$418,000 Of Debt To "Flee Trumps America" | Financial Audit

with blue hair. You think I'm patriotic? We can't be patriotic when we're. spending more money on bombs than we are. for like social programs. >> Literally just got the information that. you were just wrong and yet you're still. doubling down. >> I'm a military kid and I can tell you. that is not needed. >> What do you mean? >> I have opinions on a lot of things. >> that you don't know anything about. >> I definitely know more than I thought I. did. >> What? You contribute literally nothing. You've only been a taker and yet you're. the one that doesn't like the country. Then the one that gives everything is. the one that likes it. Leave her where?

>> Anywhere. I need a break. >> What happened there? Cuz that is the. reality of her situation. And maybe she. hasn't confronted it or thought about it. for the first time in her entire life. You own her. It's weird. Next week is THE FINAL WEEK. DOLLARISE. IS finally here, sending waves through. the personal finance world. This is. officially now the best budgeting app on. the market, and I'm giving you a special. deal to download, but only through March. 31st. take a free 3-day trial to test it. out. And then you get the monthly plan. at a 33% discount for the first three. months or the annual plan at an insane.

50% [music] discount. And with the. annual, you get my budget friendly. cookbook and my brand new 30-day. detailed budget meal plan signed by me. and mailed directly to you. After March. 31st, the cookbook is going away. forever. So, this is literally your last. chance. [music] Don't miss the. opportunity of a lifetime. Download. Dollarise and start your free trial. Go. to dollar.com or click the link below. >> Hi, I'm Violet and I'm 24. Hi, I'm Daron. and I'm 27 and we live in New Bron. Falls, Texas. [music]. >> And this is Financial Audit. >> Thanks for coming up from New Bron. Falls, y'all. All right.

I love a good couple's episode. What do. you do for a living, Violet? >> I am a student and an artist. >> 24. Okay. Artist. Well, yeah. Future. barista. I see it with your hair. Also, what is it with like tall kind of fat. men and like goth [laughter] women? It's. a It's a collection. Like they they. collect one. It's just like they're born. and destined for each other. Like I. don't know. Do you collect the tall. fatty or does the tall fatty collect the. gothy? >> I love tall fatties. I'm not going to.

lie. >> Mhm. >> Like I like that fat, but like. >> No, I like cuz they're super tall. >> Yeah, it kind of evens it out. >> Yeah, I guess it does even it out. So. you don't make anything? >> I have a business that does technically. make money. >> business. What's this? What is it? >> So, essentially it's a sticker business. Um, I go to markets and it centers.

around. >> it's one of those things I pull up to. every weekend and they all have the same. popups with little knickknacks people. made in a spare bedroom. >> Big booty frog. >> Wow. You're just as unique as all the. other people making really weird things. that think they're unique. >> Yes. It's every place now. It's every little. place. I'm like, "Oh, I'm going to go to. a cute little farmers market." And it's. just like everyone's selling their. spareing they make. >> I mean, you'd be surprised at like what. people will pay for a lot of the stuff. >> Oh, I'm sure they do. I'm I'm sure they.

do. I mean, that's why they're again. everywhere. It's kind of crazy. So, what. does this business make of which you. make nothing from? Um, so total revenue. I want to say in the last year it's been. around 50k. and then. >> what and you've made nothing. >> I don't pay myself. >> Where does it go? >> Um, primarily back into the business. I. believe in reinvesting into my business.

as much as possible. So, >> well to what's the future of this. business that the investing would get us. towards? Um, primarily just. variation in products. >> Variation in booty frogs. >> Yes. >> So, they show one hole there and a. different hole there. >> Oh, no. We don't show the hole. Just. >> But what's the variation? Okay. >> So, like stickers, pins, magnets, keychains. >> Do you employ anyone? How are we putting. 50,000 hours into this? There it is. >> I employ my little sibling. >> How old? >> They are 18. >> Oh, okay. Okay. Okay. Um, how much do.

you pay them? 50,000 a year. So, really, do they reap all the rewards of your. business? Is that what's happening here? kind of. >> essentially. Yeah. >> How do you feel about this? Cuz that. means all the bills are on your. shoulders. >> Not a huge fan about it. >> Yeah, I would I would bet. Uh, okay. So, you bring in zero. You say you're a. student, too. What does that What's that. situation? >> Um, so I'm an art student. Um, so I get. money from the VA to pay for my because. both my parents are 100% disabled. So, I.

have chapter 35. >> Okay. Okay. So, you don't pay anything. for college? >> Nope. >> And you're using that opportunity for a. art degree? >> Yep. >> You picked up the Goth one. Oh, they're. political stickers. I thought they're. booty stickers. >> They're booty stickers. Political. stickers. I think art is inherently. political. >> I mean, you know. >> What do you mean inherently political? If I composed a piece of music that just. sounds like.

>> victory royale. >> that's political. >> Not necessarily. It's not inherently. political. That's his take. What do you. do for a living? >> I am an R&D software engineer at a. university. >> There we go. Now we know how the bills. are paid because. >> it wasn't me. >> We know 50,000 which actually is like. good for the small business just getting. started, but you just blow it all now. You add what does the employee even do? >> They're mainly in charge of inventory. management and making sure that the. products that we have are.

>> Why can't you do this your self? Because. if I did this myself, I wouldn't be able. to go to school. >> For your art degree, you're building a. business. Why is that more important? A. build a business of which people are. showing demand, of which the marketplace. is actually giving you a thumbs up. I. would want to double down and go full. steam. >> No, that's what I want to do. >> Then do it. >> He requires me to get a degree. >> Requires what is he? Your daddy? What? What the is happening? >> He pays my bills. >> kind of. The VA does. I do. Hello. That's me. >> For the most part, it's him. Why pay for.

your degree of what you're getting? An. art degree. So you want you're forcing. her to go to school and you're okay with. the art degree. >> I mean that wasn't the first degree that. we talked about. >> Should be the last. >> Uh originally there was talk of being a. psychologist, a psychiatrist or. >> Well, you look like you just give. everyone their mental health Tik Tok. diagnosion the diagnostic medicine. regardless of anything. I don't know if. I would want you to be a psychiatrist. >> I don't think you just enable everyone. Okay. Okay, but what about this business? It.

makes money. Why can't she? Why do you. control her? Why the are you just like, "Oh, you do what I say?" I think there's. a couple reasons, but one of them. probably does come down to some like. family issues that my family is very big. on education and everyone in my family. [snorts] focuses on having. >> I'm glad I have a family that's more. entrepreneurial than the endless degree. degree collecting because we actually. end up being successful in life rather. than just having pieces of paper on a.

wall. >> I'm sorry. Why is pieces of wall Why is. a piece of paper more. important than what we actually. accomplish in life. >> Being an art professor, how else are you. going to be an art professor without a. degree? >> Is that what she wants to do over. running her business? Daddy, >> that's a good question. I would say. >> a good question. It seems to be you're. the one answering it. >> I would prefer to do my business. >> Hey, why the can't What do these. conversations go like? Why the can't you. stand up and just be your own adult? >> I do, but at the end of the day, if.

getting a degree is the only thing he. asks of me, >> only thing he asks. You've been in. school for seven years. I'm being told. >> I've been in. >> only thing I only thing he asked this is. this is a massive percentage of your. life. This is about we're going on like. a whole six. I don't know what 10 16% of your life. I. don't know something crazy. I would say. that at the end of the day, we need the. money from the VA for their schooling. and that brings in more than like this.

is the opportunity to finally get their. degree. They won't get this opportunity. again. >> I'm assuming their means yours. Are we. on the they them pronoun pipeline? >> I mean, I have blue hair. I don't. >> We're not surprised. >> Yeah. >> Should I ask you yours or do we. >> I'm kind of fine with anything. >> Um Okay, great. I love that. Sure, why. not? Um, okay. So, art degree, they them blue. hair. We get it. But here's the thing. If her business is making If their.

business is making $50,000. without her putting without. Here we go. without their putting any. without them putting any effort. It's. like I'm learning English again. I. swear. I'm so sorry. I I'm not intending. to be disrespectful. without them. putting effort into their business. $50,000 without a lift of a finger. practically right now. Imagine what it. could be if she's actually. >> Let's be real. That's revenue. >> Yes, it's revenue. But if she.

>> Oh my, >> that's not profit. Like at the end of the day, >> can I be Can I be like name the phobic. of your choice? I don't care. Can I be. phobic for a second? Can't you just be. her for a second so I could just speak? So I could just say words? I don't mind. anything. >> Thank you. I just want to be able to. talk without doing equations in my. brain. >> Oh my gosh. I went to school. I learned. >> him and her. I respect pronouns. I don't. give a.

>> do what you want to do. >> You also use they them when you don't. know the gender of the person. >> I mean, they then goes back to. Shakespeare. >> Uh, in what what context? I mean, again, I don't care about pronouns. I'm down. with pronouns. I'm just I want to I just. want to talk here. I'm talking about. money in your lives. I'm not trying to. [clears throat] jump through hoops to be. the good guy. Okay. So, yes. I mean, I say they when I. don't know things. Absolutely. But also, I mean, when a chick with like her. nipples showing through her thing in.

front of me is there, I'm thinking. woman. It's not that. And it's not I. don't I don't want to go down the rabbit. hole. I respect it. And I typically say. the pronouns and I don't really I'm very. like freedom oriented. You do whatever. you want to do. I really don't give a. I'm just trying to talk. I'm just trying. to talk and it's complicated. It's. complicated. Imagine. So, I'm just going. to do I have consent for she. >> Yes. >> Okay. If she is barely even touching her. business and full focus is on school and.

even with her employee doing inventory. management is making $50,000. Imagine. what it could be if she was putting her. full focus on her business. That could be four times. That could be. $200,000. >> That could be $200,000. But the thing is. is that I think that the business is. currently at capacity at $50,000. >> How do you think this entrepreneurial. king. >> because where's your assessment? >> My assessment is based on the fact that. of how much money they make per event, how many events they can run per year. There's only one of the events.

>> at school and also you could just come. up to Austin. Again, I say I walk around. a corner and there's one of these. popups. They're everywhere. I just went. to Asian festival. $1,000. every week. That's only $52,000. >> $1,000 per popup. >> $1,000 per popup. She could probably pay. $250 for someone to run a popup. somewhere. >> See, that's why I've been wanting to. grow my team and like at least get more. of a team. >> But you want to grow your team with. other art students. >> that don't want to work.

>> No, that's perfect. >> It's an art business. >> That's perfect. She wants to work with. art students. She can pay a minimum. wage. They're worth nothing. It's easy. Well, >> yeah. >> Well, they're not getting a job anywhere. else. >> Fair enough. She's in she's actually in. the correct marketplace. >> And then that way I can also like pay. them to go sell at the events. They can. start getting more experience for. themselves. I've even thought about. doing like the threemonth the. three-month internship into B into like.

>> Well, don't over complicate it. Listen, I mean, here's the reality. The fact is. there's a big disconnect here. I know. people like you. It's it's not. necessarily a bad thing, but you and. your family have ingrained in your brain. the degree the degree collection. mentality. You think college and. education is above all else, but you. don't realize the actual education that. happens when scaling a business. You. don't realize the actual education that. happens out in the real world outside of. just a classroom. Classroom isn't the. only place you learn in this world. People that just collect degrees, they. might become a professor in the end, but.

the most successful people in this. entire world that have led generations. of entrepreneurs are actually college. dropouts. That's the fact is the most. successful people tend to be. entrepreneurial driven. You're a a. degree collector. >> Nobody respects those except for other. degree collectors. >> I mean, I would say that at least for. me, collecting a degree has been very. profitable. Has been very capable. >> You're an engineer. You could have done. that with a certification. You would. have been fine. I just had one on the. show the other day. >> How much do you make?

>> I make 110. >> Very good. That guy was making 100. No. degree. >> That's good for him. That's good for him. and a lot of other people I know through. like course career certifications and. whatnot. They go ahead and get they get. a certification. They get $100,000 job. Your degree collection didn't do it. Your skills did it and getting a degree. was good, but people have been able to. do it without certific with. certifications. Now, don't get me wrong. >> He is talking about leaving his job. >> Well, not only that, but the labor. market is aggressively hard right now, I. will say. So, degree might push you over. that edge a bit more, but experience.

will push you over the edge any day over. that degree. The people that are. struggling right now the most are right. out of college who don't have those. experience. And a more advanced degree. could help them. But you want to leave. anyway. >> Yeah. >> And do what? >> I want to get my PhD. >> Oh, for sake. >> In. >> in robotics engineering. >> And what you going to do? >> I'm planning to either work for another. research laboratory or I'm planning to. go into industry. >> Okay. Listen, I mean, robotics is great.

Robotics is the future. I'm not. necessarily inherently opposed to this. However, this is the income that brings. well that pays the bills. Yeah. Uh and. if you continue to force her to go to. school instead of actually making money, it's the only income that pays the. bills. Also, why is it taking you 7. years? Why are you such a failure? >> Because I have to keep dropping out in. order to pay for it. I had to pick up a full-time job as a. stripper to be able to pay for my. school. >> You still do that now?

>> No. How long did you strip? >> About four years. >> What? You were a full titty titty. Flapping. Flapping. Mhm. >> But hole. >> Yep. >> You went butthole. >> I had to do nude when I went. >> It was the 18 plus bars. >> Yep. >> Oh, that shit's intense. >> Yeah. >> Did you ever do anything under the. table? >> Nope. >> I've been told that happens. >> It does. I don't think it's worth it. I've seen other people do it. Probably. not worth it at all. >> It's definitely not worth it. >> That's why it lowers yourself usually. >> Huh. It lowers what you make. Like. >> it lowers what you make and it also.

lowers what everybody else can make. >> That's weird. Okay. [laughter]. >> I had lots of stripper friends so it. worked out. >> Is that where you. >> No. >> collected her. >> No, we met in high school. >> Someone skipped a grade and someone. >> Yeah, I skipped a grade. >> And he did not. How old were you? >> I was 17. >> Which means you were 14. >> Yes. That is a bit uncomfortable. [laughter].

Like 17. If it was like you were 21 and. 17, I feel a little less comfortable. But 14's like 14s. 14 is crazy young. >> I didn't know their age until their. birthday. >> Yeah. He didn't know I was 14 until I. turned 15. >> Oh. Oh. Okay. Listen, it doesn't matter. It. was so long ago. It doesn't matter. It. doesn't matter. It doesn't matter. It's. just like it's just Yeah. When I hear.

13, 14, I start my brain starts firing. Um, [clears throat]. okay. Okay. I mean, I don't care. People. day all up in the grades in high school. I don't This isn't Tik Tok. Moral. masturbation weird freak out about. everything. [sighs] Uh, okay. So, the. main issue here though that I'm being. that I'm being told specifically is that. you just hate that he's trying to shove. Dave Ramsey down your throat. And I love. you, Big Fat. I know you love Big Fat. Daddy being shoved down your throat. And.

Dave is one. Thank you, David. >> Well, uh, probably got to do some more. research than that. >> Yeah, we did Dave Ramsey for about 5. years. >> How do you do it for five years? It's. not a fiveyear thing. What do you mean. you did Dave Ramsey for 5 years? We. tried the cash stuffing method for 5. years. >> Yeah. What the happened? You guys are. >> uh. >> Hey. Hey, you guys are I don't think. David worked for you. Cash stuffing. That's not even bad. Like I don't What.

do you mean? How do you struggle with. that for 5 years and get more? What are. you doing? >> We kind of got with credit cards about a. year ago once. >> Oh yeah, that's my favorite Dave Ramsey. strategy. Open credit cards. >> Well, that's where we started. disagreeing on the Dave Ramsey thing. I. thought, >> and now you guys are. >> Yeah, >> interesting. Maybe old fatty knows more. than blue-haired freak. >> Entirely possible. >> Listen, I disagree with him on credit. cards in general, but for the average. person, I mean, you guys are you have no. self-control. You have no self-control.

on anything. I mean, his advice applies. to the average person pretty correctly. You guys are children in the way you. live your lives. Endlessly in school. Well, endlessly in school. >> Yeah. It doesn't help that I buy a lot. at Disney. What have you guys. accomplished in life up to this point. that actually is tangible and real? I'm. going to say nothing. Well, let's see. >> Well, we own a condo. and we have a baby. >> You have a child? You were stripping. when you had a child? >> No, I stopped stripping after having a. child. >> Were you popular? >> Yes.

>> Okay. >> I was one of the highest earning. strippers that were there. >> You're you're you're relatively. attractive, so I think I think it makes. sense. Oh, but then you immediately. started an OAF. >> Yes. >> Sake. Here we go. I had to. >> Had to. What is this? Had to. >> management required it. >> Huh? As part of. as part of Yeah. When I was a stripper, management required it as part of my. advertisement. >> That's interesting. Okay. Is it You've. deleted it? >> I haven't deleted it now. >> You haven't deleted it?

>> Um, it's mainly where my regulars from. when I was stripping still support. So, I still get not a lot of money, but. it's like a little bit of money that I. can pay for dinner every week. >> Hold on. Wait, are you still posting? >> No. >> Wait, how are they giving you money? >> They just forgot to cancel. What are you. bringing in with us? >> Uh, >> I'll put that down as the income. >> I don't actually know. I think it's. around $60 a week. >> Oh, okay. Okay. Okay. Okay. So, 240. 240. a month, which you would have to pay.

taxes on, but I mean with that it's like. so so nothing. Um, okay. It's. interesting. When's the last How long. has it been since you've posted on it? >> Um, I haven't posted on it in I want to. say like two years. >> That's good. That's good. I'm happy. women to get out of their pipeline. It's. only been a year. >> It's only been a year. >> Either way, I'm happy to get I'm happy. to hear women getting out of the. pipeline, especially as a mother. How. old's the kid? >> 14 months. >> Okay. Have they decided their pronouns. yet? [laughter].

>> We're letting them decide later on. >> And what do you what's your what's your. net? My net is. so I just started this job so I'm still. like seeing what it is after taxes but I. think my net is around. 5800. a month and then I also get uh. disability from the VA. >> Why do you get disability? You were in. the military. >> I was in the Navy for 2 years. >> What did you do? >> Okay. He went to school and the Navy.

paid for it and then he got out. medically. I was naval reserve and then. >> and what's your disability? >> Uh depression and anxiety. >> What's the net again? 5,500. >> The Yeah, sorry. 5800 for the salary and. then the money that I got from the VA is. around like 2,70. >> Okay. So, what are the financial. conversations in this household? You. want to leave. You want to barely make. any money being a PhD student somewhere.

However, I will get more money from the. VA when I go back to school. >> Okay, great. >> Around 2400 extra on top of my PhD. stipend. >> Okay. Well, so you're still losing. though by an probably 33% overall. >> So, what are the money conversations in. this household? She went into stripping. an oof cuz you couldn't support her. >> Yeah. >> And now he wants you want to abandon. school and you're not allowing her to. pursue. Actually, you know what's even a. little more up? She actually has. a business that doesn't involve people. seeing her literal and you're not.

letting her do that. But you were okay. with her stripping for four years and. posting her posts online. It's like what. the what the is this? What is this? Hey, I can tell you guys are pretty. progressive, right? Okay, very good. We. love that. Where's the woman. empowerment? It's only empowering when. they're showing areas. and you won't empower her to go make a. business on her own and then you want to. back out and go pursue a degree. collection, but the entrepreneur. actually bringing in $50,000 as a small. business selling butts and political.

messages. You can't support that. Where's the woman empowerment there? >> I would say I just don't see the ability. to scale the business in the same way. I. literally brought up like three ways to. potentially do it that you probably that. like immediately your brain didn't even. bring up and they were the most simple. things ever. I don't think I don't think. your lack of ability to see a business. being able to scale because you've never. been an entrepreneur in your life and. your family's never been an entrepreneur. in their entire lives because they're. degree collectors has anything to do.

whether or not she should. Your ability. to see it is insignificant and pointless. and not a part of the conversation. I. don't give a what you see. Why should. he? Who are you to determine that? The. man of the house. The man of the house. is the one who gets to determine Well, I. don't see this business being. successful. $50,000 without her doing. anything on the business is pretty damn. successful. Small business employs 48%. of the population in this country of. workforce. What do you mean? You don't. know what the you're doing. YOU'RE A.

DEGREE COLLECTOR. GET OFF HER ASS. YOU LET HER STRIP, BUT YOU WON'T LET HER. SELL The is wrong with you? I mean, big booty frog. I guess it can do pretty. well. >> Uhhuh. >> It's also because he's upset about me. buying designer items. >> Okay. Well, that would be How much are. you spending on designer items? Was it. the strip money or is it money that you. don't even bring in? >> It started when I was stripping. Um, I. would buy stuff for myself and then.

after I got out of it to go back to. school, um, I started. >> What are you spending on designer? Um, I. don't. It like depends monthtomonth. Like, um, for my birthday, he got me a. >> Well, he got you. You didn't even get. it. I thought you were being criticized. of you buying designer. >> Oh, well, he did criticize me when I was. buying it for myself. >> How much? When? What? >> If this is the big argument, what even. is it? >> It was like maybe. >> Which thing? Cuz I can remember the. numbers.

>> Yeah, I think the bag that I have is 4K. And then I have a wallet that Okay. What. the in what way? You guys are drowning. in debt. You were in the David Ramseith. program and you're getting a 4K design. or something. What the is wrong. with you? What in what world do you live. in? >> Uh the world where you have to pay money. to make money. That's kind of what it. is. >> What world is that? Stripping. There. needs to be a bag in stripping. The more. money you've been to a strip club twice. I didn't look at the bag someone had in.

their dressing room. In fact, I look at. their titties. You suck with money. So. you download a budgeting app. You start. with the classic one. WAB, but everyone. just deletes it because it's way too. complicated to use. So you go to every. dollar. That's Dave Ramsey, the personal. finance guy, right? Well, they're going. to force you to use it his way. That's. [music] not very personal finances. Rocket Money, they got a lot of. commercials, but they're owned by Rocket. Mortgage. Guess what? They [music] want. to sell you in the end. Then there's the. new guy on the block, Monarch. Hundreds.

of millions of dollars of private equity. raising so far. But private equity. doesn't have the best track record when. it comes to private data. That's why I. like DollarWise. Built by these people. just like you, for people just like you. [music] No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. Wise.com. Link in the description below. That's kind ofing stupid. I'll be. honest. But what's not is actually. getting a checking account that gives. you free money. Free money. We like free.

money. You can get up to $350 in bonus. cash right now when you sign up for the. checking account that I use, Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Sign. up for Time. GET THAT $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. >> You would be rare because there's a lot. of men that look at the money that the. strippers make. Yeah, the big spenders look for the ones.

that make the most money. >> What are you talking about? I got some. gooners in this office and I've never. heard anyone mention this. >> That's I would hope they're not spending. a ton of money at the club cuz I'm. talking about. >> pay enough for them to be spending that. much at the club. >> I hope Bronul even has this. >> No, this was when I was living in DC. >> Oh, the polit Well DC is a different. culture though. DC is a very. >> DC is very big about like what you make. and like [clears throat]. >> what you show it, what you look like,

all that kind of stuff. >> So, I got into getting designer stuff. because of that. And then I just kind of. got. >> Whose politician dick did you suck? >> None. >> That's a shame. >> Just his dick is the only dick I've. sucked in the last nine years. >> Rip. [laughter]. >> I don't know. I think it's pretty nice. I can show you later. Okay. [laughter]. Okay. Again, I want to know how these. conversations go, guys. I need to see.

some insight into this household. >> I'm the one who does most of the. budgeting. So, I sit down and I budget. for the month because he gets paid. monthly. Um, and so does the VA and. everything. >> Okay. Okay. >> Why aren't you a part of these budgeting. conversations? And number. What do you mean? What does it look like. then? Um, it's mainly just us talking. about what we're going to to all lot to. what for each month. So like. >> Okay. You actually go through that? >> Yes, we also. >> Okay. Then how much did you spend last. month? What was the outflow? Tell me.

>> You should know this. Budgeting kings. and queen. >> I think I know how much it was and it. was bad. >> I think last month it was really bad cuz. I lost track of it. I think it was about. >> It's always the month we have out of all. the months. Oh, we lost track of that. one. That got a little weird. I mean. that is why we came here is cuz I lost. track of it and I wanted to be better. >> within one month. >> Yes. >> Yeah. >> What do you mean? You wouldn't be in. this much debt from one month. That's. No. >> No. We're in this much debt from one. month. >> So what happened? >> Well, someone decided to buy a computer.

and all new parts at the peak of the. most expensive time to buy computer. parts. >> Why? So, I'm currently pursuing my grad. studies part-time. >> Okay. >> Yeah. >> Great. >> And back at my old work, I had a $10,000. workstation to actually get all of my. simulations done on. >> Uh-huh. >> And I didn't have that anymore. So, I.

had to build something. >> Had to. >> Yeah. >> You would die without it. >> I wouldn't be able to finish my work. I. have simulations that take up 32 gigs of. VRAM, take up. >> The school that you're studying with. doesn't have a rig for this. >> No, they don't actually. It's actually. really shitty. >> Then why are you there in a shitty. program? >> Because it's a really highly rated. program. >> Highly rated yet they don't provide any. resources. Makes no sense. >> I smoked pot with Johnny Hopkins. >> Yeah, it makes no sense that they. wouldn't provide. That's so stupid.

>> No, it is. >> Well, so what was the outcome? What did. you spend on that? I think in total all. the parts and I recycled some old parts, too. >> You did not recycle old parts. >> No, my GPUs. I kept the old GPUs. >> One part. >> That's two parts. >> One of the parts alone was over $2,000. >> Yeah. >> Okay. >> That was just the RAM, though. >> And you bought two of them. >> RAM's fair. Yeah. >> Yeah. Uh I think I spent 7K on it. >> Crazy. You guys are dying in debt. 7K.

again for your degree collection. but it. isn't actually even providing anything. for the household. Do you not understand. the difference there where she's out. actually contributing to this world and. you're doing nothing but a ego boost? >> I mean, if I spend money on my degree, she's earning money, you're spending. money, >> double my income. >> potentially. But the thing is, in the. worst situation you guys have ever been. in, in order for your degree collection, you're putting all that money in there. >> I need more degrees in order to get. where I need to go. >> Yeah. No one's ever made that much money. without degrees to a certain point is. what I'm saying. It's the timing thing,

man. It's the timing. Worst time to. spend. And by the way, that doesn't even. account for I mean, you guys spent uh. outflow is 25,000 hours where income was. 12. Like, so that that doesn't even make. up for that whole amount. But even. still, when we're already going even. further in the hole is insane. >> I mean, I needed to get my work done. There was no other way. Well, you didn't. need the cat litter robots.

>> I work all day. I can't I come home. >> You should haveing cats. You can't take. care of them. >> I was taking care of them by getting the. cat litter robot. >> One litter box. And then I was like, let's get more of these, you know, stainless steel litter boxes that are. like 40 bucks each. And he said, "No, I. only want more litter boxes if it's the. litter robots and not any of the. refurbished ones. We have to get the. brand new one." Yeah, but you're a. retaliatory spender, Colton's telling me. from your guys' spending. Like, quote,

"If you get to spend on what you want, then I get to buy what I want.". >> Yes. >> No. Do we not care about the household? If he's it up, let him it up to a. certain point. Leave them. Maybe if you. guys disagree, but not just that. I. mean, I don't want you guys to actually. separate. But why does that mean you. should dig you guys your the household. into a worse position? Because at the. time we thought that we had enough for. both of us to be able to spend and cover. it. That's where I lost track of the. transactions is we kept promising like.

the same 4,000 to something different. >> How do you guys even I don't even think. you know how to budget. Like what what. the are you guys doing? I mean you. spent more than double that came in. This isn't about $4,000 being allocated. here and there. Like I don't I don't. understand it. Then what's gonna happen. when we lose 33% of the income for the. house? What are we gonna do? >> For like two and a half years, I'm not. planning on doing it. >> Huh. >> I'm not planning to do it for another. like 2 and 1/2 years, though. >> What happens then? That doesn't. magically change the situation. She'll.

she'll still be in school until Jay's. dead. So. >> hopefully I'll have [clears throat] I'll. be in my master's program by that point. >> Oh, good. Masters in something that will. never return its investment. Why are you. don't let him influence you on this? Pursue your Your passion is. actually showing numbers on the paper. Most people that pursue a dumb little. business, honestly, yes, it's a complete. failure. But you actually have promising. results. >> Do it. This is actual female. empowerment.

I just the biggest issue is that. >> I think it would be worth going for it. full time and like really pouring my. heart into it. >> Yes. >> But everyone I've ever talked to around. me says that my degree is first. >> They're cowards. They're cowards. >> They're cowards. I mean, I would. relatively agree in general if you were. well preferably getting a better degree. and your business had never shown any. promise. If you're like, "Well, I I want.

to drop out just to start this. business." I All right, let's pause. Let's pause. Let's think. Don't be a But. instead, you have something that has. brought in $50,000 last year without you. doing anything practically. >> Yeah. And I have. >> and an art degree being more important. than that. No, you're surrounded by. cowards and and degree. collectors. >> Yeah. >> There's nothing wrong with a degree, too. I don't want I don't want to sound. anti-deree, but it's like when you. prioritize that above all else, including contributing to this world in. a real way. Yeah, I really want my business to be.

the full-time thing. >> Do it. Are you going to let him control. you? How do how do doineering is he in. these conversations about this business? >> When it comes to the business, Barry, >> tell me what does it look like? What. happens? >> Um, a lot of the times it's um me. talking about something I want to do to. scale the business and him telling me. that I need to focus on my degree, get. that done as fast as possible. >> How does he tell you that? What does. this conversation actually look like? I. need insight here. Like it really is. just me going I want to do this and him.

saying you need to focus on your degree. first. >> Well, you want to like go into debt for. the business. >> because I want to be able to scale the. business to be bigger and like the. problem is is if I don't do something. about it, I'm just going to get stuck. and like I won't be able to continue. moving forward. But like if the business can't sustain. itself right now h at the fact that. you're not taking anything out of it for. yourself. How is it going to sustain.

your how is it going to sustain when you. go full-time on it? >> Because I'll be able to first off I will. be able to actually put time and energy. into it and I'll be able to market it. which I haven't been doing. I'll be able. to you know post about it on social. media which has been getting us a. surprising amount of of um orders. online. I'll be able to actually focus. on the online business and like. maintaining that and that and I can work. on getting someone to help me with the.

marketing and then then after that point. it should just be able to pretty much. float on its own. Like we we don't do. any marketing for the business and it. like it really does like really well for. the fact that I don't do any marketing. I don't do anything to like promote it. other than go to these events. And I go. to these events, I stand out and people. come and they buy things and they buy a. lot of stuff. I can't I don't want to. like raise prices because I need to, you.

know, get someone to help me with. marketing or something like that. I'd. rather pull out a little bit of debt. that I can easily pay off if I could. just focus on the business. But. >> that's just it's just more. It just it's more debt. It's more things. that we're trying to get out of. It's. more things that we're trying to avoid. And you want to do all of this while. still buying your designer bags. >> If I didn't have to go to school and I.

didn't have to and I could like focus on. the business, do you think I'd have. enough time to focus on designer bags? >> I mean, you manage to now. you manage to. focus on them when you have school, when. you have the business, when you like. we're being parents and we have to do. all of that and yet you still have time. to focus on you still have time to harp. on it. So when is it when would it be. different to make my own money to pay. for it? Did you think about that? I'd be.

able to bring in money so I can pay for. it myself. >> What debt have you gone into? >> In what way? >> What debt have you gone into? Debt, dude. No, no. I mean like in relation. >> What kind of debt have you taken out? >> I've taken out. let's see taking out student loans. >> Cool. But she can't take out something. for her future. >> I mean the way I see it is that the. student loans have a much longer and. much more protections. Like it has a. much longer. >> more protections but not might not have.

a better return on investment. >> I could see that. But at least. >> also not bankruptible. hers would be. >> for like an SBA loan. >> Would SBA is SBA the way you're going. about it? What kind of debt are you. looking into? I'll be honest, I don't. want you to go into debt. I don't think. you need to. I think you can cash flow. this. You're already showing the results. of that. So, I'm against the debt as. well. But for you to be veimly against. it while going into debt for your own. passions and career. pretty hypocritical. >> I don't want to go into debt for the. business. I just don't with like school.

and everything. I don't have the time. [clears throat] to put into the business. to like make more to cash flow something. like that or to even cash flow like. something like more people um because. the products themselves take up a most. of the revenue and after that I pay my. little sibling and then after that we. have a very little amount that I. generally put back into making either. different products or more stickers or. more variety for the business.

>> Yeah, but you're talking about getting a. Birkin bag. >> Ideally, I would like. >> What are we talking about? Are we caring. about our business? Want to put money. into our business or we getting a Birkin. bag? >> I want to put all that's why I put all. the money from my business back into my. business. >> Why are you considering getting a Birkin. bag? >> Because I. >> because you know the best way to have. business, good investment. The stock. market's going to do better. >> They've returned normally around like. 10%. each year. >> Okay. Then are you actually going to. exit it? Yeah.

>> Really? >> Yes. >> You going to leverage against it? >> I'm planning to like obviously once it. gains more value like sell it, >> but why not take advantage of the. market, which by the way is closer to. about 12% now. But either way, either. way, it's just like and that's a huge. upfront cost where you can get in with. fractional sales into the market a lot. cheaper than a massive priced Birkin. bag. Birkin bag when you guys aren't. even paying off debt. Best way to go. into business less risk is by having a. fully funded emergency fund of. approximately a year. And.

>> we've had multiple We've had multiple. emergency. >> Exactly. But you don't now. So no Birkin. bag. You Birkin bag. You don't get a. Birkin bag until you're out of debt and. you have a fully funed emergency fund. and then you're building your business. What the are you talking about? >> I just think that. >> What do you think about this Birkin bag. thing? $16 to $20,000 for a larger. model. I see it as only plausible if it. was less than like. if it was like 1% of our net worth. >> Okay, listen. The Birken bag does not. make sense at this situation. I don't.

understand why it's even a conversation. >> It's more of a conversation because his. family is big on how we present. ourselves. >> Who gives a Why is it all about. his family? I don't give a about. his family. Because they're my family, too. >> No, but who cares if they're having Why. are you allowing them to have that kind. of outside influences? I care about my. family, too. But do I revolve my entire. life around what they value, what they. care about? No. >> What?

>> It's also. >> It's so stupid. >> But it's also like a. >> Or is it just jealousy that it grew up. rich? >> It might be. >> Yeah. Colton tells me you are actively. jealous that he grew up rich. >> I am very jealous that he grew up rich. I wish I had that. Um I think most. people would wish that they grew up. rich. But. >> and that's why he's not willing to take. risks. That's why he's a degree. collector because he's never actually. had to build anything in his life and no. one around him has. >> Yeah. But. >> that's why people like you and me that. come from nothing. We're builders. They just follow along and they work for. us. >> Dude, this is a Wendy's restaurant.

>> I've been trying to convince him to do. something himself. That's, you know, >> Well, he doesn't have to. He is doing. something great. >> No, I know. Don't get me wrong. I think. he's really really intelligent. I feel. like he could do a lot if he were to. like. >> Okay, well that's. >> do something outside of it. >> Okay, I don't really care. >> He He makes good money. I don't give a. He can do whatever you want. But that. applies to you as well. As long as it's. not an actively dumbass decision. Why'd. you guys move here, by the way, from DC?

>> I lost my job. >> Yeah, I got fired in the federal told me. you guys blamed Trump. >> Yeah, Trump him in the ass. Oh, for the. job. >> Yeah. >> Yeah. Try. >> all your work to the federal government. >> Yeah. Yeah. >> Good. Thank you. I appreciate you. getting fired. >> I would like to not spend as much in. taxes. What the. >> Why Why do we employ so many people? [laughter]. >> Makes no sense. >> We had a federal research lab that. provides goods for society, I would say, is a good thing. >> Society of your defense.

[sighs]. >> Okay. So, Trump fired you. I guess the federal. government was the highest laid-off. sector, but I mean it does overmp employ. dramatically. >> Yeah. So, >> it shouldn't be a jobs program. >> Yeah. >> So, we moved over here. >> Unfortunately, that didn't cut the. deficit though, so it didn't even. matter. >> Yeah. We we um shortly after or like. right before he got fired, we had our. daughter. Um and I was a stay-at-home. mom with my daughter and his mom.

actually moved up. how tread you guys. are for how incredibly not tread you. are. You make bombs to bomb people. >> I told you we seem trapped. >> You're a stay-at-home uh wife and mother. and you doineer her in terms of what. she's allowed to do for work in her. entire life. Like what the are we doing? >> Yeah. >> So confusing. >> Um but I was a stay at home. >> maybe. Almost like your guys' feminism. is just performative, not actually. resulting in anything positive for. women. >> I mean the the positive part is that I. get a choice and that's. >> Do you No. No, you actually don't. Are.

you right now. Now I have to ask you a. feminist to feminist are you? Because. the fact is you literally have told me. in this conversation you want to build. your business. He is making you get your. degree. You're doing what you want. You. have a choice. What has he warped your. mind this much? What do you mean? You. have told me you do not have a choice. What the are you talking about? You have. a choice. You went into stripping an OF. You have a choice. That was the only entrepreneurship he. actually encouraged. What do you mean.

choice? There's no choice. He's not. giving you a choice. Where's your. choice? You don't have a choice. This. isn't feminism. This isn't helping you. out as a woman. You being a leader. You. being a leader as a woman and pulling. out. No, this is on you, buddy. I'm. bringing up the that you're doing. that she's seeing for the first time and. it's hitting her. There's no choice. He's not giving you a. choice. And I don't want you to be all of a. sudden convinced that you have a choice. It might be in love from his.

perspective, but it's from a doineering, perverted worldview. I need a break. >> Okay, take a break. Take a break. You're. good. What happened there? cuz that is the reality of her situation.

and maybe she hasn't confronted it or. thought about it for the first time in. her entire life. You own her. It's. weird. Let her pursue this. I agree. If she. said, "I want to open a lemonade stand. and nothing's ever happened." Okay, we. have a bigger conversation as adults and. a couple in a relationship as a marriage. as a future. But she has had return on. investment. She has numbers on paper. Let her pursue this thing. And if she. fails, it's okay because she has a. strong support system with a high.

incoming uh income husband. And if you. guys control your damn budget and build. up an emergency fund and pay off the. debt first, it wouldn't even that be a. big bomb in her face. And I know you. love building bombs. Okay. >> I have trouble seeing it. >> Why does it matter if you have trouble. seeing it? Why are you the end all. beall? Why are you the dictator of this. relationship? Why have you conquered the. relationship village here? Why are you.

the Houthies of the Strait of this. relationship? Why are you bombing any. trade from going through? You're not. allowing her to go out into the world. and get done from people that. demand it. >> I mean, I think that I'm not the only. person that informs her decision to go. to school. >> Informs informs guy. She obviously looks. to you and listens to you as the couple. And you guys are more trad than you're. willing to admit. Come on. What the are. we doing here? Just cuz she goes by they.

them. You guys are traed up. I think. that. this is one of those situations where. Violet has built up in her mind what my. family wants, what their family wants, and just it's become this situation. where like. I told Violet last night that I think I.

believe in the business and I believe. You haven't said that here. I don't. believe that. >> Let me clarify. I believe in the. business. >> If she were to work the business, you. know, every weekend. >> backtracking if I've ever seen somebody, we literally established that very thing. here and you were against it. You're. like, I don't see it. I don't see it. It's not happening. I don't want to see. it. >> Because she wants to be able to spend. time with with our daughter. That's why you think she wants to pursue.

her business is just to spend time with. the daughter. Which, by the way, wanting. to spend time with the daughter is not a. bad thing. >> That's not what I'm saying. To drop out. of school. >> I'm saying that I'm saying that she. believes that if she goes fulltime on. the business, she will never have time. with our daughter. >> Bro, she's the one who wants to go. fulltime in the business. >> We have different conversations about. this. >> What is she not telling me that's true? I would say that right now I am not the. main person that actually wants her to. get her degree. >> Who is.

>> probably my mother. >> And who the does she matter for? Why? Who gives a Is she here? She in. New Bronals. >> No, >> they don't give a How often are they. talking? Do they are they skyping every. night? What's going on? >> Talk pretty often. And when I when when. when Violet talks about like needing. designer bags, needing all these things, and talks about them being related to my. family, I don't give a about that. stuff. >> Or is your mother kind of manipulative? Is she showing that she needs to be.

shown all this to be impressed by her. daughter-in-law? To be impressed of her. daughter-in-law? I should say. >> I can see it. >> Yeah. So talk to her instead of holding. her down. Talk to your mother. Let her free. >> I AM A PEACOCK. YOU GOT TO LET ME FLY. >> Finding a doctor you actually like feels. like discovering a diamond in the rough.

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Like, I don't know. Mother. Mother-in-law, why the do we let. mother-in-law control our entire. destiny? And if you see that, you should. stand up like a man. Tell her to back off. Some manipulation. Some. feeling of pressure to fit in when that. shouldn't be it. All she should need to. fit in is love. Love. Being welcomed. into the family. Shouldn't matter what. degree she has, what bag she has, what.

she's doing with her career. That. shouldn't be the prerequisites. Checking. off a list to be fit in and loved by a. mother-in-law. >> Yeah. >> Yeah. >> I mean, this even came in with like. Violet was talking about possibly. pursuing like. uh what is it? Tattooing or so forth, like you know, being a tattoo artist. And I talked about it to my mom being. like, "Hey, you know, we need to pay. We. need more money for school cuz, you. know, chapter 35 barely covers it." And.

my my mom was like, "No, like those. people don't care about her degree or. what she's getting or so forth. They. don't care. >> Why are you vocal frying every word you. say? >> Why Why are you just talking? >> It's obnoxious. It's impossible to. listen to. >> I don't mean to. It's. >> You don't mean to. There's no way you. don't mean to. That's whenever people. are just endless vocal frying. Of course. they mean to. Listen, I you need to have. a conversation with this family. What do.

you think the household financial score. is with for you you both together as a. couple. Zero being the absolute worst, 10 being the absolute best? >> Like a three. >> Guys, if you want your hammer financial. score, take the assessment for free at. calebammer.com. You see where you stand. in the world of money, where you need to. improve, where you're doing poorly, where you're already doing great. It is. free and just takes a few minutes. And. if you do not want to be like a guest. who ends up on the show, you got to. download the Dollar Budgeting app, new. and improved. It is incredible. Tens of. thousands of active monthly subscribers. for a reason. And they are changing. their lives. And you can be too. Get the.

free trial link in the description. below. Sign up for the annual version to. save basically 50% if you want it after. the free trial. And you get all the. perks that comes with it like my. personal meal plan that I have made for. people on a budget who need to meal prep. throughout the entire week. We lay it. out for you. I'll sign it and I'll mail. it directly to you. Check it out, guys. >> I'm going to wait for the woman. All. right. How do you feel? Do you have to. do a little strip in the other room? >> Bring back memories. Feel good? >> Yeah, I feel better.

>> Lindsay enjoyed the show, I assume. [laughter] Very good. Um, well, I was. listening to his vocal cry for about 5. minutes and it was uh thrilling and um I. don't know. Sounds like there's a lot of. pressure from the family. I don't give a. about them your mother-in-law. >> I don't give a about her. She. shouldn't manipulate you. She shouldn't. make you feel like the only way to stay. welcome is to be impressed. Girl, I. don't give a. >> This is your life. >> Yeah. >> Doesn't mean you can it up. Especially with a daughter. >> That's what I'm scared of. I'm scared of. like.

>> Yeah, but pursuing a business, as long. as you guys pay off the debt first. Well, like you're going to have to slow. rule cuz you need to actively pay off. the debt, get a fully funed emergency. fund, and then go into the business. But. let's look into the finances and what. things actually look like today. >> So, Sapphire Reserve, what the is going. on? It's our main card for pretty much. everything. >> I have an aggressively horrendous. disgusting balance of $4,661. >> Um, that's because of the computer part. that he needs to return. And then. >> what are you doing?

>> I think also. >> 16 years to pay off minimum monthly. payments only. >> I think it was also the litter box. The. litter boxes. >> It's been like a million. >> Oh, it was it was a lot more than. >> Yeah, I was going to say it was a lot of. stuff. A lot more than that. Okay. $4,661. owed and 31. Now, who's the swiper on. here? Is it both? >> It's both. >> Then what? Do you guys have no. self-control? Why? Why? If we are struggling even. though you guys make well above with the. household, the median household in New.

Bronals makes. Why the are we swiping. like this non-controlled? It's. disgusting. It's disgusting. Throw away. the computer. Take away all that. Outside of even just that alone, it is. insane spending beyond insane. [clears throat]. >> I think it probably doesn't help that we. have like I think this this time around. it was because we were buying stuff for. my birthday and my daughter. >> Who gives a about your birthday?

>> Who cares? >> I didn't think. >> you care about your birthday more than. your daughter. Well, then you're a. disgusting creature. >> No, I I care about my daughter's. birthday more than mine. That's why we. celebrated. >> You I don't give a about your. birthday. Pay for her birthday. Do a. little thing. >> That's what we did. >> You did yours as well, you creature. Your daughter's what, three? >> No. 14 months. So, she doesn't even know. what the is going on. She's getting. imprinting right now, but she she won't. have any memory. She won't have any. memory of this. She'll have some. pictures. So, do a cute little thing. Cheap on the cheap. Wonderful. You're.

paying off debt. You're trying to become. create a better household for this. You. grew up wealthy. You don't know what. it's like on the other side, but you're. about to find the out. If you keep. going down this path, okay? If you keep. going down this path, you're going to. find the out. Get that foreclosure. notice. Get the collections in the in. the mail. You're going to find the. out. And then your daughter's going to. be growing up in that household. All for. your birthday. Your birthday. I don't. give a about your birthday. You. shouldn't either. Who gives a. You're 24. It doesn't matter. >> Because I didn't I didn't think I'd make. it this [screaming] long.

>> WELCOME TO LIFE. I DON'T GIVE A WHAT. YOU CUT YOURSELF ONCE. I DON'T CARE. You're here now. You have a daughter. Okay. Okay. We're not sympathizing Saab. story from 10 years ago. YOU HAVE A. daughter today. >> I know. >> Today. I don't give a about your. birthday today. Also, your phone. YOU'RE. ON A SHOW TODAY. >> My alarm went off. >> To feed her. >> My alarm to feed my daughter went off. >> So, I don't give a Who cares about your. birthday? I don't think I'd make it. What? Well, that's like what half the. people say in life anyways. I don't even.

give a That means nothing anymore. That's just the Tik Tok generation of. endlessly victimizing themselves in. every way whatsoever. Your daughter's. alive. Your daughter needs to have a. good future. Your birthday doesn't. matter. >> No, she does. She. >> You don't know. You don't know. But the. $500 for 529 every month. >> Yeah. Thanks to the mother-in-law, right? >> No. >> From who? >> That's from us. >> Why Why would you do that right now if. like you're headed down a path where you. might not even be able to keep a roof. over the head? 529 is great. I know. mother-in-law put 10,000 hours in, but. other than that, 529 does not take.

priority over actually making sure that. there is a a potential success in the. future here. I love that you guys are. doing it, but it might be misplaced. at this exact moment. >> I just didn't want to I I wanted to make. sure she was still getting our her money. no matter what we did. >> Yeah. >> Yes. But the thing is she she is going. to live with you guys for a very long. time. And if the household is absolutely. struggling throughout her entire life. and it puts stress and strain on the. relationship, which it always does and.

it already is, that is not better. >> Yeah. Okay. That was my fault then. I. was trying to make sure that she got a. bad concept. It's just misplaced right. now. >> Okay. >> I mean, she already has good money in. her 529. >> Yeah. I just wanted I don't know. I. think I wanted to also build out her. trust as much as possible cuz I think. you were opening that, right? >> Yeah, I was going to open an upma. >> An upma for her name. >> But the thing is I wanted to just keep. the roof over the head, guys. And you.

guys are headed down a dark path. >> Yeah. Well, right now we have a roof. over my head cuz we're staying with my. mom. Um, so we live with her and my. little sibling right now in a. fourbedroom house. Um, so we take over a. bedroom for us and then a bedroom for. the baby. And so that's been really helping us. because we can't get out of the condo. that we had to leave um in DC cuz we.

bought a condo in DC initially. >> Okay. Okay. >> That's what the mortgage is. >> Guys, this absolutely comes down to. nothing of why you are spending. absolutely horrendously on this credit. card. >> What the are we doing? Your mother, your. parents, do something. Fix your. Where is the behavior change? You have. indications, little sprinkles of. behavior that are good. The f, you know, saving up for the kid, everything. there's, but then you guys completely. up everything around it. I I really. don't understand. >> I really was trying to keep track of.

each transaction. Like, I list them all. out and an Excel sheet. >> Then why are you doing this? That makes. it worse than ignorance. You're actively. choosing to do this. You can't figure it. out. You put it in an Excel sheet. You. know exactly what's going on. Also, by. the way, that just doesn't work as good. Just use the dollariz app. You guys get. it for free forever. Just do that. It. puts everything automatically in. categories and it makes it much easier. for the brain to just see things which. actually makes you make changes instead. of seeing things in Excel sheet. >> Would you have to manually update. anyway? >> Yeah, >> clearly it's not working. Hasn't for.

years. Even with the even with the David. Ramsey method, >> Providence, what's this? Provident age. >> Proantage. >> Provantage. Sorry. >> That would be the PC. Great. Critical necessities for life. In. and out. More PC. $3,26. There. Kill me. now. Potential groceries. Potential. I don't know. Another 1,800 to the uh. PC. Groceries or I.

don't know. Jerry's. >> That's for my $85. Oh, for sake. Something that you're never going to. It's so moronic. It's so stupid. >> UTSA refreshens. Oh. yes, food on mainly food. Great. That's. great food. Uber Eats. Uber Eats. You guys are dying in poverty. almost and you guys are cook. I cook. when I. >> Oh, that's wonderful. Meal prep then. >> I [clears throat] try to. >> Okay. I better shut the up. How many?

>> We have five people to feed. >> Give me your phone. Give me your phone. >> Okay. >> Open your phone. I can't use a locked. phone. Are you going to Uber Eats? >> No. >> Oh, >> can you make it English? >> Sorry. [laughter]. >> No, honestly, I have a hard time too. whenever I have to use that phone. >> From America. Okay. You use your phone.

and averages 6 hours and 24 minutes a. day. >> I've been trying to work on it. >> You don't have time to cook. you. >> No, that's because I put things on while. I do things. I don't have. >> Shut the up. Shut the up. Put this. on English so I can actually understand. what's happening here. I'm I'm a I'm an. American. Okay. >> There's, you know, Spanish is also a. language of America, but. >> the American continent, I guess. >> Funny enough, America has no official. language until I think. >> that is funny. That's hilarious, I would.

say, actually. >> Yeah. >> Try that at a bar downtown. >> I will. >> I mean, it depends on the bar you go to. Some of them only speak Spanish. It. >> is true. I do love tacos. Doesn't mean I can read it. >> Bidia hits different. >> Does hit different. Can you say. >> you guys are a little too close to San. Antonio for me? What the You're showing. me a picture of your cat. You. >> phone is just It's doing I don't know. what's happening. I put it to English. and it's not. >> Oh, it has to reset to the language app. >> It's just sitting there. So. >> then just be patriotic all the time.

>> Patriotic. That That makes sense. >> Are you not patriotic. >> with blue hair? Do you think I'm. patriotic? >> You can still be patriotic and be wrong. about economics. >> Be patriotic when we're spending more. money on bombs than we are for like. social justice or like. >> social programs. >> We spend 50% of the federal spending on. social programs. >> Like what? >> Social programs, Medicare, Medicaid. mandatory spending, SNAP benefits, veteran benefits. >> You mean SNAP benefits that people just. got taken away from them? >> You think everyone just got taken off.

SNAP? >> Most people did. >> Everyone. You think the majority just. got taken off SNAP? Our military. spending is 10 to 20%. >> The bombs you're freaking out about, 10. to 20%. It's egregious. We spend 50% on. social programs. >> I'm a military kid and I can tell you. that is not needed. >> Girl, you literally just got the. information that you were just wrong and. yet you're still doubling down. We don't. spend the majority on bombs. >> Okay, maybe it's not the majority, but. it's well, >> it's not even close to the majority. It's not even a quarter. >> It's far too much. >> Okay, you could advocate for that, but. that all of a sudden it doesn't You just. said we don't spend anything on social.

That's where like more than half of our. money goes. What are you talking about? You're more as usual. You're uninformed. about everything. >> I think it needs to be more. >> and you're just not patriotic. What do. you mean? We spend more than like. anyone. >> Well, number-wise, absolutely. >> Yeah. Well, tech technically. >> by technicality techn by money by per. capita. But yes, we do a lot. We're a. very progressive nation. We have the. most progressive income tax in the. entire western world. >> Okay. >> Oh boy. I love when people have no idea.

what they do and then they're just not. patriotic. It's like, dude, you're. literally not a contributor. You should be the most patriotic person. You contribute nothing. >> I mean, >> you contribute literally nothing. You've. only been a taker. >> and and yet you're the one that doesn't. like the country. Then the one that. gives everything is the one that likes. it. Leave from where? >> Anywhere. >> I used to live in Germany. I'd rather. >> grass is always greener. What would you. be doing in Germany? I could still be an. artist there.

>> Yeah. You think Germans just immediately. they're like, "Oh, you want to be an. artist? Let's give you $80,000 a year.". >> I know that they're not going to give me. $80,000 a year for. >> What do you think would all of a sudden. happen? >> I think if I was able to do my art. full-time, I'd be able to make the money. I need to make. >> Yeah. Germans trying to pursue art and. failure. That always goes over well. >> All right. Well, yeah, >> that was a pretty good one. [laughter]. >> What do you Nothing would be different. Grass is always greener, dude. Grass is. always greener. That's why I'm still. here. I'm in Texas. I definitely didn't. want to be here. Oh,

>> well, you didn't want to be where the. jobs are and where cost of living is. lower. >> I mean, that is why we're here. >> I mean, I agree that I mean, it's hot. >> Wish it wasn't so hot. >> I also was worried about like, you know, all the like fire like wildfire notices. that like terrifies me. >> You don't have to be like patriotic. where you're like, "Yeah, we've never. done anything bad. That's is that's just. nationalism. That's But it's okay to. like the country you're in. >> and want it to do well.

>> No, I want it to do well. >> That's patriotism. >> Wanting it to do well is not patriotism. Believing your country is good is a is. patriotism. >> Huh? Bel believing your country is good. in everything is not patriotism. >> That is basically what most people. consider patriotism to be. >> It's more nationalistic in my mind where. you think you're absolutely incredible. on everything. Patriotism is wanting the. best for your country and changing. what's not. that I mean then in that. case I guess I am patriotic. >> Yeah, except you didn't even know. anything about our federal spending when. you try to make a complaint about social. programs even though that's what we.

spend all our money on. >> You you should not be allowed to have a. position if you can't even speak on it. Like what the you don't even know what. you're talking about. How how do you. even have that opinion? What do you. mean? >> I have opinions on a lot of things. >> that you don't know anything about. >> I definitely know more than I thought I. did. >> What? >> I know about a lot of things. >> What does that even mean? What else do. you disagree with? that you want to flee. to Germany for? >> I don't want to flee to Germany. I would. like. >> kind of said that. >> What about you said you'd rather live. anywhere else? >> I'd rather go to Iceland. >> I mean, okay. What do you disagree with.

our country about? >> I disagree with how we handle a lot of. our issues. I think the fact that. >> I mean health care, like I would say. like Medicare for all, stuff like that. Yeah. >> What about it? >> Like it should be a universal program. >> Okay. How's the NHS going? How's Canada. doing right now? >> Oh, I have a friend. >> Their weight times have gone even. further and further. I have a friend in. the UK. She had a migraine. Took her. three days to be seen when she had a. severe medical issue being happening. >> Yeah. >> I mean, but at least she could get seen. There are people here that can't get.

>> you go into That's not true. That is. objectively not true. Anyone can go to. an emergency debt. >> Do you know how many people are stuck in. medical debt because they went to an. emergency room? >> Buddy, you know how insignificant it is. to go through bankruptcy in this country. at this point? I'm not even saying it's. great. I'm not defending our system, but. I would rather at least get seen in a. life and death situation. But most. people. life is more important than death. What. do you mean most people don't know? People go to emergency rooms for their. primary care. People know the option. >> People know that they can go to. emergency rooms. There are many. >> You're not going to have me aggressively.

defend our care system. But if you want. to bring a system that is not working in. Canada and the UK here, I don't think a. lot of people are going to be in favor. of that. Okay. >> I'm not saying that like UK or Canada. have the like. >> you want to do Germany where it's mixed. between public and private because most. people have a private plan on top of. their public. >> Pretty good. China's healthcare system. is pretty good. [music]. >> Concentration camps in western China. That's a system I want to replicate. >> We have concentration camps here. >> I was literally talking about a. concentration camp, you know, where you. go for a week to learn and focus, you.

know. Oh man. >> Re-education camps where we force people. at gunpoint to learn our culture. >> Do you know what's going on? >> You're actually going to education camps. that we have here, >> bro. at gunpoint learning our culture. and just and forgetting everything about. their religions. You think we do that? >> Yes. >> What the your world view is broken? >> States and native people. You think they. didn't do that to natives multiple. times? >> So you're comparing what China is doing. right now with what happened before any.

of us were born. >> History does mean something. >> Yeah, but it's not happening now. I'm. talking about using the system now, I'm not going over to Germany. and crying about the Holocaust. for. every political decisions they make. today. What are you talking about? That's such an immature baby argument. >> I would argue that Chinese-l like. development of infrastructure is much. better than ours. >> Yeah. You know how because people can't. stand up and speak for their rights, their property rights. You want that? You want us to be able to plow new.

Brmples to the ground to build highspeed. rail between Austin and San Antonio? Okay, that might be a hot take. But. actually, I am so pro that that that. >> I'm pro highspeed rail, but if you're. okay with literally the government you. not having any say on what the. government does, then yeah, we can build. a hospital overnight. You're absolutely. right. We'll make sure people die to get. it. >> I mean, >> what if it saves more? >> Because your worldviews are weird. I. would say actually Western culture is. pretty good. We've done a lot of good. things. It's been good for you as a. woman. >> It has. Uh, I don't think I actually.

want to go to a regime that has either. forced abortions and. re-education camps and 25% youth. unemployment, >> force sterilization. in places like Puerto Rico. [sighs]. >> When did we do that? >> Do you know anything about the history. of Puerto Rico? >> I'm asking you a question. When did we. do that? >> Would you like me to pull up a specific. year? >> Is decade. My goodness. You're the one. that bring it up. Brought it up. Have. some kind of knowledge on it. >> 20th century. >> That is 20th century. >> Okay, very good. So not in our lives.

>> So you want me to only care about the. things that have happened right now? >> Things that we can change. You can. change the youth unemployment in China, the re-education camps. We can change. that now. If we were Chinese, we cannot. change what happened in Puerto Rico. already. >> We can change what's happening. >> Yes. And we are not cutting out people's. balls in Puerto Rico today. >> But we still have like horrible. infrastructure built in Puerto Rico from. those decades of like continued. Now, that is an actual argument, not bitching.

and moaning about something that wasn't. in our life. >> Well, if you'd let me finish a sentence, I'd be able to actually get to that. point. >> Yes, please. We cut off people's balls, and that's why they don't have roads. >> I was worried about that. >> That's what I said. >> Yeah, I was worried about that, too. And. guess what? You probably are against. data centers, too. >> I am. >> Aren't you? >> Wait, what? >> Why? What's the argument? >> Oh, wait. Sorry. >> Other than you just have blue hair. What's the argument? >> What's the argument? Cuz Texas is. leading in data center con construction. What's the argument? >> Well, the fact that they're bad for the. environment. >> Okay. Why are they bad for the. environment? >> Well, for one, they use a lot of the.

fresh water and we're starting to have. >> they use less than.5% of all fresh water. in the United States. Lawns lawn. maintenance in this country uses 2.5% of. all fresh water. >> Lawn maintenance is a good thing. I. >> very good. Almonds in can California. alone use over 1% of all the United. States water. We have now closed system. loops and data centers that barely use. any water. And now data centers that are. bu being built by Amazon. um uh Amazon Google are actually net.

contributors to water in this country. So you're again against again against. again against again something you have. no information about. Now if you wanted. to say energy there's a valid argument. there. >> I was going to say I actually. >> you're just bluehaired uninformed on. everything and you want to flee this. country and you have no idea what you're. talking about. And by the way all the. other Nordic countries with all the. social programs you like they build data. centers like no other. That doesn't mean. I support them either. >> But you should. What's wrong with that? What is actually wrong with that? >> I just don't think that they're. contributing to like.

>> objectively they're the only thing that. grew the economy last year. Yes. And. two, do you want to have China. completely dominate that? You know what. happens in countries that didn't invest. in the infrastructure of the 20th. century? They're left behind. >> Doesn't mean we can't we cannot be those. people in the 21st century. >> The electricity. That's a valid. argument. But guess what? 70% of the US. entire electrical grid is near. retirement because we haven't invested. in it in 20 years at all. The only.

reason we're even having that. conversation is because of data centers. And data centers, many states are. requiring them to have on-site. electricity generation and any. connectivity to the overall network and. generation being powered by the network, they have to pay for 100% of the cost. That actually happened from the Trump. administration with Democratic governors. and Republican governors doing that in. the states of Michigan and in places. like Texas. >> Microsoft that led that effort. >> Microsoft is leading that effort. They. were pioneers on that. Absolutely. So. again, your argument is invalid there. Now, many places have seen local. increases in electricity prices. But now.

we are fighting that. We are fighting. that by making them build on site and. pay for 100% of the cost. >> Okay. >> So, you're against them still? >> Well, I'm against the on-site generation. when they're using like turbines to do. it. Like I think that's ridiculous. >> Well, it makes sense when it takes three. years to connect to the power grid. because our regulations are absolutely. insane. That means by the time they want. to build the data center, if they do not. do on-site uh actual electricity, it. means they have to wait 3 years just to. open it, which means the 1,200 jobs or. so that are created with each building.

of an actual complex like in Abalene, Texas would take three years just for. those people to start working. That. doesn't make any sense. In fact, they. were able to cut property taxes in half. in Northern Virginia where the highest. concentration of data centers are. And. guess what? Now they're banning all new. construction of data centers because of. people like you that have no idea what. the they're talking about and they're. just on the next thing of outrage and. they want to flee to Germany where they. build data centers. You're just and have. no idea what you're talking about. Open. your phone again. We'll see how much. that was cut. Starbucks is and.

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see if you like it or 10% off your order. at gamersubs.gg GG or click that link in. the description below. Type in code. Caleb. I am so excited for you guys to. finally GET YOUR HANDS ON WHAT I've been. working on for a year, the brand new. Dollarise budgeting app. And. [clears throat] listen, I get it. The. first iteration was a disaster. Many. reasons from working with an external. agency to infrastructure that I. could use. But let's be honest, that was. on me. So, I put my money where my mouth.

is. And after investing millions of. dollars and hiring dozens of people, we've completely rebuilt Dollarise and. it is truly incredible. And to. celebrate, I am giving you some insane. deals to sign up for the first time or. trying it again after you used the. shitty version last year. But these. deals only last through March 31st and. then they're gone forever. Download now. Take your free trial to test it out and. get the monthly plan at a 33% discount. for three months. Or take the annual. plan for an insane 50% discount. And.

with the annual, you get my budget. friendly cookbook signed by me and my. brand new 30-day detailed budget meal. plan signed by me as well. Both of them. mailed directly to you. But after March. 31st, the cookbook is gone forever. So. this is literally your last chance to. get it. Don't miss this opportunity of a. lifetime. Download Dollarise and start. your free trial. Go to dollar.com or. click those links below. >> Girl, you're just on YouTube all day. >> Yeah, that's why I leave it playing. while I'm.

>> Leave it playing while you cook. >> Yes, that's what I do. >> But you just said you don't cook. >> Because I have afternoon classes, so I. get up in the morning and then I cook. for the the dinner and then I go to. class. >> One of you needs to wear more deodorant. >> Oh, that might be me. >> Who's going to Cheesecake Factory? You. can't afford to save save your. life. >> That would be us. >> in Chick-fil-A. That's real progressive. >> Homophobic chicken just tastes good. >> It does. It really does. >> Unfortunately. >> Really does.

>> Okay, this is so funny. Now we have to. leave and part of that conversation. $21. a month for chat GPT. [laughter]. >> I was using it for a little bit. I. canceled it, but. >> it's very good for workflow. There's. nothing wrong with utilizing a tool. >> I was using it for their uh codeex. integration. >> Uhhuh. So, >> and here's the thing. Listen, I'm not. like I would actually rather AI not be a. thing because I'm terrified of what it's. going to do for jobs. I just I'm not. going to be ignorant to the just the.

reality of the world and we can't get. left behind. The fact is if you're going. to be so anti-A that you're not going to. learn it, you're actually going to get. left behind in new. >> industries. I'm anti AAI. I'm anti-. using it for stuff like art, but I'm not. anti-AII as a total. >> But even still, people are going to use. it for art. I don't like it either. But. if you don't figure out how to use it. for what you do, you're going to get. left behind. >> No, but that's what I'm saying. It's. It's another tool to use, but I don't. like when people use. >> You use it for some of your business. planning. >> Yeah, I was going to say I use it for my. business plan. >> Well, you're using the data centers.

They use 10 times the electricity per. query in chat GPT than you do a Google. search. You're doing that and then. you're so performative. They have no. actual values in this world. They don't. even know what they're talking about. Oh, I'm glad I got to meet one in. person. I'm so dead. I'm so glad. You. guys are horrendous. I'm so glad. civilization doesn't listen to you so we. can all progress. >> Just remember, I can vote. >> We know. We know. And I don't think you. have an impact in Texas. >> You'd be surprised. >> No, you don't have an impact in Texas.

>> I do I don't I'm not even a pro state. government here in Texas. I think they. go way too extreme to the right. But. listen, it's like we could vote. Yeah. But you haven't done anything here. You. haven't done anything to save your life. Um, so, okay. Cheesecake [laughter] Factory. Yeah, I'm glad we can have financial. people that are completely undisiplined. and can't speak on a subject to save. their life. A nanny's cakes. Nean. Marcus. What is this? Labowen.

Kristen Labowin. >> Oh, >> that's Louis Vuitton. >> That's Louis Vuitton. >> Louis Vuitton. >> Louis Vuitton. What the are you spending. $1,185 on when you can't even keep a. roof over your head potentially? >> Was that your first or second pair of. shoes? >> I only have one. >> Oh, no. I DO HAVE TWO. >> OH, AND YOU'RE GOING TO SPEND $5,000. going to the place you'd rather live, England soon. What the is happening. here? >> We're going to England to visit my best. friend. >> Okay, make them come here if they can. afford it. You can't afford a 5,000 hour.

trip. >> No, they have come here multiple times. >> But you can't afford this right now. FaceTime. You can't afford this. You. can't. That's just the reality. I want. you to see your best friend. The fact. is, and this is how a lot of people are. going to see this for the first time. They're going to see me as being ru pro. AI or rur proan government in Texas or. rur anti-traveler. Ruru I hate Germany. No, you guys are just so broken in every. perspective in an extremist position, including you're not willing to cut back.

on a trip to go to the UK. I want you to. go there. I want you to have a best. friend. I want to get you to that. position, but you've thrown away your. life so much that you're only going to. go further down a hole that is going to. hurt you and your child. And they matter. more than seeing your best friend. They. do. That's a fact. >> Yeah. >> So, cancel this now. >> Well, that's why we're here is to fix it. so that we. >> Well, cancel it. I tumbling you. You. will not go to the UK. See, that's why you're here. You That's.

not why you're here. You want to do what. you want to do regardless. You're set in. your ways. That's why you have opinions. on things you're not informed about. because you are set in your ways. You're. not open to alternative perspect. perspectives and information. Then. cancel the UK trip. You cannot afford. $5,000. You couldn't afford the $7,000. PC. You certainly can't afford a $5,000. UK trip on top of it. >> Cancel it. >> You will. Yes, >> officially. Yes, >> it's done. >> There's no way to pay off the debt. before then and then take the trip. >> When's the trip? >> Can you get a 12-month emergency fund.

before doing that? >> Doubt it. Cuz that's what you need. before she can do business full-time. >> You want to ramp up the business? >> With what time? >> Wait. [laughter] Do this. >> No. >> Do this. >> No. >> Please. >> No. >> Please. >> No. >> Please. >> I know why. >> I have a bit I'm trying to do. >> I. stinks. >> It's not. But okay. >> You like to get up there in them Harry. P? >> Absolutely. Listen, you you look you.

look like friend of the show Papa Gut if. he had hair. And he loves getting his. wife's hairy pits. And I love that. I. love that for him. I love that for him. Oh, I did get a big whiff as you put. them down. So, actually, okay. >> Kept him down. But. >> Starts Bakery, Dairy Queen, University. of Texas San Antonio. I think you just. bought something there. Two Tarts Bakery. Inly. Go Starbucks Nean Marcus. You can't afford [clears throat] Nean. Marcus,

>> I don't know what that was for. >> Oh, you don't even know what it's for. That's when you know you're in an. absolutely horrendous position. >> You're a fake moralist. You really just want to live a bougie. lifestyle. >> Yeah, >> that's it. >> Yeah, >> that's it. Let's just be honest. You. don't actually give a about anything you. talked about here that you're uninformed. on. >> I would like to be more informed on it. I just. >> Why have an opinion before being. informed? I don't I try to not allow. myself to. We all fail in that as humans. >> mainly just I try to stay as informed.

but I forget a lot of the things that I. read if I like and I don't. >> where do you read. >> a lot of like sources from like I'm I'm. big I was a psychologist for a while. >> where do you read your information. >> mostly journals. >> what journals. >> depends on the on what we're talking. about. >> from where. >> mainly from government sites. government science.

It's not usually the most reputable. reporting sources. >> on government programs. >> I know, but I try to find a source. that's as close or as reputable. >> What do you mean? I would rather have an. independent journalist that's going into. a government organization, especially. the current administration. Almost any. information they put out, I'm like not. going to listen or. >> Oh, no. I'm not listening. But I need to. be able. >> because they're all like hype hype on. their Yeah. >> So I'm not going to listen to their. But I wouldn't listen to the Biden. administration either.

>> I'd rather look at I'd rather the Wall. Street Journal look into what the. administration is doing. Get some. sources on record or off record and make. a report. >> Yeah. >> That is like if you can still trust them. after all the firings. Again, >> Wall Street Journal. Are you talking. about the Washington Post? >> Oh yeah, I mixed it up with the. Washington Post. >> Oh my gosh. They know nothing. They have. opinions and they know nothing. Amazon, Uber Eats, Nordstrom, Sephora, Lily's. Cookies, going in and getting some. Amazon going in and getting. some Nordstrom again. How. often you go to Nordstrom,

>> Um, decently often. >> Why? >> Why do you feel entitled to that? >> I mean, >> what do they call them? Uh, caviar. socialist. Something like that. >> I knew he was going to say that. >> Champagne social. I mean, am I wrong, though? >> No. No, you're not. >> We actually had a talk about this like. recently. >> I mean, objectively, you are. >> Yeah. >> Louis Vuitton, Nordstrom, all this.

insane Hot pot, AMC, AMC, Target, Target, UT Commons, Cafe. >> Oh, when I go to Target, it's groceries. >> I hope so, but there's also a couple. purchases of the same day. One was like. a grocery amount and one was like a $5. purchase. Highly doubt that's groceries. >> It's probably Starbucks. >> [sighs]. >> Why are you living up to every. stereotype? It's just it's so unfair to. you. [laughter] Like I'm not even doing. it. PayPal. >> I don't know. >> D-pad. Michael stores.

>> Turnstyle coffee bree signature nails. Signature nails. McDonald's. Amazon. Barnes & Noble. Barnes & Noble. Jerry's. art. They have one there. >> Yeah. In San Antonio. >> Oh, they're all around. >> Yeah. I think that's the one. >> Do they have a spinning Jerry? I don't. think so. No, it's not. It's It's like a. smaller one over there. >> There's a cool Jerry's around here. >> Is there? Oh, really? >> With a big spinning Jerry. Don't go. there after here. >> Here we go. [laughter]. >> I'll think about it.

[gasps]. >> Dbrand. A Dbrand case or skin? >> Yeah. >> Oh, for sake. For 200 bucks. My. goodness. I love them. They should. support the channel, but you can't. afford them. Nordstrom again. Oh, HB bookie fee. Yeah, but HB was. It was $2 and then you went to. get groceries. >> HB. We also get the pharmacy. >> Oh, okay. That's fair. >> So, it's it's like the smaller amount. >> I'm sure you're on a lot of. self-dagnosed meds. >> Not self-dagnosed, but a lot of meds.

>> Mhm. >> I see far to be self-dagnosed. >> Oh, I'm sure you do. I bet you're. getting endlessly enabled. Come on. We've seen it so much in this culture. Have you seen the mental health. diagnosis among young women in this. country? No, I'm talking about physical. physical. >> What's wrong with you? >> A lot. My entire autonomic nervous. system doesn't work properly. >> Okay, you're going to have to tell me. what that is. >> Uh, [laughter]. so you're. >> At least I don't pretend to know. something when I don't. >> No, that's fair. Um, autonomic nervous. system is what controls like your heart. rate, your um sweat, your like a lot of.

>> Why are you so stinky if you don't. sweat? >> Uh, that actually happened after. pregnancy. >> Yeah, that's good. after pregnancy. I used to not smelt at all and then like. now I can't really control. >> You went from Asian to Mexican. >> if that's how you want to put it. Sure. >> Yeah. I didn't really sweat before and. now it's completely different. I'm like. relearning my body right now. >> So Koser Gaming of 2,500. Kill me now. You both are horrendous. Michael stores P&H Photo $86.

>> Wait, P&H Photo I think is for my Wait, what was that for? >> Oh, great. We don't even know. How much. was it? What was it? This is. just so stupid. Okay. Okay. Let's move. on to the second card. >> Okay. >> I thought you guys were protesting. Starbucks. Aren't they on the BBC list. or whatever? >> Um [laughter]. I think I think they are, but like. that's why we were like rationalizing it.

because it's the. >> the target of Starbucks versus like the. other restaurants. No values. >> I will say. >> I'll let you use the mine card. It used. to be the fizz card. It's the mine card. Thank you for the footsie under the. table. I appreciate it. It's okay. Now, let's play footsie. Let's Let's touch. those. >> I'll play footsie with you. >> We'll play footsie. You're getting. cucked over there. We're playing. footsie. >> Oh, boy. [laughter]. >> I'll let you guys use the mine card. It. used to be a fizz card, but it's the. mine card now. It is the debit card that. builds credit. I highly recommend it. You can't spend more than it's in your. checking account cuz that's what you do.

Amazon business prime card. >> Yes. >> What's going on here? >> Uh any business purchases I wanted to. switch to a different one. But. >> okay, >> those uh the reason it had a balance at. the time was for. >> business prime for me. >> Oh, I have this frame. I don't. >> $27387. $35. >> That's under you. You have a business. >> Oh, you want me to pull it up? Okay. >> No, whoever has it. And yeah, I mean, well, Audible, that's not business. >> No, that was an accident. >> That was an accident. >> It was because it's connected to the.

same Amazon account. >> Arts and Crafters. I mean, it makes. sense for the business, I guess. Square. Pad Services Market. Actually, none of. this is Amazon, so I don't even need to. see that. >> Yeah, I was going to say never mind. >> Markets for makers in Canva. >> Yeah, it's all it's all just purchases. for the business. >> This is. Oh, mortgage. Here's the condo. This is. good. We love a condo. >> Mhm. >> Expensive payment. Hold up. What the. This is an expensive condo. >> Yeah. >> This is as much as my condo that was.

like downtown Austin. And you're in New. Bronals. That's it. That's in. Alexandria, Virginia. >> That's in DC. >> Okay. What's the What's the. Where are you going to sell it? >> We've been trying to sell it since May. >> What's it listed for since May? >> Yeah. >> What's it listed for currently? >> It's listed for 420. >> And what was it listed for at start? [sighs and gasps]. >> It was originally listed for. >> It was originally valued at 450. >> You've only cut it?

>> Yeah. Yeah. >> By 30K. >> Yeah. >> Since May. >> Yeah. >> Well, now we're we're trying to rent it. and we're getting. >> Yeah. I was going to say cuz if you. you're not going to sell it at 420 with. that I mean obviously clearly the market. has shown. But not only that, but you. would break even at best. >> because after all cost and whatnot with. the 385 840.63. you owe on it, you would break even. [clears throat]. >> Yeah. We thought we were going to be. staying there a lot longer. Um but I. needed help with the baby so we came.

here. Okay. $2,921.61. a month. Yeah, it's chunky. Um, and how. long have we been trying to rent? >> Uh, only like month. >> Two months. >> And we have one possible renter lined. up. man. What are you trying to rent. it for? >> 2,800. >> That seems to be what the market is. doing right now. >> And so, we're going to definitely be. losing money on this cuz you're going to. have repairs, you're going to have. maintenance, you're going to have all. this. >> And then not even that, it doesn't even. cover the mortgage.

>> Yeah. I really want to get out of it. But. >> whose student loans? >> If it's Advantage is mine. >> Aid Vantage. Federal student loans. So. these are on pause. >> Yes. >> Well, that's good. >> So long as I'm in school and we did pay. off a little bit. >> forever. >> Yeah. At this point. >> Well, okay. $27,512.33. for our degree. We can't finish. >> Well, some of these do not have great. interest rates when they do resume. No,

that's why we started paying them off a. little early. >> Well, I wouldn't now because I mean we. but um Okay. Well, I thought you had. student loans. I don't see them. >> Oh, they should be there. We submitted. them. >> Uh I just got a. >> be ed financial. >> I just got an Okay. Well, either way, you're in school, so they're paused as. well. Yeah. >> But how much are they? >> Uh I believe I have 20,000. >> Okay. All right. Checking account. Is. this combined? This Navy Federal What?

What? What? >> That's combined. >> Okay. >> Yeah, combined everything. >> And with seven down from 10, seven is. definitely a good balance to have. I. mean, I don't know if I'd even keep that. much in there personally. Maybe like. five. >> Nah, it depends. I mean, I know you guys. are budgeting not, so that's why you. should have a lot because it means you. don't it up. But if you're actually. budgeting properly, you wouldn't need. that much in there. You could actually. make some money grow in a high yield. like Chime. I just I I'm really bad with. like switching everything to digital.

>> and. >> what you mean cash? >> No, cuz when I was cash stuffing it was. easier to keep track of everything. >> Okay. >> San Antonio San UT San Antonio. Who's. going to UT San Antonio? >> I am. >> Damn. So, what was that? Almost 2,000. bucks right there. Two purchases. >> That would be paying for my classes. >> Okay. And then you get reimbured. >> Yes. >> Okay. >> Okay. Okay. How much is going on right now? Okay. Uh, where was savings? Is there. savings? I know we have investment. accounts here, but was there savings or.

was it just what was in the checking. account? >> Well, that's dangerous. >> Uh, no. Wait, did you not submit the. rest of the savings accounts that we. also have? >> I don't think we have. >> We have um. >> You mean the investment accounts? >> No, we have the savings account. >> Which one? Maybe. >> the VA savings account. >> That's in That's in the combined. >> Is it in the combined one? In the. combined. Okay, then. Yeah. >> Oh, Okay. Well, 69K in this. Vanguard. Who's this Roth IRA? >> Mine. >> Okay. Good. Uh, for age or income.

actually. Yeah. Okay. I'm happy with. that for one account. Let's see what the. rest looks like. Is this Vanguard. separate or is this just within inside. of it? This. >> I have a bro a separate brokerage. >> So, 17. Okay, great. Then I am happy. you are on track for your age. That's. good. But we have a household here. So, if she has zero, that's going to bring. you from a 10 out of 10 to a five out of. 10. Fidelity. What's that? 734. >> So, >> oh, that's 529. The kid. Well, I thought. >> So, that's that was a 529 that I started.

before she was born. >> Okay. >> And. >> And whose is this? Cuz I have a Roth IRA. and a UT Savers. >> Uh, so both are mine. >> Okay. >> UT Savers is a. >> So, you have an additional seven sitting. there just about. >> Acorn's 446. Mhm. >> You as well? Yeah. Okay. What do you. got? So you're at about like what 85. >> uh. >> mentally. Okay. And then so far who's. thrift? >> That's me. >> Okay. About 50. So you're actually more. than on track.

>> And who's 13 on Edwards Jones? >> Edward. >> Good. And your parents have taught you. these skills. Why the don't you have. anything? Why aren't you contributing? You've worked. You've made money. >> Um because I've put my money into his. stuff. >> You haven't. >> Are you prenupted? >> No, we're not prenupted. >> Okay. Okay. Okay. Well, he doesn't think. you put money into his, but. >> I did. >> Are we talking about like. >> we put money into your Roth IRA from my. dancer money. >> into his Roth IRA? Should you? That's.

>> Yeah. >> I don't know if that's kosher. >> No, if we're married, I think that. that's. >> Yeah. And I was making money at the. time, too. So, like it's about like. earned income. >> Okay. >> It was cuz we were trying to combine. Listen, for the household, well, since. the house, actually, from all technical. math, the household is a 10 out of 10. because you actually bring in nothing. If you brought in money, it would. actually bring the household financial. score. But since you meet over one times. income currently, >> yeah, >> you're actually well, that's what's. going to carry your score. But let's. let's get this budget figured out cuz I.

want to get you guys to one, you being. able to be that woman hero icon. You. want to be that they them icon. I want. you to get there. So, all debt including the mortgage. 2961. And I can't include the renter yet. >> I can't until we have that in there. >> Yeah. No. >> Okay. So, all debt included is going to. be $2,99961. cents on a monthly basis. Okay. >> Now, you're still paying for utilities. and whatnot. It's going to be cheap.

>> Utilities are really cheap. >> It's like 20 bucks. >> Okay. Good. >> Um, that's about. $85 a month. >> Okay. For two, that's not bad. car. insuranceances. >> That's new. So that's. >> Yeah, that's new. That was 130. >> for both. >> No, for me, they're still under their um. >> I'm still under my mom. >> Yeah, their mom. >> Car gas from drive drive. How much? >> Gas is about. >> It's a lot because I have to commute. >> About $135 a month. >> That's a lot.

>> No, maybe it's more than that cuz I have. to get. >> How much is the gas, guys? Please. >> So, I have to get gas every like I would. say like every 3 days. That's the number. a month. >> Let's say like $200 a month. >> That's a Okay, >> that's not. >> Okay, that's okay. Is is the uh is the. baby from the booby? >> No, she's on the formula. >> She was on formula, but she's not on. formula anymore. >> What does she eat? Baby food. >> She eats regular food. >> She eats regular food. >> Like human food. >> H.

Okay. I think we should be able to. budget $750 for food for the household. >> He's the only based on HBO. What's the. catch? >> We have to pay for the whole household. >> It's an entirely different kind of. flying altogether. >> It's an entirely different kind of. flying. >> We We make food for. >> in the house. >> My mom and my little sibling. >> Are they okay with your meal prepping on. the Jeep? >> Well, you're going to have to. communicate with them because you guys.

are trying to get yourself to a better. financial position so you can move out. >> Yeah. We should be able to budget for about. a,000. >> Okay. >> 100. [clears throat]. >> Okay. >> We have a meal plan. We will give you. that. I don't have it right here, but. it's right there. We'll give you that. And we'll also give you the cookbook. It's. >> based on HB prices. >> Oh, bet. >> Cool. >> Yeah. Uh, okay. TP fund. Anything else. for you, the kids, all that good stuff. About 200 bucks a month. Medical. healthcare. I know you're broken. What. is our co-pays on a monthly basis? >> Um, so co-pays are about $30 for each uh.

doctor. >> Come on. Um, >> you've had a lot of appointments. >> I have. >> Let's say once a week. So, >> yeah, once a week. So, >> let's just say like 160 to be safe. >> 160. >> Good. Is there a gym? >> Uh, not right now. >> Subscriptions. Let's try 40. Are there. pets? >> Yes. >> We have three cats. >> Oh, what's wrong with you? $150 for pet. insurance cuz you couldn't afford a pet. >> It's actually $65 with pet insurance. >> Well, those are probably those probably. really bad pet insurance. >> It was the ASPCA pet insurance. >> I don't know what that's covers. I would.

reassess. Okay. Listen, I'll put a 65. for now, but I would reassess because a. lot of people with cheap that's actually. quite cheap for three cats. >> And with that, it might not cover a big. expense, which is the whole point. >> It was It's extra then. >> Just take a look. It's all take a look. >> Okay, >> I'll put it for 65 for now. How much for. cat food? >> Um, I believe their cat food is about. 120 a month. >> Okay. Anything else that needs to be in. this budget that I have not put in yet? Um.

>> uh I mean are we still going to be. contributing to the 529 plan? >> Um let's take a look. Okay. We probably can 5,999.61. on a monthly basis. Obviously that math. changes a little in your favor when you. get the renter, but we have to get the. renter first. Income right now 240 from. you. Uh, the household is 8,110.

Now, [clears throat] it will go down, but that's in a couple years, so I'm not. freaking out about freaking out about. it. Yeah. >> VA money from uh from my stuff, it's. about 1,500 a month. >> Yeah. Isn't that just paying for school, though? >> Uh, it gives a little bit extra at. least. How much extra? 300. >> Okay. Plus 300. So, you have an extra. $3,310.39. I mean, I would manage the credit cards. Okay. So, you pay those off immediately. That's not hard. Um, you guys are already making about the. plan that you wanted to do for paying. off the credit card.

>> Oh, I was just planning to throw. everything. >> Just throw it. You paid it off in a. couple months. That's not a big deal. My. big thing right now then after that, >> pretend like you don't have a renter. We. get rid of the rest of the debt. payments. Your living expense is still. like 5,000. We'll call it 5,000. I I. want her to be able to go into this. business full-time. What I would. essentially do, I'd save up nine months. minimum. save up $40,000 of which with. the. Wait, how much was left on a monthly. basis? >> Didn't you just say 33. >> the 3,000 left over? >> Good.

>> Which I mean, you save up in just a. little over a year and then you can go. full force. That's 9 months emergency. fund. That's incredible. I think in just. over a year, you guys have a 9-month. emergency fund. Your debt's gone except. for the mortgage and student loans. Student loans monthly payment until. they're paid off. Mhm. >> Um once those are even started, mortgage, hopefully we can sell that at. some point when the real estate market. recovers. >> Yeah. >> Um. you guys can easily go out on your own, have your own place. Uh.

>> and it'll be fine. You guys will be. fine. You can focus on your business and. it's totally chill. >> It's actually not that hard. It's a. stupid position to be in cuz it's not. very hard. >> Yeah. >> Okay. Well, I know the post show is. going to be interesting. one, I'm going. to go through their text and see how. this dynamic that dynamic that I [music]. was tracking from the beginning concerns. me. So, I'm going to go through that and. we're going to um figure some things. out. They want to put their daughter in. private school. We'll talk about this. moronic. Oh my goodness. Okay. Oh, they're planning to move to Austin.

Okay. There's so much We're going. to go into the post show. It's going to. be fun. But let's get the hammer. financial score first. Spending in a. budget. You ever spend 010 debt? No. collections. Mortgage. Oh, that's not that bad. debts. for your guys' income situation. I'm. going to give it a four out of 10. Emergency fund, nothing in an emergency. fund yet. The money set aside, I'll give. you a 1 out of 10 cuz there's some money. in the checking account, but we got to. move some there. Retirement, [music] due. to the income situation, is a 10 out of. 10. Real estate, it's worth about what. you paid for it. Well, you don't even.

know. Rents even be less than break. even. The interest rate isn't that. great. Not the best. Real estate 6 out. of 10. But at least you're in the. market. That's kind of what matters. there. And our financial score, round it up, 4.5 out of 10. Join us in the post show, guys. Yeah, cuz your finances weren't. that bad. Like, it's like it's like. Okay. All right. Join us in the post. show. It's going to be a good one. See. you there. Join Hammer Leap. Wait, why. do you have Bumble Premium until July of. last year?

Wait, what the. Why are there Hinge notifications. happening right here? There's Hinge. [laughter] on her phone. She's messaging. dudes every SECOND OF HER LIFE. Oh my. goodness. There's men liking you every. five. You're just chatting to men in. She's fully you. She's fully you behind. your back. This is insane. Next week is. the final week. Don't forget to download. the new Dollarise budgeting app. This is. officially now the best budgeting app on. the market. And I'm giving you a special. deal to download, but only through March.

31st. take a free 3-day trial to test it. out. And then you get the monthly plan. at a 33% discount for the first three. months or the annual plan at an insane. 50% discount. And with the annual, you. get my [music] budget friendly cookbook. and my brand new 30-day detailed budget. meal plan signed by me and me directly. to you. After March 31st, the cookbook. is going away forever. So this is. literally your last chance. Don't. [music] miss the opportunity of a. lifetime. Download dollar to start your. free trial. Go to dollar.com or click. the link below.