120 Years To Fix This… | Financial Audit

she's saying oh he treats me like I'm. dumb yeah you're really going to let no. offense you him manage the entire. finances look where you guys are that is. a good question she just says I don't I. don't want to get like a panic attack or. anxiety over it or that I told you that. when I was pregnant all of your debt is. substantially worse than her debt you. are the one holding back the bo you are. the anchor holding you guys in the. middle of a. storm download my new simpler budget app. today day and take control of your money.

once and for. all hi my name is Travis I'm 30 and I'm. Kelsey I'm 27 we live in Montgomery. Texas download my newal audit today and. take control of down to the studio in. Austin my friends so Thomas let's start. with you what are you doing at 30 years. old Travis. Travis we use fake names here so it was. a t name it's all. right that's f.

okay and what do you do uh I'm a. production technician oh okay we could. use you here how much you making. probably not much uh 65,000 a year. actually better than I thought okay I. know a lot of people in the Arts not how. we do it I like to you know incentivize. with lots of bonuses and whatever but a. lot of people in the Arts they poo poo. jobs not production like like this kind. of production like a manufacturing. production that makes more sense Okay. cool so $65,000 a year Yeah Montgomery.

Texas how big is the town living must be. well small it's it's a suburb of an. actual place no it's it's a town it's. outside of conro birthplace of the Texas. flag yeah birthplace of the Texas flag. wow I'm thrilled and what do you do for. a living there I uh work at a country. club I manage a front desk and um pretty. much like a guest services manager. uh-huh mhm you work here you do Guest. Services yes with that volume of voice I.

at a front desk in a public place I I. yes yes I um am much more louder when. somebody be much more louder here I. haven't even yelled yet it hasn't even. occurred so how much do you make in that. job I am hourly I make. $20.50 an hour not bad and how many. hours a week do you work um typically. between 40 and 45 so what would you say. hits your account on a monthly basis oh. God go math huh math uh 1 12200 to 1300.

well what are you answering for her yeah. sorry why does she not does she not know. she not allowed to know what is this. situ what the why why you look at him. and go math and then he knows the answer. this is an interesting mostly because I. do not. know why would you not know I that is a. good question um I would love a. semblance of a decent answer okay so I'm. not very good with um like the.

financials or budgeting or money about. budgeting you don't know what youring. paycheck is no I mean typically it's how. do you not know what a paycheck is I. know what a paycheck is how do you not. know what your paycheck is cuz that's. like your time that you're putting your. effort your energy you're getting. contractually rewarded with it you're. putting in your time you get the money. in return how would you not know what. hits your account on a monthly basis it.

goes into a shared account and my St. just goes into what I call the. graveyard so why did you call it that. because all of my stubs from like the. entire time that I've worked there is in. the graveyard it's the paper paste tubs. that she's talking about she puts them. in her. desk okay all. right how much did you say hits on a. monthly basis for her a monthly basis. for her 12 to 1300 monthly basis oh.

monthly no that's by weekly month yeah. month both combined both weeks of the. buy 24 to. 2600 yeah I had 3,360 come in was that. just a better month than normal uh she. has health insurance to a company why. are you the one that yeah but I ask I'm. asking what hits the. account it comes out before it hits in. our account. $3,336 hit your account through her. income oh is that higher than normal yes.

is that okay so what was different um I. hours yeah it's mostly hours so I I. managed the front desk I have a whole. staff of three under me why did you work. more this month and why is that not. happening in other month like am I able. to count this as a oneoff situation and. if so why I like I need to figure out. that literally the basic minimum before. we can even have this conversation I. need to know what does the house bring. in well like what's the address uh like.

not address the average of my paycheck I. don't know why would you know why are. you the knower uh I kind of like pay the. bills I have all the accounts so you. have the eyes on it. yeah and wait are we married yes yes. why don't you want to know why don't you. want to be a part of the conversation. every couple there's one that usually. both are dumb with money but one at. least knows and the other one just.

like uh it stresses me out and it causes. fights between us and what do you guys. fight about mainly just he tries to. budget with me and I don't understand it. so I get really frustrated and so I get. mad at him because he made me frustrated. well why well okay what's he doing that. gets you frustrated how does it work. because she doesn't know how do you. approach it then you can't approach. someone who doesn't know things unless. you're on the show and yell at them. unless you're on the show I don't I. don't yell it's just I think I or make.

them I don't explain it enough to her I. guess maybe okay he gets mad when I ask. too many questions oh I'm not mad well. how does it look how does it work you. can't do that unless you're on the show. it's it's more like whenever she asked. me questions I answer the questions as. if I guess I assume that she kind of. understands more well how the does that. work unless you're on the show yeah I. that's we're describing the entire not. we're just describing the entire. Financial audit experience when we do.

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she's not different than she is she's. her you had the conversation so you know. what the conversation's like with her. you don't have to approach it in that. way because you know what works and what. doesn't and you know what doesn't is. making her feel like she's. dumb I guess since so before we were. married we had separate accounts and we. handled our finances separately so she. kind of took care of her stuff and then. I took care of mine was that when was. the last time we did that we've been. we've been married for uh two years in.

May so why do you want to separate from. that part of the conversation once you. guys were together if you did it. yourself how did you do it doing. yourself were you able to do it doing he. with yourself so I still didn't pay. attention to like what was going in I. knew how much um hourly that I made and. I knew that I made possibly were you. able to survive without knowing your. literal income at a basic minimum. literally the basic minimum he would. tell me how much he needed from me to. pay like my car note or um the rent or.

mortgage and so I would just give him. the money so as long as I you know. covered my half then in my mind we were. good. so that's that's how I did it how many. you guys fight about. money. uh I don't know what's her issue because. there's always two SS to a story she's. saying oh he treats me like I'm dumb. what's the issue on the side what are. you dealing with not necessarily like he.

treats me like I'm dumb just that he. doesn't understand that I need to ask a. lot of questions to understand. things and it's not my typical topic. that I'm interested in and I find it. also difficult to learn if it's not. interesting to have interest I mean in. all of our household and life existence. of responsibilities we have to have. interest to do it to mow the lawn we. have to have interest in mowing the lawn. he likes mowing the lawn sure but in. order to do a basic minimum.

responsibility you're required to have. interest in it that doesn't make any. sense that's not how adults operate. you're almost 30 that's not how you. operate you're multiple years into. adulthood basically a decade that's not. how we operate it's not how we. operate I honestly don't know what to. say to. that I need you to stand up and act like. an adult in this relationship and. obviously you need to say you need to. correct your way of approaching this.

which is very clear and not make her. feel like a child but she to be fair to. be fair when I do bring it up she just. says I don't want to talk about it. you're just going to like give me like I. don't I don't want to get like a panic. attack or anxiety over it or something. like that what would give you anxiety. about it I think leaving it longer. leaving longer would give you higher. anxiety because eventually you have to. confront it because it only gets so bad. to a certain point where you can't do. anything else but confront.

it yeah. um it that was when I I told you that. when I was pregnant not to bring it up. really when I was pregnant cuz I was. trying not to like who there's a kid. involved okay how many one just one age. 9 months oh yeah all this debt with a. 9month old kid that's um well. okay well like I said. it's so it's 9 months so you haven't.

been able to have that since 9 months. youve given up we have we have but but. he just said every time he brings it up. you're like I'm going to have a panic. attack well well I did give birth nine. months ago so ever since then it's been. brought back up but no you said it was. don't do that during pregnancy right I'm. not pregnant I had the. baby oh so you're saying now that's your. excuse is that you'll have anxiety not. you were saying that during the. pregnancy it's not necessarily that it's. that when I was pregnant I didn't want. want to stress out too much because I.

get nervous um or I got nervous that I I. get it so what's going on now it's 9. months later I don't give a about the. pregnancy. anymore. it's I think I think before before we. had a baby we were doing pretty well we. had savings and everything like that she. had this all happened in nine months she. I had a lot of savings all the savings. that we have in our savings account is. technically mine how much was it well it. possibly after I no how much was it.

after I paid for college I had like. 9,000 almost 10,000 in the same music. account okay so we're talking about. close to a ba basic minimum I I really. thought we were going to uncover a pile. of money not like it would have been. good because it sounds like it's not. there anymore anyway but I mean that's. that's just kind of a basic emergency. fund so well I'm typically more so of. the saver of the relationship and he. spends a lot of money kind so that's.

another part too we're like I'm so okay. we we spent most of that savings on the. on the B having a baby no we didn't well. okay what did we spend in on well I we I. spent some on our wedding and I bought. my wedding dress because Mom so two. years ago yeah so we're are we're. talking about $9,000 hour two fing years.

ago yeah but we just didn't replenish it. I think why the issue we haven't been. able to is the $9,000 hours make a break. of this entire situation what are we. talking about really Hy focusing on this. 90 huh we haven't lost all of it I think. there's like 30 then why do I have dead. in front of me5 left in it because I. don't want to spend anym okay what the. is going on what is going on huh how. about someone just tell me what's going. on no what is going on in general here. guys what are we looking at. I think we didn't want to spend we we.

spent money on on credit cards rather. than spending it on our money my thought. was is that the money that was left over. the question. from after I paid for college I'm asking. what's going on right now guys what are. we looking for sake that is going to be. a slog isn't. it okay so I had 3,360 coming from you. that is not normal no confirmed what is. normal. 24 to 2600 okay what is normal for you.

um I'll do 2500 for her 19 27 a. paychecks so like. 30 oh God I'm having a brain far $3,800. I had 3,000 or 4,000 uh I had three pays. this month okay so it's normally it's. normally 1927 every two weeks I can't. math that right now in my head 1927 yeah. okay uh okay okay so we're looking at.

6,354 is the household income what's the. struggle uh. well cars I think is the initial problem. okay he's a car flipper I'm a not a car. why dude say every time someone a car I. like cars congratulations I like your. daughter having a permanent rof over was. it her daughter yes having a permanent. roof over her head and having a risk of. that being lost because our parents are.

out of. control yeah just the. [Music]. one yeah. we're I tried to work it down to get out. of the cars. but yeah we're currently in a like. pretty upside down. car heard no okay well we'll get into. that technically it's not my we know. 6,354 comes in guys what did you spend. last month.

I have no clue that's not the answer to. a question that I asked I would love a. number I would probably say like. 7500 what do you. think come on what do you think you at. leas existing when money's being. spent whether or not you look at the. books I guess I guess he would be right. like 700 we're okay with spending over. $1,000 more than we make you're okay. with this you allow this to happen. instead of trying to get in there and. try to fix it you just allow him to.

dominate it without you asking questions. being curious you'd be okay with that. and why are you the manager of the money. okay with spending $1,200 more than you. make on a monthly. basis um well I'm not okay with it but. then why is it happening because you're. this bill spender you're the one. tracking the income not okay with it. well you're the one managing it I think. you would have to be okay with it well. we had we had like. and everyone has Christmas shut the up.

yeah well I think also part of it is um. I ask him if it's okay if I buy. something and he tells me yes and I. don't think they actually are I I think. I'm learning that you're learning that. when had you have learned that uh when. he recently probably at the end of. November all throughout December and. January he that's when he really honed. in on wanting to um kind of create a. budget and.

yeah so we would spend less than we make. if you honed in on trying to create a. budget not. a, understand it and every time that I'd. ask him if it was okay are you saying. yes no matter what why are you asking. for things if you know it doesn't fit in. your gut you just told me you know it. doesn't because he's the money guy he. tracks it so he should be able to tell. me if it's okay or. not yeah it's it's hard to say no no. it's not yeah I mean be a little bit of. a it's okay. I just don't like being a dick yeah well.

now your finances are suffering and you. guys are going to have to be a somewhere. else you're going to have to make larger. sacrifices instead of a small little MC. fry saying no now you're going to have. to cut massive. things yeah because you're not able to. have a conversation about your money. without making her feel bad and you're. not willing to have a conversation. without feeling anxious and it's only. going to get. worse and by the way guys it wasn't. 7,000 500 it was $88,500.

oh so $2,200 more than we bring in on a. monthly. basis yeah why money guy apparently you. don't even know the amount of money that. went out I thought you were the bill. payer I thought you were the dude who. manages the money obviously that is not. even close to true yeah well I like this. yeah that's all you give me is yeah okay. so Amazon is easy for Christmas.

and I got I got an Amazon card and I. thought I thought we put everything on. there and then with the cash back we. it'd be like free money to spend you. guys don't even care Christmas for you. guys don't even care look at the just. look at your answers with that you don't. even. care yeah why the are you guys here. because we care and we want to get it. straight really not with that language. the Amazon car is the first one we're.

about to look at yeah well so we're. trying we want to get we want to get. things set up so that we can be better. for you spend $2,200 more than you make. on a monthly basis if you're the one. managing the money you know what's. coming in what's going out and then you. tell me it was actually $1,000 less than. that well also what does that want I. feel like you want to spend more on Bull. in Christmas more than you want to care. about your daughter if you want to care. about your daughter you would put those. priorities over there but you're not. putting those priorities over that so. obviously you're showing that you do not. care about your daughter more well the. Christmas was for her yeah but it wasn't.

actually providing the actual benefit. like what you want to do whether it's a. school fund yeah whatever else that's. what I want to do is create a school. fund for her so well you're not going to. do it if you aren't able to look at a. budget maybe you should look at a. budget maybe you should know how much. money is coming in I don't think you get. to create a school fund if you don't. know how much money's coming in no I. what money would go to a school fund if. the money that's coming in is an unknown. amount I have no idea that's why like I. want to understand it want to why. haven't you done anything to understand.

it because Google exists YouTube exists. hi we're here the the terms of. everything Financial is just I don't. understand dollar account income. expenses it just doesn't compute in my. brain what I just said was too advanced. not. necessarily I mean you kind of dumbed it. down but uh a lot of what are you what. else is there interest minimum monthly. payment. you know.

those yeah now I do what what what what. what else is. there I don't know I guess I'm just. overthinking it what are you. overthinking you're not thinking you. haven't looked at a dollar what thinking. leads to overthinking you're not. thinking there's no thinking I panic you. know by what you haven't done anything. because I don't know the information. that's why I panic so why don't you get. the. information it's literally right there. you can open accounts.

[Music]. yeah I I guess I don't have good excuse. for that but I think you guys have a. desire I think you guys have a desire. for your daughter's future I don't think. through your actions in your language. you actually care more about that than. you're having fun your little Christmas. your car flipping protecting your. anxieties I think you put those easy. Pleasures that can be achieved like that.

over the. long-term desires that I think you truly. have for the daughter but you want those. immediate dopamine hits that is what. you're approaching first and your. language is showing that then you spent. $2,200 more than you make on a monthly. basis because you don't care you don't. care enough to look you don't care. enough to know as the one who does look. we don't care you do not leave this. building until you down download the. simpler budget app since you guys get.

premium forever you guys get a twoe. trial but since you guys get premium. forever use the automatic connecting. accounts you can look in there it'll. show you exactly how much money came in. and went out and into what categories. and if you're budget's over if it's. under it literally does it all for you. there's no more excuses so you do not. leave until you download that and redeem. the free annual or the free premium. forever sit down in the live sessions. with the certified financial planners. take the classes do everything stop. around this is.

it no more of putting the B above your. child we just no more of that I want to. see yourselfself where you guys think. you are and then we're going to talk. about this Amazon card I'm going to go 3. 2 1 go and on go I want you guys at the. same exact time to give me what you. think your household Financial score is. 0 to 10 Zer being the worst 10 being the. best where do you think the household is. three 3 two.

one okay so you think you're a little. better but you're also the one that. doesn't know anything about your money. and you're the one that says you know. things about your money but also don't. know anything about your money so that's. fair they're both low scores your guys'. Finance probably do suck or about to. find out together guys watch your Hammer. Financial score it's free Link in the. description below check it out see where. you stand in the world of finances and. if you want to come on the show get a. good Financial beating some tough love. and hang out with everyone here it's a. good time time uh go to Caleb hammer.com.

apply we'd be happy to have you here. okay Amazon Chase Card tell me what is. up with the Amazon Chase card I believe. I heard a rumor from your mouth earlier. that this is a new card uh yeah. relatively it's so what the why why are. we open more Debs if we can't manage our. debts if our Debs are getting worse why. are we opening more access to lines of. credit especially to a dangerous. platform like Amazon where all have to. goes boop boop boop boop yeah I guess I. didn't think about how dangerous it.

really is cuz we initially got it cuz of. the cash back we going to use the cash. back to pay for Christmas the following. year and her birthday the are you. talking about walk me through the math. please please go ahead go ahead yeah. let's see 2025 is Christmas paid by the. cash back from 2024 of which is only 5%. cash back on the Amazon card trust me I. like the card I know the card go ahead. please well well actually no can he have. the Whiteboard I want him to draw how he. thinks this works I want I want to see.

your grand plan your special special. little plan okay can you draw this for. me well this is prettying exciting for. the world of financial audit something. big Mar nearly 60,000 of you have. downloaded my budgeting app simpler. budget in just a few weeks of its launch. and let me tell you we've heard amazing. feedback people are enjoying the. automatic account connections people are. enjoying the community chat people are. enjoying building their budget sticking.

to it and actually changing their lives. finally for the first time yeah and we. are adding new features every single. week and I am going to make this the. best budgeting app that has ever been. created this is a project that I am so. proud of we put hundreds of thousands of. dollars into this thing for every. account that signs up it also costs us. money and guess what it costs us money. for every single count that is. automatically connected through the. Plaid system it's pretty wild but to. make sure you actually get the value out. of it that you crave and that it's worth.

it to you there is a free trial so. download the simpler budget app today. join these 60,000 people who are. literally changing their lives for the. first time literally this gives you. control of your financial future once. and for all so download simpler budget. today keep it to yourself I'll look you. draw I want you to make the craziest God. diagram you've ever made in your life. use the colors go crazy it made sense to. me. all right all.

right yeah let's see go on guy oh big. big artist okay so it has a $5,000 limit. so if we get to the 5,000 5% of that. would if we get to probably over the. course of a full year though I mean. there would be initially we're going to. pay it off every month of course as. everyone's little Grand strategy grand. plan I'm not an artist.

so but you said the cash back from this. Christmas would pay for next Christmas. so make that math work please I I I. would love to see this I want to see. your homework I want to see your. homework and I will give you a grade. okay well not necessarily just from. Christmas that is what you said if I not. mistaken over the course of the Year. let's see come on so you have a $5,000. limit you spend. like TR try to talk into the mic I know. for a fact we pay 200 a month for. formula so that's 200 a month every.

month time. 12 so. that's. 2400 5% of that my math is terrible so. this is going to be. [Music]. difficult okay is the logic making sense. so far. wifey look at over the husband's. shoulder who you don't know anything.

about your finances but here's his logic. that he used with your money no the. logic that he he didn't draw it out for. me like he is nicely doing with you but. the way that he explained it to me was. that since Christmas is in December and. her birthday is in May then we can use. the cash back that we get from all the. purchases to pay for birthday presents. and then the um cash back that we get. from May to December to pay for um. Christmas and that would be pretty much. so sense so does that make sense it made.

sense and how do we do that to make that. work we spend. money on on the Amazon. card so that we can get the cash back. it's like free. money I think but but we're supposed to. pay it off that's the problem is that we. got I thought we were paying on it. though that's we were but not paying it. off every month I don't know if you're. allowed to have a thought if you are not. looking at the.

statements guess that's true I just. pressed my art so let's see okay that's. curious because right here I see. interest acre so obviously the plan. failed. $371 yeah yeah yeah in one single month. did we pay the minimum payment no or. well we paid the minimum payment did we. pay off the full balance no no no so of. the one of the new balance of.

$2,264 okay we get a 5% cash back a huge. huge $100 huge $100 that's awesome but. in just about. three months wait sorry no it wasn't. even that's that's not even how it works. because no you only made. $1,487 a purchase so really the new cash. back we got was $74 so in 2 and 1/2. months 2 and 1/2 months of not paying on. this balance and only making more. purchases guess what happens it goes.

you've you've negated the entire. situation because because and I would. love I would just love to hear if I if I. perhaps I would love to. hear which one's bigger 5% or. 2849 28 oh that's curious yeah that's. the interest you're paying on the card. that you thought was paid off because. you know the guy that you trust with. your money as you say the money guy. isn't well so for that card we were.

planning our tax return to pay it. off right because we gave bir to a. really big tax break so. yeah you tipped your plan your plan was. to pay for. Christmas by using the cash back on a. card that you were going to pay off. every single month and not acrw interest. on and not ACR fees because you were.

going to manage it perfectly that plan. failed so instead we rip it up all the. way and use our child tax credit to pay. it off however what typically happens in. this plan where you're making the but. we'll do this with this with this with. this something that was going to be paid. via the tax return is going to have to. be put on the back burner or onto a. credit card because that is just how you. guys operate in order to deal with this.

situation that you want to deal with you. use this but now of a sudden this is a. problem and then you have to use. something else to do this and this is. the tax return right now that is dealing. with the credit card but this is going. to create its own problem because that's. all you're doing this was going to cover. another bill and you're going to put. that on a credit card and you'll be in. this endless loop because that's all you. guys. do no thoughts on that guys no thoughts. on that not a single little. I take a little brain cell connection I.

didn't know it was that high oh why I. don't know I don't pay attention to it. no I'll tell you why cuz you haven't. looked. yeah you have aing. newborn we don't around with this. guys to be fair a lot of those purchases. you're going to to be fair me your. fairness your fair Amazon on Amazon. Amazon Target uh.

Xbox more Xbox Disney plus the critical. things in life guys Amazon Amazon Amazon. Amazon Amazon Prime video requirement. for existence Amazon Amazon Amazon. Amazon Amazon Best Buy what did you get. for $200 a Best Buy I have no clue what. did we get for $200 a Best Buy this is. what happens when you use when you have. no respect to the dollar $200 is a ton. of money you better bet you I know what. I spent $200 on last month I don't what. did you spend $200 on last.

month I what did you buy I don't. remember you don't I. don't well you're paying interest on it. yeah I didn't even know that you could. buy from other places with an Amazon. card it's just a credit card it works. anywhere i' been using it this that's. how he speaks and then you think he's. okay I see it yeah cuz you responded. like a sassy only I'm allowed to do that. I have consent for it fair enough okay.

fair enough you're not going to get. anywhere talking like that to her yeah I. mean I I don't mean it. disrespectfully it doesn't matter how. you mean it doesn't fuing matter how you. mean it it's how the other person takes. it trust. me now you see why I get so frustrated. when talk to him about the budget. so yeah but it's also your. responsibility as cuz you can take a. look in the accounts without asking I.

guess yeah Amazon Amazon Amazon Amazon. who wants to pull up the amazon the pull. up fees fees who was late who was late. hey Bill payer hey Bill payer hey Bill. payer you were late on a month last last. year you were late you were late the pay. bill. guy oh the money guy he was so excited I. when we when. late it was in December I logged in and.

then yeah and then it logged me out it. was a login thing I know it was my fault. it was my fault I loged yeah I got. logged out and then I. yeah he got logged out locked out then. you call yeah that's what I did but it. was too late it was already. late I never got locked out you could. have just used my phone why is not on. auto.

pay. um I don't know I don't that's a. thrilling re reason yeah I I'll be. honest with you I didn't know you could. put credit card payments on auto pay and. you're the money guy yeah you talked to. me sassy when I didn't know you can buy. Best Buy off of an Amazon card sure. enough who's showing me the Amazon. account she can show. you like our so you're the one spending. on Amazon even though you don't know the. financial situation it's mostly me yeah.

because I don't like to go out into the. world guys he's the spender that's what. she said earlier that's what she said. those are the words that came out of her. mouth that was $1,500 of spending $1,500. of spending on $6,000 hours a month do. you want to screen record it or. just we'll censor anything private yes. okay well here's the orders. a laundry basket I'm sure we didn't have.

that well I have a metal toy box for all. the toys and I get scared that she's. going to bang her head on it so I got a. softer one so a lot of it is for for our. daughter like the I I hope so the. formula Huggies is only available on. Amazon candy sticks don't 100% need it. same with the I bet that the hungry. teeth are I could see it but maybe just. choose one or the other right it's like. I get it you're buying a lot of things. you have a good heart for it the goat. milk formula wow we're really we're. going to the third the third it's closer.

to breast milk than regular formula it's. better for them okay and you're not. you're not titting it up I stopped. producing sadly around like six or seven. months just let me know I can always. squeeze for. myself I mean please do breast milk is. better than anything on this planet so. well it's coffee creamer it comes out. probably not good for babies. then yeah baby stuff found found ation. yes translucent beauty stuff mhm uh.

another thing for the face yes I'm first. more makeup stuff I'm First Impressions. I have to look the part unfortunately so. they do for a receptionist job yes are. you getting commission sadly no well why. would you as a receptionist I'm like I. get it guess a makeup there's like 50. different makeup purchases in here yeah. I mean they quite literally do a review. on our appearance. with it's like a little section in the. yearly riew you got a fancy.

iced hot and iced coffee maker yes get a. Mr fing coffee and an ice we did we did. and it broke broke get a slightly better. one or the same one again I don't know. that was just a unlucky thing we were we. were trying to stop buying Red Bulls. pable mop cuz we were lot of goat. formula my goodness we're a lot yeah oh. oh you you're you're into theing uh. little uh. uh Lusty.

obesity uh animals and Dragons each. other books that might that my lady. friends are into no the books no it's. not like that smut they love that stuff. all the lady friends in my friend group. love the smut the. dragon humans and stuff that's so. interesting it's so interesting I did. not know that's what those books were. about it's so naughty they're just. always touching wings. no that's crazy oh that's the wrong book.

by the way you're thinking of a. different book series than the one. you're seeing I don't know but you're. getting eximo. relief that's for our daughter tell her. to stop lots of red bow goat milk every. second of our life we have multiple. phone cases by the way in the month baby. matoy yeah yeah yeah wood and play Tool. this just like in terms of Necessities. like remember you're paying interest on. this I'm okay if you got if you got got. that in if you got that in cash it'd be.

a little different cuz I appreciate you. know getting simulation things for the. kid but you're doing this on a card that. you can't pay off that is a cre interest. that had a late fee last year that you. thought was paid off every single month. that was supposed to pay for Christmas. next month which is now negatively. paying for Christmas as and you're GNA. have to pay basically double for. Christmas to make it. work yeah that's how we're doing. it it's not the absolute worst it's a. lot of purchases the makeup was a lot. it's drugstore so it's cheaper than it. was still a.

lot of different kinds it should be the. same foundation so I saw a few different. things in. there go through the budgeting. class that's the one I want you to go. through we do debt and investing as well. go through the budgeting class go. through the budgeting class you guys get. it for free you guys get it for 15% off. as a bundle uh in our stand store link. below.

but guys you have to go through it. together take the education together you. have to be on the same page that will. teach her about money if she takes a. debt class that'll teach you guys about. the fundamentals of debt good and bad do. the in uh eventually the investing one. then you don't have to explain you guys. take it together you learn together you. take the quizzes together it all goes. well and then no more arguments no more. him having to explain yeah that takes. the pressure off me yes but also you. guys can just have an adult convers. Quicksilver what's up with this that is.

I don't know which one that is that's. our Capital One Quicks oh um it's so. originally when we bought our house we. had I had that credit card way before. but um we had our house when we got our. house I put all of our utilities on it. and we did pay it off every month for. three years and then and then when she. was out of work for um was it paid after. she I. yeah what was the percentage 60 but it.

was only for no I took all my vacation. time I saved up my vacation time and all. of my six sick time I had like 80 hours. of each and I took those and then um I. was paying for the temporary disability. and they paid me for 6 weeks at 60% yeah. but after that um had to come out of. pocket okay so that's that's about 3 to. 4 months when she While She Was Out of. utility. and we were going to no it wasn't it.

wasn't three or four months of yeah it. is because when you went back to work. that month was also weird cuz he went. back like through the month yeah I went. back early yeah what does the future. hold for business ask nine experts and. you'll get 10 answers rates will rise or. fall inflation's going up or down is. there an upcoming bull market or a bare. Market can someone invent a crystal ball. already until then over 41 1,000. businesses have future proofed their. business with today's sponsor net Suite.

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that's nets.com Slammer thanks to netsu. for sponsoring today's video now let's. jump back into the audit so was gone and. you had to spend on a credit card is. what you're saying is that what I'm. hearing yeah well it's it was already. being spent I just didn't pay it off I. paid the minimum payment on it instead. so that whenever she came back to work. we could knock it out but it obviously. we did not get to that part. why didn't we cut back on fun because I.

know you guys spend on fun that was. three months postp part we're not fun. was but you spent on it on the card well. that card is for you that's what I'm. saying you can cut back to life style a. little because I know you guys are. living higher than you need to at a. minimum yeah listen it sucks that you. got 50% I'm sorry you had to take your. vacation time you know that's I guess. what it was yeah exactly that that is a. better way to look at it cuz what are we. going to do cry I don't know so but you. have to actually adjust and you have the.

ability to meal prep you have the. ability to cut back and going out to eat. or something you have the ability to buy. less things that are 100%. unnecessary um. hormonal postpartum. women yes get what they. want or you don't get to see the next. day I'm sure I get it I understand what. you're saying and I would want to take.

care of mine as well the is real I get. it but guess what you're still paying. for it and it's n months later so these. are the consequences of those. immaturities yeah if we're using real. words. okay if we're unable I don't know I. don't know was the was that accident was. the kid intentional in an accident uh it. was intentional very int I think we were. ready yet if we had to put our life on a. credit card you had to put your life on. a credit card he doesn't know how much. he spends in a month I asked him over. and over again if we can afford a child.

well he doesn't know a single sh about. your finances okay but before we had a. baby we had like an extra thousand to. $2,000 a month we don't spend now we. spend on daycare and other things no I. think we had we had more while she was. out though if you had an extra th000 or. $2,000 a month if she was making 60% as. the less income of the. house should have been able to squeeze. by pretty decently oh we did that's what. I'm saying as soon as no you said you. put on a credit card well I did then I.

just didn't pay it I that was that was. onedit C I was just trying to make sure. that we had cash available if something. if she had to stay out longer that was. my in that's the thing then you weren't. ready to have a kid you should have had. a bigger stockpile if your big fear is. not having cash available and having to. put it on a credit card if you had to. put things on a credit card regardless. of the reason why if you had to you were. not ready that's another thing that came. out my savings too was is like the um. you have to prepay the hospital for the.

baby so that came out of my savings as. well okay which again you factor in. right how much did that. cost 12 the prepaid uh like 12267 okay. and we factor that in reality of the. situation we're not going to boohoo cry. cry yeah cover all of it though I know. you did but that took away and then you. felt like you didn't have enough cash so. you put it on a credit card and now. we're still paying for this 9 months. later with interest acre $39 8 on a. monthly basis you have a balance of.

$1,539 that went up from. $455 your balance has only gone up yeah. $462 of purchases guys with a $54. minimum to payment it went. up. up is it only bills that are going on. yeah it's only bills well let's see this. should only be utility I see energy yeah. okay you're the Brian and Bo money guy.

of this conversation according to you. both buddy if it is a creu interest and. you cannot pay off the entire balance. regardless of it is bills we're not. putting it on a card that is fuing us. because you are paying a 30% fee for. your bills why would you allow to pay. 30% extra on your bills why is that okay. in your mind I well okay let me answer. that for you I I remember him saying.

that he was going to put all of our. bills on a credit card that we can pay. it off and like at the end of the at the. end of each month um I've heard that. like three times that one it's never. happen so that it would help his credit. because what's your credit score better. now9 that's obviously not happening you. got to stop you got to stop having that. like arrogance thinking you're going to. be able to to pay off every you never. get so why have you failed in this why.

have you failed in this cuz in the cards. we've talked at so far you're always. like I'm going to pay them off it was it. was the plan to pay them off um okay so. how have we failed on that every time I. just I I have like a paranoia of our. checking account going below like $1,000. you should budget spend less than you. make and then boom no paranoia what do. you mean simpler budget download it easy. and you wouldn't have up yeah. well I mean what I'm so confused what's. the so what's the real issue cuz that's. a stupid issue because you can control.

that guess it's easier to make the. minimum payment then pay off the balance. but your entire intention in telling. yourself was that you're going to pay. off the balance then you keep telling. yourself that as you open a new card. like an Amazon card I started off doing. that but you weren't doing it for a. while now you weren't doing it for a. while now and you thought you could open. up a new credit. card Christmas well yeah it's for. Christmas so I. mean your Christmas your kid won't. no yeah they don't have memories until.

after like. three is that true two or three yeah. memories that they can. like remember bring to like the. Forefront yeah you got some imprinting. going on but whe whatever like just hand. them a fing pretzel and they think they. got something exciting babies can't have. pretzel you know what I mean you didn't. have to go crazy for Christmas sometimes. we only bought her like two gifts and. the rest came from like families but. then um then this excuse for it was.

Christmas is stupid my cousin had a baby. 9 days after me too so I obviously. bought happy birthday brand new baby we. can't pay for our. own in a nicer. way so I really I care about I don't. know maybe it's a personal thing I care. about being able to take care of your. kid well yeah but it was again only like. two gifts for what were the gifts cuz. you said you literally told me but. Christmas to so they were teasing and.

you know beginning to like so all of. this was because of was Christmas well. Yeahs all of it but you have only. brought up Christmas what the well. that's all I B that was that was the. most recent I mean yeah we just buy we. buy diapers we buy Wipes we buy all that. stuff on Amazon that's why it's on. there I sent her a lot of my like and we. bought things for each other as well on. there. yeah like the books you bought me and.

Kindle we didn't buy unnecessary people. like she doesn't need more we didn't buy. like our third cousins gifts or whatever. or we just bought list I don't know told. you told me it was Christmas that's all. I heard I'm taking your words I'm trying. to listen to you and actually accept. what you want or accept what you say is. the reality of the situation yeah yeah. yeah. but. I yeah it's just I mean that was the. main thing is Chris we just we spent it. on Christmas this is all utilities I. don't know what the that that one's. utilities yes yeah and it's at.

28.24 I always talk I mean you got 1,633. I always tell people if they have like. $1,000 in a high yield savings to put it. in the brokerage I use Mumu because they. get 8% on their money for a while like. that's incredible that's an incredible. return on your investment yeah you know. so S&P 500 averages out at 10% you are. losing 28.24 per of your. money this ising crazy and it's because. we're afraid so what would happen if you. Dro can you tell me a little example. what would happen if in your check.

account who went. under your big. fear your big. fear what would. happen oh guy what would. happen uh what would happen probably. start panicking to be honest what would. happen uh I would cut back everything. what would actually happen I mean if it. went under the Thousand nothing if it. went under under zero under zero what.

would happened you can charge oh a. little overdraft fee perhaps you're. losing that same amount of money that. you would have in an overdraft fee on. just the interest on this card alone if. not double so this fear is stupid. because mathematically is equating in. the same he used to have that fear I. kind of instilled that into him though. of it not she smiling about this okay. what tell me his thing was um before I. kind of trained him is she excited about. this what she's proud that she convinced.

me it goes back to the car fing where he. had my money 18 yeah he had 18 cars he. put aftermarket this that and the other. um wheels and tires were always first. thing to go on to it so when I got. together I had cuz I obviously grew up. poor I was like you can't spin like you. have to have X amount of money in your. checking account at all times but like. he did not he would live on $8 in his. checking. account where yeah.

but yeah where was the fear instilled. just that I I instilled it because like. he learned from me so you just told him. not okay thought there was going to be. okay so originally I would I would blow. all my money on car parts and stuff and. then I would live off like 20 bucks for. two like a month yeah yeah use some of. your Scrappy energy now cut back learn. some of those skills had was that stupid. sure but you were being Scrappy You Can. Be Scrappy again.

man yeah well the the problem I think. the problem is is I have this fear now. that I can't do it that I can't go below. or can't oh fear yeah I have like a no I. don't want you to go below but all I am. saying if your big fear is that you're. going to hit an overdraft you lost just. as much money if not double on this card. alone then we had three cards that's a. cent interest so you're essentially. getting the overdraft mathematical. equation times five right now on a. monthly basis so what like your logic. isn't working sure I mean at that point.

a payment bounce would hit a return fee. could be done if what is coming out of. that checking account that goes into. overdraft is like a credit card payment. or something yes there are more. consequences but mathematically you're. still basically paying that now and it's. listen if you know what is going in what. is going out if you manage what is going. out and you know what is coming in you. won't go will happen no one overdrafts. like that you know what's happening and. if you have to swipe the debit card for. an emergency you know if you have the.

money or not. yeah so that's stop with that. that is that is an anxiety that is. irrational in your case because you can. control it well now the fear is um kind. of trying to pay off all of them so we. don't have that cuz he finally balances. have gone up that is curious that is an. interesting response to fear make it. worse H I'm let me go further down it's. an interesting.

reaction a shark is coming towards me. let me cut myself. yeah it's a very interesting interesting. uh way of going. about the. dumbass Apple card what's up with. this um which Apple card is I have no. idea yeah I uh we have the real names. backed out blacked out so.

$1,361 45 that's mine okay what's going. on I'm honestly that one I just used. shark of the balance went up what have. thought that never happens for you guys. it's a big fear of that debt we have to. pay off all the debt big fear I would. spend that one just like on gas stations. and the are you kidding like energy. drinks stop buy a bulk I I on Amazon. you're doing worse why revert I I also.

buy I buy other things on there as well. like is he kidding what are you Z you. think he you. actually why why do you need that well I. actually switch back to vaping which is. worse but I don't even know what you're. talking about I have Tik Tok shopping. two apple bills I don't even have a. convenience store wait I don't know wait. is that your card or yeah my card oh. what are you getting on Tik Tok shop I. don't know I don't even remember to be. honest oh that was your that was your. sweater oh it was just cuz it was on my.

phone already it was easier to pay. through Tik Tok you can't pay off the. balance it's a crewing interest and it's. only going higher in Balance so we buy a. sweater F the sweater it doesn't. matter you don't this fear this fear you. have of being in this. debt is not very real cuz you're doing. nothing to address it when I'm afraid of.

things how you address it I I'm so. confused I tend to avoid. it which is also a stupid reaction to. the. fear at least an immature one at. that well it I mean it is what it is but. yeah I guess is what it is that's listen. in terms of things you couldn't control. I will accept it is what it is for. things you could you this is in your. control I didn't understand it so I.

learn stay from it. GPT budgeting class don't know what GP. budgeting app you know what Google is. though you know what YouTube is you're. on. it uhhuh if you don't know something you. have you have more information than. Humanity has ever had literally in your. pocket there's so much information. though it's. overwhelming you can make excuses as.

much as you want it's you to learn it's. on you to learn and if you don't it's. also on. you and I can't have sympathy for that I. really can't like I'll have a little bit. because I know it's anxiety inducing you. got to push through that because this is. your entire life this is your kids's. life mhm at some point that's a selfish. of. you pull up your Apple subscriptions let. me see and pull up yours too I don't. open your phones open your phones I. don't have an iPhone anymore so I can't. what do you have I have a Samsung he.

just got a brand new phone well open. your your subscriptions in Samsung and. Google Play I don't even have. any maybe we'll see. ma'am okay that's an apple card oh I. don't even know where subscriptions are. in this phone yet I didn't know that you. could look them. up just face tune for 60 face tune yep. you're paying 60 bucks for face tune 60.

bucks for face I think it's. annual yep you got face to you're not in. dating apps anymore so I don't even know. who you're trying to catfish no Play. Store profile icon in the top right. payments and subscriptions I am being. told from the one Android User in the. office Play Store profile icon in the. top right payments and subscriptions oh. okay subscriptions oh it's a free trial. I'm just going to go ahead and cancel. August. okay then what are uh what these Apple.

purchases that you had uh when I had my. iPhone more than likely when I had my. what were they for I what was the price. I don't uh $839 and $9.99 999 is. definitely a. subscription uh wise our C video camera. system yeah $899 I'm pretty sure that's. 30 bucks in interest recruit in the last. month but you got a dollar of cash back. oh guys are really beating the system. here's your Apple card. 50311 mhm so we really love Apple huh.

guys yeah I have no idea what I bought. one your balance actually went down the. one person who isn't looking at accounts. the first time she has her own card it's. better than any card you have good job. money guy Tik Tok shop $35 save her but. she doesn't know what money is happening. how do you save if. you either way you got $353 on tikk shop. what was it I I tried to bring her into. the finances but like our I guess my. miscommunication of explaining it made.

her anxious so we just like argued. instead Yeah I broke a pair of my. sunglasses of really sensitive eyes um. close them well you can't do that while. you're driving no can you yes it'll. solve all these Financial issues okay um. that life kind of morbid but no yeah I. don't have life insurance um I my. sunglasses broke so I bought another. pair on Tik Tok shop because $654 of.

Interest listen if your anxiety can. handle you looking an account I'll. connect you with the therapist to sound. mine you get three sessions for free so. check it out I think our audience does. as well um this a great resources that I. personally use and love therapy therapy. therapy therapy if you're too anxious to. can look at an account yeah see a. therapist who would have thought Best. Buy okay well I had Best Buy purchases. on the Amazon card so what the is going. on with the Best Buy card at that uh. Best Buy card is um interest free it's.

on a promotion. $1,713 and9 cents yes okay a uh $29. minimum payment so okay here we go. until August yeah August 23rd 2025 and. then November 23rd 2026 that one's that. one's a long time what what did we get. uh washer and dryer and a MacBook. MacBook not we you no I mean we got the. washer and dryer I got the Mac used.

washer dryer we did have a used washer. and dryer could get another one um well. ours was janky it didn't work yeah you. can test it like crazy when you get it. before you take it home just like. anything else you get on Facebook. Marketplace but go around the used. washer must nice people on Facebook. Marketplace cuz they do not let you you. you have to go around the rich area. hovering around the rich area they're. just trying to get rid of so they put on. Facebook Marketplace and they'll just. get rid of it that's what every that's.

what you have to do that's everyone I. thought everyone knew that yeah not. Montgomery trust me I know $21 of. Interest charged last year fee is $129. what the is the fee this card doesn't. have an annual fee I don't know I don't. buy that's like three late payments it. might have been yeah three late payments. in a here on one card yeah what's your. thoughts on this girly um I am finding.

out a lot of information so I'm kind of. getting frustrated would you know this. if you don't pay. off the balances by the dates interest. automatically hits back interest back I. don't know what back interest currently. $41 of Interest has accured on the 985. balance on this card if it's not paid. off by. August it'll be like $500 $600 of.

interest that is Boom added to the. balance like that if it is not paid off. in. time oh you better get that paid off by. August well maybe you too you guys are. married you really going to let no. offense you him manag the entire. finances look where you guys are you. have to go with this. together maybe maybe maybe I'll take. over maybe no not take. over.

together why are you guys doing this so. weird it just worked out that way I. guess yeah I don't know maybe it's her. personality no it hasn't worked out no. I'm just saying the situation just. worked out to where it's at worked out. for the. worse I don't think I don't think you. get what I'm saying I do work into that. situation I understand what you're. saying okay and I'm telling you it's not. working so change. it this is huge for financial audit for.

a year now my team and I have worked. with experts to create what I truly. believe are the three best educational. programs in the financial space online. we have our budgeting program where I. teach you how to create manage and. revolutionize your budget and control. your money and then there's the. investing program where I teach you to. Define what investing profile applies to. you and your life and then teach what. specific investing strategies apply to. you in that situation and now finally we. have our debt program where I teach you.

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hammer.com or click the link in the. description below you will not regret. this it's a crazy. concept I don't understand I know we're. supposed to do things together but I. don't understand how we're supposed to. do it together if I don't understand and. he doesn't understand we fight all the. time. so rather just talk the last fight tell. me what happen when was the last fight. what happened like 3 days ago okay good. talk talk me through it not good that. told she said shut up and stop talking. about finals we get here what happened.

guys he kept go from the beginning to. the end he sat I literally just got home. he sat down and he was just like pulls. out his fancy little uh MacBook and um. you know which you did not need you. could have got a PC for cheaper I got my. MacBook pretty cheap then it's quite. it's a MacBook. error it's. M3 well I guess it depends if you're. having a couple Chrome browsers open. your fine oh I mean it's pretty okay. well what are you doing on it work well.

work um you to I mean it's mostly on the. internet yeah oh there you go exactly. what I just said but I'm also doing. spreadsheets and things like that so and. it Google Sheets no Excel okay I mean. yeah I'm sure that's fine that's fine. you're not doing anything that's pushing. it so anyways he came home and try to. make a budget with me and um he was just. like we need to put this money from the. box which is like a cash box that we. keep for emergencies around the house. cash box yeah it is literal cash literal.

cash in our. safe. okay keep going um he said that we. needed to take that and pay off this. credit card and then after we pay off. that credit card it needs to go into the. safe so we won't touch it and then we. need to pay like out of the savings. account um on this another or on this. other um credit card and then we just. need to not do anything fun which kind. of made me upset because I I mean she's.

going to be a year old during the summer. and I want to take her to the zoo or oh. she won't remember no but I will I we. have pictures I don't care you'll have a. lot of memories yeah you'll have. pictures you can take pictures pictures. are great yeah and then you show them. when they're older yeah create. a little green screen put Zoo footage. behind it take pictures of that you'll. be fine that's not fun listen no it's. not I want you to go to the zoo people. are going to think I'm like mean say no. Zoo for one-year-old it's not that guys.

you literally are on the brink of. getting F. financially and your choices are only. getting worse and the finances are only. getting worse so I don't care if the. one-year-old goes to a zoo if it gets to. keep a roof over their head for longer. if it gets a college fund if it has food. on the table reliably if their parents. are fighting their entire life because. they can't have a conversation about. finances because the budgets are under. control because the has spiraled into. even worse I don't give a if she saw the. zoo at one if all those other things are.

in play if they're not Zoo it up but. they're not well they are they're all in. play all the bad. finances uh potentially to be the need. to be responsible. no he was bringing it up like every. single day and I can't and what did you. say I just got tired of it what did you. say to those responses though every. single day what did she say she said I.

don't want to hear it don't don't talk. about it I don't want to talk so every. single day I don't want to talk about it. what do you think that's going to lead. to no I made a plan and then like the. next day I would like make a plan with. him the next day did should she make a. plan with you every day we came up with. a general outline and then we I kind of. specified it a little more in depth the. next day and she just didn't want to. talk about it no you switched the plan. and like hopped onto something else. first and then but I thought the plan. was starting here and you're like no. we're going to start here and that's. what's confusing when you bounce back.

and forth back and forth I was why being. consistent I wasn't I wasn't being. inconsistent I was bringing up other. options which way works better for us to. do asking or telling well no I asking no. that's not true I was asking I said do. you think this would work better or do. you think this would work better well I. have no idea like you got to tell me why. have sheet it shows everything I. don't not really well versed on. spreadsheets and yours are confusing. that's fair I guess actually I will say.

it. isn't well you can't claim dumb on. everything you got to eventually learn. something I am pretty smart but but. you've claimed dumb on every topic we've. talked about when it comes to like math. and money yeah but we caning learn you. just have to put an effort if you. realize you're stupid on something learn. when I realize I'm stupid on something. that is impacting my life I learn at. that point is is your fault you can't. claim ignorance on everything forever. you can't be saying this at 50 that oh.

no there are two there's a couple. columns in a spreadsheet my mind broke. you can't do that that only holds weight. for a few times and then you learn you. ask. questions that is not going to hold. water forever dude at some point that's. a lazy excuse I'm writing now. so are you so but surely what are you. doing trying to listen more. to him is she yeah she's she's she's. doing a lot better that listen is he.

approaching it correctly that's. something I'm working on yeah I'm asking. her oh sorry he's working on it what. what does that look like yeah it means. he has to allow me to ask as many. questions as I want to to get to a. conclusion that I can understand rather. than getting frustrated and just walking. away why why do you get so frustrated. when she ask. questions he thinks I should understand. it because I guess I you you probably. should at this point if we're being. honest but you don't so we need to deal.

with it yeah well it's it's I'm working. on it okay well that's that's all you've. said you have to answer the question. that I ask so I can have any kind of. insight into this so we can come up with. a plan and. whatnot well I mean I'm going. to listen to her questions and then. answer the questions as she asked them. that's what I'm working on not try to. explain everything all at once yeah.

going in by individual question cuz when. it kind of kind of umbrellas it it. it it makes it. difficult how do you learn other. things well um I'm very good at learning. things that I'm actually interested in. well yes but your daughter's entire life. is at stake so time to become interested. real quick. Fair um I don't know I'm very like book. smart and I good read a read a finance.

book read a budgeting book I have an. identic memory so um budgeting book a. budgeting book yeah read one no one. that's actually. interesting. yeah oh no if I know one. yeah I like Brian and Bose speaking of. the money guy they have a good book. millionaire Mission because if it's a. bunch of like big words that what's a. big word to you like I don't know is the.

word budget big. like no it's not. like when I say big words ground like in. simple terms that like everybody off the. street can understand you. know I it's it's hard to determine where. you're at I I don't know slate the I. haven't even seen like a Chase Slate. card I think this is yours yes sir. so I'm. confused it's late and no payment is.

made on it but it only has a $77 B yes. oh no I went up yeah what the is this. this is stupid it had a balance that. could be paid off in the minimum monthly. payment so what the why is it. late I guess I forgot about it listen he. put wrong with auto pays and don't you. manage the finances why is this he. organized that's her card before we were. like Mar you don't incorporate it into. the. pile why so why does why do you have.

this super special Unique Card I think I. had two late payments on it this year. actually why do you have this super. special Unique Card why don't you. include it in the pile of everything. else cuz it's mine it's in my name yours. your yes but why doesn't he you can't. have eyes on things that are in his name. I don't have eyes on the Capital One cuz. why why did you guys have eyes on the. finances of the. house not saying you have to go through.

like why' you make this purchase why'. you make this purchase see it all in. like at once without like me sharing my. logins with him yes you guys just have. to sit down and go through statements. together guys okay I guess that would be. smart oh who would have. thought that's why I'm glad again the. budget and app will do it all. automatically for you yes fees yes. interest the year just started for first. month fees and interest oh my it's still. going Ashley mhm $1,000 out of saving.

I'm not buying furniture from them. again yeah couch was falling apart yeah. yeah my couch from them is falling apart. $1,000 flat is. owed yeah it's a very sticky couch. apparently sticky that's. hard sticky couch. what does that.

mean I don't something. stupid someone said it was sticky after. the cleaners just wiped off the dog. prints oh your couch or my couch that. couch I don't know about your couch was. like sorry do you want to join the. sticky couch Club no no God no that. sounds terrible that could be our crew. I'm pretty positive our daughter has put. sticky things on our couch you're part. of the cre sticky baby so you're a part.

of the crew no but if you use Windex. instead of actual cleaner it doesn't. make it sticky I don't boss my cleaners. around I don't it wasn't sticky even I. mean that was the funny part it doesn't. matter it doesn't we are going off topic. we are going off topic just saying. Windex okay $35 minimum the payment. $1000 on Ashley I that one seven years. to pay off doing the minimum the payment. by the way no no we don't do the minimum. payment on that well I didn't see a. payment but either way if you did the.

minimum the payment huh we just got it. yeah we just got the cou okay I'm saying. if you only did the minimum payment it. takes seven years to pay off that's all. that's okay but the interest is only. deferred for a year for a year as of two. months ago. yes. so uh okay at this point. have to pay it off before. interest $85 a month that's all we have.

to pay okay $85 a month. yeah gosh there. more oh my gosh what the okay so this is. someone's credit card what is this. Lending Club that's my personal loan for. the 18 cars that's for cars 18 cars I've. had 18 car he has 18 cars currently notr. but you have a personal loan still on. them on a couple of them yeah the.

are you. doing if you making a profit the loan. wouldn't be there oh when I say car. flipper I mean he goes through cars like. flipp page buy them them i' buy them to. have fun with them great so we have a. 9,675 loan for fun yeah you know how. dumb that is when we have a child and. our all of our Des you are the financial. bad part of this relationship all of. your debt is substantially worse than. her debt even though she doesn't look at. the money you are the one holding back.

the boat you are the anchor holding you. guys in the middle of a. storm yeah what the why do you get to be. the person that makes no sense makes no. sense it is a. $286 minimum monthly payment for a. personal loan for cars that probably. don't even exist anymore. 9,675 balance. stupid main payments for about a year on. it so you have like a trillion more to.

go 60 month term so what are you doing. with the cars that exist now how what do. you have now give me the status I have a. he has a 2017 Subaru WX and I I have a a. upside down still sell oh okay what do I. do with the negative equity well hold on. is that your primary daily driver no I. have a work truck you still sell it that. was for funsies sell it and throw it at. the debt and you're just going to have. to take care of the debt but it at least. gets it there quicker what do you mean I.

have negative equity on I still owe more. than what it's worth I. know so what I do with the negative. equity i' have to refinance it yes or. you get a personal loan or you work to. pay it off we save up amount of money to. close it off but selling the car will. get you there. quicker that's just his car it's upside. down my car is upside down is that the. only car no no I have then what else is. there that you have in your special. little experiment we no that's the only. car I have the other one so he surprised. me with a Jeep you surprise her with a.

Jeep a brand new Jeep um Cherokee Loro. it's a 2023 because I graduated college. and we got married the next week so it. was like a two for yeah he traded on. that yeah yeah do I have that yes I do. it's right here me luckily this one's. only a 6.7% interest rate that's still. not good and after depreciating and. everything it's not really competing. with the market what's the interest rate. on your personal loan um. 19% oh 19% ofing stupid upside down dumb.

me that's soing stupid. $734 mon monthly payment on yours cuz. it's inexpensive for your guys's income. my name huh it's not in my name who's in. whose name it's in his your debts always. the worst this is a cheap huh you ready. for this guys yeah. $42,000 6 $ 42,69739. cents worth. 25,000 yeah this is.

moronic. moronic and we have a kid that we can. barely save anything for that all their. diaper purchases are going on. debt and we have a car that is. worth half of what we owe on it and then. we have another car at a 20%. interest rate what the what is the. payment period on this. possibly which one the term length on.

the Jeep 2029 I think I'm going to die. and you got this two years ago we. refinance we refinance. oh you refinanced it's. still good what do like view it's our. mortgage oh okay 2.75% rate this is the. first. halfway decent thing this is actually a. decent use of Leverage. 188,000.

6745 what's the house worth 240 there we. go okay what did you put down on it uh. zero okay you just got lucky in the. market yeah we did yeah and his dad was. a a realtor. $1,484 32 great rate we just filed for. exemption well yeah I do that every uh. what so what's your daily driver uh my. work truck it's an F-150 do you all want. it no it's a company truck oh but you.

can't I can drive it to and from work do. you drive it for other things uh I'm. allowed to take it to like the grocery. store but other than that no so what do. you use the Subaru the Subaru we can't s. the subar or her Jeep we'll use her je. Jeep yes okay then I yeah get rid of the. superu is the superworth right now uh. right now 9 9,000. your personal loan is. 9,675 no the the personal loan is not. for that car I have a car loan for that.

Subaru 18,000 the personal Lo was for. all the car loan yeah that's the. personal loan what the personal loan no. personal loan is. 9,675 that's for that was for a. different car that's for car after car. after car after he bought a 3 car that. doesn't exist anymore he sold it oh. what's the $118,000 minimum monthly. payment for this stupid Subaru uh. $489.

interest uh I think it's 9% the money. guy 9% it's stupid what's the payment. term on this uh 29 and it's worth 11,000. we're getting but even still that's so. stupid and then we have a load on car. that doesn't exist anymore his friend. got stop your addiction his friend got a. super after he did so they kind of. bounce off each other yeah you guys just. goon together over the. they work together to. you're people this debt is going.

insane for cars we don't even have. anymore and that's. it's I agree with you that it is stupid. and I told him so and she has no. sway you just do things without the care. of the opinion of your life partner the. mother of your child all these cars were. before we had planned on having a. daughter like we we had the car I had. the car she had the daughter 9 months.

ago and then she was pregnant 9 months. before that so that that loan yeah that. loan is the second one that refinanced. the first one so so stupid okay yeah we. have 3,400 in this checking. account right yeah oh yeah okay oh so. we're getting energy drinks Dutch Bros. energy drinks Smart Financial oh ATM 375. where'd that go what what was the.

question 375. ATM um we pulled out. $375 what's Smart Financial that's our. bank mhm yeah you did oh you guys have. no respect for the dollar energy drink. energy drink energy drink energy drink. energy drink energy drink energy drink. energy drink Dutch Bros Chick-fil-A. Sonic energy drink Taco Bell energy. drink. most of that's him also you took $625. out at the.

ATM Y and no what was that for energy. drink Little Caesar's Apple cash sh out. Wendy's Sheen $259 of. Sheen great right after I gave birth I. don't care well your body changes a lot. yeah you're also at home no I had to go. back to work so it was after maternity. mhm okay I was 94 lbs prepregnant. pregnancy and I went up to 157 so that's. a big change you were 94 you were under. 100 yeah oh my gosh energy drink energy.

drink another $250 tooken out from the. ATM I have no idea what that it's not. it's not an ATM that's a um a wire it's. coming from it's saying ATM withdraw but. it's a wire yeah where's it going that. the, 1400 is it 1400 250 250 is. twice ATM draw. daycare oh yeah yeah you so it's 250 a. week a week yeah no it's 240 a week no.

now it is oh yeah we switches sorry no. um Jake who went through this is telling. me there's a separate charge for that. and these are ATM withraw no I pull it. out uh the new our new Banks our newer. daycare comes directly out of our bank. account automa but our old daycare was. we had to pull cash and pay. cash at the same time we for the first. DEC drink Chick-fil-A guess what you're. getting energy drinks every second of. your life you're boofing energy drinks. to wake.

up best don't I don't know it looks like. a restaurant crazy Vapor yeah let's die. for our kid yeah we're we're working on. quitting we're so it's both us I I quit. um did you guys smoke cigarettes yeah we. did mhm but I quit obviously because I. got pregnant I was doing really good. keeping off The Vape but um obviously. being a new mom is stressful and he said. that he was going to quit with me but he. never did he went to Zen's while I was.

pregnant and then um so that the Vape. wouldn't be in my face and then he. started vaping after I gave birth and. got back go your kid stop easier said. than done read the books for them do. what you Jo join a group get the help. you need it's fuing crazy guys come on. you have a kid now you're only not. setting them up for financial. failure you're setting them up for. failure failure cuz going to. die Dutch Bros energy drink McDonald's. energy drink energy drink going to have.

a heart attack. too Target you never really know Dutch. Bros Goodwill yeah could beas cuz I know. they size up real quick well it's for. Christmas great Golden. Corral energy drink energy drink energy. drink raising can's Taco Bell Target you. never really know McDonald's energy. drink Chick-fil-A this is we have death. that is going up except for hers kind of.

no you're dead cuz you were late. too oh here's your death honest. mistake it was a 19,000 by the way not. 18 so let's add an extra thousand to the. debt. counter for sake guys this is what a. hole one 1 2 3 4 5 6 7 8 9 10 11 deaths. what a hole you guys have dug yourself.

and I know I say every hole any hole. will do but not this this is. horrible what it you have a degree I do. in sociology and I minored in human. services you're not using it I am it's. uh it's. hospitality I wanted to go into. Hospitality or HR I didn't go to college. no student loans no student loans I cash. for them okay if you guys want a. certificate through course careers for. any raises and resume strengths let me.

know I can gift you guys a course career. certification you can go through their. free course that's what our audience us. does to get placed in a course that. makes sense to them what is it CL course. careers it's a certification website. they're really helpful to a lot of our. guests and. audience okay let's get your budget. again we spent $2,200 more than we made. it on monthly basis kill me. now and I'm putting in that $85 minimum. Mony payment in order to pay that Ashley.

Furniture off in time oh these fing. personal loans and car loans are. destructive not including the house your. minimum monthly. payments are you okay. $1,873 no cuz you guys are dying. mortgage we know is. $1,484 32 cents so our debt is over. $3,000 on a monthly basis income 6,350 4. so 50% of our money goes to debt alone. what about utilities on a monthly basis. what do we got $400 is that including.

the internet yes gas vroom vroom drive. drive both of you combined 120 you sure. combin she she my gas is paid for by my. company oh yeah car. insurance. 286 phone. bill uh. 155 for how many lions uh five. promotions they put they add a line get. new phones over and over again that's.

the reason why phone cheaper 150 yeah. okay well you dude I would just be doing. again I always talk about it just you. can get the cheaper opt there's always a. cheaper option today for the same. quality the the one we talk about is. helium $15 a month T-Mobile towers this. is so stupid when those are paid off. switch and stop being an addict on cars. and phones so stupid necessary for you. guys and the baby babies's on uh goat. milk let's see and baby food she started. solids and baby.

food I think we could do $800 a month. might be a little high adjust it you. guys are meal prepping cooking using the. cookbook down here oh it's not a shot. use our cookbook that comes with the. premium version of the budgeting app. okay use that meal prep cook cook try. your best for your kid I don't give a I. don't care what you. like you probably don't like lung cancer. either but guess what I stop smoking. some TP fun anything else you need to. survive this goes for kid as well 150. now what is the monthly cost of child.

care uh th000 it's 960 it's 240 a week. 960 Medical Healthcare anything ongoing. monthly not no okay I am not putting. your vape and cigarette into here I'm I. don't like that any pets okay yeah we. have two yeah we have two what dogs age. uh one's 13 one's three health of the. three-year-old very good yeah good $40. for pet insurance pet food on a monthly. basis how much uh we buy one bag so 70.

uh well it that's for two months so. probably like okay so I'm going to do 35. yeah cool what else needs to be in your. budget that I don't. have savings that's it that's it no in. your monthly uh in your Necessities yeah. that that's it I think you about covered. it there bud and I mean that's I'm. giving you guys no wiggle room and we. always know there's going to be extra. something or something less cuz we try. to we do a pretty conservative version. while we're here maybe not in the.

grocery budget for you guys you can. probably do that a bit less but t t TP. fund might need to be like 50 bucks more. but the other way literally what we have. here guys is an extra. $55.55 a. month so not including your mortgage I. mean just as an example to see how dire. the situation is. it's going to take. you. 1,428 months to pay off your.

debt how long is that I'll tell you it's. going to take you 119. years oh my God and I think we'll love. to see that yeah your debts only going. up and you're adding late fees making. the situation worse do that a few more. months guess what minimum monthly. payments are going to eat up that extra. 55 and you guys are going to be negative. on a monthly basis. it's a lot of years do you have I mean I. feel like 800 is quite a bit for uh.

groceries we don't I think it might be. as well but I think your TP fund of 150. might be a little small I think they're. going to offset each other okay diapers. are expensive so. yeah there proba and there's usually. again I like to we do conservative in. terms of keeping you tight but sometimes. we boost some of the categor cuz we know. there's going to be extra stuff. somewhere that we are not taking in. account yet okay extra $55 a month.

guys I don't think we're at the. situation of needing to go through. bankruptcy you can I don't think we need. to you don't really get any behavioral. learning from there so I'd rather you at. least pay off debt for a while before. you go through bankruptcy and learn the. habits. first the reality is can you pick up. more. hours um not without taking you pick up. more hours. I mean I get like a weekend job now if. we can bring an extra $500 a month it. still takes.

forever it still takes. forever but of that an extra if we have. net let's say $500 a month still takes. 158 months to pay off but that's. obviously better uh 13 years would be. better put I mean bankruptcy would be. quicker and offer your credit by then. it's going to be difficult guys. essentially to make this work without. going through bankruptcy is either. letting things go to collections hope. they don't come after you and small.

claims are in court or anything. whatsoever your credit or your credit. through going bankruptcy I don't really. want you to do that because you don't. learn any behavioral issues that got you. here in the first place or you need to. bring an extra ,000 net through raises. through new jobs through second jobs. through evening jobs through morning. jobs whatever it is, net pay this off in. seven in six years or so. that we can do of course it'll snowball. but I'm also not taking in account. interest so that usually offsets. it okay this is a pretty brutal.

situation and you're only allowing it to. get worse and you're allowing Christmas. to be a reason a reasonable reason why. thinking you'll pay off your minimum the. payments as a reasonable reason why even. though you've proven to yourself that. you can't not willing to address it. because we're anxious about it this is. where it's led us two lifetimes to pay. off our. debt two. lifetimes it's time to go bring in more. money and sacrifice everything cuz your. child's future depends on it your child.

can be raised in a house with Financial. Security by the time they are 8 years. old with a fully funded emergency fund. no bad debt only debt being the mortgage. which is a good. mortgage and mom and dad getting on. track for retirement and you're going to. play a catch-up game at that point but. that is okay we can do. that they can know she can know that at. 8 years old when she's actually. experiencing. life right now the zoo does not matter. her growing up in a good house that is.

financially stable or her parents are. together is what matters you guys have. that choice and it begins now spending. within a budget score 0o out of 10 debt. score no collections but horrible debt. look how long it takes to pay us off. paid off one out of 10 emergency fund. well obviously of the $3,000 sitting in. there right now I take the ,000 I'd. throw it at a debt that helps pay off. about a card card and a half the cash. box two cards huh the cash box too how.

much is in there uh almost 2,000 yeah. take that maybe you guys can pay off. three cars that speeds up the process. decently okay it's still going to be. very the $55 is still going to at that. point you'll probably have an extra $150. to throw towards that so $200 so maybe. we brought it down from what 150 years. to 75 years I don't know you know it's. it's still not great but but bringing. that ,000 a month in the helps emergency. fund so because of that you started it. but you have to throw it towards the. debt but I'll give you a two out of 10. and be generous especially since it's.

sitting a checking account doing nothing. anyway retirement I didn't see. retirement we don't 30s no retirement. zero out of 10 real estate this one's. actually pretty good got an equity. position we're a little nervous probably. paying some p& PMI but good Equity. position great interest rate pretty. happy they're going to give you seven. out of 10 just because you're likely. paying PMI on it um our PMI should drop. off pretty soon they should and I'll. move it up to an eight when it does. what's a.

PMI okay and that is going to be a. hammer Financial score two out of 10 yes. because you didn't put anything down or. on a conventional loan less than 20% uh. you have to pay insurance on it for the. safety essentially of the. lender on the loan okay so do out of. time a lot of work to do guys make sure. to join us in the financial audit post. show right after this link is in the. description below we always get. something extra that I was not able to. find or something crazy that we couldn't.

talk about on the main because it'll get. us demonetized and we can't have that. and make sure you download the simpler. budget app today and get your two weeks. free trial check it out it's worth it I. promise see you in the post show you. just blamed all the cars that you can't. control on him sounds like this birthday. party is something he cannot control I. want to go all out for her birday I. never had a birthday part remember but I. will that's I don't give a about your. memory I care about your kid more than. your memory is that controversial to be. clear your desire for this memory is.

more important than your kids future yes. it is and that was a real answer that. was a real answer to watch the financial. audit post show click the join button. below.