$426,000+ A Year On Pokémon | Financial Audit

I'll spend things on whatever the I. want. You hear that? He'll spend it on. whatever the you want. >> What I'm trying to say is that we're. trying to take the steps to get to we. want to buy a house. >> You haven't. up for a second. I don't understand why. you think. >> I'm explaining it right now. If I'm. explaining that, you will listen and you. will hear the answer that you'll desire. Is there a way to communicate with him? >> I just tune him out sometimes. >> Like I'm confused on how he's confused. >> We have two different communication. styles. >> Obnoxious and delusional. But you're. looking at one month after having 37. years of habits built up where we're. trying to take time to change these.

habits. >> No, you're right. You're right. And I I. see the results. I see the results of. that. It's more than a4 million in debt. >> Why didn't you tell me it was that much? >> Get your Hammer financial score at. caleb.com and see where you stand in the. world of finances today. >> Hey, I'm Tim. I'm 37 years old. >> I'm Mary. I'm 37 years old. >> And this is Financial Audit. >> Tim, coming in excited. Okay. What do. you do for a living here in Austin? >> Uh, I mean, I make money. Uh, I work in. the software engineering field. So, I've.

been doing that for the last like 10. years or so. >> Yeah, we do that here in Austin. Not. necessarily the best market right now. So, I really hope you don't get laid. off. What are you making? >> Uh, right now I make about $250,000. Uh, and that's including an annual bonus as. a house. Yeah. >> Woo. That is chunky. >> Yeah, it's nice. I mean, I've worked a. long time to get there. Uh, but you. know, I thought I'd come in so that we. can have an opportunity for you to. actually look at people with finances. instead of just people that have a job. So, we actually know what we're doing.

>> with finances. >> Yeah. Yeah. When you're just like hustle. finances. >> Well, you're just having a side hustle. all the time. Like, >> you think everyone just has a side. hustle on the show? >> Yeah. I mean, everyone's like, you know, doing Door Dash or working out at like. the delivery window or something like. that? >> Like one out of every eight episodes. I. guess the ones that just come across. that become interesting are the ones. that have the. >> So you're not interested. >> Oh, we'll have to find out, right? That's the whole point. >> Okay. So, someone with actual finances. That's That's curious. Okay. $215,000.

>> That's great. Huh. >> 50? >> Yeah. >> Okay. I thought you said 15. >> Oh, no. And Mary, what do you do? >> I work in market research. Uh I bring in. after bonuses and everything, I bring in. like 85,000 a year. >> Also, great. Great. Just that alone. would be great. But with this 250, so I. mean we're killing it. What hits our. account on a monthly basis on average. across everything? Are we combined. account? >> Combined. Yeah. Okay. There's finances, ladies and gentlemen. It's a combined. account. >> I'm glad you recognize that. >> Yeah. What is the account?

>> I don't know. >> But what hits the account on a monthly. basis? >> Yeah. >> Yeah. We hit the account roughly uh. 18,000 a month. >> What is she know? >> I just don't do the math. I'm more. financially focused and numbers or it's. not financially focused. We're both. equally invested in budgeting, but I'm. more numbers focused. Like I'll keep. track of the numbers more closely than. >> invested in budgeting, but she doesn't. know the numbers around the budgeting. >> Our budget skills are in development. We. only recently invested in a budgeting.

app in the last two months or so. And so. we're trying to stick to that and be. >> And you were doing before? >> Uh a little like finger to the air, you. know, uh keeping track of it. uh mostly. in my mental uh financial spreadsheet, I. guess you could say. Uh. >> well, how'd that work out? Cuz I don't. know if we're in it. Who knows if we. were able to put it together, but two. days in a row now I've had fat stacks. and this is fatter than the last one. This is going to take us an eternity to. get through. Finger to the air. Oh, you.

have actual finances. This is crazy, man. >> That's just a number of accounts. >> Listen to that. Thating booms the room. You hear that? I'm glad you brought you. a toy to play with today. We brought you a toy so you could. actually have a. >> You brought me a toy? >> Yes. >> I better than that Lab Boooo behind you. >> Uh-huh. >> Yeah. Okay. Uh, sure. So, what were you guys doing. before this? I mean, you said finger the. air. Yeah, but what did life look like. before this? Oh, we got a budgeting app,

which by the way, I mean, I'm going to. see the month that you had a budgeting. app. I the last month, so month number. two of having a budgeting app, shocker, didn't go well. But what were you doing. before the budgeting app? >> I think just trying to tally everything. up like in our head. We're not really I. don't know. I like spend. >> What did life look like? >> I mean, the same as it kind of does now. Like we go out to eat several times a. week. We go to the movies at least every. other week. We have our hobbies. We have. our dogs. That's not going to the movie.

every other week and going out to eat. every once in a while for an income as. strong as y'alls isn't even close to. concerning by any means. That wouldn't. lead us to this. >> I mean, we like nice things. We like. nice restaurants. We like to travel. >> What does out to eat? Spending $2,000. every few days. >> No, I mean every we probably spend we. spend, you know, $200 or so a week on on. eating out. >> This would not make or break your budget. by any means. So, I'm still concerned. We didn't always make this much money. We always we we met later.

>> How long have you been making this much. money? >> I. >> 5 years for me. >> Yeah. So, >> and you. >> I over 100K for the last 5 years. Uh. five or six years. >> What the [ __ ] you talking about? >> Well, you guys have been double triple. the median household income for minimum. 5 years. >> We had a lot of debt coming into our. current jobs that we have now. >> Yeah. But that's over 5 years ago. >> Yeah. But it took us 10 years to build. up that debt ahead of that time. So a. lot of it a lot of the situation is us.

mortgaging our 30s to pay for our 20s is. how I would describe it. >> We spent we both went into a lot of. debt. Had a lot of fun before we met. each other and then now that we are in. our 30s and actually meeting the earning. potential that we plan to have, >> which is why we spent $27,000 last month. when we bring when we brought in 15. >> Yes. >> Yeah. >> Yes. >> Because. >> we got married. We were only bad before. and we're doing great now. Second month. into having a budgeting nap. Guys, it. was all 10 years ago, which is why we. spent $10,000 more than came in last.

month. What the are you possibly talking. about? >> It was a special occasion. We got. married. So, >> we recently got married. Yeah, >> recently when a couple months ago. Last. month didn't include that's not in that. 27,000. >> I'm not seeing this marriage. >> Well, >> it'll come up. >> I mean, the state of Texas knows about. it if we need to go get a certificate. for you. No, I'm saying in the finances. I don't know. Maybe. >> we did save. So, we we got engaged and. we uh we waited like almost 3 years, >> but last month those costs weren't in.

August. Last month, our costs would have. been related to paying off debt, been. paying for our dogs. We spent a lot on. taking care of our dogs. We spent a lot. on going out. Uh we spent a lot on. entertainment, restaurants, bars. Uh. just enjoying our lifestyle. >> You bring in net well 18, which is so. this was just about that. I again I had. 155 so it was a little less but. this doesn't make any sense why you. would spend 27.

>> I think that's part of the reason that. we need a budgeting app to keep track of. it all. >> Cool. This was the second month into a. budgeting app. What did you find? >> Uh we spent about the budgeting app told. us that we spent about $2500 over our. flexible budget. Uh so like. >> what do you consider your flexible. budget? >> Discretionary uh accounts like Yeah. the. number. >> Uh, I don't know. I've got to I can pull. it up on my phone. I think it's like. $4,500 or so. >> So 45. Well, that's okay. I don't need. an exact number, but 45. >> Yeah. >> Is your considered flexible budget?

>> Well, we know you've spent well beyond. Also, bad debt alone is $161,000. >> $161 bad debt. That's bad bad debt. Then. there's a lot of No way. No, you guys. are $269,18029. in debt and not a single one of those is. a mortgage, >> correct? Yeah, >> we do want to buy a house like in the. next two years. >> Okay. So, I mean, what the is this? This. is lifestyle inflation to the core. You.

guys are making well beyond what anyone. in their wildest dreams makes. And yet, you're living like you make double. somehow. Like, this makes no sense. You. guys make what? 350. Uh roughly 3 350. mean like you make five. >> Yeah, >> we like nice things. We we like. ourselves. >> We worked hard to get to where we are. And I know that other people say that. But. >> 350,000 hours is hard, not 500. >> Well, I mean a little You got to live. life a little. >> We enjoy ourselves.

>> Put the life back in a living. >> We We do set aside like a lot of that. I. don't know. Like I'm I'm curious to see. what that 27,000 actually goes towards. debt when it comes to spending. Uh cuz. we do pay a decent amount towards our. debt that we had before getting into our. situation. >> Maybe. I don't know. That's not what I. Dude, you you guys have literally uh. more than a4 million in debt. None of. it's really good. 100 of its student. loans, which has provided a return on. investment. Sure. And then there's some. 0% cards, but then. >> what do you mean? >> I It took me 10 years to get an.

undergraduate degree, but. >> no, >> nobody's autistic, though. >> Yeah. Well, aren't we all? It's a. spectrum, right? Uh, you can't argue. about it. I've seen you. >> Uh, a little a little maybe a little on. the spectrum. >> My point being though is that the 10. years that it took me I jumped between a. couple a couple different things. I. started studying music, went to. accounting, went to mathematics, but. none of those apply to my actual job. these days. >> Autistic. >> All I do is that I actually I taught. myself how to code and got into. software. So my education that I got.

wasn't necessary for the skills in the. job that I do now. >> Well, was most of that 100 you. >> I'm sorry. Most of the 100 student. loans, >> uh, half of it is mine. Yeah, we each. have about $50,000 in federal student. loan. >> Well, yours still paid off, though. >> Uh, I have like $4,000 left on a state. loan and then. >> But yours paid off. I'm saying what you. borrowed for your income that you're. getting has paid off. It was a good. return on investment. >> Yes, I think so. >> Yeah. No, objectively. >> Yeah. >> I mean, you guys make an incredible. income again, which is crazy. Why every.

time I swear I swear in this country. specifically it's like I mean there's a. big part of our culture like people are. going to be envious of your financial. situation they're going to you know. almost be upset that you make this much. money. Honestly don't even be upset. I. swear people every time I meet people. that make a ton of money they're in. worse financial situations than those. who are broke. I mean, we. >> because you guys have this. >> We could get out of it. I feel like in.

less than we. >> It takes time to get out of it. 5 years. of making an incredibly strong income, three times the average median the. median household income in the United. States. So why haven't we? >> Because most of that time we spent like. most of our discretionary income was. spent saving for a wedding to be able to. pay for our wedding. >> How much was your wedding? $70,000. >> Why? Why? Again, you guys are living a. $500,000. maybe $750,000 lifestyle. >> It was beautiful. It was okay. >> It was a beautiful It was the happiest. day of my life and I don't regret it and. I will I will fight you on that, Caleb.

>> Yeah. And there we went over We had a. $50,000 budget for the wedding. Uh we. ended up paying a little bit more than. that whenever. >> 25% more, right? Or 50% more. >> Yeah, I think so. Yeah. >> Yeah, I'd say. Yeah. Roughly in that. same that time frame or that. >> it was great. >> pay range. >> What the cost $75,000? >> Magic, my friend. Magic. >> Okay, let's give an example. There were. Well, there were three different parties. cuz I'm I'm Mexican and you know in. Mexico you have like a 3-day long. celebration. >> Well, I mean you're in America.

>> Yeah. Well, >> fun fact with that one, but. >> we we may have traveled. >> The wedding was in Mexico. >> Yeah, it was cheaper. >> Yeah. You saved so much. >> We did. >> We had what we got. >> Yeah. It would have cost. >> Yeah, if you went insane in America. Sure. Dude, this makes no sense. This. makes no sense. I mean, we we wanted to. have the wedding of our dreams. We. wanted to have the party that we wanted. to have and we prioritized. instead of Yeah, I could fix that point.

Yeah. >> You could have been fixing it for so. long. You're saying you saved up to. $75,000 over 5 years? >> I don't know. >> We saved up about $50,000 over 5 years. >> Okay, good. And you're get out of a. quart million dollar of debt. In fact, more in two years. Wouldn't you saved up. $50,000 in 5 years? >> If we really like, >> you know, math isn't working. a big. dream day. You couldn't. >> buckle down and really figure that out. and work hard. >> It's not that we couldn't. It's just we. chose to have the party that we wanted. to have. No, no, no, no. She's saying. you can do $250,000 in two years if you.

really buckle down. But the big dream. day was our big special thing that she. would never regret and never take back. Okay, great. But she you guys couldn't. buckle down for 5 years and do more. >> Think that there's actually a little bit. of. >> I wish there was proof. I could be like, "Woo, yay." Yeah. two two years and. we're out of this guys. Let'sing go. I. would totally believe it. >> I think two years is probably a stretch. goal, but we can probably get out of it. within the next 5 years. I mean, we've. been paying off various accounts and.

even before we had the budgeting app, the whole goal was whenever a a check. hit our account, it would say, "Okay, what do we have to what's our next debt. that needs to be paid?" We'd pay all of. our debt first and then we would uh use. the rest of that money pictures from. their wedding. This is insane. And. they're in like a castle. They got. marching bands. They got there's a. parade. >> Ridiculous. Absolutely. Yes. No. No. No. But I It's. just like it's the entitlement around. it. Thinking like because you wanted it, you could afford it and it makes sense. It necessarily doesn't. And yes, you're.

Mexican now in these pictures. I thought. you were Asian here. >> It's not the first time she's. >> But. >> but we did pay like that wedding is paid. for entirely. That's why we waited so. long to have the wedding of our dreams. is that we wanted to put as much cash. down as possible for it. >> I get that, dude. I'm saying you have no. proof to back up you being able to pay. this off in 2 years when you could only. do 50 for our dream.

>> Mhm. >> In five. >> What do you mean there's no proof? Like. we're paying off we'reing payments. towards debt. We're making. >> monthly payments doesn't matter. >> We're making more than minimum monthly. payments. Well, you can see you spent. more than you made. Like that always. gets offset. I hope there's someone. twerking on the ground. >> That is true. Yeah, >> we always we always end how th we always. know how to throw a good party. Our. friends always bring the best energy for. sure. You guys can always afford it. >> We had mscal bottles with our names on. it. It was It was perfect. >> Yeah. Little Sunday brunch the day. after. Uh everyone.

>> they made her into a pinñata. >> What? >> No, that's not her. It's just a They do. a what's called a kinda in Wajaka. And. that was the parade that occurs after. the the wedding reception. And. >> boring. >> is true. And we're not I I I want to. learn a little more about you guys. But. it is true. This first statement, they. made more than a minimum payment. That. is true. Which is what you do. But it. doesn't matter because you spent more. than you even put towards the card. If. you make more than a minimum payment, but then you spend way more than you. even made in terms of the payment, then.

you you don't get out of debt. And. again, the no proof. There it is. I. don't know what what is your guys'. internal dynamic about money. You guys. communicating. How how's it working? How's it looking? The house, the. household. >> I mean, when we So, when a paycheck hits. the account, usually I'll talk to her. and we'll say, "Hey, what do we need to. pay between now and the next paycheck?". And we'll pay off all those items. And. then at that point, we take. >> But how are you choosing? Because again, you spent more than you even put towards. us on the last month. >> It all comes to due dates for the for.

the accounts. So if something's due, so. if we get paid on the first when a. minimum is due. >> when a account balance when yeah when a. next monthly payment is due on the. account and we pay the minimum payments. for everything there. >> and then we have an additional fund in. the budget line that's about $1,500 of. debt that we can pay towards debt. >> But again, you spend more on it than you. put towards it. So it doesn't matter. And by the way, you are not answering my. question. I asked how the dynamic of. finances are in the household, how you. guys communicate. He knows the numbers.

It sounds like he's really telling you. what to do. It sounds like Canisador. came in here and stealing all the gold. Like, >> no, it's I mean, there are some there. are some charges that are on the account. where I'm like, I don't really know what. that is. But then I just ask him and. >> about not knowing what it is. You don't. know the numbers. >> I mean, not specifically. No. Like, I. know he makes X amount every time he. gets a paycheck. I don't add it up. So, when you ask like how much hits your. account every month, I don't know. like. I can guess, but I don't know the.

specific number. And then I know that my. accounts are paid for every time. Like. we don't have a late payment. Every time. that it's due, I pay my account. And I. know what I spend on monthly. And he. spends on his stuff monthly. >> I don't That's one thing that we're. trying to do better about and that's one. thing that we spend a lot of money on is. eating out and eating, you know, not so. much Door Dash, but just nice. restaurants and stuff. Uh, you know, we. her birthday was last week. We went and. had a nice sushi dinner.

>> You guys will have an excuse for. everything. There will be things that. pop up forever. You'll have an. anniversary every year. You'll have two. birthdays every year. You'll have And do. you guys have kids? >> No, you'll have birthdays for them every. year. You'll have Christmas. You'll have. family. There's always things that'll be. popping up and you guys will use that as. an excuse to spend an infinite amount of. money constantly. >> But if we're making it, why why. shouldn't we enjoy the money? >> I'm not saying don't enjoy it. I say. enjoy it responsibly. You're you're. spending like you make $500,000 a year. >> I mean, when relatively speaking, when I.

was younger, that's absolutely how I. spent. I spent 500. >> That's how you're spending now. You. spend $27,000. You brought in 15. Why. the are we talking about when you're. younger? I'm talking about you literally. in the statements that we have. >> I I don't believe that your statements. are I don't believe your calculations. are perfectly accurate because. >> accurate as they're adding up. >> spending that's going But you're. counting spending and all that. An. example, first credit card, they paid. 4,000 towards it, but spent 9,141. Just because it's not visible in your. checking account doesn't mean that's not. what was spent. >> I But how does that spend across? Like.

when you look at the checking account. and you look at what was coming out of. the checking account. >> It's not just about the checking. account. It's all accounts combined, big. guy. >> What card is it? >> It's the Navy Federal. >> It's your card. >> Your card? >> Yeah. I mean, >> miscellaneous [ __ ] flown is. borderline 10,000. It's right there. >> On what? >> Well, I don't know, but that's the. category. We'll find out. Miscellaneous. [ __ ] can range from video games to. Monster energy drinks to who knows.

We're going to go through everything. Going out to eat was $1,225. Like, this thing's crazy. >> That's why we're trying to like adjust. our spending in our budget now because. we're trying. >> And then you didn't after two months of. having a budgeting app. >> Sure. But we have to adjust the way that. we're spending so that we can get to the. next part of our our next phase of our. life. >> I agree. Which is why you didn't do it. in your two months of having a budgeting. app, >> right? And so now in the next two. months, >> why do you keep saying, well, what is. this answer? This is that's such a. non-answer though. >> It's not an answer, though. What I'm. trying to say is that we're trying to.

take the steps to get to where we need. to be. Like we want to buy a house. >> You haven't in the two months you've had. a budget. Like I want to believe you. If. we're sitting here and we're just having. a conversation where we're not being. fully open and I'm not and I'm not shut. the up for a second understand why you. think. >> because I'm explaining it right now. If. I'm explaining it, you will listen and. you will hear the answer that you'll. desire. Why do I not think it? Well, because you say, "Oh, I'm going to do. this. This is going to happen. This is. what we're working on." And in a.

conversation, if we were just at a. coffee shop, I'd be like, >> cuz why have the conversation? But. here's the thing. We have a budgeting. app for 2 months. I have your most. recent month. I see the spending that's. within that month. So why am I trusting. and believing that you are going to do. that when all the proof that is on paper. on paper is suggesting otherwise? So why. would I just sit here and listen and. just be like, "Oh, you're right. You are. going to fix that. What the are you. talking about? You have the same tools. that you had the month that we're seeing. here. I'm not just going to take it and.

believe it and stop pushing back because. uhoh. Yeah, >> but you're looking at one month after. having 37 years of habits built up where. we're trying to take time to change. these habits. >> No, you're right. You're right. And I. see the results. I see the results of. that. And it's more than a quart million. dollars in debt. And I see the habits. that you're doing literally last month, which means it's not going to 100% be a. completely 180 next month. And that is. blowing $10,000 more than you make. >> It takes like 6 months for change to. happen. So, right, like six weeks. Six. months. What is it? >> Two weeks to make it a habit. And then.

six months to see change. >> Two weeks. We're in two months. But. there's only these on a monthly cycle. You can't measure it on a week- to week. basis. >> No, but it's been two months. There's. been many two weeks in that two months. >> And so we've made habits and changes to. the way that we've been spending. Like. we strug like we what we spend on a lot. is like gratification. >> Zero to 10. Zero being the worst, 10. being the best. What do you think your. financial score is? I'm jumping into. these finances earlier than normal cuz. oh my, we're going to be here forever. and whatever delusional world you're.

living in right now hopefully gets. cracked. I'm gonna go three, two, one. on. I want you to give me what you think. the household financial score is. Okay. Three, two, one, >> three, >> one. >> Okay. Why do you think you're. better than he thinks? Or how about. this? Why does she think you guys are. better than she thinks? Look, private. student loans can make you feel like. you're one mispayment away from selling. your grandma's heirlooms. We miss you, grandma. Why? Refi says, "Chill out. No.

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you do. Visit plaude.ai to get yours. today. I think I just have a more. pessimistic view about our finances and. that we need to be more. >> Well, you actually know the numbers. >> So, I I can answer for myself. I can say. that the reason I give us a one is. because we have some retirement savings. Other than that, like the rest of our. financial assets. >> Why did she think cuz she hasn't. analyzed the numbers maybe as much as I. have. Like she hasn't looked exactly at. what's going in and what's coming out. Like the I have a better sense of what's.

actually coming in and going out on a. month-to-month basis. And I think that. we need to make more changes for us to. be able to get to that goal of getting a. house. And you know, we want to have a. family. We want to have at least two. kids. Like, so we need a house to be. able to afford this. >> This is way too long of an answer for. why she thinks it's a three, but you. kept talking about yourself. Again, if. you want your financial score, take the. assessment. It is free at. calebhammer.com. Take the assessment, figure out where. you're doing well, where you need to. improve. Just takes a few minutes and. you'll figure out where you stand. And. if you don't want to be like a guest who.

ends up on this show, download the. Dollar Wise budgeting app, sign up for. the free version, and if you like it, sign up for the annual version, and that. will save you a lot of money. And it. also comes with the budget friendly. cookbook that I sign and mail directly. to your door. And if you want to bundle. with all of our educational products. together, join dollar wise central. Learn more. dollar.com. All right, we got to get into this cuz. we're going to be here for my entire day. and I got to do. Okay. Navy Federal, the. one we make more than a minimum monthly.

payment on. Woo! We're so excited cuz we. do so well and spend double what we put. towards. >> We just enjoy what we enjoy. >> Shut the up. >> I don't think you actually think that. >> I don't think Shut the up. >> No, you don't actually. You actually. want to hear us want to talk. So, >> Huh? Huh? What? You just said something you've already. said four times. I don't need to hear. that. All right. Now, Navy Federal. Oh, good. It's.

what happens with a higher income. You. get higher access to credit limits and. then you just your entire life. Now, luckily, for what it's worth, I will. clarify from what I said earlier where. it's like, you know, like your finances. are worse than someone who's broke. Numbers on paper. I mean, someone who's. broke, sometimes that means, oh, they. might get evicted. They're closer to. eviction. They're not paying for a. utility. I mean, you guys could be, too, if all your money's going to minim. But. obviously, you guys have tools like. bankruptcy, and that could get you to a. solution faster. But I just mean more. numbers on paper. Um, but $22,99.

What the 70s? That's insane. What is. going on with this card, big guy? >> Uh, that's kind of our catchall account. >> I love a catch all. Uh, but for the most. part, I think a lot of our like the. extra that we spent on the wedding ended. up going on to this account. So, like I. said, >> meaning you could not afford the. wedding. I'm okay with the wedding. >> No, we we saved for the wedding. All. right. We saved the wedding and we did a. lot better than most people do here. >> What are we comparing? Who gives a jerk.

yourself off harder, big guy? >> So, we got So, look, we ended up getting. we met in January of 2020. All right. And we met in Breenidge in the middle of. like right before the pandemic started. and. >> oh no something else no one has. experienced the pandemic. Okay continue. >> We ended up. >> see what makes you such a unique. butterfly. >> Uh what makes me a beautiful butterfly. is the cocoon that we came out of. So. unique beautiful not the same. >> Continue you met during the pandemic. >> Yeah. So we we ended up getting engaged.

in 2021 and we got engaged down in. Mexico City and what ended up happening. is that we spent a week there and then. we went over uh then we went to Waka for. a week and hung out there and we talked. about where we would want to get married. and we decided that we wanted to do it. in. >> wonderful that gave you four years to. save up money on a very strong income. Here's the fact I want you guys to have. this wedding. You can afford this. wedding in your income, but you did it.

before you could afford it and you put. it on credit cards like dumb. motheruckers who's acrewing $3,000 and. paid $50,000. >> and then you went over budget, which. means you don't get to do it until. everybody goes over a budget. Everybody. goes over a budget when they have. weddings. That's what my best friend. told me. She's like, "We went over our. budget. Just prepare yourself. Your. >> Maybe your best friend needs to be put. down.". I've been to a couple weddings this last. year. They didn't go over budget. my. friends, >> and they're my friends. >> But do they have reliable sources? >> Do they have beautiful catering? Was it.

a three-day festivity? >> It wasn't a three-day festivity because. >> they're not their money. >> I mean, >> it's just a choice. We decided to spend. the money there. >> Chose to spend more money than you saved. up more money that you could afford and. more money over the next few years. Like. everybody get like. >> we really didn't travel during that. time. And like now we want to make up. for that. We want to get our finances in. a good place so we can travel again. >> You hear this? hear your privilege, mother. >> It's what is wrong with you guys? We. make the money. We make the money. We. make the money, but it's the entitlement.

to like, oh, oh my goodness, we didn't. travel. Oh, oh, [ __ ] We didn't travel. Oh no, we didn't travel. Oh my. Do you. guys even hear yourselves? Like, yes, if. you can afford to travel, do it. But I. don't give a about the Boohoo [ __ ]. If you can't afford to travel now, I. don't give a if you didn't get the. chance to travel a couple years ago. Yeah. Afford it. Put it in the budget. when you can. I don't give a. >> That's what we're doing. >> No, you're not. >> That's why we have a line item for. travel in our in our budget.

>> No, no, no, no. You have a quart million. dollars in debt. None of it's a. mortgage. You don't have a line item for. travel. >> So, we're paying that off now. Slowly. and surely. And like every day, >> you spent more on this. Oh my goodness. What a pointless back and forth. What a. pointless dumbass back and forth. Yeah. >> Going on our honeymoon in Hawaii. So, that's travel that we're going to make. up. That's going to be great. It's like a dream honeymoon. >> Yeah, cuz everything has to be. everything we want regardless of who if. we can afford it. >> That's the last like large expenditure. that we have.

>> Well, we want to have a kid. >> So, and then we want to buy a house. >> So, >> that's why we're having to reassess. exactly where we're spending all of our. money and. >> keeping the consumerism economy alive. >> That's why we're here. We need your. help, Caleb. We need We would like. >> Shut the [ __ ]. >> Have you heard this conversation? We. like somebody to tinker with the. finances. >> How much is the Y going to cost? >> About $8,000. >> Doubt. >> It's what what's been budgeted. It's. what's already been spent. >> Yeah, but we know how you guys budget.

So, I'm guessing if it's $8,000 for you, it's going to cost about 12. >> Based on how you guys do things. >> I was thinking 10. >> I think 10 is probably reasonable. Yeah, >> but. >> it's not that, man. >> It's not that bad for. >> you have a quart million dollars in. debt. I don't give a [ __ ] about I don't. care. No, you are not entitled to this. But our household income covers that. quart million dollar in debt. I'm not. saying it doesn't cuz you're just. keeping it. You're maintaining it. You're replacing it every time. How this. does not make sense.

>> All it all it requires is taking a shift. from doing that maintaining to actually. spending the money on the debt. Like. that's all it takes. >> But you're not you're going to Hawaii. instead. You're getting a house instead. What the are you talking about? You're. doing an over budget wedding instead. Yes, what you say is correct, but you're. not doing it. That's what the next step. is is making it happen. >> It's not the next step. >> So why is the next step you after. Hawaii? Then we're going to make it. happen. That's all it's always after the. next thing. After the next thing I don't. have any plans for October, November, December. >> We'll find them. You're going to.

>> you're going to stick it in. You're. going to have a nice little blow up for. all the holidays. Like we'll travel for. Thanksgiving, we'll travel for. Christmas. We're not doing that. We. didn't do it last year. We didn't do it. last year. We've already cut that travel. out. Oh, >> so the fact that you think that we're. just going to keep doing it, it already. shows a trend there that we aren't going. to do it. >> It's based on a and here we go. Let's. use some YouTube commentary language. Pattern of it's your pattern of history. It's your history, right? >> It's your endless history. >> But everyone's history can is not the. prediction of their future. We can. change our history.

It is the best thing to use for the. prediction of the future, >> but that's not exactly what's going to. happen in the future. >> I mean, we. >> Yeah. And your precious little brain. Sure. And yeah, go get your pasty ass. sunburn. Yeah, that's fine. But this. what happens is most likely this will. continue based on you have consistently. done it without any changes. >> I mean, we do have my family is trying. to do a Disney Alaskan cruise in like to. 2026. So, >> a little bit of honesty. >> We got to budget that in. >> I mean, that's not on our budget at this.

point. So, >> we have the points to get us to Seattle. Uh, that may be true, but that doesn't. mean we need to spend it on like this is. >> but it's it's a it's my first cruise. I've never been on a cruise and I love. Disney and it's my family. >> Yes. And we've talked about it for her. birthday. >> Yes. But that doesn't mean that it fits. into our budget. Like that's that's. where we have to talk about these. decisions that I've been saying. It's. like we have the money to pay off this. debt, but we're constantly paying for. other things going on for it and we're. going to go on the cruise. >> just the same way we paid for the. wedding. >> Yes. When we got engaged, my one rule was.

that she can have as large of a wedding, as big a wedding as she wanted, as long. as it all was paid for in cash. >> And then we're doing Hawaii, and then. we're doing cruise, and then we're doing. whatever happens next. We're having kid, we're having kid number two, we're. having kid number three, we're having. house. Uh, okay. Yeah, the minimum. monthly payment on this is $36741. Yeah. Again, we've purchased $9,141, which is insane. Well, $147 of interest. acred. How long does this take to pay. off if we only make minimum monthly. payments and we don't purchase which. you're incapable of?

>> Six years. >> Only only minimum monthly payments. >> Without purchasing which you're. incapable of? >> Six years. >> Minimum payments about 13 years I'd. imagine. >> Okay. 31. >> So well within our retirement years, >> but just to check, we didn't make the. minimum monthly payment on that. Right. >> Correct. Because you spent. >> more than more than the minimum monthly. payment. >> You spent double what you paid towards. it, >> right? >> Oh my god. But we're paying more than. minimum pay down. >> Okay, ladies and gentlemen, a financial. audit. This is one of the most exciting.

moments in this channel's history. You. know, I've been working on building all. these educational tools, our budgeting. app, all this crazy stuff over this past. year cuz that is where my passion is. We. finally did it and now we put it all. into one program called Dollar Central. You get the premium version of my. budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the. advanced stuff. Collaborated by experts.

with the lowest refund rate in the. industry for a reason. And guess what? If you are struggling or you want to. learn more, or you want to change your. life in any way whatsoever, like literal. tens of thousands of people have done. with our programs, go to dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Dollarise.com. Let's go. Is there a way to communicate.

with him? Like I'm confused on how he's. confused. >> No, he'll just he'll just fight back. You just got to keep going. Got to push. forward. Push the conversation forward. >> I understand what you're saying. >> How do you have disagreements with him? What do you do? Well, we're I'm. >> Do you ever resolve? >> Yes. So, before I used to work in before. I worked in market research, I used to. be in mental health. So, I use a lot of. like my mental health tools. And now.

we're in couples therapy. So, I know, you know, how to maneuver. >> Why are we in couples therapy? >> Communication. >> We have two different communication. styles. I want to address things. head-on. And she wants to take. >> obnoxious and. delusional. I mean, >> better than belittling. >> Well, it could be. >> Yeah. >> If only we uh signed up for it. >> Yeah. >> Well, >> communicating together, though. That's. how we actually get through uh this. budget problem that we have. So, that's. what we're trying to work through when. our communication style is to get on the.

same page. >> How long have we been in this couple's. therapy? >> Like a month. >> Yeah. It's a new thing. Uh. >> she's great though and she she's. completely supportive of us and she. thinks we're doing a great job. So, it. works. >> And the point is to build the foundation. and and. >> is it time to stick it in? But. >> I'm sorry. >> Pop a baby out. Is it time? >> I mean, I'm 37. >> We can't communicate. I know, but if our. communication's rough, >> um, we are So, we're usually able to.

resolve it either way. It may. >> I wouldn't say that, >> but if it was healthy, it wouldn't be. going right. >> But it is that's what it is. We are. healthy. Like, we're trying to make sure. that we're improving it and making it. even better. Like, it's not that we have. unhealthy communication. And it's like. we want someone to help us improve where. our communication is. So, >> I mean, I'm good with therapy. I'm I'm. good with couples therapy. I think. everyone I think every couple should be. in couples therapy regardless of where. they are. And I think everyone should be. in therapy regardless of where they are. >> But there are enableless therapy.

therapists out there and that's what we. want to avoid. I'm not saying you have. that, but that's what a lot of people. get in. >> Yeah. >> Especially like the like latte makers. >> Latte makers. >> Yeah. They get into a lot ofing. enablement therapy and blow up. >> I see what you like the barista. >> The the typical people that come on your. show. >> Yes. Yes. You're so special. >> I mean, we have a lot of different. accounts that we can. >> I've had high income earners before, you. know, like similar scale. >> Yeah.

>> Are they Do they have a quart million. dollars in debt though? >> Probably. I don't remember. We filmed. four a week. >> So, >> three and a half years. >> What's that? What's the math? >> I don't know. I don't care. Oh, okay. >> So, yes, I don't remember every person's. number. Definitely remember faces I. hate. >> Okay. So, what did we spend on here? The. necessities. Well, it was Junior's. comics. It was Space Goblin, Bat City, Bat City, Segeek tickets for $525.

because we get to live, guys. We make. money. her family was in town that week. and so there will always be something no. matter what will always be. >> We bought tickets so that way they we. can all go to the game with them and we. sold our tickets so that we offset the. cost but yeah there's additional cost. >> There will always be something. >> Yes, I chose to take them to the game. instead of them having to pay for it. themselves. Yes, that was always. something is the point. I'm not saying. it's a horrendously evil or bad thing,

but there will always be something. and. learning to say no to the things or the. things that that's going to be the. difference between the 4,000 and the. 9,000 that you. >> guys if I completely change my behavior. now everything will be 100% perfect. Yeah, what a great answer. Fantastic. Like what the doing with that? >> It was the first time they visited. Austin. We wanted to take him to a game. I got them little jerseys. Super cute. >> Oh yes, you went to an Austin FC game. because our city is so great. We only. have one professional sports team. What. a major city we live in. >> It's because college sports has been. more important here. But that's that's. >> Yeah. No other college towns have. professional sports programs. Especially.

when they're the 11th most populated. city in the country. >> We haven't always been the 11th most. populated city in the country, but you. are. >> I haven't always been is what the. statement was. So, >> doesn't matter. We are. >> Subaru Starlink. >> Uh, that was for Pittsburgh as an NFL. team. I don't want to hear. We We. haven't always been the largest. >> What does Subaru Starlink have anything. to do with Pittsburgh? Huh? >> Huh? What does Subaru Starlink have. anything to do with Pittsburgh? >> No, you're right. We haven't always been. the 11th most populated Pittsburgh. But.

they were in the original city, one of. the original uh teams in the NFL. Like, how are you going to. >> Doesn't matter. It's just a citying. size, man. This is ridiculous. It's so. stupid. >> But that's Austin wasn't built up the. same way that the Mid-Atlantic. >> Boring. >> Space Goblin. What is the space goblin. that is popping up every second of our. life? >> So, uh, a hobby that I have is, uh, collecting Pokémon cards. And so, the. junior. >> every financial thing we can do that is. just an absolute mess. >> I I never said it was an investment. All.

right. There's a difference. >> I'm not I'm not what. >> everything I'm saying you have it. I'm. not saying you think it's great. >> But it's just a hobby though. Like I'm. not It's not a It's not an investment. vehicle. Like. >> what did I claim it was an investment. vehicle? >> You said everything you did with. finances. I could be wrong. So many. things. >> You have everything that is Why is he. defensive on just nothing? Like that. wasn't even a thing. I'm just saying he. has every aspect of bad finances. Like. what the are you on, dude? Green Bay, Wisconsin has an NFL team. and they got. 107,000 people in their city.

>> Again, one of the original teams and. they started the the league, so it's not. exactly the same uh comparison, but it's. fine. I get it. You want to find. something that supports your Midwest. lifestyle, makes you feel better about. coming from there. >> Huh. >> Huh. >> Midwest lifestyle. >> Yeah. Yeah. Yeah. You're Pittsburgh, Midwest. You You know, you can't let. them be Mid-Atlantic. They had to be. Midwest. And then now you're bringing up. Green Bay as well. So maybe just being. in Texas has rubbed you the wrong way. You need to go back. No, it's just that. we don't have the amenities that other. large cities have, and it's. disappointing, including aquariums and.

zoos and museums that are world class. >> But can you go hiking 10 months out of. the year in Green Bay, Wisconsin? That's. not exactly. >> Would I be advocating for Green Bay, Wisconsin? >> You just advocated for you said that. they have a better 100,000 people. It's. silly that we don't we do have 100,000. people. >> Why are youing sucking on the balls of. Austin? >> Cuz this is where we live. We should. enjoy the city that we live in. >> The dude finds everything such an attack. against himself. >> I just tune him out sometimes. >> Yes, I can see why. This must be the.

most miserable relationship we've ever. lived in. This is insane. How do we even. have these conversations? What is happening? Like what the. Oh my gosh, man. Just bringing up an. instance where a substantially larger. city has one. It would be cool if we had. one. That's not an attack against you. I. >> I'm just getting uh thrown off when you. injected in the middle of the. conversation about the.

>> Welcome to the show you applied for that. you're a fan of, you dumb [ __ ]. >> Thanks. Happy to be here. >> Okay. Certified trading card. >> Another Pokemon investment. >> Okay. So, we're doing those forever. So, yeah. So, with Pokemons, I'm immediately. seen minimum $450 so far. I'm not. halfway through the statement yet. We. are spending more on this car than we. are putting towards it. >> She's supposed to have a We both have a. $100 fund limit a month and. >> it's already broken and we're not.

halfway through this. >> You mentioned that you were only. spending $100 a month that like from our. joint bank account. I always take the. 100 use my other bank account and that. way I can keep myself in check. You told. me that you had already spent your 100. for the month. I didn't realize you were. spending 400 in Pokemon cards for the. month. >> I went over the limit. I have a bad. habit with instant gratification. And so. I spent. >> Oh, he has a bad habit. So it's okay. that he went behind your back and went.

against his word. He has a bad habit. That's all. >> So he does tell me when he's other. women. It's just a bad habit. He's. injecting heroin. It's just a bad habit. >> Time out. I would never do that to her. and I don't appreciate your. >> example. I don't care. I'll spend things on. whatever the want, but I'm not going to. spend it on other spend. >> You hear that? He'll spend it on. whatever the he wants, >> but I'm not going to do it. I'm going to. >> It's a bad habit. It's a bad habit, so. it doesn't matter. >> Anyhow, I did spend more than I expected. to spend. And that's because I I I got. too excited and got too into the craze.

and the trend and I shouldn't have spent. all that money. And so I am that's why I. told you I'm not spending any more money. on it for at least the next few months. to. >> and it's not like this is another. indication of pattern of behavior cuz. it's not like he ever quit a job and. lied and didn't tell you about it. >> I forgot we told you about that. >> That might have occurred. >> Yeah. Yeah. >> I was working for a big tech company and. they they didn't treat they didn't treat. their employees the way I thought they. should when it comes to return to office.

policy. And Right. Why'd you hide it. from your wife? >> Uh, >> like I don't give a [ __ ] about that. Congratulations. Quit. Tell your wife. >> Uh, because I I didn't want her to. stress out about it. >> What a cope. >> Yeah, it worked out the wrong way. And. so she and. >> Oh, you lied. That that worked out the. wrong way. >> Did you hear how I found out? His boss. called me. He's like, "We haven't heard. from him for 2 days." I'm like, "What do. you mean? He told me he was at the. office and he just came home.". >> I had sent my boss an email. >> What were you doing instead? Were you. pretending to go to work? >> My full-time job. My full-time job. Pretending to go to work. Pretending to. go to work. My full-time job was finding.

a job at that point. So I was applying. for like4 $50 a month 4550 jobs a day at. that point. So. >> goodness, that is crazy. You were. pretending to go to work. Okay, now I. don't feel bad for the cheating analogy. What the is that? That is crazy. What. kind of person hides that kind of their. partner? >> Someone who's someone who's embarrassed. to admit that they're that they're going. to have to switch jobs again. Like. because I switched jobs just a year. before that. So I I I wasn't proud of.

that decision, but I I I am highly. employable. I was able to find another. job within 6 weeks at that point. So. that's what I ended up doing is that I. took the next four to six weeks, interviewed and found another job after. that. So. >> and he did pull his weight around the. house. Like I I didn't have to worry. about like cleaning the house and. >> Well, you better not. He was unemployed. >> Yeah. The the approach was wrong and we. talked hiding some we worked it out. work through it and that's why last. month you spent more than uh you guys. decided was the fun money and then she. only finds out on the show where the.

finances are talked about. >> that she found out the number. I have a. sneaking suspicion she I have a sneaking. suspicion that she knew that I was. spending a little bit more than I should. have. >> I I genuinely thought it was a little. bit more like 150 175. I didn't realize. it was. >> I'm not even halfway through the. statement. Yep. Because let me tell you. uh there's many more Pokémons coming. down this list. >> The vending machines that are near. >> Oh, what's eBay? $83 and eBay $293. >> Uh, those are those are Pokemon cards. >> Okay, Pokemon is now up to 700.

>> It's probably going to be over $1,000. >> What the [ __ ]. >> That's. >> more money that I should have spent. >> Dude, you just got buddied by your wife. She just laid down a buddy. You're in. trouble. >> Well, yeah. That's something that. >> Come on, man. that doesn't help us get to where we. want to go. >> That's disappointing. >> Yeah. Thoughts on that? >> Very disappointing. I'm I'm very. disappointed. Like I've.

>> I I spend the most I spend on is like. Sephora for my skinincare, but I try to. be really diligent about if I don't need. something, I'm not going to spend on it. I don't I haven't bought new clothes. unless I have an event to go to. like we. we use all of my paycheck to pay debt. and then my $100 fund fund and then. everything else goes to his credit card. debt. And it's like I can we can use. that to actually chip away at debt, but. I didn't know that you're spending $200.

on Pokemon. >> Yeah, that's not. what I need to be spending money on. I. >> I'm not spending that much on my hobbies. because I I want to like I want to spend. more on my hobbies on my dance hobbies. and I just don't because I I figure we. don't have the money and it's not it's. not fair that you spend a lot of money. on your hobbies and you tell me like no. it's just it's $100 give or take.

I suck. >> I thought that I could relive some. nostalgia and I got caught up in the. excitement of, you know, reliving things. that I wasn't able to have when I was. younger, but that's not an excuse. And. that. >> Well, certainly sound like one. >> It it it doesn't excuse the behavior. It. is an excuse. Thank you for correcting. my English there. Uh, but that is why. we're over on that card this month. And. it's the reason that we're spending more. than we should have. That I'm spending. more than we should have. >> You know, the Sephora is working. You.

guys both have good skin. >> Thank you. >> Yeah. I thought I thought Mary was like. 31 before you guys told me your age. >> Thank you. >> It's actually working. Usually people. look older on this show. >> You guys look younger. I see the gray. coming. >> Uh it it'll come in strong. It's. >> What's your favorite food? >> Uh probably Thai food. Uh Pan and Curry. >> You know, you know when you guys have a. kid. >> Yeah. >> and we're talking about getting food. >> and he's going to be like, "Let's get. Tai." And the kids can be like, "No, can. we get burgers instead? I like burgers. more." He's going to be like, "No, actually Tai's better." And you know the.

history of Thailand is is a much more. populated country and actually burgers. haven't been around as long. >> They haven't been around as long. So. actually we should get Thai food and. you're actually really wrong. >> It's actually funny cuz that's how I. talk to so I'm making fun of myself. >> I think he'll be a great dad. >> I think we're a perfect match. >> Are you free later? >> Let me be real with you. You can't fix. your finances if you're running on 4. hours of garbage sleep every night. And. I'm not talking about staying up late. grinding. I'm talking about tossing and. turning. overheating, waking up more.

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consider that fun again. Bat City. Door. Dash Curry. Well, >> oh, that Texas Curry place. That wasn't. very good. >> Texas Curry. Best Buy. We spent Well, that was only eight bucks. eBay, more. Pokemons, 72 bucks there. Dick Sporting. Goods. Best Buy 139. Bat City again 146. Best city. Is that. >> game shop? No, it's a game shop. Collectibles, >> dude. Okay, so we're at le easily at. like 800 900 for that. GameStop, Dunkin.

Donuts, Pokemon, Pokemon, Pokemon, Pokemon, Great Outdoors. There's $103. for. >> Great Outdoors is a a We bought a Fus. plant or was a fiddle fig. >> Thrilled. It was totally fitting in the. budget. >> Okay. All of a sudden like guys, it was. a plant so it's okay. >> Well, it's our dogs. It was necessary. for. >> Yeah, we we put it in a big pot and put. the pot in front of the window. And. >> curtains are cheaper. >> He'll tear them up. >> It also blocks all the natural light.

$103. for eBay. So, there's that. Door Dash. Donut. Great. So, that was $9,141. spent. That is insane. And then City. Limit Subaru 2773. >> That was a new car that we bought. >> That's a down payment for the. >> on a credit card that is growing. interest that we cannot pay off. Well. done, guys. You really are unique. You. really are special. >> But we paid more cash. >> out of our savings. >> That was one card. I'm going to die. Okay. So. >> Mhm. >> What's going on with this?

>> Uh. >> at a 19% interest rate of death. What is. this? >> Is that the first one or the second one? What's the balance on that? >> How the I know what order. Uh the. balance is. >> 23. >> $23,44.3. Uh so we took that uh it was a debt. consolidation loan that we took out uh. back early in our in our relationship. Uh the whole goal was to consolidate all. of her debt under my name as well as. consolidate some of the debt that I had. from the divorce that I had gone.

through. >> Why just your name specifically? >> I got the debt off of her account, off. of her name, so that way her credit. score would be high in case we needed to. do any spending. >> My debt was lower overall. >> And now. >> it's still low. She still doesn't have. any debt under her name. So all you. Yeah, it's all in me. >> Jeez, for sake. Okay. >> But she has a 800 plus credit score, I. think. >> Yeah. Yeah. >> I'm very I'm very responsible with my. finances. >> Well, how do you feel to be attached to. this? >> It's stressful sometimes. >> $23,044.

at an 18.83% interest rate with a. minimum monthly payment of $623.67. That's insane. >> Yeah, it's stressful. But did you think. you didn't think of the counter. argument? What about Pokemon though? I. mean that wasn't that was not a thing. It's only in the last like two months. >> No, it just not something in thoughts. whenever we took out this loan. That's. all. >> I'm just talking about how she's. impacted. She said it's stressful. All. these finances are stressful. Yet you're. going out there and blowing on Pokemon.

The are we doing selfish? Especially when you agreed on what the. fun money spent and you spent minimum 10. times that on Pokemon alone. 10 times what you guys agreed to be the. fun spending. >> I I I tend to indulge more than I. should. >> You tend to go behind your word in what. you agree on from your wife. >> The stress. there's another there's this selfies. $72,222. What the is this?

>> That's another debt consolidation loan. >> Oh sake, guys. Why? >> That was the recent one. It was. >> recent. So we had to do it again. Yeah. >> Whose debt did we consolidate? >> It was our debt that cover. >> So you had debt. >> Well, a lot of these expenditures. >> very little debt. Not too much. >> When was this? >> Uh around the wedding May or June of. this year. The costs that were on that was. consolidated here was like travel to be.

able to go do planning in in Waka for. the wedding and going and traveling to. see her family and going to Disneyland. and traveling to see my family. Uh. >> yeah, let's take out a 13% personal loan. for traveling. at $70,000. I'm going to dump. >> We took out the loan so that way we. could lower the interest rate. We'd. already spent the money poorly. Doesn't. matter because then you're. >> spend the money poorly on 25% interest. and then this one lowers the interest. rate here.

>> Okay. Then what. did you consolidate the uh Navy Federal. on this? >> Uh no, the Navy Federal was not. consolidated on that. >> The Navy Federal was not consolidated. >> No, we consolidated an AMX card and a. Southwest Chase card on that. >> MX card, Southwest Chase card. >> Okay. Uh was it the Skylands? >> Sky Miles. Yeah. >> Still spending on that. And what was the. other one? Uh, Southwest. Chase for myself priority. >> I see a balance of,647 coming up on a. Southwest card. So great. Worked really.

well. Okay, we have a minimum monthly. payment. This is crazy. $1,335.37. This is crazy. Did you just moan at me? >> No, I just had to drink some water. >> Boost that audio. >> What? I'm not moaning at you. >> Does he do that every time? >> He makes little bear noises. Yeah, >> that wasn't a bear. That was aing. orgasm. >> No, he'll be eating and he'll get really. into something. He'll be like m and.

he'll like do a little moan. Yeah, he. just makes bear noises. That's what he. does. It's It's sweet. It's endearing. >> Apparently, I moan at people. Good to. know. I'll keep an eye out for that or. an ear out for that in the future. >> Okay. Um, so this is crazy. And this was. just taken out. This is going to take. forever to pay off. I. >> mean, $70,000 $2,000 a month. Yeah. Roughly about 35 36 months. >> Like minimum payment, but if we pay. more. >> Sure. >> Well, no. Minimum's 13. >> Yeah.

>> And. >> we'll pay more. >> I hope so. I certainly hope so. I mean, you guys, again, he spent $8,000 on. [ __ ] fun on one card. >> 9,000. Sorry. >> He got called out. Hopefully, he knows. now. >> I hope it wasn't 9,000, too. But yeah, we spent more than we should have on. that card. Uh, and this is all part of. our plan. Like we'll pick. >> Glad you have a plan. I just wish you. did any of it. And then again, this is. why it does like it's no point. No point. of me listening to it. Okay. Community. >> It's a little bear noise. >> Did I do it again?

>> Yeah. >> Why do you call that a bear noise? It's. >> No, I'm not even kidding. Boosted. That's I'm not even kidding. How's that. a bear noise? >> I don't know. It's probably a little. bear. I I think it's like I tend to take. deep breaths to like and then release my. stress. So maybe that's what's being. caught is whenever I breathe out after. taking a deep breath like. >> I don't know. >> I just I link it all under bare noise. >> Okay. What's up with this Visa Community. First Platinum Rewards card? Uh I think. so that's a card that hadn't been used.

in a long time and we started using it. to kind of all of the honeymoon costs. that we're going to have so that way I. can keep of all the costs that are. related to the honeymoon. >> Oh yeah, great. Now minimum payments. alone are going to be 15 years if you do. minimum monthly payments. No purchasing. which something will always pop up. Minimum monthly payment only $44 which. is that's why it takes forever. balance. is $2,18527. >> We could pay that off in a month.

>> Yeah, certainly if you do not purchase. Yes, you can. You just always purchase. So that's why again that statement means. nothing to me. Like you don't get to say. that if you have not been doing it, >> but we've been. >> I could say a lot of things that I'm. going to do. >> We've been making that much in payment. on debt. >> Yeah, I hear you. >> You understand the difference of when. you then go build it back up again. Oh. my, I'm going to die. Okay, eBay 132. Hey, guess what? More Pokemon. >> We. >> More Pokemon on your honeymoon card. He's But he's using it to track it,

lady. He's using it to track it. >> I don't know what you want me to say to. that, Caleb. Look, >> I don't know. I'm just telling you cuz. you probably didn't know. >> I No, I didn't know. But we spend on. every one of our cards to keep it. rotating to help our credit score. >> Charters. What is this charter? >> Yeah, that doesn't mean the boat. >> Yeah, that's the. >> That's a boat tour in Hawaii. An. activity market. I think that's. >> Equaabased company. >> I don't know what all those are. >> I'm not sure off the top of my head. >> That's great. Acquisition Ace.

>> Oh, that's a um we were I'm think we. were talking about uh getting into. business acquisition as a as a way for. her to do something different with her. career. >> Oh, but he's using this to track his. spending on the honeymoon. >> So, business acquisition. >> She knew about that. I told you that. twice. I told her about that. She knows. about that. It's not the purchase alone. You say you're using this credit card. for the honeymoon stuff to traffic track. it. But it's it's all other stuff except. for one. And then Target 54. And then. hey, guess what? Another $139 of.

Pokemons. >> This we're at about 1300 of Pokemons so. far this month. >> This month? >> Well, what the month we're reviewing. over the course of July and August. All. these align don't align the same way but. >> 1300 that could go towards debt could go. towards whatever you guys want. >> You doing well. So let's let's take a. look more into these analytics. >> It is a lot of money and I I've already.

like. >> I acknowledge it. I told you about it. Yes, I wasn't honest about the full. dollar amount, but it's something that. I'm not happy about. It's something that. I'm embarrassed about. It's something. that has to not be spent anymore. >> Why didn't you tell me it was that much? because I'm embarrassed about it. I. don't have a better answer for you. >> But that's what he says every time he. does something he doesn't tell you. And. that's what he'll say every time he does. something he doesn't tell you. Cuz that. was his excuse for the cigarettes. That. was his excuse for the for the quitting. the job. That's his excuse for the. Pokemons. So next time he does. something, he'll just be embarrassed. So. that's why he won't tell you.

>> I It doesn't excuse the behavior. But. it's shame and guilt and embarrassment. >> I think he'll learn. It's not three. strikes. Okay, great. Yeah, that's what. that's what this is going to be really. productive. >> Marriage is on three strikes. No, it's. not. >> You don't know, Caleb. You've been. You've been single for the majority of. your life. >> How long have you guys been dating? >> 5 years. >> Over 5 years. >> Okay. That's not the majority of your. life, you dumb. But either way, >> no. Your life. No, no, no. >> I know. But if we're going to use the. same thing, it's like that's not the. majority of your life, >> right? But we waited until we were in a.

good spot in our own lives. Yeah. To to start like dating seriously. Yeah. Yeah. I before him, I only had. like one serious boyfriend. Then you. cannot use that exc. >> No, I can absolutely say that. What do. you mean? >> Because the exact Okay, that doesn't. matter. >> Marriage is not three strikes. >> No, and it doesn't have to be. I'm not. saying that. But you're just using that. Oh, he'll learn after he continues to do. this. >> Well, he'll learn. So productive. It's.

going to go so well. What is this? Soft. parenting your husband. >> That's turned out well for an entire. generation. Yeah, give him an iPad. >> Yeah, give him an iPad. It's going to go. really well. >> Okay. Well, I don't I don't know. >> I have to fix my behavior. Like I I know. that doesn't like change anything and. whatnot, but. >> I'll give you some cocoa lemon and. you'll you'll wind down. >> I don't think he understands. >> I don't know what cocoa lemon is, so I. have no idea. >> Okay. Are you going to be a stay home. mom when you have a kid? >> I would love to, honestly.

>> Okay. So, that's going to immediately. eat uh big chunk. I don't I don't think. I'm going because I don't think we are. in a financial spot to do it which is. why we were looking at that like. >> what is it business acquiring thing. where. >> and what is that going to do? You're. going to spend money to acquire a. business and then do what. >> and then. >> and then she'll be the main operator. That'll be her job instead of her. working. >> working remote as a main operator. >> No, it could be something local. It it. depends what kind of business you. acquire. >> Have you guys ever ran a business? >> My mom did. >> I ran a business.

>> We can use this for the long-term. relationship excuse. Have you guys ever. ran a business? >> No. Okay. >> I've run my own consulting firm before. >> and. >> and I didn't enjoy doing that work on my. own. So I. >> I was going to say you're certainly not. doing it now. So I don't think it worked. out very well. >> Yeah. I chose not to continue doing it. Yes, that's correct. >> Uh-huh. How long did you do it? >> I did it for about 8 months. >> How much did Okay. I think you think. that's going to be a lot easier than it. really is going to be. >> Maybe I mean I remember my mom working. like. >> What is it? Acquisition.com Hermosy's.

thing. No, it's. >> acquisition accep is something. different. Yeah. Uh but heard of it kind. of it it's. >> What are you guys going to spend on a. business? >> No more. >> million dollar in debt. What are you. going to spend on a business? >> Like no more than $300,000 is what we. said, right? >> No, we we would we would get a SBA loan. uh and then work with somebody to. hopefully find someone with some sellers. financing as well. Uh would be the goal. But that's why it was something just to. look into and learn about what that. >> and then we're also getting a mortgage.

and then it's just like, oh, we're about. to be a million dollars into debt before. we know it. >> But there's just one potential avenue to. look into and educate ourselves on. Like. I think spending a couple hundred. dollars to educate yourself about what. options are out there for you to change. careers isn't a isn't an unwise. >> Yeah. But no, no. It's an unwise move if. if the entire town is to keep her at. home and you think this is the way to do. it. Like that concerns me because I. think you think it's gonna be easier. >> Well, I'm not saying it's gonna be. easier, but her being a stay at home mom. and her being a business operator aren't.

necessarily like they aren't like the. same thing. Like. >> Yeah. I I would see my mom work like 14. hours a day to run her small business in. uh our hometown. I don't want to do. that, but I don't mind like overseeing. businesses that we already own and like. hiring managers, hiring other people to. help run it. And then I'm. >> Good luck. Let me know how it goes. Target. Target. Oh, here we go. Guess. what? These are these next numbers I'm. going to read are all Pokemons that I. did not see yet. $54 $54 $324.

$61 $102 $107. So we are. uh,700,800. in Pokemons. >> Are you serious? >> Oh yes. >> Oh yes he is. Tim, >> I I have no words. I It's. >> Dude, that's not okay. That That's like. an unlimited year-long pass to my hobby.

>> Do you want an unlimited year-long pass. to your hobby? >> I mean, we can't afford it. That's what. I've been telling myself. >> I can't spend that. I I need to spend. less. I'm concerned about the and maybe. your therapist can work on this where. it's like I think your version of. resolving conversations is we're not uh. we're no longer talking about it instead. of actually achieving a productive. ending because every time something.

comes up it's dude that's not okay he's. like yeah it's not okay and then the. conversation's ended which means it ne. we never fix this in the future it just. happens again and then you're like dude. that's not okay and he's like you're. right that's not okay and then it. happens again then it happens again. It's like, what the. >> I mean, I take his word that he's. >> he's broken his word many, many times. here. Come on. Why are you taking his. word? >> I mean, I didn't realize. >> you love him. That doesn't mean he's the. most trustworthy person. >> I didn't realize the Pokemon was as bad. as it is. I knew I knew it was a little.

out of hand, but I'm like I said, it was. I thought it was 50 $75 out of hand, not. thousands. I. there's there's a a I'd say there's. probably a bit of a a a gambling. addiction element to this like because. that's the whole fun of it, right? Like. you you you get buy them, you open the. packs and hopefully you get something. big. And I. >> is he is he throwing out the word. addiction for uh cope and sympathy or is. there something real with this? Cuz with. him I think he's really good with his. word. I think he is very good at.

manipulating. never I don't think it's. ever been diagnosed, but he has told me. from day one he has an addictive. personality and I believe it and I see. it and I also think it's a little bit of. ADHD brain. So, not necessarily tism, but definitely neurode divergent. >> There is tism. Oh. >> Uh. >> yeah, I don't I don't deny that in the. slightest. >> But he will he will go ham into a new. hobby or topic of interest and he'll. just go go for like a couple of months. and then he'll just dip. >> Me too. I'm that same person. I'm that.

same person. Let's Someone typed. addictive personality as a copout for. bad behavior. Maybe. I mean, I would. define myself as addictive personality, too. So, I don't necessarily agree with. Well, it's not a You might be using it. as a copout, but I have that similar. thing. You know, we're both similar. We're both with our words. We're both. combative for no reason. And we're both. probably and we're both, you know, money. obsessed and we're number obsessed. And. we get addicted personalities and in. hobbies. We get that. However,

um, buddy, first of all, I'm 7 years. younger and I have figured out that, uh-oh, maybe I shouldn't do this hobby. right now because I will fall into it. and it will be 100% my life and I will. blow all the money to do it. I tell. myself that. I moderate myself. Because. if you're able to tell yourself you're. an addictive personality, you know then. not what not to do. Because you can no. longer self-admit that you're an. addictive personality but then just give. into it because that's not how it works. If you're willing to accept it, then you.

going then you're just going down that. addictive train on whatever the next. thing is is you're just not giving a So. obviously this card's not great. Spending not even close. 17% interest. Okay. Best Buy. What's going on with. this? Oh, good. We spent $1,686. Like, hey, how do we spend more than we. put on cards? Hey, but I I put more on. cards. There's like it's nothing. >> That was a purchase for my nibbling. because they're going to college in the. fall. >> What the [ __ ]. >> It's the genderneutral term for niece or. nephew is what I've been told. >> Nibbling. >> Nibbling.

>> So, I helped them purchase a laptop for. their um for their fish conservation uh. degree that they're working on uh. starting this fall. I have a question, audience. I have a. very gay LGBT gay man to my right named. Colton. Hi, Colton. Nibbling's kind of, isn't it? >> Look what he told me. I had no clue it. existed. >> Okay, good. That That's the dumbest.

thing I've ever heard in my life. >> I don't disagree. I'm just using the. words that I've been taught by my. younger generation uh in trying. >> Maybe not everything needs to be. respected. They they needed a laptop for uh for. school. Uh their department recommended. a certain level of specs when it came to. a laptop. Uh I worked with uh. >> What major are they going into? >> Fish conservation. >> Okay. So when they make me my they them. latte, it'll taste incredible and I will.

be very happy. And I don't think they. needed a laptop for that. >> For them to be able to run models to be. able to. >> Also, by the way, why is it you doing it. for a nibbling? like why aren't their. parenting doing it for their own uh. child bling? >> So my I so I have a very close. relationship with my sister and her. kids. Uh I live with them for a few. years and so I. >> So it's still their kid. >> that it is and I I decided that I wanted. to help out like I wanted to help them. be able. >> even though you're completely.

financially that's smart. Well, yeah, that's true. And so I chose to help them. instead of prioritizing my uh financial. goals. But I I remember going to college. and being given all uh for my technology. needs. Uh and I just didn't want them to. have to go through the same struggles. that I did. So. >> he has a very big heart. So that's why. he offered. But I I did insist at the. very least that he ask his sister to. contribute some because he was about to. just buy it flat out. And I'm like, "No, no, no. Let's put in let's set those.

boundaries and let's see how much your. sister can can. >> I have a boundary. That boundary is you. paying your payments on time and you've. had a late fee this year on this card. >> I have. >> Yep. >> No, >> not that I'm aware of, but. >> Well, now you're aware. >> How much was the late fee? >> 30 bucks. >> Okay. >> Which is the standard late fee. It's. usually 30 to 35 depending on the card. >> Genuinely surprised on your credit. I uh. I I I highly dou It didn't probably hit. as a missed payment, which is what would.

hit the credit. Late fee is more that. he's just giving the bank more money. >> If it was late for a long time, it would. be a mispayment that would [ __ ] his. credit. >> Okay. Okay. >> So, that's not our worry. But the worry. is one disorganization indicative for. the future. Two, he didn't evening know. it until I'm saying it now. And three, it's costing him more money. It's. costing you guys more money. It just. means paying off the debt slower and. slower. You ever try hiring someone? It's like online dating, but instead of. getting ghosted after the first date, you're ghosted after reviewing 300 RS. You post the job, then sit back and wait.

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Ziprecruiter, the smartest way to hire. Um, listen, I mean, >> I I recommend for people like you, again, it's like something like the Fizz. card, debit card that builds credit. Like, that's fine. And you guys don't. need it for your career. So, uh, gift it. to [ __ ] uh, Nibbles. Mr. Mr. Mrs. Mrs. I can't say. that either. >> I always put Mr. Ms before things. Okay, so we have Southwest Rapids reward card. This is one that we consolidated at some. point.

>> It's probably yours. >> Yes. >> Great. All right. Well, we purchased,723. after payment and stuff. A little back. payment. We got $1,647.64. cents owed on it with a $40 payment. $153 of $159 of fees were added. Cash. advance $154. >> Uh the fee that if it's a cash advance. fee, then that means it probably was. used to pay a vendor for the. >> Why are you doing that on this card that.

would have this? because you've had $337. of fees this year so far on this card. That's $337. That is not an. insignificant amount of dollars. Also, $1,367 of interest this year so far. >> When we had to make payments, when we. had to finish making payments to vendors. in Waka, we had to do that through Wise. app and that's where all of the and like. so those are money transfers and so they. end up being. >> Why not on your checking instead of a. credit card where you're getting one of. the obliterated? >> This is one of the costs that went over. that we didn't have the cash for at the.

time. Don't do it. It's as easy as that. He also has Chad GBT on here. What's the. Cane Center? >> The Cane Center. >> Oh, the K9 Center. >> We're training for our dogs. >> Training, training, training, training, training, training. Austin FC again, $1,229. >> We're season holders. Season pass. >> holders. Dude, come on. As a guy myself, I mean, here's the thing. One, not that. great. Is this the season we're getting. season tickets to? I wouldn't say so. >> And no, this is your annual membership.

fee, this one. But we've had $337 of. fees this year. Oh, and there's the. transaction fee as well. >> Yeah. So, I mean, most of the charges on. that card are just for the K9 center. Uh. we send our dogs there weekly for tutor. and and recess, just a little like doggy. daycare and. >> work if we have to buy a plant just for. them to not destroy the house. >> It's working. It's He's gotten so much. better. He's He was super reactive and. now he's like getting better about. walking and he listens and. >> PayPal credit. Well, what's going on. with this? Uh, PayPal was one of the.

accounts that was consolidated on the. second consolidation loan. It's really. just like a a catch-all account for. online. >> $949.87. with a minimum monthly payment of $30. 5. years to pay this off. Got Apple bill. Apple bill. One was $359. Who knows that. is Oh, good. Here comes another hobby. PlayStation dice legend. >> Oh, that's just dice for my D and D. group. >> Great. Let's pick up of 10th hobby that.

cost a ton of money. Love Alchemy. Great. Domino's. Ultimate Guitar Gear. I'm not sure. Apple bill. >> Yeah, Ultimate Guitar is an app for tabs. and stuff like that. >> YouTube TV maybe. And Patreon. membership. >> Uh YouTube TV. Yeah. And then. >> $61 on Patreon. What the [ __ ]. >> What do you have a Patreon for? >> $61 too. >> It's for uh. >> Oh, Dan Carlin. >> Yeah. For who? >> Yeah. Dan Carlin. Hardcore History. >> How much content does he put out in his. exclusive membership? >> Oh my god. He puts out like one every.

other year. >> And we do three premium shows posted. every single day for Hammer Elite, which. is literally uh a sixth of that cost. Three premium shows posted every day, Monday through Friday. That's wonderful. What a use of money. $30.39. I mean, I. appreciate supporting a creator. You. can't afford it, don't do it now. >> Amazon Chase card. >> That's mine. >> That's yours. >> Oh, crazy. That's mine. But I I am not. the Amazon spender. >> Who is? >> Well, we both buy things on Amazon. It's.

not just me that. >> No, I don't frequently buy I'm I'm one. that like if I need something, I'll go. buy it at the store. I'll go physically. buy it at the store unless. >> $10 11 $25 10 months to pay off. Okay, it's all Amazon. There's also Animal. Draft House, Prime Video. Prime Video. Pool Burger. It's not even all Amazon. Of course, interest this year so far. We. don't always pay it off. Pull. Someone. pull up the Amazon. I don't have the app, but I can pull it. up. >> Whoever has the app. Guitar pick. Yeah, he will spend unlimited money on all his.

things. Sour strawberry sugar-free. chewing gum. >> That was replaced my vape. >> Crazy. Okay, that's good. Secret Hitler. I mean, it's fun, but you don't have. money. >> It's the game that we played when we. met. The day that we met, he came over. to play secret. >> Nostalgic purchase. Don't die. We We. enjoy playing board gaming. We enjoy. playing board games. >> Well, that's not a two person game. No, but our friends enjoy it, too. So, >> we enjoy hosting, having friends over, too. >> It's free if they come over and play. >> Quick silver. What's going on with this.

card? >> That's me. >> I pay it off every month down to zero on. time. >> No interest is acred this year. Okay. Yeah, I'll I'll cross that off. Okay. But it was still $414 of purchases. I. could have gone with paying off that. And it's Marshalls. It's Almo Draft. House. It's Fetty. And it's Fetty. >> I think I get points for ride shares. So, >> wonderful. Great. We're spending money. we don't have. I'm thrilled. Southwest. Rapid Rewards. >> That's mine also. >> Total fees. Is that a Is there an annual. fee on this one? >> I don't know. >> Or is that too late fees? I don't know.

70 bucks of fees this year. >> Probably annual. I can check. >> We'll see. I don't know. Every single. credit card. >> It shouldn't be a late fee. I've never. been late on any of my. >> You didn't think he was either. I won't. write it down cuz they got no interest. acrewed this year. By the way, yours. that sometimes get paid off have had. interest this year. So, I'm putting down. the balances. By the way, Taco More, Uber Eats, Hulu, Hobos restaurant, East. African restaurant, Paramount Theater, Spotify, Netflix, Line Hotel restaurant. It's just it's just eating and going out.

and blowing money constantly. You guys. live such an insane lifestyle. >> We just go out and have a good time. >> That is his first day. You did not have. to tell me. >> Sometimes we're really tired and we. don't want to cook and we Yeah, yeah, a. little boohoo. Yeah, we're. >> meal prep. You tit. >> We No. I like fresh food and I don't. like leftovers more than like 2 days. >> I don't care what you like. I'm talking. about paying off debt. You What are we. doing? >> I don't know what those charges are.

>> Mythical store. Like GMM. >> Oh, yeah. Yeah. Yeah. Good. Mythical. warning. >> Hey, listen. They're doing very well. You're dying in debt. What are we doing? Almo, Draft House, Domino's, Liquor. Store, Dash Pash, Ladybird Society, Ladybird Society. That's yogurt. yoga. lock combine summer moon coffee Alamo. and Space Goblin again. So there we go. Add 1516 to the to the Pokemon. A lot of interest has accured this year. so far. So but this is $32 and then this.

is paid off. So what the what are we. doing? What are we doing? This is just. soing moronic. Did you find out was it. an annual fee? >> No, >> it was late fees. >> No, I don't know. I just. >> It was late fees. >> No, I don't No, I don't. >> If it's not annual, then it probably. was. >> I don't think it's an annual fee. It's. probably too late fees. You said $70, $35 a piece. >> I think it's too late fees. >> No, there's no way I pay that off. I. mean, I don't Here's the thing. I don't. know how to find it. >> What's the card specifically? What's the. card? >> Southwest Rapid Rewards.

>> Um, >> Southwest Plus. >> I'm looking it up for you. Nope. Does not have an annual fee. Oh, wait, wait. Rapid Rewards. Not the. Southwest Rapid Rewards credit cards. there. Wait. Oh, there is an annual fee. None of the current consumer business. are fee free. Okay, this doesn't matter. Okay, here we go. Discover card. What's. the balance on this? Cuz I don't see you. didn't send real statement. Yeah, >> probably zero. I I pay off all my cards. down to zero. >> I hope so. Sephora, Amy's ice cream, El. Poo Rico, going in and getting some BS.

from the gas station. Golden Corral. Amy's ice cream. Golden Corral. >> I have Yeah, we gave in to a craving. there. I think that's the first time. either. >> There's so much good mac and cheese here. and you went to Golden Corral. Very. disappointing. Yeah, we're never going. back. I just learned mac and cheese, mashed potatoes, and a dinner roll. >> The mac and cheese pizza from Cece's is. better. >> A lot of these cards that have like. small balances on them come from like. she has a belief where she needs to use. those cards every month so that way they. don't get locked up. >> This Wells Fargo card was paid off as. well, but it doesn't even make sense cuz.

it accured 87.70. of interest this last month cuz you. didn't pay it off in time. >> That was that was our bad. Um, we we. used that to buy our wedding bands and. our plan was to take advantage of the no. interest and pay it all off. And I. forgot when the no interest was going to. end. So, the interest hit and then we. paid it all off. >> Okay, here's our Outback. And I mean, again, without everything else, you. could afford this $43,900 car loan. What. is it, a 1.9% interest rate? >> Yes, it is. >> That's good. I do like that. And again,

the car is not ridiculous for your guys'. income situation. Let's just combine it. with everything else that it might be. >> Yeah. The the 1.9 interest rate is what. made us decide to actually pull the. trigger on the purchase. Uh. >> I really got you. >> We. >> $43,900.84. What's the I needed a new car. What was. going on? >> Well, we we did try to do we tried to be. a one car household that that wasn't. working. He did find like a little. beater for $2,000. >> Oh, I wouldn't.

It just got me from A to B. It was the. only purpose of it. Uh but it wasn't. sustainable. >> I know. Usually a $2,000 hour car. though, A2B is still going to cost money. to keep it going. You know, >> uh it cost me $1,000 to buy and then. I've spent $600 on like just like brakes. and and. >> proof that it can happen, guys. >> Even still today. >> But then our available if anybody wants. >> usually do like 5,000 for beers when. recommended these days. >> Our dog chewed up the deed, though, so. it's not just sitting. Oh, that's fine.

>> I had to go get two titles. It takes you. just mail in. >> The the title is in New Jersey, though, so. >> Oh, I don't know about that. Okay. >> Yeah. And it's also not titled to the. guy I bought it from. It's titled to the. guy that he bought it from. So, it's in. a bunch of pieces and I have a sale. contract. It's a whole thing. And it's. not something I look forward to sorting. out. >> Okay. Here's Department of Education who. has 53,927. >> That might be me. >> Insane. >> What degree did you get? >> Psychology, bachelor's. >> 12. Okay. What's your minimum monthly.

>> of payment? >> Right now, she's not making any payments. on anything. >> Why? >> Uh, so before CO, I'm going to make this. as short as possible. Before CO, I was. working in mental health. So, it was one. of those like we can hold off your. payments and if you work here for 10. years, we'll pay off your your. >> loans, which obviously didn't. So, >> well, and then COVID hit and uh I think. Biden stopped all college payments um. college payments. They were deferred and. then I got out of it and they just. haven't started back up. I check it.

every month. >> They're still in deferment until. November 30th. >> Yeah. Just now. >> And then you're going to pay. >> Mhm. >> Okay. Your minimum payment is going to. be likely about 600 bucks. >> So much. That's so much money. >> You borrowed it. Okay. Is this. >> I think it's all part of hers still. >> All part of hers. >> Is this yours or hers? Still. >> I don't know. >> I'm not sure. You can't get a statement. from them. So, it's only like. screenshots. Okay. Yours. probably at. >> 43,000 or so. >> Okay. Do you have a minimum yet? >> Uh I've been paying roughly $86. No,

about $1,000 a month. >> That's not your minimum. >> I don't have a minimum yet. No, it has. been. It was. >> I wouldn't do more than the minimum for. your student. Well, you have high. interest debt. That doesn't make any. sense to me. Your minimum is likely. going to be about 500 bucks. >> It's more than that. It was 860 last. time I had. >> Okay, we'll do 860 then. I wouldn't put. more to it than that, though. >> And I think this is a different loan. That should be a different loan. >> What is that? That's my second loan. That's my state loan. >> What do you owe on that total? >> Like 3,000. >> Okay. What's your minimum there?

>> 165 a month. >> Okay. This is insane. Ally 262. >> That's our checking and savings account. >> Such a low balance for your guys'. income. It's so dangerous. Wine. levy to Austin FC. Great. Uh. Austin FC or Austin FC I think. And. Wonderlust Wine again. They're just. spending so much on bull. What is Levy? Is that. >> That's the vendor at the stadium. Okay. >> So when you buy something at the. stadium, that's what they. >> Austin FC, Austin FC, Central Machine.

Works, Los Dant Donszantes. >> Los Dantes. >> Oh, it's a really It's like the best. birya in Austin. >> Best what? BDS. >> birya. Birya. >> What did you just call me? >> A birya. A birya. It's like a It's a. Mexican like stewed pork and they give. you a little cons on the side. >> I love stew when it's 100° outside. Hop. squad Brewing. Go fund me. What the. >> That was for the uh. >> fund youring future kid, dude.

>> It was for the kid. You You donated to a. kid. >> Oh. Uh. >> you guys have no ability to not spend. >> He just became an orphan. >> Sucks for him. I'm sorry. No, I'm. kidding. >> No, that is really hard. But again, you. know how much money you could give in. the history of your lives if you got out. of debt, had a fully funed emergency. fund, low risk over your head, you could. allocate so much money to giving on a. monthly basis. You doing little giving, lots of fun, is preventing you from. giving more. You could find an orphan in. a few years if you actually buckle down.

and pay this off and you could give them. a incredible lump sum of money. It's. awesome. >> But you're preventing from getting. yourself there to actually help more. people. >> Well, that's what we're working on. No, you're not. Zeling out $125. Z $250 $258. $86 no Junior's Comics. Great. Target, Ladybird Society, selling. on Money, Chick-fil-A, uh some restaurant on South Lamar, Uber. Eats, Uber Eats, Starbucks. Do you guys. not eat out ever?

>> Yes, we sense when. >> we Well, we go and get groceries from. the farmers market and then we cook at. home. >> whenever. we have energy. I that doesn't that math. is not working. Getting some bevies, Eagle Farm restaurant, Malaka Creations, Animal Draft House, Austin Wild Flowers, Shark Tail Creek, Addiction, Stoke, >> Yappa, Artisan, Empiñatas. >> Those are all vendors from the farmers. market. >> That's wonderful. Great. You spent a ton.

of money at the Venice Market when. you're supposed to get groceries. Um, I. mean, I know empanadas were not. groceries. I know for a fact. Okay. PayPal now $269. La Mexicana Venmo out. $100. Uber Eats Venmo out $50. >> That's That's part of working out. >> Ven out $120. What are you working out. every What the You're out. >> I have a trainer. I have a trainer who. comes and trains me. >> Venom out $50. Venom out $250. Ninja. sketch. You might not be able to afford. it. You are going to have to choose what.

you guys want and what you don't want. Cuz right now we have about 15 things. we're paying for endlessly just. reoccurring forever. You are going to. need to make some sacrifices. Ven out 50. ATM withdraw especially if you get this. is not a good market. >> For what? >> For what? >> Tech right now. I don't know what you're. in specifically. >> Oh, I'm I mean I I hear that but I I'm. my my skill set is in need regardless. >> What is it? >> I work in data management and data. analytics. >> Mhm.

>> Uh Bleep it. Bleep it. What company? So I work I work as I work as the data. >> he's in a more resistant recession. resistant but not recession proof. They. are still it is the second highest. sector of layoffs this year so far and. the only one that's higher than that is. federal government because the new. administration came in and cut a lot. So. you're in the private sector you are by. far in the highest laid off sector. I. just wouldn't want to think we're. completely immune. I agree you're more. resistant not immune. >> I agree that no one I think no one's.

immune right. Uh, but. >> especially in your sector right now. >> Yeah. I I'm part of a leadership team. that's trying to overhaul the business. in the way that it works. So, >> I hope that works. Leaders get cut all. the time too though. >> Sure. And I think that we need to have a. plan for if that were to occur. >> I know. But imagine if that occurred. You're the big chunk of the household. What? Like three4s of the income. And. look at this situation. What would we. do? Uh, okay. Anti $33. >> Sure. Tail Creek, Rar Righteous Greens,

Better Day Garden, Wolf Dog Treats, >> Farmers Market. >> Yeah, I recognize some of these. Is this. the Mueller one? >> Uh, Sunset Valley. >> No, you should go to the Mueller one. It's nicer. Enterprises, Texas Food. Ranch, Michaela Creations, Simple. Promise, Regels, Rachel's Regels, Dome. Mama, >> BC FM, Sourdough, >> Big Brazo, Stoke, >> HiFi. waxing. All right. Well, I know you guys.

are working to get a baby, huh? >> Hi-fi waxing. >> Going in nice and clean. >> Yeah, you're waxing crescent. >> Yeah, >> my eyebrows. >> Oh, >> yeah. Is that for the wedding? >> Yeah. >> Yeah. >> Venmo. Venmo. PayPal. Venmo. Los Danzantes. Los Danzantes. Los. Wendy's. American. The American. Statesman. He p He pays for the. declining paper. American. >> Pay for it. No, she insists on paying. for it. >> Oh, I need to cancel that. >> You need to cancel that.

>> I've said that for months. >> They don't really do much. Ladybirds. No, actually, they're fine. Actually, techn I I am subscribed to them. I'll be. honest. You guys just can't afford it. I. was me them for no reason. High fivei. short tail creations. out money. Venuing out money. Levi. Austin FC. Hop Squad Brewing going in some BS. Elmo. Draft House Taco Deli and Google Fiber. Google Fiber is fine. That's internet. But this is crazy. $9 in this Alli. savings account. That's wonderful. Uh.

okay. Checking and see. Well, no. Checking in this account. 340 and then. 75 in savings. Uh Apple bill. Hamburgers. Water burger. Apple bill. Apple bill. This ising crazy. 34 in. this. Nothing. Nothing. $55,000. in this. >> retirement. Retirement. Whose. retirement? >> It depends on the account. I don't. >> $55,000. >> might be mine. >> Hers, I think. >> Uh, Fidelity. Is it TransUnion? Like, uh, >> let's see. This is Fidelity.

>> It's hers. Okay. >> Then 75. And this Fidelity. That's mine. >> Okay. That's. >> those are residual accounts from uh uh. stock that I got from startups that I. work at. So, there's nothing in it. It's. just like $20. >> $25,000 on this. >> No, $25, I believe. >> $25. Sorry. $7 in Schwab. $23,000 in. Vanguard. >> That's mine. >> Okay. >> Uh well, your entire in uh what's your.

guys' What's your gross income? >> Gross. >> 350. >> Yeah. 3 325. 325 in yours gross? >> No, that's as a household at 325. >> Oh, 325 as a household. Okay. You guys. should approximately be at retirement. total combined about. $500,000. So, you guys are certainly. behind by about a fifth. So, >> yeah. >> Yeah. >> Yeah. >> Now, I know that makes it even harder. It's like that's so much money, but it. scales with your income in terms of. where you should be at if you want to.

maintain the lifestyle you have now by. retirement. So, your retirement score is. not going to be perfect, >> right? >> And like I mean that would be great for. uh that would be perfect for someone. your age making, you know, $100,000 a. year. Like they would be killing it. They would be beyond killing it. well. beyond their goal cuz you guys are at. total retirement. looks like. 166,000. like if someone made 166,000 or no if. someone made uh.

>> I mean yeah you know what I'm saying. >> yeah we're just it scales with your. income. >> because it comes down to maintaining. lifestyle at that point. >> if you want it in retirement which I. looking at what you guys do I don't. think you're going to cut back. I don't. think you're going to want to cut back. >> I think we'll surprise you. >> Okay, come back on the follow-up channel. and prove it. I'm just looking at. literally what you do right now in front. of me. I And none of these are a. mortgage.

Okay. Okay. 36741. plus $62367. plus 100 uh $1,335.37. plus $44 plus $29 plus $40 plus $30 plus. $25 plus $646.14. plus $600 plus $860 plus $165. Especially when those student loan. payments start back up. Your minimum. monthly payments to survive are $4,7659.

The other car does not have a loan on. it. >> What other car? >> The other car? No, it's paid off. >> $18,000 is our net income on a monthly. basis. What's your rent? >> 2650. >> It's okay for your income. >> Utilities including internet all. combined? >> Uh 350. >> Gas room vroom. Drive. Both of you. >> kind $200 a month. >> Yeah. >> 250 to be safe.

>> Car insurance. >> Uh, we paid a month. We paid 6 months at. a time. >> How much every six months? >> 1600. >> Okay. $267. Phone bill. >> Uh, $220. >> Yo, why? >> New phones. >> You financing them. >> for hers? Yeah. >> T-Mo I use T-Mobile here, so it's good. >> Mhm. >> Same coverage for Helium is like. literally $40 a month for the both of. you combined. If you want to do a budget. option, that's really good. Yeah, this. is one of those third party carriers. kind of like uh Mint and those other.

ones that just use the same towers, same. service, but they do it on the cheap. >> Um, okay. Food. I mean, we could I don't. even need to do 600. Like, listen. Oh, let's see how I can work your budget. 600 for groceries, let's say. But I'm. going to say eating out. This is how. crazy this is, guys. I'm going to say eating out $500. Let's. see what happens. TP fund. This is. anything else you need to survive. $200. And I'm going to say fund spending $200.

Medical, healthcare, co-pays, anything. Let's. >> uh Yeah, under my insurance, but co-pay. is like $25. >> How often? >> Uh once a quarter. >> Oh, okay. So, uh we'll just put 25 bucks. in there to be safe. How much do you. give your trainer? >> $50 a session. >> And how many sessions a month? >> Two a week. So, eight a month. 400 a. month. >> Yeah. 400. Is there any other gym cost. outside of that? >> Uh $60 the subscription for the total.

machine that we have. >> Okay. So, 460 bucks subscriptions. I'll. call it 50 bucks. Go crazy. You have a. pet? >> Mhm. >> We have two pets. Two dogs. >> Two dogs. Ages and health. >> Uh one is six and one is one. They're. both in good health. >> Okay, let's call it pet insurance. 120. bucks. Dog food, how much? >> Uh. $100 a month. Yeah. >> And how much for all the training and. sitting and everything you guys are. doing? >> Oh gosh. >> It's about $400 a month. >> Yeah, that's pretty crazy. All right,

let's see where this lands us, >> guys. If you didn't have your minimum. monthly payments on all this that the. life, it's insane. You could have so much fun now. I'm. dramatically concerned that you don't. have a fully funed emergency button. Like, it makes no sense. >> Hey, you got tapped out for the wedding. That's not an emergency. >> And then I got tapped out for a. honeymoon. >> That's not an emergency, [ __ ]. >> It's going to be a good time though.

>> Certainly will be. It won't be when you. get laid off and you don't have a. [ __ ] income. >> I mean, knock on wood. >> Knock on wood. I hope you don't. Obviously. 1,00 $11,15759. is what you need to survive with the. fund I'm giving you. So, off that gives. you literally. >> $4,000 and. >> Yeah. Well, no. So, according to your. 1,800 net, $6,842. Let's round it for Wiggles. 6,500 left.

Student loans, that'd be minimum payment. until they're paid off. So, what does. that leave us with? You can go highest interest or smallest. balance, whatever method works for you. I don't really care. Actually, >> it's not really a big difference there. between the. speed in which those are paid off. >> It's hard really. It's so situational. Avalanche does always get there quicker. Uh but. >> Avalanche being highest interest for us. >> Yeah. But.

>> how much quicker depends on the. situation. A lot of the times it's. really not there. >> Okay. So, it's almost six hand six in. one hand, half a dozen in the other. >> Yeah. Now, minusing the student loans. brings us to 168,000. But I'm also going. to minus the car because we can minimize. the payment until that's paid off at. that interest rate. So immediate debt to pay off is. $124,16255. with $6,500. God, dude, the Come on. It's less than 2. years. It's a year and a half and get an.

emergency fund. This is so easy. And I. gave you more fun than I've ever given. anyone. I don't want to hear this. This. is baby. >> I told you you could do it in two years. >> Choose what? Yes. If you do this, not. based on what you're doing. >> Yeah, that budget doesn't include uh. having uh someone come clean the house. >> No, I gave you guys fund spending of. 500. Allocate that how you wish. TP. fund. No, sorry. 200 for fun. 500 for. going out to eat. $200 for your TP fund. You can allocate that. Maybe do like a.

bi-weekly cleaning or something. I don't. know. 400 for I gave you guys so much. I've given you guys more than anyone's. ever gotten. Join us in the post show. We'll bring in the producers. We'll talk. about that. There's always things that. come up. It's the best membership on. YouTube. Hammer elite by far. Let's get. this hammer financial score. Spending a. budget. You overspent. We figured out. how. Zero out of 10. You were confused. I don't know how. Z uh debt. I mean, the. debt is really bad. You guys can just. get out of it. There's no collections. Going to save for your income. technically. Two out of 10. Emergency.

funds somehow. Nothing cuz emergencies. of Hawaii. Retirement. Yeah, you're at a. three out of 10 there. The math we were. doing. Real estate 0 out of 10, but. you'll get there eventually. I mean, that's a hammer financial score, right? Am I I don't I want to confirm. Yeah. One out of 10. >> 10. He was right. He nailed it. First. thing you got right all episode. Just. kidding. Join us for the post show, guys. Join Hammer Elite. Click the join. button now. I'll see you there. >> My dad lives in Mexico and my sisters.

and I send him money every month. Um, >> how much money are you sending him? It's not that bad. >> You're still doing that. >> less than your Pokémon. >> Did we agree not to do that? >> No, we I didn't I didn't talk to him. about it. >> I thought it was like a onetime thing. for like 6 months. You're doing this. every month. We already have. >> once your parents need help and I need. help. >> Okay. Well, my dad does need help. >> Okay. >> Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of.

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