys.
Level two swamp ass.
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Cafe, Chick-fil-A, McDonald's, photography, cafe, getting BS, getting BS, Bath and Body Works, Old Navy, Old Navy, Chipotle, Disney Plus, Old Navy.
Old Navy.
And you also insist on staying at Disney property even though it's super expensive and you live in Orlando.
I like the experience of staying at the hotel.
First time she did it and deflected to her kid. I guess we can give her a high five for that.
Yeah, well, she can't take me because I hate the fricking characters and the meet and greets and. If I have to see goofy one more time, I'll punch him in the face.
He does it for me. I like Disney a lot.
Yeah, and I've stopped doing it. Get the hit.
I would like you to continue going with me in Rowan.
I don't want to go.
I'm not anti Disney. You guys can afford to go to Disney. Go to Universal, switch it up a little. I don't know.
Go to Cedar Point if you want real rides. Trust me, much more fun.
The zoo is cheaper.
But you have prioritized you over living for so long now that now it's time to pay for everything you've already done. And then you can budget in doing more things in the future. Oh, my gosh, this is crazy. This spending alone on this credit card is crazy. Here it is. Barnes and Noble. Go to a library. I know you have it. Hawaiian.
I was getting books for or for my son.
He is a two year old. Go to the library.
It's always close.
I agree. I agree. Picture books, fun. Read to the kid, fun. Go to the library. You can't afford life. I mean, again, this actually Barnes and Noble purchase within itself is not bad. It is the overabundance. It is everything that you are doing. It is an endless stack up of everyday purchases, living well beyond our means and not paying on any of the debt that we have. Airlines, airlines, airlines, airlines, airlines, airlines, airlines. Off. Airlines, airlines, airlines, Amazon, Amazon, Amazon, Rover for pet sitting, Uber One and Old Navy.
There's your annual membership fee.
We've had plenty more fees than that this year. Why?
Uh, because I upgraded from the gold to the platinum.
Well, also nearly $200 in interest this year so far has accrued. Great. And I'm glad we're paying membership in order to pay interest in order to completely our lives. Costco. Who's is the Costco card?
Mine.
Okay. And what is going on with this?
Uh, I did a balance transfer on that card.
When? Cause you're purchasing a thousand eighty-four dollars and nine cents in the last month alone.
I was using it for pop mark purchases.
All right, Costco card?
It was, it was.
It said fourteen thousand, three hundred sixty-four dollars and fifteen cents with a two hundred nine dollar and eleven cent minimum payment. Again, la boob is more important than la kid.
I, so it was more of a lazy thing for me because I had the Citibank on my PayPal and I was using PayPal to quickly try to get the la boo-boos because they're really hard to get. So that's why.
Apparently not hard enough because this is, okay. Pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart, pop mart. It's like a thousand la boo-boos.
It's actually like twenty.
And they're hard to get? Shut the fuck up. Twenty la boo-boos in one month. Fuck off. You're choosing this over your child. You're choosing her over him. What do you think of twenty la boo-boos in a month?
How much did you spend total in la boo-boos?
How much do you think she spent?
Hopefully not more than three hundred.
Try doubling that plus seven.
Seven hundred dollars.
Round it up. Seven hundred to la boo-boo and Discord, Etsy, Swim Life. Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. You're also paying, she's paying her payments for PayPal paying for on here. So she finances something with PayPal paying for, and then she pays her payments of her PayPal paying for on her credit card that is accruing interest. What the possible tip? That is insane.
Oh yeah, that kind of defeats the purpose.
And she did that one, two, three, four, five times. Five times.
I think that the pay in four is a little easier to use.
Obviously not, because you have to pay your pay in four by using your credit card. And it gates it. Just put it on the credit card to begin with.
Which, no, I don't recommend, but that's basically what you are doing. You're just taking an extra step plus potential fees.
Skip the middle, man. Jesus.
Like, why? What is the logic?
I don't know. I just thought that, yeah.
But you put it on a credit card. Why?
I guess that makes sense. I, okay, so, no, what you say makes sense. So, basically, with these La Boobos, um, which I'll show right here.
Yes, we, we haven't seen it four times this episode.
So, basically.
I'm living with 21 of them.
So, trying to get these is really hard. So, you kind of have.
Why you get 20 in a month?
So, you have to be like really quick to try to get them. Um, you know, it's like, it's like trying to like, like, like, refresh the page and then you finally get it and you get the one that you want and you do the blind boxes.
I'm so sorry. Why are they more important? Why are they more important than everything? You can explain all this, but why are they more important?
It's just a sensory thing. Like, I like having, like.
That means you only need one.
I like collecting things.
And that is more important.
You haven't answered why it's more important.
More important than what?
Paying off your debt, your financial future, keeping your husband around, paying for your kid's college fund, retirement, so your kid doesn't.
I don't think about it when I buy. It's just impulse.
Okay, but you purchased it endlessly, like, once every day and a half.
So, buying the La Boobos is kind of like.
I didn't get La Boobos as a kid.
It's kind of like gambling, I would say. Like, trying to get them online through Popmart is kind of like gambling. Like, you're trying to get the ones that you want, and if you can't get the one you want, you get, you just keep the one that you got. You got, you got duplicates. So, I keep the duplicates.
If you slap her.
I now support it. That's a lie, obviously. That's a around, but that is so dumb.
I did give one to a little girl on the plane and she was really happy about it. And I also gave it to my nephews too, like my duplicates. And they're really happy. Like I am wholesome with them.
Son who's
He doesn't know about the boo boos yet.
Doesn't know about anything yet. You take him everywhere. To every expensive thing possible. You can't use that La Boo Boo logic.
I want to spoil my kid.
Uh, that ends in bad results as well. You're gonna be entitled freaks. Freak, because we can't have another because we're poor.
I do want another one soon.
Yeah, well, good fucking luck. On the boo boos.
I'm done. I'm done. I'm done. I am done.
I hope so. I hope so. Do you think she's done? I hope so.
Believe it when I say it.
Yeah, me too. That's what I exactly.
Honestly, like I, I just get so inspired by influencers, like I get inspired by Disney influencers.
Inspired to buy La Boob.
And when I think inspiration, I think of accomplishing a big goal. You're buying La Boo Boo's one every one and a half days.
I would say like TikTok, like they like people like doing the like the blind boxes.
What about my TikTok where I say, don't be a financial dumb. How about that? Maybe listen to that one instead and prioritize your family. Well, apparently you're not getting inspired by that.
Well, I, I am, I am, but I like La Boo Boo's.
Eight thousand hours of bad debt. Can't stop getting La Boo Boo's.
She didn't really start getting into it until the ultimatum came, but
We would laugh at your videos occasionally, but
These videos are a wake up call for many. I see it out there. I see it out there.
Yeah, well, I mean, I I've gotten that. And then like another thing, too, is like I've I've been influenced by a couple of Disney influencers like, um, you know, I want to look cool and cute at the park.
You don't.
So why not? Like, I want a nice, like, diaper bag. I got Petunia Picklebottom diaper bag like I
Did you just call me? I'm so confused.
Petunia Picklebottom. It's a it's it's a brand, like a Disney brand of diaper bags. They're really cute. And I got that. And then, um, I got, um, like, these little Disney, little, like, LaBooBoo things.
Your family's important. You and your LaBoobs are not.
Yeah, she needed a $200 diaper bag when we already had one.
I mean, it's leather. It's nice. It's a nice diaper bag.
Yeah, and it's smaller.
No, it's not.
Get all this much stuff in there to, you know, take care of the baby.
I do have a lot of backpacks and purses.
The baby intentional.
Um, yeah, yes.
And why are we around so much? Well, you didn't go in it with planning to not your your entire existence should be hyper focused on its future.
I mean, he goes to a really good daycare.
Great. Great. Maybe he learns proper lifestyle things there.
It's like a private daycare. Like, they don't have any TVs.
Can we also talk about this? I know your bullshit's food alone was very expensive and it's probably very unhealthy food. You know, I can say this as a fellow, you know, chunky chunk. You know, we got some chunky junk. Okay. Your kid's probably eating what you're eating. And with all that fast food spending that you guys are doing, it's probably also not good.
No, we we tend to take better care of him than we do ourselves. So.
Why don't you want to be around for him? Don't.
And I've been changing that recently and.
My health soul, but that's what I just heard from her.
There will be some.
I'll believe it when I see it.
Some charges on there. Like, I bought $900 worth of workout equipment, so I can start changing.
Hey, I hate that. That's that's what people do, right? They do that huge purchase upfront and that really fills that that that that reward center like, oh, my goodness, I just made progress. I purchased the gym equipment instead of you could have just gone to the gym. Could have just gone on some more walks, buddy. Start there. Get into it.
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Because this is what so many people do. That's what so many people do.
I have stuff that I can work out while I'm working. Like between meetings and stuff.
$227 in interest this year alone on the boo-boos. Okay, I mean, you can use the FIS card for this kind of stuff, not the boo-boos, but hopefully for needs. It's a debit card that builds credit. We'll get you guys set up with that. Also get you guys set up with any kind of course course certification that helps land into any extra pay increases for IT, stuff like that. Extra certifications always help, so.
Okay. And then obviously the premium version of Budgeting app, you get to get that for free forever. And our Dollar Wise central program as well, which has all our educational programs. We released about a new one once every month or so.
So make sure you go through those classes together, especially the budgeting one just to start. Eventually the investing one. Okay? And for you, we just did one on overall job market and how to navigate it in general. You should probably go through that with what you're looking at in your job situation.
Okay, blue cash preferred. Who's this?
That's mine. I have all the credit cards.
Well, I just said at the beginning, okay, wow, I really thought it was a split.
He has a Discover card, but.
And a PayPal card, but.
Okay. Okay, so blue cash you. What's going on with this? It's a smaller balance, $406.77 with a minimum monthly payment of $40. What is going on here? Why are you purchasing $413.63? And of course, all bull.
Use Rover constantly.
Yeah, cuz we we travel and we have to.
Okay, then you extra can't afford travel. Then you extra cannot afford travel right now. This is it's further cementing it in.
Well, we gotta use it to come here too. But yeah, we.
Yeah, but we reimburse for that kind of stuff, but you cannot extra. Extra cannot travel if you're having to pay for even more.
Yeah, that's why I've been trying to stay behind and take care of everything.
You're trying to stay behind and.
Like, take care of our dogs.
And that's not a wake up call alone that he's trying to stay behind in order to save money for the household? And you're just like, okay, let me just go extra. What the? How is that not ringing alarm bells?
Away from Uber Eats like I'll I've been trying to drive or. Cook more like to the. Restaurants to like avoid.
Cook more to the restaurants?
Sorry, I've been trying to cook more. I've been instead of going to Uber Eats, I've been offering to go to the restaurant if we're just that tired.
In the right direction, but that's this cook guy.
It's not not ringing alarm bells, though. He is offering and trying to actively stay behind on trips to save money. But you're just like, let's keep going. Let's keep going. Let's keep going.
I mean, I like him to be there to help me out with or just to be there to travel.
And he can't be so. Stay home. Drive to the beach. You're in Florida. You're by so many things. You're in the middle of Florida. You go to Miami, go to Tampa Bay. You can go everywhere. Clearwater. For some reason, if you want to go to, I don't know, Tallahassee.
Now we're good.
Or Jacksonville.
Yeah. On here, we got Petuna. Is that Ben and Shire?
Petunia Pickle Bottom. That's the diaper bag.
Stupid diaper bag.
Yeah, she's obsessed with the nerd stuff.
Yeah, I use that card for like the nerd stuff, so.
Her stuff is fun. He's into nerd stuff too on the video game side. I'm into nerd stuff too. I love it. You know, little music nerd, little music nerd is my composer and I also like, you know, video games and YouTube and all that stuff. Okay, I'm a big nerd. I budget in, I can afford it. Sounds like he is as well. You're being ridiculous with yours. Rover, Rover, because we can't afford to travel. TikTok shop, TikTok shop and TikTok shop. What the? All your little influencers who are just trying to get commission on everything?
That's pop art.
Come on, it's a game. They're playing commission games.
More Leboos.
Yeah, those are also Leboos.
So now we're practically to a Lebooboo a day, by the way, within that month. You know that, right? You're getting almost on average, like one Lebooboo a day. We're very close to that. Like, give me five more Leboobos and you're paying for us, maybe? And you will have gotten a Lebooboo every day the month that we just saw.
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Yeah, that sounds about right.
Yeah, I mean, I just got, I, I, I got addicted to it. I was on, I was on Popmart thing and I was like just getting, trying to get a thing and it would, it was like a dopamine boost where I would get one and I'd be like really excited.
Do when they realize that, oh, I may have fallen into a little bit of a hole. Delete it, delete the app, tell the husband. You know, this isn't, it's not, it's not, you know, like, I'm not saying it's not addictive, but this isn't on those levels. Like, maybe it's a gambling adjacent, but.
Throw factor. Chelsea used to do with loot boxes on Overwatch, so.
Oh, you just fall into all this.
Mercy skins.
Did you, were you on the Stanley game?
You skipped Stanley. Oh, okay, good.
Are those the cut? You're talking about the cups like that?
Yeah, but yeah, that's Yeti.
She got one from work, but luckily we didn't get too far into that one.
I also use that card for when we go to anime conventions. So we have, well, we have conventions that happen in Orlando a lot, so we'll go to that and.
We, I'm here in we here, so.
Yeah, no, we, we both go.
Okay, so you go into them, you, I don't even know. Try to get your kid to touch them on her, like, what's our objective here?
Um, well, I like to look at the art and I usually will buy smart from like, um, from some of the artists that are in like Artist Alley and stuff and.
I'm sure he loves anime art, too.
He does. Yeah, we've, we've got a lot of stuff. There was one time, um, we also go to Ren Fairs, so there's a lot of Renaissance Fairs in Orlando.
Can you guys like not do something that's endlessly expensive like? Once a week, like you do everything, everything ever. You guys do it.
It's fun.
It is fun. I'm not saying it's not fun. I'm not even saying I don't want you guys to go.
We just have nerd money. But yeah, there was one time we went to a Ren Fair and.
We don't have nerd money.
Isn't that kind of the point?
We went to a Ren Fair and, um, we were getting ready for our wedding for our Legend of Zelda themed wedding. And we spent $800 on swords.
Before the wedding.
And that wasn't the only expense.
To be fair, we did pay those ones off before we went back into debt.
No, this credit card had a balance and you balance transferred it and now it's going back up again. Oh, why for the would you transfer? Why would you transfer money without actually changing your behavior first? Why would you do that? Cause now it's just getting double.
I did it because it was a 0% APR on the balance transfer.
Cause now you're just building the credit card back up again with, by the way, a lot of booboos is what we discovered. So it's just so, now you're gonna have double minimum monthly payments.
I do not want you guys to divorce. I do not think you guys are bad for each other. You have a lot of similarities. You have a kid. I want you guys to stay forever. But finances is a leading cause for divorce in this country. And with the ultimate mod already given and what you guys talked about when I put you guys under earphones and everything. It's like you are headed there and you are allowing yourself to headed there. Okay.
You are pushing the marriage towards collapse and that is on you. I don't want you guys to get divorced, but you are forcing it. How long can he be put up with this? You're just endlessly deferring debt, pushing it and then building up the other credit cards again. It's just like, it's so fucked. $80,000 of bad debts. Southwest Rapid Rewards. New. This is a credit card that you should easily be able to pay off with the previous $855 balance, but we only put the minimum payment towards it, which is 40 bucks. And then we purchased $431.16. Thank goodness. What great behavior we're doing. What great behavior we are going to be teaching our child when it's able to learn behaviors like this.
Obviously it's learning basics now, but this is the life you want to show them is successful? Show him good luck. Stitch Fix, Stitch Fix, Stitch Fix, Stitch Fix. Guys, you're wearing Pokemon shirts. Why are we subscribing to Stitch Fix? We're obviously not trying to look good.
Well, excuse me. Okay.
Well, come on.
Yeah, like.
Like it's, it's fun, but it's not like it looks good.
Okay. Well, all right. The reason why I use Stitch Fix is because where I work at, I work with a lot of like VIP CEO people. So I have to dress really nice. So I wanted to get a new wardrobe for.
Being a subscription. Go to the store.
I don't want to go to the store. I can't find stuff for like plus.
You want to go everywhere. You want to go everywhere. You just refuse to go to the store.
No, well, I mean, they have really nice clothes on Stitch Fix and it's like, it fits me well. Cause when I go.
What, look, two options. Go to the large store or preferably number two.
Has really ugly clothes, like really ugly clothes.
And then you show up with Pokemon clothes. I'm confused. And then number two. The preferable option, lose some weight so you can be there for your kid's high school graduation.
I am. I'm on Ozempic right now, so.
Working?
Uh, yeah.
Good. Remember though, that's a tool. That is not a behavior change.
I know.
It is just like a consolidation or a credit card, balance transfer, or a bankruptcy. It is a tool. It is not a actionable solution because you can build it all up again.
Well, I mean Stitch Fix, they give you like, you know, style advice and stuff, I thought. And, you know, you pick whatever you want from there and then you, then you pay for it.
There was a fee this year. Is it a late fee?
What was it?
Uh, that was also a card that was balance transferred too.
Good death. Are you kidding me? Hundred sixty-three dollars in interest this year so far. Oh, this balance is looking huge. Oh, this was a balance transfer. You, right? Okay, well, we have a balance on here of thirteen thousand eight hundred thirty-two dollars and seventy cents with a six hundred fifty-eight dollar fee. Meaning with that, and I know it's interest free for a period, with the thirteen thousand one hundred seventy-four dollars you transferred, you did pay at least five percent on it, so. Paid an insta five percent. Not even five percent accrued over the year, an insta five percent.
Probably saves you some money, but that's if you pay it off before interest starts accruing, which starts accruing in less than a year. Oh, wait. No, that's one of them. Uh, two years. A year and a half. Got a year and a half before interest starts accruing on this. Why'd you transfer?
Uh, I just thought.
And then build the back up on the other card that you transferred from.
I just thought easier interest would help me to pay it off quicker. So that's why I transferred all of the funds.
Quicker? In fact, I just saw, I just saw the spending go on the card that was transferred and building the balance back up. Is it paying off quicker? Did you even know that?
I did not.
What the?
I don't have any money at the end of the day when I pay my bills, so I use the credit cards.
Have you seen your spending, you absolute freak? Like, I am sorry, but you spent literal thousands on bull. You don't have money after paying your bills?
Legitimately go fuck yourself. You spent it on bull. I never say that again. That is the dumbest thing I've heard. Shut the fuck up. We just went through your insane spending, and we're not even through it, not even close.
You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal eleven hundred dollar monthly car payment. Yeah, it's getting a little tight. Two hundred sixty-four dollars in monthly subscriptions. I didn't know we had that many. You guys have to take control of your finances. How? Just download the Dollar Wise Budgeting app. It shows all of your expenses in one place. It helps you monitor your finances, so you're not blowing hundreds of dollars a year on things you don't need. Download the Dollar Wise Budgeting app today and take advantage of your free trial. Quicksilver, what's going on with this? Yours, right?
Yeah, I mostly use that for the dogs, or I use it for my medical expenses, like.
What's worth it? It was paid off this last month. No, but interest is accruing. Hmm. Okay, never mind. Four hundred thirty-six dollars and fifty-seven cents. Minimum monthly payment is twenty-five. Well, I didn't write down the minimum from the last one. Hundred thirty-eight for the last one. Yeah, these are stacking. Past choices. All the same consequences are coming. This is for our dog. That's why we're getting the Amazon, Amazon, Amazon. I went through the Amazon. It was all kid stuff, by the way. My chart. Yeah, that's fine. Home delivery.
Well, interest is a crow and it's a 27.15% interest.
Alright, discover it. Is this you again? No, that's not me.
This is you. This one was paid off last month. This is paid off every month.
Uh, it's...
Cause this is a chunky balance.
Uh, I took a 401k loan out to pay down.
I'm paying it back per month and paying interest.
Yeah, unless you lose your job and they can call it due.
Too risky to have and you're not even getting the advantage of having your money in the market.
I took a risk on that one, I'm not gonna lie.
Why though? You make money!
Alright, balance $1,352.28 is a minimum monthly payment of $35.
The critical things we need to get a 401k loan for, what was it? Oh, Sodo Square, Love Pop Card.
Birthday cards, Mother's Day cards.
Sake, World Market, going and getting into BS, Bojangles, Fine Wines and Spirits, Taco Bell. Interest is here so far, $542. What are we doing? 401k loan for Taco Bell. First I've heard that. What a joke. Come on, there's bad behavior on both ends here. Certainly more on yours, but that does not negate yours as well.
PayPal credit. Back to you? No, it says...
That's mine. That is the $900 in workout equipment.
Finance that. So trying to change one bad behavior with encouraging another.
I've got six months to pay it off. I'm currently at...
Better. Yeah, you're currently at $639.13. Your minimum's 30, but yeah, let's see. Your payoff day is, needs to be paid off. So probably a...
Yeah, accruing interest, deferred interest. Let's pay that off. It needs to be paid. Wait.
I'm also waiting on a reimbursement from work to reimburse part of that.
That's good, but you gotta pay off six thirty nine and four more payments.
So we gotta pay ninety two, ninety three dollars a month, ninety three dollars a month.
Just stacking up more, more, more, more, more and more minimum monthly payments on this household. Your doctor told you to start working out?
I have notes? Yeah, I mean, you guys are kind of passing that threshold, right? Like, like I kind, I kind of did this life where it's like, yeah, twenties, yeah, you can kind of be fat and it doesn't really impact too much, you know? Who cares? Guys in that mid thirties, looking towards their forties, have a kid, things really start to get impacted.
High cholesterol, high blood pressure. And I have been sticking to a regimen and I've actually lost seven pounds.
Seven?
Seven pounds in two months.
Two months?
It's not, it's actually really not good for you. There's no offense, if you were actually dieting and working out, the water weight you'd lose alone within a, just a few weeks would be like ten.
I'm not really dieting per se, I've just cut back on how much I eat.
Great, okay. Listen, uh, the thing is, just right at the beginning, I've been through a weight loss journey many times. I've lost weight, I've gotten healthy, I've gained weight, I've gotten fat, you know, whatever, and I'm going back down. And I'm down sixteen, I think, last weigh-in, I'm weighing in a couple of days again. Ah. The thing is, without doing much, I lost like ten in a month, because when you're a big guy, we're both big guys, you lose a lot like that water weight. Not actually much work. Okay, Ashley home furniture, what the are we financing for four thousand dollars?
Bedroom set.
Why? Ashley's not great, I'll be honest. Horrible, horrible. The first couch I bought, endlessly breaking, Ashley.
Your company, I'll be honest.
She wanted a new bedroom set for the new house.
Who's name is this under?
Okay, go on.
Uh, she wanted a brand new set, even though we had a good one, I.
What? Why? You already had a good one.
So we got a new house and I wanted the house to look good.
You spoiled brat. You think you're entitled to everything. It's disgusting.
I wanted our house to look nice.
Wanted, wanted, wanted. I've never had it. Oh, I never had it.
I never had a house.
No one gives a except for you. And you're destroying other people's lives for it. You spoiled brat. You're entitled to nothing. Work for it. Get it when you can afford it.
I do work for it.
No, you don't. You've accumulated debt for it and now you're paying off debt.
Really hard at my job and I have a lot of experience.
You're not, I have a lot of experience. That's why I'm entitled to furniture. What the is that logic?
I feel like if you, if you work hard, you, if you work hard, you play hard. That's, that's what I feel.
You play within an affordable point.
What? You, you, you play what you can afford. Guys, she done, she's done. She's fucking broken. She'll never understand this finances, financial responsibility. She'll never understand that concept. Just hearing her language. Playing hard is getting a furniture set when we already had a good one? Stupid. Hundred twenty dollars a month, three thousand nine hundred thirty eight dollars and twenty five cents is owed. Yeah.
Interest free for a few years.
This is, it's ridiculous. Personal loan. What the, who's the personal loan is the twenty five thousand?
Both of us.
It's a debt consolidation loan.
So endlessly transferring, endlessly consolidating, endlessly never actually making progress and spoiling ourselves. Cause we like to play hard because I have never done it before. I never got to play hard as a kid.
It's at a ridiculous 13.12% interest, right?
It was better than the cards.
It is better than the cards, but look what happened. This completely negates it because you consolidate the cards and then you spend on them again. And now we just have double the debt. That's how it always works. That's how it's been working with the credit card transfers too. You don't get to consolidate bankruptcy or transfer unless you change your behavior for at least three months at a minimum to show that you're able to manage it. It's the only time a tool like this can be helpful. Minimum monthly payment is $661.71. Another one just stacking to the top. It's crazy.
Crazy. When'd you guys do this?
Last year.
All right. Nothing to show for it.
Orlando Health, 100 bucks. Why can't you just pay 100 bucks? Oh, wait. No, yeah, 100 bucks.
Uh, oh, okay. It's $585 and then $100 minimums, right?
Oh, that's from, uh, one born.
Whose is this?
That's, that's from one of our.
Two years ago?
$585.46.
Minimum monthly payment, $100. So that'll be done very soon.
More? Oh, how many does this stack up to be? How's this one more? Wait.
Two separate bills, one for our son and one for her.
But the birth related bills?
Yeah, we had a pretty difficult labor, so.
$555.89. Minimum monthly payment, 206.68. Okay. Advent Health, what's this?
Um, I had to go to an emergency room related to my pregnancy, so.
For sake of this pregnancy, okay. Uh, total amount due, remaining balance, $553.31. At least these aren't bad so far. For what it's worth, medical wise. $39.54 is your minimum monthly.
Mr. Cooper, I know that be a mortgage. She's expensive.
Yeah, cuz the interest rate, it's almost 7%.
Yeah, the new bill also, first year,
they overcharged us, sent us money back, we used that to pay down. Second year, they doped, like, they undercharged us, and now this year, they're double charging us for interest.
Interest?
For escrow, escrow.
Okay, yeah, your minimum monthly payment is $3,499, which is in your guys' affordability range, but it is pushing it for sure. It is definitely at that, pretty, pretty damn at that cap. Yeah, no, it's at your cap. Yeah, gross income, it's, it's probably at your cap, yeah. With a balance of $339,275.47, what's the house worth? Do you know?
Uh, it's worth about 380.
And then finally, student debt, who is this?
That's me.
You don't have, because the military?
Well, I never went, I never finished my degree.
Got a certification?
Uh, I have certifications, IT certifications.
Okay. $8,860.42 for your student loans, it's not horrible, and it's federal, which also helps.
Life is all about making decisions. Sometimes you make questionable ones, like buying a new TV that's too big for the wall because the electronics store employee was a little too good at their job. Then, sometimes you make great ones, like protecting your home and auto with Progressive. You get customized coverage options, so you can be sure you have the right coverage. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers, not available in all states.
Minimum monthly payment, $108. Okay, good, looks like you're on a standard repayment, and that is fine. 97 cents. Interest?
4%, I think.
Okay, then we can minimum payments until these are paid off. Yeah, it's a 4%. Okay, that's not bad.
Wait, hold on. What's the car? Did I miss a car debt? Cause they're sending me a value of a car. Did I miss a car debt?
The car's paid off.
Oh, you have a paid off car. Okay. It's worth about nine thousand. Uh, 2019 Chevy Trax, one car?
One car.
Okay. Is that working?
Yes, it's in good working order.
Oh, is it working for the household, having one car and not walkable area?
I would say so when if I if I do get um this new job, um we'll have to get another car. So um so right now it's working out because.
All you did was apply to it. I don't know why you're thinking so far in advance, but.
All right. They've they've been telling me that I'm gonna get an offer soon. So.
Well, that's different. You didn't lead with that. Okay.
Yeah, they they.
You said I applied to a job.
No, no, I I interviewed. I applied. They.
Okay, well, all you said was you applied.
They're gonna send me an offer letter.
Okay, good. Then you'll need another car.
Cool. So we're gonna go get a 10,000 hour used car that is uh.
That's the plan. Actually, we were just gonna get uh.
No, it wasn't. By the way, you wanted to get a Tesla Model Y. I know your entire life. So you're fire.
We're gonna go find one off Facebook Marketplace I can fix up and.
Tesla?
No, just a used car.
That you can fix up? No, let's not make this an endless pit hole project. I don't know. Now, let's go get a 10,000 hour used car that gets signed off by two separate mechanics that it will be safe and last you for a few years to come. That is what we're gonna do and you can borrow for it because it's leading to a return on investment with your much higher income. I'm okay with that, but you are not going over $10,000 and you are gonna spend months looking at V8 and you're gonna Uber to work because it will save you more money in the long run. And no Tesla Model Y. I love my Tezzy and I know they have good financing for it. And the tax credit, though, I think your guys' income might be above where you can get the tax credit. And the tax credit's ending anyway, honestly, in September, if I'm not mistaken.
So, no, you can get it. You can get it. Once you're out of debt.
That's what that's what that's what.
And I am an old mechanic, so I can tell.
Well, okay, that's a start, but get a couple of separate eyes on it as well.
I will, I trust me.
All right, checking account, two thousand two hundred forty seven, two hundred, two thousand two hundred twenty seven dollars in here, but that is half of what we started. Swab tactical. What the is that? It's a thousand one hundred twenty one dollars. Swab tactical.
Two guns.
I'm guessing you.
Buddy, paying off debt is so much more important. This is just fun. It's, it's, it is bull.
No, that's, that's prepping. That's not for fun.
Prepping for what?
I don't know.
Yeah, just.
Scary political environment. That's.
The fuck talking about, buddy? No one's raising arms.
I mean, it's good to have it, just, you know, just for home defense.
You got two guns. You got double.
I live in.
Halo two dual wielding?
No, it's one's a shotgun and one is a pistol.
For.
A nine millimeter.
Again, I'm not against any kind of purchase in general, but you are in dying in debt right now. That is much more of an alarm than the country going up in flames. What, which one's more realistic? Well, right now you are dying in debt, not dying via a civil war.
Yeah, well, military being deployed to my state is not fun, so.
I mean, it's good to be prepared.
Zelling money out, zelling money out, zelling money out. And four hundred fifteen on the last one. Probably to each other's accounts.
Babysitter.
Well, we have babysitter and then we also have.
Daycare.
We have babysitter and we also do swim lessons for my son.
They're swimming it too?
It's for survival swim.
Survival swimming.
Survival swim because we have.
A lot of.
Pools and ponds near our house.
Lakes.
I think the alligator is gonna get him first.
Well, there are a lot of kids in that county that have died from drowning.
No, I mean, it's not the end of the world. It's fine. Again, it's the, neither are the guns. It's not the end of the world either. It is the endless stacking of, you guys will justify everything you do. Multiple times a day. Okay? What are you doing to ours in this account? It's nothing.
This checking account hundred dollars, but swab tactical again, that's the third swab tactical we've had, by the way. So it's just like, we're getting lots of swab tacticals. PayPal, Discord, Target and PayPal and going in and getting some bullshit. Going in and getting some bull. Google, going in and getting some bull. Domino's, PayPal, Hi Dive Crunchy Roll, PayPal, Taco Bell, Ubering, Ubering, Steam Games, 23andMe. That's really not necessary for right now and we already know, okay? Mexico, Ireland, boom, we finished it. Good guess, by the way. Huh? 60%. You? Yeah. Ireland? Yeah. We already knew that. I didn't.
I mean, it could be Nordic, it could be Irish, it could be English, I mean.
Two dollars in savings, wonderful, really making sure we're sacrificing for the kid. I have an emergency fund with a kid, you are destroying his entire future if an emergency happens, by the way. That is more important than Disney, zoos, firearms, all that stuff. Okay? And I feel like I should get one too, and I've been considering getting one for my house, because influencers have had their homes invaded by parasocial freaks. And every influencer has weird parasocial freaks online. So I, I've thought about it. I've thought about it. So I'm not against it. Again, it's a stack of everything. Well, you don't have an emergency fund, so if one big thing happens, your kid is out. Because you guys are out of the house. Seventeen in retirement, yeah, definitely not even close to enough for 35 at your guys'
income level. Come on, guys. Honestly, it was just an embarrassment of mindset on your end, if we're being honest, and then purchasing even on both ends, but definitely 75% towards you.
And then we can't even talk about money because you just, you know, you can't communicate health, healthy. I mean, you guys signed up and consented and all this stuff for me to yell at. So you knew that was gonna happen. But when you guys have a conversation, she's not sitting there watching an onboarding video and having three, you know, producer phone calls and signing contracts saying, hey, please yell at me. You know, because I even had in the notes as I read throughout there. She's like, she's like, I need to be yelled at. I need to be yelled at. You told the producers that. But when you guys have a conversation, that's not what she's going into that conversation for.
She doesn't listen to me.
But is yelling really gonna be what does it? Different context? Because she did not sign up for it. Is that really what's gonna get over to her?
I honestly don't know. I haven't been able to get over to her.
Especially your wife?
I wouldn't want to yell at my girlfriend.
I don't want to yell at her. I do my best not to yell at her.
What does that mean for the kid? When you can't get across to the kid, when they're five, when they're 10, when they're crazy, 16 year old gooning endlessly?
Well, I grew up in a household where my father yelled.
And just like her growing up in a poor household, is that a cycle you want to continue? Because you are.
No, that's why I finally put my foot down.
Uh huh. On what? On you yelling?
No, on we need to get this fixed or we divorce.
That's not what I was talking about. I was talking about your behavior in those conversations and what's gonna happen when the kid starts getting involved in those conversations.
Honestly, I can tell you, I don't think I'm yelling. All I do is feel like I'm, yes, I'm raising my voice, but I'm not yelling.
Your perspective?
I feel like he gets a little defensive.
Well, defensive is different. I'm not criticizing. I mean, I can criticize defensiveness in a different way, but that doesn't concern me for the future of, you know, communicating effectively with a child or something like that, you know, and raising voice in a very scary way.
I think it's more like, kind of like a scary tone with it. And I think it's kind of.
Can you demonstrate?
Like, why do we need so many boo-boos? Like, why do I see box after box after box? Why does this keep happening? Like, we just fixed this. You said we were okay.
Uh, would you say that's just about what it is?
Maybe decibel or two higher, but that's
Well, come on, give it to me.
I really can't right now.
Try, try your best, come on.
Why are you doing this? Like, why? Why do we have so much going out when we have so little coming in? Like, why? I think that's about as close as I can get to it.
Is that close?
Yeah, it's just the tone is really, um, just very triggering. You know, it just, it triggers a lot for me and it just kind of like makes me just
Unfortunately, I don't really respect triggering anymore in our culture. So, but either way, I will say this. This is not an effective form of communication and I can, I can definitely understand. It would put the person on the other side in a more defensive mode, which also prevents communication on the other end, which all of a sudden now we have two people that are unable to communicate. Cause if you're coming at it in a combative tone, like I wouldn't say that was like an abusive tone or anything. So I'm not worried about that, but it's definitely coming in a combative, more aggressive tone. And that puts the other person in a defensive position and then all of a sudden we just really can't communicate.
Trust me, I don't start at that. I do try to talk.
What pushes you?
What pushes me is the fact that we keep getting further in debt. And when I was 25, yes, I did file bankruptcy.
You did?
Yes.
He's been through bankruptcy and he is trying to help with, he wants to get out of this so to not go through that again. And you don't give a
I really do.
You do nothing.
And I've told her, like, my father.
No offense, but your spending is bad too, and your debt situation is bad for someone that's gone through bankruptcy.
I thought we were doing fine. I was trusting her again, I'm
Buddy, you just financed gym equipment. Like it's the actions, it's still putting yourself in a minimum monthly payment situation that becomes difficult. Okay, your debt minimum monthly payments, not including mortgages, $3,090.06. Then we put in the mortgage, $3,499.03. That already brings us to $6,500 on our $9,200 a month net. Like, that's scary. Utilities, internet, gas, electric, water.
Probably about 500 a month.
For utilities? And then 250 for our phone bill.
That's
That's included in that?
Internet, it's bundled, so.
Oh, okay, then I'll cross out the film bill, but either way, I'd unbundle that if T-Mobile's getting your area, switch to helium, it's so cheap. As long as you own your phones outright, that's the part, but gas, from drive, drive, one car, how much do we spend?
Two hundred a month.
Car insurance?
Uh, one twenty a month.
It's not bad. Uh, necessary food for you, for the, you can probably do, I'm gonna guess about eight hundred. Should be good for the household TP fund, anything else you guys need to survive, I'm gonna say if we're including the kids, two hundred fifty. Uh, daycare and babysitting, cuz I do need you guys to have some alone time as well, do some things even if cheap and free. How much do we need for daycare and babysitting?
Fourteen hundred a month for daycare.
Give me a babysitting monthly.
I'd say probably.
A hundred.
Hundred total.
Yeah, it's not bad, okay, uh, but obviously the daycare, that is expensive, fifteen hundred total for that. Medical health care, copays, medications, ongoing appointments.
All through HSA, so.
Okay, which is taken out of your gross income before it becomes a net, so we don't need to count that, gym?
No gym membership.
Okay, but we're getting on it, right, subscriptions, let's see if I can fit in twenty five bucks. Uh, let's see, pets, yeah, pets, pet food?
Uh, yeah, that recently spiked up here too, cuz our corgi has a health problem.
How much for pet food?
About three hundred a month for vitamins, supplements and pet food.
Three hundred?
Guys, it's not working right now, you're underwater by just your needs, just your needs, you're underwater by a thousand eighty four. A thousand eighty four.
Okay, so here's the reality. Couple different options. It actually might be time for bankruptcy again. But you do not do it until you guys budget aggressively and prove that you can do this properly on the other side for at least three months. Then we can consider bankruptcy. Two, sounds like you're getting this job. I hope you do, but obviously that requires another form of transportation. But we boost that income and that takes you from eighty to one hundred thirty, you said? Ninety to one hundred thirty?
So it's, so right now I got eighty-eight and it's gonna put me to one fifteen.
It's gonna help a little. It's gonna be like a thousand dollars towards debt, maybe. And you need to aggressively budget that. You can't go to vows. You can't do bullshit in the future. You know, it's, you cannot do anything that costs money, unfortunately. Cause it just doesn't make sense. Cause at that point, it still takes eighty months. And what is that? That is still a six and then a half year process. That's without an emergency fund. You should have at least a one to two a month emergency fund before you start paying off debt because you have a kid. You have a mortgage, you know, it's like, you just gotta be safe. So bankruptcy might actually be valuable on this. And well, it's not cheap, certainly cheaper than eighty thousand dollars debt. But it can be stressful, you know, you went through it. Some people find it stressful, some people not. It's embarrassing. It's more difficult with a couple.
And you guys should be able to go through, keep your house, keep your car, but this becomes difficult. This becomes difficult. And that might be what you need to do. But the first thing is before you do either of those, it requires building this budget. Go through the budgeting class together, use the, you know, Dollar Wise Budgeting app as well. Work on this. Sit down on a multi-monthly basis. Until you guys have this locked in, only a joint account for fun spending as well. Only one account until you guys have this. No more convoluted bullshit. One account, no more extra separate accounts, no more credit card spending. Make this simple. Sit down, talk about we're spending when we're spending needs to go next month. All right, guys, we're gonna do the post show. There is so many things we did not
talk about. I am being told from our producers. So this is gonna be a really good post show. Come join us. I'm gonna give the hammer financial score right now and then come join us. Remember, hammer Lee is free this month. So if you join, I'll pay for it. By spending your budget and household financial score zero out of 10 debt, nothing, no collection. But this is horrendous. I mean, it's really bad for your income and matches your income. One out of 10 emergency fund. There's nothing zero to 10 retirement, one out of 10 real estate. You do have an equity position. That is good. Rate. You definitely got it at the peak for sure. You know, minimum three payments chunky for your income. You're really at that peak, if not just slightly over. So because of all that, I am at least gonna bring it to a seven out of 10. Cause you could
get out of it if you have to. Hammer financial score two out of 10. Join the membership link below or click that join button. Make sure you select the hammer elite tier submit proof of purchase hammer elite.com and I'll send you a $10 gift card that pays for it and you can spend it anywhere in any country. See you guys there. I know there is something we did not talk about in the main episode because there's just so much to talk about. What did we not talk about?
Well, there's something I didn't tell you.
It's [bleep] yeah. Thousand dollars for your [bleep]. He actually has something real that happened a few years ago and you are repeating that again. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.
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