$530,000 Of Taylor Swift Debt | Financial Audit

I have never got to grieve my divorce. >> Who chose to divorce? >> I did. >> Individual budget kids are. >> I do. It is math. It is numbers. I make. budgets. >> It's not math. >> You can't just label like, oh, it costs. 10 grand a year for each kid. >> I don't do that. I budget based on the. household. Have you ever watched this. though or or are YOU JUST A [ __ ]. [screaming]. >> OH, NO. >> Taylor Swift shop. you. We've been getting a ton of people. asking us to extend the deadline for the.

Dollar Wise launch. So, you know what? I'm going to give it to you. Starting. now, you can still sign up for a 3-day. free trial for DollarWise. But hurry, we're ending the promotion at midnight. on October 31st. Click the link and. start your free trial today. >> Hi, I'm Taylor. I'm 31 years old and I'm. from Austin, Texas. And this is. Financial Audit. Thanks for coming into the studio. Rare. that we get locals these days. What do. you do here in Austin, Texas? >> I am a charge nurse um at a hospital.

>> You look like a nurse. You got nurse. vibes. You're like nurse classic. >> Yeah. Well, >> is that more of like the mean mental. institution nurse? >> Okay. So, let's talk about that cuz I. got a bone to pick with you. I. [laughter]. >> for mean mental. I watched one of your. episodes where you generalize nurses as. mean and. >> well I think everyone thinks nurses are. mean. I have a nurse mother and she's. not mean but I think everyone. generalizes nurses as.

>> I mean they're very mean to each other. They're very catty. There's always drama. at the hospital and no one likes the. needle they get stick stuck with anyway. >> Understandable. But I am here to just. clear the air as a nice nurse and nurses. I work with that not all nurses are. mean. Not all nurses are mean. Um, >> there are nice nurses. Just admit it. >> Oh, yeah. But stereotypes are. stereotypes for a reason. Of course, there's nice nurses. [laughter]. >> Absolutely true. And I'm not going to go. into other stereotypes cuz it would get. me cancelled that not everyone does.

certain things. >> Fair. Fair. >> But they exist for a reason. >> True. I Okay. >> I like mayonnaise. >> Is mayonnaise an instrument? >> Not all white people like mayonnaise. Nurses are Okay. I mean, again, my mom's a nurse. Not. really. I'm kidding. Kind of to a. certain point. >> I hope so. I hope you love your mom. She. probably works very hard as a. >> nurse. And she does, and I highly. encourage her. And I hard workers. >> Well, I respect the out of it because. she went back to school, you know, and.

uh did lots of nighttime school when I. was growing up to kind of get us out of. that lower middle class on the verge of. poverty and losing a house thing. So, I. love it. But, okay, you're a nurse. Nurses do make decent money and it is. more recession resistant. Not recession. proof, but being in a large city. certainly helps like Austin, Texas. How. much do you make? >> I make take home about six grand a. month. >> Okay. How you doing in Austin on six. grand a month? Not bad. Listen, cost of. living um and compared to most places in.

the country has actually gone down in. Austin, Texas because we actually build. housing. Who who would have thought the. fact of just allowing developers to. build housing is really the only. solution you need. You don't need all. these performative policies that sound. like they're going to do well and then. never actually work in any historical. context. Blows my mind. How you doing in. that 6,000? >> I'm doing fairly well. Um but I will. >> really because I literally have like a. pass through payment on my like first. document. Like I don't even know what it. is. It's just highlighted in bright red. Pass due. I don't even I don't even know.

what the document is yet. But that's. it's im it's like glaring to me here. So. that's doing well. I don't know if I want the person who's. supposed to be drawing my blood stress. about being passed due on something. What is what is this? This is a mortgage. >> Yeah. >> Mortgage. You're pass on your house. >> Oh, dude. I definitely don't want you to. be the one with the needle near me if. you're fearing my nurses.

have nothing to do with my money. Everyone's work gets a little more the. there is energy is brought to every. aspect of life. If there is stress. especially like losing a house. Yeah. That comes to you to work. That comes to. you in relationships. It comes to you. with everything. What the You're doing. okay. What What do you behind a a. mortgage? I I wouldn't tell I wouldn't. tell you I'm doing okay if I was behind. on a mortgage. >> There needs to be adjustments made. >> But how is that doing okay? I don't. think that's doing okay. If adjustments. need to be made, if adjustments were.

made and things are doing well, that. would be you doing okay. I don't think. you're doing okay. >> Of recent changes in lifestyle that. needed to happen that I'm having a hard. time adjusting. >> because you won't and whatever. Okay. >> Um. >> not wrong, but yes, I. >> Oh my Colton, if what you just texted me. is true. >> Oh, here it comes. >> This is. >> I know exactly what you're about to say. You're behind on your mortgage to. purchase a dog. A dog.

>> Mhm. >> And I love dogs. I don't lose my house. because of that. What the. >> I'm going to lose my house. Okay. It's I. got this. >> now. People do every day. >> Okay. Yes. >> Tens of thousands a year. >> What is wrong with you? A dog instead of. your mortgage. >> I wanted a dog. I wanted. >> I want a thousand dogs. You're talking. to the person who loves dogs more than. basically. >> I have passed up. Okay. I have passed up. on five dogs.

Okay. I grew up with dogs my whole life. >> Oh no. >> I've got kids. I want them to grow up. with dogs. You have children. >> You're behind on your mortgage payment. for a dog and you have children. What is. wrong with you? You beast. >> You nursing beast. Oh, why dude? I'm. What the is wrong? >> I want them to have the experience. growing up child. Child, mother, child. How old are your Well, okay. I'm here. More than one kid. How many kids and.

what are their ages? >> I have four children. They are. >> Oh, [screaming]. what is WRONG WITH YOU? >> OKAY, four kids. >> Not bad having that many kids, but not. paying your mortgage for a dog while. having four children. Ew. [screaming]. >> Seven, five, five, and two. >> Oh, were the 5-year-olds twins? Yeah, twins. >> Damn, >> I've been showing you how much. information data brokers actually. collect on you.

>> Someone's address is actually visible. publicly. Here's how absurd the industry. is. Last year, the largest data broker. got hacked. You think they would have. been punished, but no, they're back in. action today. And honestly, it's. frustrating. You do everything right, opt out, protect your data, and then. these companies just sneak it back. through the back door. It feels like. there's no accountability and regular. people are the ones paying the price. The government won't help us. They just. embolden these companies. This is why I.

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aura.com/hammer to try 14 days for free. That is enough time for Aura to start. scrubbing your data from those sites. Dude, what are you doing? >> Yes. >> What are you doing? And either way, you. could have got in without spending. trillions of dollars and missing a. payment. Have you ever heard of Austin. Pets Alive or the Austin Animal Shelter? >> I have, but I have a Okay. I think that. people. >> greedy. >> No. I think that people that adopt dogs. are fabulous. It would never be a good. fit for me and my family. And I'm going. to tell you why. My.

>> Yeah, I'm going to need to hear a really. good reason cuz I There's a little bit. of trauma there. My sister had adopted a. dog who had. >> Does your sister live with you? >> She does not live with me. >> Die. >> Okay. She had a dog that lunged at my. child a couple of times. >> That is not because of a shelter dog. That is lack of training. That is not. >> lack of training. She paid for it. >> That is a bad dog. >> It was a bad dog. >> You can like test out dogs. >> Dog was put down.

>> You can test. [music]. >> Dog is no longer alive. I don't want to. go through the emotional trauma. test. out dogs. >> to have okay you could I suppose but. it's too risky I got my second way too I. have too many children that are too. young I cannot choice them into I don't. know if you know that so like I don't. care. >> like that is what you did what I did. >> you enjoyed the pleasure of it and then. you pooped them out that's what happens. that is math how that happens but sure.

>> that is math math that is that is human. nature biology. >> that no it's math it's not. >> penis vagina you know, >> couldn't plan for the twins. That was a. two for deal. Couldn't help that. That. just happened. >> Yeah, but you know, you're they're. coming after a bit. >> I mean, yeah, but like how does one wrap. their brain around? >> Listen, >> it's a lot. It's a lot. Just admit it's. a lot. >> What? Twins? >> Yeah. >> No. [laughter]. >> Okay. Thank you. >> Who Who wouldn't say that? I don't know. what you're talking about. Okay, listen.

I um I was going to the Austin Animal. Shelter uh decently before adopting my. dog, P. I didn't get her through the. animal shelter. She was being fostered. and I met her at a bar, but it was it. was, you know, similar thing essentially. as like an Austin animal shelter. But. going through the process at the Austin. animal shelter a couple years ago, uh. they'll let you, if I'm not mistaken, like take them home, see how the dog is, cuz obviously that dog of the trauma. that is surrounding it is obviously, first of all, if there was an actual dog.

trauma, it'd be trauma associated with. all dogs, not the awesome animal. Shut. the off with that. That is an actual. phobia that people deal with. You're. making excuses for being selfish and. purchasing a dog. And you can purchase a. dog. I don't personally give a one gets. their dog. I like adopting. I also like. purchasing. I don't give a just get. dogs. Dogs are incredible. Same with. cats. Same with every animal. I want a. pet cow if I can have one. Either way, if I'm not mistaken, you can t take. them, test them home, test them at home, test them for a while. You can uh take. them around the yard. You can do a lot.

of things with the dogs before you. commit to a fullon adoption. Yeah, it. was not. >> Which you could have done before missing. your mortgage payment, which is the big. thing here. You missed your mortgage. payment for a dog. >> Got to do it. And. >> well, yes, cuz it's a dumb decision, dumb ass. >> I know. It was It was not great. And I. had. What dog did you get? >> You want to see a picture of her? >> No, just tell me what dog you got. >> Come on. You want to see a picture of. her? She's sure. >> She's 3/4 bulldog and she's one quarter. beagle and her name is Clover. You paid.

money for a bulldog? >> Yeah, of course I did. Bulldogs are. amazing. What? What do you mean? Did you. pay money for Of course I paid money for. bulldog. She's adorable. >> That's usually what's at the Austin. Animal Shelter. And also that's a lot. >> That's not bull. I never have seen. bulldogs. >> Pit bulls. >> Pit bulls. That's different. Sorry. You're right. >> Okay. So, this this is her. She's a. great gal. >> Yeah. Looks like honestly looks like. half the dogs at the shelter. That's. fine. I don't She's cute. But they're. all cute, too. I'm not That's not an. insult. It's not a bad thing. There's. nothing unique there, you know. I.

usually think of like a white-haired. golden retriever or something. I don't. know. >> Yeah, but people aren't giving up their. golden retrievers and putting them in. pounds. They're giving up pit bulls that. are questionable to bring home. >> That it's not only pit bulls. There's. also pit mixes and there's lots of non-. pit bulls as well there. I've seen. golden retrievers [clears throat] there. >> at the shelter. >> They go very quickly. But I have seen. >> they go very quickly. >> You don't see puppies. You don't see. labs. >> There is a puppy row. There is a puppy. row. Absolutely. You've never been. >> Puppies are on. >> You've never been. Puppies are on death. row. People are.

>> There is a puppy row. There's an entire. hallway at the Austin Animal Shelter. that is puppies and rabbits. >> I never been. >> Yeah, you like what are you talking about? How. can you make an argument of something. you've never even been to? I've been. there like a dozen times minimum. >> I've lived in Austin. Well, on and off. in Austin, but haven't gone. >> No, I haven't gone. >> Shut the up then. I don't give a [ __ ]. This is selfish. How much did you spend? >> $950. >> What? And that made you miss your. mortgage? That doesn't make any sense. You're pass due 637.

>> Well, >> your pass due 2 months. >> This wasn't the dog. I mean, the dog was. a dumb decision that obviously went in. to you, miss. >> It was the decision that put me over. >> No, you No. No. No. No. No. No. No. No. Two months in a row. Two months in a. row. Two months in a row. Two months. Two months from a $900 dog. That doesn't. make sense. That doesn't make sense. What are you talking about? What kind of. mother are you? There's bad. >> is a bad habits bad mother. >> No, not a bad mother.

>> You're two months behind on your. mortgage. The roof over your children's. house. You What else do you think that. is? >> What are you talking about? >> There were there were, like I said, a. lot of things that had happened in the. past year. I've gone through a lot of. life changes where. >> Well, everyone does life changes every. single day. What are we going to do? You. make the money. You have the money. >> I do have the money. The math is there. >> Honestly, the math does kind of suck. It's 50% of your income. So, no, not. really. You have way more mortgage than. you should have. But. >> and when you have a partner who's. equally contributing to that, it's a.

hard adjustment to come from. >> You broke up. >> No, I got divorced. I finalized my. divorce in January. >> Do you guys live together? >> No, not anymore. >> So, you broke up? >> Well, okay. >> That's what I said. Okay. [laughter]. Yeah. Divorce. Okay. Whatever. Same. thing. You lost the second part of. >> break up as a boyfriend. A divorce is a. husband. It's different. >> Well, sure. But it is still like not. having that income. Is he on the. mortgage? He is on the mortgage. >> Well, there you go. So, that should be. okay. He should be providing towards. you. >> He's not providing.

>> He should be giving child support. >> He is in a way. >> What? >> Um, so we are true 50/50 custody and um. I had agreed to not take child support. from him because we were splitting. everything down the middle. >> You have 50/50 custody. >> We do. We split everything very child. I. didn't then you shouldn't. >> I didn't think it was right. equal is. paying kind of the mortgage to a certain. point, especially if he's on it. >> So, we split all of our children's um. school expenses, extracurricular.

activities, doctor visits, things like. that. >> Yeah, that's good. >> When it comes to our. >> Wait, you just broke up with another. dude. >> Well, he someone else. >> I was dating him while I was going. through my divorce. >> What? >> You just broke up with him? >> What men are you flying through? >> No. [laughter]. >> No, I'm I'm confused. No. Okay. >> Divorce was initiated in March of 2024. It was finalized this past January. We. had been separated since March. >> So messy. >> because it fights it. We didn't agree.

always on the terms like Okay. >> So it did have to go back through the. lawyers a couple times. Um which cost me. >> Oh, you want to get another dog, too? That's great. You already have four. children. A dog you can't afford. A. household you're not paying for. Going. through men like it's candy. Like, what. are we doing? And you want to get. another dog? What the? Just settle for a. second. Calm the down for a second. Dude, >> my whole life has been chaos. I've lived. my life in chaos and I don't know how to. settle down.

>> It hasn't worked. You're right. >> So, stop. [gasps]. >> I I would love to know how. >> Okay. Don't get another dog. There you. go. I saw. >> I don't have the other dog. >> I know, but you're considering it and. that would be more chaos. Don't. >> I'm not going to do anything. >> [ __ ] You're considering it. You're. wanting it. Off. Uh, I'm not going to do. it. >> That was a terrifying noise. >> Well, it's how I feel. >> Uh, what? When you don't get a a new. thing that you want? >> Yeah, I get frustrated. >> So, when did you just break up with this. dude? Was he helping to pay to Mortgage?

Were you guys living together? >> We were living together. >> Okay. So, he was helping to pay the. bills. >> He was contributing. >> When did you guys break up? >> We broke up in March of this year. >> What? So, you just trying to go get. another one in there so that he can help. pay the bills? Like, I don't know how. 50% going to your mortgage is insanity. My entire adult life, I have always had. a financial partner to help me split the. responsibilities. First time in my life that I have had to. do this. >> That's why I'm asking, are you trying to. get someone else in to help split the. bill? >> No, I'm taking time for myself. >> Taking time for yourself, but paying. over 50% to your mortgage and now you're.

missing two months. >> There's an adjustment that needs to. happen. >> Adjustment. We're talking on the third. month of about to be missed payments. that we're well into adjustment. Also, March is a while ago. Mar. So there was. a loan modification that happened on the. mortgage. >> Why? >> The year that we were going through the. divorce, March of 2024 through the end. of 2024. >> You said this year you broke up with the. dude in March. >> That was the boyfriend I'm talking. about. >> Exactly. So you've been independent for. a while. So what is this adjustment? You. need a whole year to adjust. What is.

wrong with you? >> I have not been independent for a while. I've been independent since March of. this year. >> March. March. March is a while ago. >> That long ago? >> Yes, it absolutely is, dude. I adjusted. things within a week or two. >> What is wrong with you? I don't have. kids, but this doesn't take a year to. adjust a budget. Write it down. Look at. it. See where how much money you have. What money needs to go out? >> Are expensive. >> It's expensive. But if you write it. down, see how much money needs to go, how much money is coming in. You at. least know what's going on and you can. start making adjustments. If you're. telling me it takes a year, that's you.

being an irresponsible mother cuz the. kids rely on having a roof over their. head and food on the table. you. [sighs]. >> It's a work in progress. >> No. >> Yes. >> No. No. It's It's literally not in. progress is the thing. >> Cuz you're like, "It's in March. I'm. going through a transition. Oh my. goodness. Transition. >> I went through such a hard little. breakup in a divorce and I got kids. So, I just really don't have to do anything. and I'll just call it an endless. transition forever." That's That's what. you're doing. >> There are bad habits that need to be. broken. Yes.

>> Need to be broken. Need to be broken. Need to be broken. It's a work in. progress. Work in progress. circle you. None of it's being done. It needs to be. It should have. In progress, there's no. progress. What are you talking about? These endless future like statements and. words you're using. The progress means. it's the future. Needs to be fixed. Needs to be stopped. It's the future. Nothing's now. Nothing's been done since. March. You're an irresponsible person. Everyone else who comes on the show, this isn't a groundbreaking thing. This isn't a groundbreaking thing.

We know what comes in. Mhm. >> How much went out last month? >> Um, probably all of it in bills. >> $10,000. >> Jesus. >> Yeah. Transition. You transition. >> I thought I'd [clears throat] be caught. up by now. >> Uh, well, when you don't actually do. that transition and fix the things that. need to be fixed. In what world would. you be caught up by now? That doesn't. make sense. There there there is no. caught up by now. Well, when I got the. dog, I was thinking that it wouldn't.

take me this long to get back on track. >> It was $900 for a $3,000 mortgage, of. which you're two months about to be 3. months behind. >> And there's definitely an adjustment. that I'm in [clears throat] the progress. of making. >> Adjustment. Adjustment. What the. >> adjustment of knowing how how much I. have to cut out, like what lifestyle I. can no longer have. >> If you wrote it down, you would know. I. mean, I write down my bills, but you. >> write down your bills, but not how much. money needs to go from where to what, when, how, all this stuff. A proper. budget.

We're just writing down your bills. You're like, "All right, I wrote down. the bills. Job done." What? Like, what. is that? What does that accomplish? >> There's there's a number blindness to. it, for sure. >> Well, yes, I am blind to things I don't. see when I don't look at them. Of course. No. >> Mhm. Yeah. So, it's like I'm wanting to. keep up with the Joneses like I was when. I was married and had a financial. partner, but I'm realizing that that's. not doable. Like, I can't do that. I.

have to make sacrifices and I want. >> Listen, I hear you. That all sounds so. good. You sound so reasonable. You said. it's been since March. You know what you. want to do. You've done nothing. You. like, yeah, you can sit here and say the. good talk. That's the good talk. What. you just did. You've done nothing. You've done nothing. So, what is the. point of saying all that when you won't. do it? >> I guess that's why I'm here. I need the. tough love. >> Do you feel like you need to compete. with your exes with the kid? Like, what. are you trying to do? Keeping up with. the Joneses. Is it endlessly performing.

the oh, I'm the better one. I ended up. better. >> It's not It's not about that. I think. it's about like FOMO. It's like fear of. missing out. Like, I want to do the. things that my friends are doing. >> How about missing out on having a roof. over your kid's head? That would be a. pretty big miss out. >> Yeah, would be. You're right. You want. to join the club downtown on Sixth. Street? Swinging machetes? No. >> Moms aren't very nice here. >> No. I I But I had confidence in myself. that I was going to get back on track. I. just didn't anticipate and crunch the. numbers to see the length of time that.

that would actually take. And now I'm. I've made my bed. I'm laying in it. Like. I've seen those breaks. >> Seven months since the breakup. >> Like off. Like I don't know. I I can't. take that. I also was not always making. this much money as I am now. I came into. this new charge nurse role very recently. which came. >> started making this much money. >> Um. >> well that doesn't matter anyway. You. over spent by $3,000. So what are you. talking about? >> It's been 2 months since I came into the. role. >> Well, you're still overspending. What.

were you bringing home at that point? >> Um I mean I was only making like $2 less. than I'm making now an hour. So whatever. that math is. >> Okay. I mean, it's it's it's decent, but. make or break. I mean, you can still. budget, but when you have an expensive. mortgage on that doesn't really make. sense. Now, I know you got the house and. the divorce, but his name is still on. the deed. I'm being told you use it as. leverage. >> Not on the deed. He's on the bank note. >> He's on the bank note. And I'm being. told you use it as leverage. >> Um, like in what way? Leverage. Like.

>> I mean you told Colton that if it'll his. credit if things aren't paid. So if he's. not giving money or doing certain. things, you hold it over. >> He's he hasn't a financial like interest. in this because. >> Exactly. Meaning you can hold it over. his head as leverage when he doesn't do. what you want. >> He does a lot for me and he does help me. with the kids and I'm not. >> tell Colton you specifically do that. >> Do what? >> I love when people change their tune on. camera to look good. Yes. The perfect. mother. >> Mhm. I'm a great mother. Why would you. tell the producer that you do and I.

change your tune on camera? >> His name is on the bank note. He does. have interest in the house. >> I would not hold that over his head. >> You ever feel like the only thing AI is. helping you with is showing you more ads. for stuff you just Googled. Meanwhile, your business is just sitting there. like, "Hey, maybe could I get some of. that intelligence, too?" Every business. is asking, "How do we actually make AI. work for us?" And the wrong answer is. just wait and see because your. competitors are not waiting. That is. where Netswuite by Oracle comes in.

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go-to. So, don't sit this one out. Get. the free guide demystifying AI at. netsweet.com/hammer. That is netsweet.com/hammer. Let's get back to the episode. Of course. not. Which is why you definitely didn't. tell the producers that you sometimes. do. [snorts]. >> Mm-. No, I don't. [clears throat]. >> Uh-huh. He's helping me a lot with my. kids. A lot. He like I currently in in. the state that I am in I am not able to.

provide my half of the things that the. kids are doing and he's taking that that. hit right now for me. He's he's paying. the full amount. >> What's the budget for the kids? What. needs to go for the kids? What needs to. be spent for the kids? >> Um. >> obviously groceries, obviously school. supplies here and there, but what else. uh outside of that? >> My son plays baseball. >> Okay, that's seasonal. >> It's seasonal. So, it was like $120 for. the season. >> What the? You make $6,000 a month. Even. with the $3,000 mortgage, that does not. make or break you. Especially if you're. splitting it up 50/50. What is wrong. with you? You're complaining about that.

birthday parties going on at school and. their Halloween costumes. Do you know. Halloween costumes are like. >> like $60 a pop? My kids are tiny. >> But even still, once a year that can be. budgeted into your to your money. These. numbers are not make or break for you. They're not. But you're acting like they. are. mostly because of some kind of. lifestyle you're likely living for. yourself if we're being honest. >> And I think I think just for me. personally like I grew up. >> and you're making your ex pay for your. daughter's birthday party because.

>> because I can't pay the half of it right. now, >> which by the way, doubt. I mean, if you. just cut back on the spending you're. choosing to do for yourself, you could. >> But it's not I I wouldn't even say that. it's all for me. It's really for a lot. of it is for my kids. I'm trying to give. them the life that I didn't get to have. growing up. >> Oh, [ __ ] off. We'll go through that. Come on. You're getting selfish joy from. that as well. >> Maybe slightly, but not. >> Absolutely. In the human psychology 100%. when it comes to gift. >> Numbers are not the same. Like what I. spent on myself is not nearly what I.

spent on my kids. Not even close. Not. even close. >> Oh, we'll see. We got the numbers. >> Okay, they're in front of you. >> What do you think your financial score. is? 0 to 10. Zero being the worst, 10. being the best. >> Like a two. >> If you want your financial score, take. the assessment. It is free to take at. calebhammer.com. You can see where you. need to improve, where you're already. doing okay. And if you don't want to be. like a guest who ends up on the show, make sure you download the new and. improved Dollar-Wise budgeting app. Lots. of features being added. It is. absolutely incredible. The new reviews. are showing just how amazing it is.

Dollar-wise.app. And also, you know, sign up for the annual version if you. want to save a lot of money after you. take the free trial. And when you do, I. will personally sign my budget friendly. cookbook, mail it directly to you. Only. available for the next couple months and. then it goes away forever. So, make sure. you take advantage of that. Now, dollarwise.app. links in the description below. So, yeah. You know, something that uh your. kids might WANT IS A HOUSE. First. document again. Let's put it down.

You're talking about these priorities. and life experiences that you didn't get. to have that they want to have. What. about not losing a house? >> I would never. >> That's not your choice. 100%. If it. comes down to it living the lifestyle. you live today, it is not your choice. >> if the bank takes it away. It's your. choice to do the. >> it would never get to that point. >> No, I don't believe you. It gets to that. point constantly for people all across. this country and everyone thinks it will. never happen to me for everything. Car. crashes, whatever, anything and. everything. We all think it'll never. happen to us. You are about to be 3.

months behind. This makes no sense how. you can just sit here and be like that. will not be me. How can you say that? It. is. >> How can you say it? >> It is a really rough adjustment coming. from h not having contributional income. from a partner. >> 7 months. >> That is I everyone I talked to that is. an astronomically high mortgage. Most. people are not paying. >> It really is. You probably shouldn't. have it in in the divorce. I don't know. if I would have kept it in your income. situation.

>> He didn't want it and I didn't want it. >> Yeah. But maybe we sell it. >> This there that wasn't an option. >> Why? >> Because the realtor told us that we. would have to bring a check to closing. The house is only a year. It was only a. year old at the time, >> but that check to closing still might be. more reasonable than you losing than you. than you losing a house and getting. zero. >> Where was 50 or 60 grand going to come. from? >> Well, 50 or 60 grand? I I I don't know. But I would have come to an agreement. where, okay, if he's on the mortgage, we're not going to sell it. He has to at. least provide maybe a fourth or a third. to help subsidize. >> He doesn't have it. I don't have it. >> Well, then you guys shouldn't have got.

the house together. If you both don't. have it together, then you this was dumb. decision and you will face the. consequences for the house and that. might be a forclosure. Either one of us. can afford the house. >> He said he doesn't have it. If he. provides a fourth and you provide two3. uh uh uh 34s. Yeah. >> Oh yeah. I guess that Yeah, that. >> Yeah. I mean, you can't do this. No, >> I can do it. >> It's over 50% of your income. >> I can do it. >> with discipline that I haven't done in 7. months cuz it's an endless transition. I'm going to be 50 years old and say, "Guys, I'm just going through a.

transition period.". >> No. >> Transition usually have an end. You're. just in an endless metamorphice. Just. I'm ending it now. It's not. >> mean. Okay, great. Oh, you're on the. show, so now I'm going to say what's. good. Hey, I'm ending it right now. >> Means nothing. You have no behavior that. has led up to this that would suggest. you're going to leave it after this. This is I I need to implement a rule cuz. I swear everyone comes on, they do. absolutely nothing, then they say you're. like, I'm changing it today. It's. perfect. There's no proof that I will do. it or stick to it. I'm doing it right.

now. Like you can't just say that to get. out of any kind of push back about how. you've been living your life even. yesterday. >> But you have to admit that when you do. have a partner, your entire adult life. contributes like when you lose. >> Totally agree. It's been 7 months off. >> 7 months is not a lot of time. Seven. months is a lot of time when you have. kids. >> Seven months is a lot of time to make. seven individual budgets. >> Kids are. >> I do. It is math. It is numbers. I make. budgets for. >> it's not math. kid. The numbers around. kids are not math or.

>> you can't just label like, oh, it costs. 10 grand a year for each kid and like. whatever. >> I don't do that. I budget based on the. household. Have you ever watched the. show or or are you just a [ __ ] I know. everyone that comes on the show watches. the show. So, you're either just a dumb. sitting here trying to make an argument. that doesn't exist. You're trying to. fight an argument that I've never made. >> I've seen like three episodes of your. show. I didn't even know really the show. until my friend told me about it. >> Okay. You've seen three episodes. I. think you've seen a decent amount of the. show. Yeah. >> Doesn't change that much. >> Kids and what they cost fluctuates.

>> Our numbers and fluctuates. And guess. what? You put that in budgets. >> Yeah. >> You've had seven months to make seven. budgets and adjusting, get adapting. And. your first two, your first three will. not be perfect, but you get closer and. closer and closer every single month. And you would be there except you just. kept saying, "Oh, it's a transition. Things are changing. The relationship. ended 7 months, but the relationship is. not the entire length of time that I've. had to pay the mortgage back. My first. mortgage payment wasn't due until July.

We did a remodification. They told me in. April what my new payment was going to. be based on the modification they made. My first mortgage payment was due July. >> Mortgage payment before that? >> Before that was um it was like just shy. of $3,400 a month. >> Okay. So, it's less. And yeah, she's. about to be behind three. That was what. the mortgage payment was for both of us. paying it. >> Oh, you creature. >> We didn't The mortgage argument goes. against the whole year while we were. going through the divorce.

>> That argument goes against you though. The mortgage has been decreased and yet. you're still about to be 3 months. behind. >> You're going to lose your house, your. kids house yourself. I'm not going to. lose my house. >> No, but you haven't. So when it was. $3,400 a month, >> guys, I'm doing it by myself. That's why. I spent on miscellaneous [ __ ] alone. $771. is not a lot. >> on miscellaneous bull. >> Miscellaneous. That could be like my. kids needed band-aids. Like that's not. >> Well, band-aids we wouldn't put in. [ __ ].

>> Well, okay. So, when Well, obviously. we're going to go through it, but. miscellaneous [ __ ] usually means. getting like a monster energy drink from. a gas station or a video game. It's. those random things that are not. necessary. >> I'm not saying you did that. Obviously, we haven't gone through the purchases. Are you actually a The thing is I'm. saying those type of purchases equal. miscellaneous [ __ ] They're things. that add nothing of value and you spent. borderline $800 on it. You spent close. to $400 going out to eat complaining and.

crying about having to pay the mortgage. You spent minimum $1,100 on [ __ ]. Minimum. There are there's on large. purchases that are unknown. We don't. know what they are that we'll go. through. $2,741. I bet a lot of that's bull, too. But at. minimum, you spent $1,100 on bull. Cry. about the mortgage and having to adapt. You You're irresponsible. You are a bad. adult. >> I don't I don't buy it. >> Okay, great. >> I don't buy that. That was mostly just. like useless.

>> What? >> Whatever miscellaneous and. >> Oh, you Okay. >> It It's not mine. It was probably stuff. I needed to buy for the kids. >> Need? Need. Do you know what the word. need is? Yeah, I do. I know the. difference between need and want. >> [ __ ] You wouldn't be here if you. were. You make money. Even with 50%. going to the mortgage, you could budget. the rest. [ __ ] off. Off. The minimum monthly payment on here. is. $3,1853.

But yeah, we owe 9,2797. Of course, there's fees and [ __ ]. stupidity, and dumb. You're about to. give up a 2.5% mortgage. This is. ridiculous. >> I'm not going to give it up. I'm not. losing the house. >> I'm not saying to, but Well, but that's. not your choice when the bank. forecloses. It's not. >> I'm not going to foreclose. >> How can you say that? >> They're not. They're not.

>> What's the argument? >> I am paying it. It is getting paid. >> Objectively, no. What [laughter]. >> on the paper that you see in front of. you? Yes, I have been they first of all. mortgage company at least this mortgage. company I don't know if it's for every. mortgage but when you are have a past. due balance they take what you are. making in payments and put it in an. isolated account and they don't apply. that until the full past due balance is. there. So what's refct accumulating past. you cuz you're never putting enough. towards it. I don't I don't off and also.

you say you're only. >> and you're holding it in this and ALSO. WELL NOT ENOUGH and you're also saying. oh I just get needs that's why you got. the dog. >> I'm about to be 3 months past due and. then that payment becomes stacked and. stacked and stacked. >> but that's not even showing the. thousands of dollars that you're. holding. >> Exactly. Because you're endlessly not. putting enough aside so it keeps holding. even more and more until it applies. That's Yeah. And you're getting. delinquency notices. This is absolutely. insane. Here, don't throw away what is.

the most important thing to have for. your kids. One of the most important. things, utilities, food, education, and. a roof. >> The utilities have never been turned off. in my house. >> I'm not saying that. I'm saying it is in. the same category as the absolute. necessities. >> Necessities. I know. I get that. >> And you're ruining that for a dog. And. $1,100 minimum on [ __ ] last month. irresponsible, disgusting. >> But I still I want to know I don't get. it off. Well, obviously we're going. through as we go. But that is what the.

accountant who went through this. Yes. An actual accountant now we have going. on this qualified. >> Good one. [laughter]. >> I don't know. Like it's hard to say. I. can't like form a defensive. I don't. even know like what's included in. miscellaneous. Like. >> So what is up with the USAA Visa. Signature Card? That was a credit card. that I opened when I was going through. the divorce to help put down for the. retainer fee. [gasps]. >> Oh, for the divorce. This is that new. and is this high? How much did you spend.

on legal? >> Uh, all the whole divorce cost me about. 15 grand. [snorts]. >> Oh, >> my retainer more in favor of prenups. >> $4500. to retain. And then I needed to give her. like another $4,500 to keep the case. going. limit. You're over the limit by. $300. >> There's no transactions on that. That is. just like it's just been accumulating. from the interest. >> Yeah, but it's accumulate. However, if. you make your minimum payments always on.

time, it will never be above the limit. No matter the interest. >> Never. Again, irresponsible. Choosing. $1,100 on [ __ ] Spending $3,000 more. than you make it on a monthly basis. [ __ ] off. Y ow $7,3456. minimum monthly payment. >> Yeah. Pass due. What is wrong with you? No [ __ ] It's above the limit. No [ __ ].

It's above the limit. >> This is the first past due I've ever had. on that card ever. I am. >> this card specifically. this month, like. this past month, like is cuz now it's. gotten to the dire point of like not. being able to make pay not being able to. make the minimum payments because now. I'm having to force it all to the. mortgage. So, I'm letting it go. >> Yeah, every card is past due. >> Yeah, we get a dog. [sighs]. What are we. >> Well, when I got the dog, I wasn't past.

due. I was making the payments. [screaming]. A. minimum payment normally is 355 which is. insanity but now of course you're past. due fees are being charged $35 $15922. of interest. What a disgusting life. we're living right now. How long do you. think this takes to pay off if you do. minimum monthly payments only without. any purchases? >> Probably at least 15 years. >> Okay, let's try 26. >> 57. You'll be 57. You'll be two years.

away from being able to withdraw from. your tax advantage retirement accounts. penalty-free. That's where you are in life and this. card will finally be getting paid off. And that's actually if you make your. MINIMUM PAYMENTS AND YOU DON'T. SO, [laughter] GOOD LUCK. >> You have until this past month. >> Guys, I have before, but right now I'm. not. So, it's okay that I have before, but if I'm not right now, it excuses it. What are you talking about? What are you. talking about? This is hurting your. children. Hurting your children. Everything you are doing right now is. hurting your children. The choices you. are making right now are hurting your.

children. Can Okay. Um, answer me a. question. Answer me a question. >> Okay. $400 we at least know went out to. eat. >> Okay. Let's get rid of the miscellaneous. [ __ ] $400 at least went out to eat. That is $50 more than what would be the. minimum payment for this credit card. Why the can you possibly justify going. out to eat $400 and then missing this. and accumulating fees and interest and. putting your kids' lives behind? You're. not going to have enough to retire them. They didn't consentually come into this. world. You chose to bring them into this. world in one way or another. Even if it.

comes down to you just chose to the. thing is they didn't consent to be here. However, when they are in their 30s, 40s, 50s, when you are about to retire. and you don't have any ability to cuz. social security is going to be. dramatically less by the time we retire. It'll still be there, but it's going to. be dramatically less. However, they're. going to have to put their life on hold. their aspirations, their goals, their uh. hopeful, you know, down payment on a. house, whatever they are trying to do, they have to put on hold to make sure. their mother doesn't become homeless. because you are choosing to GO LIVE. RIGHT NOW $400 GOING OUT TO eat instead.

of making a $355 payment. What. justification could you possibly have? >> I mean, it's like. >> disgusting. when you put it on paper. like this and I'm able to see it more. clearly. But like when I see the money. to do that, you've had seven months to. make your own individual budget. This is. unexcusable. A month, I'll give you two. months, maybe 3 months. I'm going to. start punching you. 7 months, you're. broken. >> It's not 7 months because I didn't start. having to do this really on my own until.

July. >> Fine. >> Two months. Two months. I've had. >> uh borderline four, but off. Come on. We're in month four of that. It's like I. don't want to hear it. Come on. Come. [screaming] on. >> July, August, September, October. Okay. >> Oh, yeah. Use those fingers. They help. you get there. Maybe you should have had. the guy using them last time instead of. popping out all these children you can't. take care of. And I love that you have kids. You're. just being a horribly irresponsible with.

your. >> Well, apple doesn't fall far from the. tree. I guess [snorts] it's the way I. grew up. >> It's the way I grew up, too. You know. what I did with that? I took that said I. didn't want to repeat it so I changed. it. >> I'm trying. >> Objectively no. Objectively no. You. spent $400 going out to eat instead of. making your payment. >> First time to do it by myself. >> You know that's even worse. You know. what's even worse? If this is your very. first time missing a payment, that means. you're getting worse in life. >> And you choose chose for the very first. time ever to go $400 after you instead. of making a credit card payment. The.

fact that this is your first time is. even worse because it means you're going. down. Hit 31, early 30s, going down. Mhm. Does this credit card have an annual. fee? >> Did you do a credit card transfer on. this? >> No. >> Then what you're saying does not line up. at $35.

Want to know a dirty little secret? And. no, I'm not starting an only. You're not. broke because you suck with money. You. just can't see where it's going. [music]. If your bank account is empty at the end. of every month, that is not bad luck. That is bad tracking. And it's exactly. why I use Dollar. It [music] shows you. exactly where your money's going every. single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you. don't. And when you download Dollar. today, you'll get to try for free, plus.

3 months for just $9.99. so you can. finally take control and see what your. money's been doing behind your back. Click below to get started. No, it does. not. It absolutely does not. It. absolutely does not in any way. whatsoever. But you've had $280 of fees. this year so far, lady. That is eight. mispayments. >> No, I have had no mis that is. impossible. >> I could pull up my credit karma right. now and show you. I have not had a late. payment on it. >> That would not show up on Credit Karma. A missed payment would. A late payment. would not. Oh, you don't know. Oh [ __ ].

Oh, we're on month 10 and she's missed. eight. She's been late on eight. >> Are you telling me you've missed? It's. official as a miss on your credit report. right now. >> No. >> No. The one right now where you're. saying it's the very first ever. >> YEAH, THAT'S [screaming] YOU. AND YOU'RE. not only late, you're on miss. I didn't. know you were a miss. I was just I was. just talking about late to the crewing. feast. You're a miss. You're a miss.

Oh [screaming]. no. OH, you're in a league of your own. People on the show don't even get the. missed. They get delayed. They don't get theing. missed. Oh, lady. WHAT HAVE YOU DONE? WHAT [screaming] HAVE YOU DONE? >> YEAH, it's my first. >> Oh, you have eight late fees this year. so far. You're Oh. [laughter]. Oh, dude. Oh. Oh, that's insane.

You've made your payment on time. Hold. on. No, cuz this is last month and I'm. not even seeing October. You've missed. every month. Every month you've been. late this year. Every month. Even when. you were with the guy for 3 months, you. were late. Transitioning. No, you've. always been a degenerate. You're just. not good. You just can't pull up an app. and push a button. You're broken. Unless. it's ordering something for yourself or. your kids, you can't do anything right. Oh my.

girl, you've lost now at the point of. where the statement is, you've likely. lost like close to $350 in fees alone. this year. >> Oh, yeah. I. >> You're above the limit. Oh, no. >> Yeah. >> Oh, what have you done? You've thrown it. all away. You've thrown it all away. You've thrown away life. >> I'm going to come back. >> Oh, what have you done? I'm going to. come back. >> Yeah, you can keep saying Keep telling. yourself that. I am. Listen, I I'm glad. I'm glad you have that want in you. You.

have missed every payment. You've been. late on every payment this year so far. to the credit agencies. >> cuz you weren't missed. You were late. But now they are because you are now a. missed. You have one missed and every. month late and 3 months behind her. mortgage. I'm going to be real. This is only two. documents in, especially in a mother. situation. This is objectively. one of the worst financial situations. I've ever seen a mother in on this show.

And it is all your fault. You spend $400. going out to eat, $1,100 on bull. minimum, probably more. You've ruined. it. You've thrown it away. This is. disgusting. This is unacceptable. And. you should be ashamed. You should be. ashamed of that. If every payment we saw. was 100% a necessity and then you were. late and missing, I wouldn't say that. But it is unacceptable and disgusting. that you are going spending money on fun. even if it's fun for the kids when. you're this.

cuz this is going to destroy them. This. is going to destroy the life. You're. going to get foreclosure notices. I grew. up on a house with in a house with. foreclosure notices. We didn't get. forclosed on. They pushed beyond it. They fought. Theying fought. You're. about to put them through that very same. situation. Even if it doesn't get to the. final foreclosure, they are going to see. the foreclosure notices. They might show. up to school. You're not there. They see. it on the thing. >> I will never let my kids go homeless. It's never. >> They're homeless, but they might see a. foreclosure notice. And that is. terrifying.

You are going to ruin their childhood. I. mean, I don't even The only credit card. I'll let you use is the Fizz card. It's. a debit card that builds credit cuz you. can't spend more than that's in your. checking account. Obviously, you can't. manage. So, I don't even know if I want. you to get it. It's good for most in the. audience, but you're not a credit card. person. You're not even close. You're. not a debt person. You can't even do a. mortgage, which is considered often. times a good debt, especially at 2.5%. interest. I just wouldn't even go near. debt if I was you. You can't manage. You. can't make payments. You don't know how. to somehow. I don't know how you you're.

that broken at 31. >> I've made payments. I have. >> This is all late. >> Not on all the cards. Just that one so. far. >> Honestly, so far cuz we've only looked. at one. I don't even believe you cuz you. you you were setting up this card is. like this is the first month this has. ever happened. No, you're late every. month. You just officially had your. first miss reported to your credit. This. is insanity. And it's dramatically above. the limit. This is disgusting. And yet. you go out to eat. You. $1,500 in interest is you've lost.

approximately at this point $2,000 on. this card alone this year. $2,000. A. third of your paycheck. A third of the. hours you worked this month, last month. A third of the hours you worked went to. just paying the extra things added to. this card with no benefit to yourself. >> Yeah, that's not great. >> Across all these together, I guarantee. you it's about a month or two months of. fees and interest that have been added. that you've just worked for. Nothing. going to yourself net. Just paying back.

money you've already spent. >> That's the kind of stuff that isn't. really blatant and you don't think. about. >> No, you don't think about anything you. don't look at. Ashley, I've I've had an Ashley card. >> Well, >> why not? That's because I can actually. leverage that in a decent way. You. can't. There are literally fees being. added. Why the possibly? Possibly. Why? >> That was the account that we had opened. when we bought the house back in April. of 2023. We financed the furniture we.

bought on the house and it went into my. name because. >> he financed the property. >> Finance some furniture to go along with. it. Let's just finance everything. finance ouring utilities AT THAT POINT. WHY NOT? MINIMUM payment 119. This is an. added stack. Overall balance $2,3755. 20 months to pay this off. That actually. gets us to the end of the promotional. period. I think. I think it should. So that's good. So.

I'm not freaking out about this card. What I am freaking about is one, you've. had a late fee this year. So clearly, who even knows that you'll actually pay. this off by the time the promotional. expiration date arrives? Somehow you've had an interest acrew. this year. I I don't know how. You must. have purchased something. Makes no sense. >> I don't The only things that have been. on that are the furniture we bought when.

we house. >> Just straight up, I don't trust you. Like why would interest acrew on. something that is a 0% interest rate. unless you went and purchased something. outside of the promotional thing. >> I don't even know how I would do that at. store credit. >> I don't knowing either dude anything. from Ashley other than the. >> I don't [screaming] know. But what is terrifying to me is again. you've had a late fee. So, who knows if. you'll pay this off in time. And two, it's just an other minimum payment. stacked on top of the endless minimum. payments that make you have less money. in your pocket at the end of the month.

to start making more progress on beating. down these debts. And again, this is you. kept the house. Now, I'm assuming you're. paying on this because the furniture is. at the house. Why are you How much is. his income? [clears throat]. >> He just got a new job. So, he's he got. like a 30 40 grand a year raise more. than me. What? What hits? More than you. >> More than me. >> Okay, then why are you taking on all the. uber expensive expenses? >> Cuz at the time of the divorce, we were. making the same. >> So,

>> and still like have him take the. furniture. You get some Facebook. Marketplace. I don't know. >> I don't want him to take the furniture. if it's in my name. How do I How can I. rely that he's going to pay it? >> That's right. It's in your name. He's. not on it. >> No, that's just me. So, I might as well. keep the furniture if it's in my name. I'm not going to give that to him. So, I kind of got stuck with it. >> Again, on an objective level, this is. not the worst debt in the world. It's. not an appreciating asset by any means, but what it is is it's it's fully 0%. until it's paid off if you make your.

minimum payments on time. It's just not. good for you cuz you don't. >> Well, this is literally the first month. that I have any late fee, like have like. not paid. >> No, no, no. One, it wasn't this month. It was earlier this year. two on the. last credit card. It's been every month. this year. Shut the up. >> Okay, but it didn't hit my credit. >> Liar or [ __ ] I can't tell. >> But that still means I'm making the. payment within the 30 days because it's. not hitting the credit. >> Yes. Why? Why is that okay to you, though? Cuz you're accuring fees, making.

this take longer to pay off. It also. means you're getting pushed to that edge. of having it hit your credit of which. last month it did on the last card. >> Yeah. >> Like you're on that edge constantly. You're a professional ledger. This is. endless. >> I don't have good concept of the fees. and interest. >> of being an adult. No, you don't. [sighs] It's so stupid. Yeah, cuz there is. Yep, there it is. The interest that has accured has been.

through purchases. There it is. It's. literally right there. So, at some. point, you somehow figured out a way to. spend this. It's done. It's on there. >> You like you look at it. It is. impossible that it did not happen. You. cannot tell me it did not happen. Even. if you're confused, it doesn't matter. It doesn't matter. >> Huh? >> 9 cents of interest. >> No, you've had interest acrew this. No, no, no, no, no. Yeah, this last month, but. over all this year, it's been I mean, it's been $4. It's not huge, but it.

shows that you are spending on this card. and you don't even know you're spending. on it. >> I don't even have the card. It's the. indication. It's the indication that you. [sighs]. >> It's not a card. It was a. >> You're becoming impossible. I have no idea. Like. >> it is that is a card. The Ashley Home. Furniture card is it's a store card in. >> my wallet. >> Doesn't matter. It might be attached. somewhere digitally. You may have. accidentally used it. Might have. autofilled online. You don'ting know. clearly. And obviously I can't know. either. >> Well, I don't know what that is. But.

>> yeah, obviously no. Glad you got to the bottom of that. Kohl's. Great. Wonderful. What's going. on with this? That was a Kohl's charge I. had opened around Christmas time a few. years ago. I like to use it for. Christmas presents and shopping for the. kids. It's also really good for kids. clothes and. >> it's also really good for acrewing. interest in um almost being at maxed. out. >> Well, it wasn't even close to being. maxed out until I was in the most recent.

relationship. >> Why do I care what it was previously if. this is where it's at now? Why would I ever give a about that if. you were doing incredible now? I also. wouldn't care if you did horribly back. in the day. I care about where you are. This isn't. Reddit and Tik Tok that believes. whatever someone did in 2015 is what. they're doing today. >> I would say this is what you're doing. today. I don't give a about this was. acred probably in the past year.

>> Why? >> Christmas. >> Get doesn't matter. And the last. relationship he had three kids of his. own and I was helping to pay a lot for. them. >> Don't that's stupid. You don't have. money. Is you're putting on a credit. card that is interest that you cannot. pay off that takes 12 years to pay off. if you don't make any purchases which we. know you're incapable of. And we know. Christmas is coming on up. Oh, she's. coming. >> Do not come. >> Oh, I I'm going to come. >> Mhm. >> We're an October lady.

>> Yeah. Christmas is not going to be. great. >> You don't have to do a big Christmas. You don't even have to do a little. Christmas. You might have to say, "Hey. guys, we're there is no Christmas. Let. dad have Christmas." Cuz he's probably. not. >> That's what I've had to do. I've had to. tell him like Christmas. >> You just acred this from last Christmas. Liar. >> No, this Christmas coming up. I told him. you're going to have to take over. Christmas. He said, "Okay, >> good.". >> He's going to take over Christmas for. the kids. >> cuz he's reasonable and responsible and. acting like a good parent.

Minimum monthly payment $80. $57.13 of interest acrewing. Balance $2269. Had a late fee this year so far. Not. this month, but it's been this year. You. know nothing. You know nothing. You don't know what the is ever going. on. $500 in interest approximately this. year so far created a 30.24% interest. rate of death. That's the highest one.

>> Nope. Ashley is the highest one. When. you make purchases of which you're. unaware of at. >> $3 of whatever. >> No, you don't understand why that is. scary. First of all, that's what's on. there right now. That's not on there at. the beginning of it cuz more than that. has been recruited in interest. So, one, you clearly just don't understand the. concept of purchases and interest and. balances. Two, it what the terrifying. part isn't the dollar amount. It is the. fact that it got spent on there and you. don't even know how. >> fair.

>> And your kids can no longer be an excuse. for you putting things on credit. It. just can't be. That's nasty. You're the. one who swipes. You're the one that. makes the final choice. You're the one. that budgets. You're the one that tells. your money where to go. You cannot use. your kids. You want to give your kids. things. I want you to give your kids. things. You are choosing when and where. and how and what. Stop using them as an excuse. It's. disgusting. Oh, pass due payment. Here it is. Quicksilver. What's going on, lady?

>> That Quicksilver has been with me, I. think, since college. So, it's been. around for a while. I think it's. probably my longest open card and um. just has thrown, you know, random things. on it and it's just stayed at the max. It just. >> stayed at the max since then. You're. over the limit. by 64 bucks and.72 cents. >> in my current position. Yes, but in the. past I have. >> position that we've been in for minimum.

four months up to 7 months. >> In the past, I've paid large. >> Oh, I see an IRS logo coming. What is. happening? What is this episode? >> Continue. >> Um, >> in the past you paid down again. Why do. I care about the past? >> You don't. >> Why do I care that you've been. successful in the past? You're not right. now. That means nothing. That means. nothing. Now, there have been little. charges that have added up. >> If you had a performance review, you know, your fifth year at a company, and they said, "This last year, you've.

been an absolutely horrible employee. Can you go in there and say, "Well, don't put me on a performance. improvement plan. I was really good my. first year." That's not how this works. That's not how this works. Okay. Listen, I'll give a shout of. praise. Can we bring in Christian for a. second? All right, Christian, come in. I'm going to slightly embarrass him. Come here. Come here. >> I'll do this. >> No, no, no. But it's going to turn out. good in the end. >> Mike,

>> come on. >> You're going to be. >> Well, you're just standing for like two. seconds. So, come on in, Christian. He's. the head of uh Hammer Elite, the. membership. He runs that whole thing. Here's the thing. Listen, he's another. example, except he's the he's the. opposite of you. It starts bad, it ends good. He when he first started. It was wild. He kind of uh abandoned his. work and kind of left to Bolivia or.

something for a few months and he quiet. quit by just stopped uploading and. didn't do anything. And then he begged. for well he did well he kind of begged. for a job. We didn't hire him. We hired. someone else. Then he begged for another. job. We didn't hire him. We hired. someone else. Then finally there was. another job. We just couldn't find. someone. We need someone. Okay, maybe. we'll just give Christian a chance and. he started to load the bottom pole and I. didn't trust him. And it it took a long. time to build that trust. But he was. grinding. He was showing he really.

cared. He put in the time, the effort, the creativity, got to know him, understood kind of what happened before, and he really built up and now he's. running this whole department and he's. doing a lot of good things. What he did. in the past no longer matters because he. is successful today. What he did when he. first started was a mess. But he's not. judged on that. You're only judged on. the fact that you are above this credit. limit right now, not that you weren't. before. So stop bringing up this past.

thing. It doesn't matter. It doesn't. matter. Doesn't matter what I did 5. years ago, 10 years ago. It matters what. I did today. Same with him. Same with. you. This is what you are. And this is. what an adult thinks about, not a child. Again, this isn't Reddit or Tik Tok. where they can't get over things that. people did 5 10 years ago. You seem to. have that brain. All that matters is. you'reing it now. Thank you, Christian. Bye-bye. >> Thanks, Christian. [laughter].

>> So, shocker. We have fees $29. added. interest $39.94, minimum monthly payment 150 bucks now. cuz the minimum payment probably a. little out of hand right now and that's. why they're now becoming missed and late. >> spent $1,100 on bull mother you. >> $75 is likely the normal minimum you owe. $2,64.72. years to pay off if you actually pay and. if you don't purchase which I assume you.

do when there's actually room to. purchase. There it is. Pass due. It's. your only one this year on this card. Surprisingly shocking, but almost $400. of interest acured. We're talking at. least a whole month's paycheck at this. point. Interest and fees. You've worked. an entire month this year just for the. interest and fees, not including your. mortgage. >> I've never seen the numbers put that way. before. When it's put that way. >> Well, how do you look at the numbers? >> I look at what I have available to spend. and then I spend it. >> But you have nothing available to spend.

Oh, I'm aware of that now. with the way the minimum payments are. and the fact that I've literally had to. miss payments to pay mortgage. Yeah, not. great. >> Reprise financial. What even is this? >> That is a personal loan for the lawyer. >> Oh my another thing for the damn lawyer. >> Yeah, it's expensive to get divorced. >> It is. Why was this so messy? Why. couldn't you guys agree on anything? It. took over a year. cuz it took a shift. last October where we had to refocus.

what we were doing. >> to from. >> um I don't really want to get into it. but. >> okay. >> it was it was just the lawyer had to put. in more work to rework the divorce. decree. basically having to start from scratch. so I needed to give her basically two. retainer fees of like $4,500. And the majority of it, as you could. see, was not, you know, obviously money.

out of pocket. It was through personal. loan and a credit card. >> $3,395.90. owed. Minimum payment $11210. It just stacks, man. It's just stacking. I can't I I can't figure out what the. interest rate is. Do you know the. interest rate? >> No. I don't. >> actually well I don't know. >> total fees and charge other charges I. don't see. >> is there an interest rate on that I. don't. >> maybe or maybe it's interest free for a. bit.

>> I don't [clears throat] think that that. one has an interest rate if I'm being. honest. >> for now highly I doubted zero forever as. a personal loan that would be crazy. everyone in the world would be taking it. out for everything for investing even. unless it's specific for like a legal. group like they allowed you to finance. through the legal group. >> no I think I think that was one of the. personal loans I got through a credit. karma. >> Then definitely not 0% for long. I'll. tell you that now. Why the is the IRS. logo in front of me? >> I can explain that one. >> Well, I Okay. Correctly. Let's find out.

>> So, when me and my ex-husband were um. still married back in 2022 and 2023, he. was working two jobs. Um he was not. having enough taken out in taxes from. the two jobs. I had enough taken out for. my job. When we went to go file married. joint, we owed a lot because he wasn't. putting enough away in taxes from the. two jobs. So for the year 2024. when we filed, he was going to owe I.

think like together we were going to owe. like 10 or 15 grand. >> Yeah. Welcome to taxes. You guys made. money to pay your share. >> He made a lot more than I did. And. again, I was paying taxes properly on my. portion of income. So, I didn't want to. be attached to all of that and have to. split that down the middle. It was. cheaper for me to for us to file married. um separately and then I wasn't able to. claim um two of the kids. I let him in. order to make up some of his debt.

>> You're splitting it down the middle. No. Right. Is that. >> So, the divorce decree says that we can. um cuz we have an even number of. children, we can [clears throat] each. claim two and two. So, it's fair. So, what's the issue? So from what I owed or. what I would have owed because we still. had to file married separately. We were. still legally married as of the last day. of last year. We didn't finalize until. this past January. So um filing married. separately, I owed my portion three. grand and I wasn't able to make up the.

difference for that because I let him. claim all the children to offset his IRS. cost. >> Why Why would you do that? >> Because I'm I was trying to be a nice. person. I know, but that's it's not even. fair. >> Well, >> is it? >> Well, because he was saying that we. would just file married jointly, but. then I didn't want to have to split the. 15 grand that we were going to owe down. the middle. >> Why would you have to split it and not. him if we were kind of. >> That's what he was arguing with the. divorce lawyer was that it would have to. be split um expenses. Like that's like.

split down the middle. Like what? >> Okay. Well, 3,000 is not as bad as. putting 15. So, okay. That was the only. >> It's owed in approximately uh wellund in. 10 days. >> I have to set up a payment plan with. them. >> You have. >> I have to. >> Dude, you have 10 days until fees and. interest start going insane. >> I had a payment plan set up with them. It fell through because it wasn't. because the payments weren't going. through because the money wasn't there. >> Oh, you what the I mean, they can. garnish. Well, all they have to do is. garnish one of my paychecks and then. never worry about it again yet.

1,100 on bull. This still doesn't make. sense. >> I still haven't seen what this is. So, >> we haven't gotten into spending yet. It. obviously doesn't seem to be on the. credit cards. >> Yes, I am fully admitting there is a. spending problem. There always has been. As long as I've been able to have a. dollar in my pocket, burned a hole. >> Then how can you say the IRS set up a. payment plan but failed cuz there was no. money there? That was your choice. >> You're right. The priority wasn't on. that. >> your taxes. Your priority was on. McDonald's over taxes.

>> My priority was my fear overcoming the. fact of like how am I going to tackle. this? >> I've never been I've never had any. taxes. I've never You're right. And but. >> well, how does your fear not lead to. action? If I'm afraid of something, I go. crazy. I go. >> because as you're realizing it is. accumulating to so much that I am like. internally starting to shut down. Like. it's it's just. >> So you're going to let it happen even. more, making the fear. >> I'm having a hard time prioritizing what.

needs to go where first. I know that I. have the I have the income. I have the. math. The math is going to math. It's. not mathing right now because of where. I've accumulated everything to the. minimum payments, the IRS debt. I had to. take on the divorce money. [clears throat] like between paying the. lawyer, trying to get through my. divorce, the loss of income for the. first time ever in my life. Everything. is coming to a head and I don't know. where to tackle it first. I have no idea. where to start. No idea. >> That sounds so reasonable, but the.

answer is literally going out to eat and. the other [ __ ] Like what the. obviously that's the first thing. All. right, listen here financial audit. I've. curated the exact resources and tools I. personally use or would use if I was in. certain situations. So take advantage of. these offers in the resources section in. the description below. The first one, I've moved my investments to Weeble. Do. the same and transfer to my investing. app of choice and you get cash bonuses. of $200 all the way up to $30,000.

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And other thing is if you say, I don't. know where to start first, make a. budget. And then you know it's not. complicated to make a budget. You get. the the budgeting course. You get all. the good stuff. I mean, >> I have never my entire life, I have. never. >> You keep saying that over and over. again. >> Cuz it's true. Cuz I. >> But that doesn't make sense. For four or. seven months, whatever we want to call. it, you've had the opportunity to learn. It is not complicated. Nothing here is. revolutionary. Yeah. Yes. Hundreds of. thousands of people have improved their.

life in the show. And my life is. absolutely chaotic. >> 100 I should say. >> It's my my life. >> Everyone's life is chaotic in different. ways. It is incredibly [snorts] harder. as a single mom. I'm I'm like I have. >> That's a brand new thing and you It. >> is a brand new thing and I'm having a. hard time. >> You've been in bad debt before that. >> I You're right. You're absolutely I'm. not denying that. >> I'm not going to use that and cry with. you on it. Like shut the up. The last. card we talked about uh you were like. it's been up and down ever since I got. it in college. That's not single mom. >> No, it's not.

>> So like what is that? What does that. >> habits carry through? The habits carry. through and then hope. >> I have never got to grieve my divorce. and grieve the last relationship. >> No, I cuz I was I distracted myself with. a new relationship. >> No one died. Who chose to divorce? >> I did. >> Then I'm sorry. I'm going to tell you to. shut the up. >> It's still a loss. We had a whole life. >> It's a loss. Yeah. You guys split 50/50. and including custody, which means you.

guys see each other and you guys are. near each other and you're the one who. chose to kill it. >> Yeah. >> And you're the one who chose to do it. I. don't know. It's hard for me to have. sympathy on that. If you're not the one. who chose never been married and gone. through a divorce and had kids, then you. can't really say, can you? Because. >> No, but you're still the one to do it. And I've chosen to break up with people. It's not the same. But it was your. choice. >> You literally are married and have. children and have those intimate moments. where you chose to do. >> I did choose to do that. You chose to. stop. That doesn't mean that it doesn't. hurt when it ends. >> Have the chance to grieve. Okay, fine. You get a chance to grieve. Why does.

that mean you completely your life while. your chance to grieve? 7 months since. the divorce. A year and seven months. since you decided how to I'm learning a. year and seven months. First time in my. life to. >> Oh, here we go. And it's broken. I have. never had to manage a household. independently. Never in my life. >> It doesn't matter if if you were uh just. a single whatever person, no kids, fine. You get that choice. You have kids. You. don't get that choice. You don't get. that choice. >> You're right. And I.

>> It's not an option. I don't give a. >> My entire life, I have relied far too. heavily on my financial partners that. have contributed. It's true though. I. have I have always had someone to back. me up. I I am the I will be the first to. admit I was not a responsible. >> financial partner. You are not a. responsible person. >> I'm not responsibly finan. Yes. No, you're right. I have. >> finance. Why do you have SNAP? But isn't. this usually tools? What's SNAP? >> Snap Finance. That one is uh That's my.

car repairs. I had to have my car. repaired this summer. And I'm sorry, but. like four kids have to get around. places. Like I had to do that. >> Oh my gosh. Just bring everything back. to get like no like you need a car. regardless. It has nothing to do with. the fact that you have a kid. Like I get. it. Shut the [ __ ] up. You can also Uber. with kids. I'm not saying do that. I'm. not making that argument. But the thing. is every time there's anything you fall. back on, BUMP KIDS. MY KIDS. MY KIDS. LIKE, SHUT THE [ __ ] UP. People do. things. People have kids. >> You're not a crazy unique person.

>> You're right. People have kids. Yes, I. know. >> Like, like, shut up with it. It's. obnoxious. $1,66024. Minimum monthly payment $8543. >> bi-weekly. >> Oh, they take that every check. And when I. had to have the repairs done on the car, I was under the impression that I would. be able to pay it before the 100 days. was up. And now there's like not an.

interest rate on it, but they're. charging me 2 grand basically to like. to have it. >> What was the repair you needed? >> Um, I had a giant hole in my canister. underneath my car that needed to all be. fixed. >> What car do you have? 2022 Chevy. Traverse. >> Okay. Fortiva. >> Yeah. >> What the even is? It just looks like. another credit card. >> Foriva was the company that financed my. Vivant equipment for the home security.

system for the house that we got when we. first moved in in April of 2023. I was. left unattended with the salesperson. that came to my door and I signed up for. >> Oh, you have no responsibility or. ability to think for two seconds. My. husband at the time was out with my son. and they came to the door and I was. like, "Yeah, we need home security. That. sounds great." And I signed up for it. >> What is wrong with you? And now interest. and fees are acrewing. Balance $1,99010.

Minimum monthly payment $98.75. >> Yeah, they gave me a credit card. >> Yeah, they did. And they made a ton of. money off you. Well done on that. Basically maxed out. So it's almost like. it just happened. Oh, nope. You were. above the limit literally last month. Kill me now. Yep. Late payment. WHO. WOULD HAVE THOUGHT? $41. fee. $32.75 interest. You've had three late fees this year,

>> but none have hit my credit. >> Doesn't matter. It's more money you owe. You dumb. >> I've never. >> thousands in interest and fees. >> Thousands pay attention to that. Why? >> Like I guess just ignorance. Like I just. don't. >> ignorance. >> Yeah. Like. >> in what way? >> Well, ignorance of like. >> you didn't even know it to look. >> I mean I know that there's interest. being added to it. I know that there's. fees, but I'm not. >> I don't know if that's ignorance. That's.

more willful. Yeah. >> Yeah. It's neglect, >> which is irresponsibility. That's not. ignorance. I can relatively excuse. ignorance and call it out and yell at. it, but just willful neglect is you. You're just bad. You can't you you can. you should never be someone who's around. debt. I'll get you a course, career. certification, accounting, take an. accounting thing. You don't need it for. your career, but you need to learn. accounting for your life. You need to. look at documentation. Usually people. get that in the audience and then they. get a higher paying job. But you just.

need to be able to look at your damn. accounts. >> Yeah. >> And again, with these fees and. everything, if I got you on the Weeble. app, it's the it's the app I use for. individual investing. Okay. If I got you. on that with the sign up bonuses and. everything that we have, you know, link. in the description below, all that good. stuff, it's hundreds of dollars. Even. that alone is nothing compared to you. just sitting here taking late fees, thousands of them, thousands of dollars. of them. Tens of th upward of $10,000 of. interest. Like, it's insanity. None of.

the best benefits you get out there. through sign rewards or investing in the. market, you're losing to everything. because you're completely with your. decisions. IS THAT ALL YOUR DEBT? NO, THIS IS A. PERSONAL LOAN. >> NO. 26,700. My car. That's my car loan. >> You said it's a 2022 Chevy Traverse. >> Yes. >> $26,78.74. >> Mhm. >> What the What's the interest rate on. this? >> Uh 6.25.

>> It's not It's in that middle ground of. like is it bad? Is it good? It's not. good. >> with the car. So, this and my ex-husband. will tell you and I think he stands by. this to this day. This was the worst. financial decision I had ever made. >> What do you think it's worth? >> Um, it's worth about 20. So, I know I'm. about underwater. >> Just about. >> Um, so. >> what's your minimum payment on this guy? >> 518. [snorts]. >> Oh, they're stacking. That's a long. term, too, then. >> It is long. It was like 72, I think.

>> For sake, you're going to have this. forever. >> I mean, I anticipated it. I will never. buy a new car ever again, though. But. >> I hope so. We'll see. Who knows what guy. you'll get in your life next that. convinces you to? >> Nah, >> I don't think a guy could do that. Um, anyway, so. >> me and ex-husband almost went through. divorce back in 2022 when I purchased. this car. >> and um. like my I'm going to go get the car that. I want. >> Oh, what a good wife. What a good.

partner. What a good spouse. What a good. mother. >> I mean, we were like drawing up divorce. papers like it was that far gone. And I. was like, "Well, then I'm going to go. get the car I want.". >> Why were you almost getting divorced. then? >> The same reason we got divorced then. What was the same reason? >> It was just we didn't we didn't get. along. >> Oh, yeah. Tragic that you got divorced. then. >> Well, we got pregnant very early on in. our relationship. So, we tried to do. what we thought was best and just stay. together for the kids. And obviously, >> you kept having more. >> Yeah, we did that pretty well. >> You're good at one thing, taking dick.

[laughter]. Anyway, so my friend, uh, my coworker, her boyfriend was a car. salesman, and I was promised to have a. great deal, and they added about 10. grand worth of stuff on top of the car. that I had to later get off, including. additional like bumper-to-bumper. warranty. Um, they tinted my windows, like things that were I just wasn't like.

didn't read the fine print about. And I. overpaid by yeah about 10 grand on that. car. And so originally. >> Oh, the interest isn't great. >> The loan that I had um through the. dealership, my car payment was like $8. or $900. >> 1,500 in interest. >> I had another coworker who recommended I. go through the credit union to get my. payment lower. >> Student loans for nursing. Yeah. >> Student loans. Yep. >> Student loans to be a caddyy.

Do they teach that in nursing school. >> to be caddyy? >> Yeah. To be a drama queen. >> You learn it on the job. >> Mhm. $34,893. Feel like I haven't had student loans in. a while. I feel like everyone's been. non- studentent loans these days. It's. interesting to see it, especially the. federal. Uh oh. Why is it in forbearance. right now? >> Um. >> Oh, you were in a pay you were in PSFL. or something. Well, so no, they put me. on um like because of the flooding we.

had in the area, there was some sort of. like deferment that they automatically. gave me. >> Flooding we hit. >> back in July. The flooding. The floods. You remember the great floods, right? >> Yeah. The great floods that affected far. far west. >> Well, they said I was within the area. and so I took the forbearance. Well, interest is acrewing well, you. don't have to pay. So, well done on. that. Top one being a 6.54.

of which I would pay off quicker than. minimum even would suggest. You have these going through 2049. as the estimated payoff. >> Yep. School's expensive. >> What was your minimum monthly payment? >> Like 234. >> Yeah, sounds about right. Well, no, you're lower. And then they uh we did. like the save plan and. >> ah that's probably why actually like. listen you'll start facing punishments. next year. >> Oh. >> next year next summer like 9 months from.

now 8 months just about. >> when it came out of. >> but you can get on the wrap plan the. repayment assistance. >> payment. >> that is the new Trump administration's. plan for you and your income. I could. see you doing about I could see your. payment being about 150 bucks. That's. not bad. Cuz with the save right now, what they put me at was like 133, I. think. >> Yeah. >> So, it'd be pretty similar. It's just. because you don't have a bad income by. any means. >> Yeah. Okay. Well, >> okay. PNC. Okay. Is that the end of your debt.

then? No. This is a due date. No. What. is this? You're pass on what? >> What? What is this? >> That's a private student loan. >> You're pass on your private student. loans. Really? Really? A $6210 payment? Really? $400 going out to eat AND YOU. SURPASSED ON THIS? WHY? Just why? >> Well, because when it was due, the money. wasn't there. And when I wanted to go. out to eat, the money was there. >> Oh, what a disgusting what a disgusting.

I I I just I'm I'm losing sympathy with. anyone who says they can't afford to. live in this country anymore. I really. am. Knowing that even by all standards, disposable income after all necessary. expenses to live, which is typically. what disposable income is in like its. truest sense, the poorest states in the. United States have more than the average. median person in the United the entire. United Kingdom. We do so well here. Even. the poorest among us, I am losing. sympathy. Look at you. You make money.

and you squander it and you it all and. then you say, "I can't play mobiles.". Yes, you can. You're a degenerate. What a joke. [sighs]. 62 is your normal minimum monthly. payment. Of course, you have double. right now. 6210. Um I don't know what the overall balance. is. What is it? Can you tell me? >> Like. it's 3,785,000. Not even that crazy when it comes to. student loans. Interest rate is 8%. So.

that's not good. So I' tackle this. Late. fees. Late fees. LATE FEES. LATE FEES. OH, GOOD. $7 IN OUR CHECKING ACCOUNT. Literally $8,553 came in and there's. only $7.79. left. What a joke. Started with two. Started with $2. Amazon Prime. Zelon 115. Ven 150. Amazon. Prime. Going in and getting some bull.

Hey, when you stop in the store and you. only get like a few dollars of things, what is it? Like. >> cuz it's never groceries in America. We. don't do that way. We go, we bulk spend. and then we take it home in our nice big. old pickup trucks. That's freedom. We. don't do the European walk to the. grocery store, get what we need for the. day model. So what the are you getting? >> If it's at HB, it's probably like a. gallon of milk. >> Get. Well, if it's I don't know. I think I. spent like $11 on like band-aids and. first aid stuff my kid needed. Like. >> I'm having a hard time believing. trusting you based on everything you.

have done in this conversation so far. not even knowing you had late fees and. stuff. [sighs]. Smart Hub1 $127 went and got some bull. $108. from Target 8983 I highly and then. another Target $12.95. I doubt you're. just endlessly going in and getting only. necessities Apple Cash sent out $144. Listen, >> you're probably not an energy drink. person, are you? No. Because that's. okay. That's what most people stop in. and get. And honestly, again, just like. making your coffee at home, instead of.

getting Starbucks, get theing gamer. subs. You can take one of those free. samples right there. You guys can get. free samples link in the description. below. Type in code hammer or get 10%. off when you purchase the gamer subs. flavor of your choice. Uh it's 25 cents. a serving. It's like making your coffee. at home instead of going to Starbucks, which you should be doing instead. So, that's what I would say. Good. You're. making your coffee good. And make your. energy drinks at home, too. Why not? It's so easy and it's so cheap. Movie. theater zing out 20 movie theater.

Amazon uh uh when they got some [ __ ]. or it's a restaurant. I can't tell. Ven. on 100 bucks. ATM with 103 7 Oaks coffee. Taylor Swift shop you. It was all necessities guys. PayPal and. out 950 fanfix. Fanfix. >> I think that's like a material. >> No, like a subscription on Amazon for. something. M. Crunchy roll. >> Spotify zeling out 30 uh winning got.

some [ __ ] out 60 Austin airport zeal. out 20 Etsy door dashing Wendy's we're. door dashing but we're not paying our. mortgage dieash. anything actually. >> Okay. Door Dash and Wendy's. Why is that. on your checking account? >> That was when I was back home for my. friend's wedding. >> That's when I Door Dash Wendy's even. though I whatever Door Dash. >> Wendy's my Door Dash. Oh my god. I was. home for my friend's wedding. >> Hey, you didn't pay your mortgage. I. don't give a You didn't pay your credit.

cards. I don't give a sec. I got some. [ __ ] Amazon. Venman on 175. Cooper's gift. Amazon. Amazon. Pull off. that Amazon. By the way, we're about to. go through it. Apple bill. Got some. bull. Winning the Bies and got some. bull. Uh, care.com reoccurring purchase. >> That was a one-time membership. I had to. find a babysitter. Well, my mom my mom. normally watches the kids. >> Okay. Went and got some [ __ ] Ros's. Cafe went and got some [ __ ] Amazon. taking the toll roads. You do not have.

to. I know where you live. You don't. have to. It just takes a little longer. It's okay. You should not be paying for. tolls. YOU SHOULD NOT BE PAYING FOR. TOLLS. >> WHEN I HAVE TO GO GET MY KID BY DAYARE. BEFORE they close, I pick I get the. toll. >> If you can't pay your mortgage, no. tolls. >> No tolls. [ __ ] What do you want to. see on. >> uh your order page? Academy Sports when. I got some [ __ ]. [ __ ] Scooters coffee. Amazon. Lucky. Rabbit. Uh Academy Sports. [ __ ] at.

Academy Sports. Georgetown Youth. Yeah, but you went and like got a drink or a. soda or whatever. Zelonar 150 bucks. Animals. There's the animal. Ven 240 and. Venom out 80. Are all the Venmo going to. the X? >> All the zels. Where they all going? Unmos are going they were going to the. babysitter and then um helping my mom. and my brother financially. >> Screen recording blacking out all. private information. We got uh a book. for the kids. Don't need that. A shirt.

shirts. Don't need that. Cute fluffy. toy. Don't need that. Keychain baseball. ID badge holder. Don't need that. Aesthetic rainbow ID badge holder. Don't. need that. Another one. Don't need it. Bluetooth mouse. Maybe. I don't think. it's 100% unnecessary. Heights. adjustable rectangular computer monitor. thing. Don't 100% need that in order to. survive. Coloring pencils, don't need. it. Uh, giant rainbow five balloon. number five, don't need it. 18 star. balloon, don't need it. Uh, pixel cube. foil balloons for Minecraft, don't need. it. 48 piece cat cupcake thing, don't.

need it. Stickers, don't need it. Minecraft creeper, don't need it. Minecraft stuff, don't need it. A five. balloon, more balloons, more balloons, more cupcakes, more suckers, more. squishy toys. >> Twins had their fist. >> Yeah, I don't give a You can't pay your. mortgage. Socks. Baseball socks. I will. accept that one for the kid. Uh cuz I. would rather them do that in enriching. things than get balloons. >> Birthday party. >> They honestly 100%. >> It's so much cheaper to buy balloon. >> They did not need to do balloons. Yeah, but look at how much you spent on all. this all stacked up. The little things.

balloons, cupcake toppers, that [ __ ] all. cost money. >> I agree. You're not paying your. mortgage. The roof over their head is. literally the most important besides. food. Sandwich cutter. You. >> They have to bring their lunch. >> Shut the up. You don't need a sandwich. cutter. You have a knife. You dumb [ __ ]. I don't care. You have a knife. >> Cat ear headbands. >> We got some I don't care. You can't pay. your mortgage. Leash. Okay. Shouldn't. have got the dog. Collar. Okay. Shouldn't have got the dog. Balloons. Balloons. Endless balloons. Endless.

stickers. Endless Minecraft. Endless. [ __ ] It's all nothing in here is a. necessity except the baseball shoes. That is it. And the collar and leash. because you at least need them. But you. shouldn't have got the dog. [ __ ]. Bull. Bull. When I got some [ __ ]. Got Starbucks. McDonald's now. When I. got some bull sling TV, what the Who. even gets that? When is I got some. [ __ ] McDonald's. When I got some. [ __ ] Uh, went inside. Got some. [ __ ] YouTube. Uh, Google YouTube. prime time. I don't even know what that. is. Uh, Uber crunchy roll.

>> Went inside. Got some [ __ ] Went. inside. Got some [ __ ] You're always. getting drinks, snacks at the baseball. park with the kids. [ __ ] [ __ ] [ __ ] [ __ ]. [ __ ] [ __ ] [ __ ] [ __ ]. All going inside, getting some [ __ ]. and getting some drinks and snackies at. this park. Pack your I don't give a. Yeah, look at it. Look at it. Uh-huh. You're damn right. Minimum. 1,100. It is likely more closer to. 15,600 in [ __ ] spent. I don't want. here. Any balance in this $3. Oh, good. Selling out 145. Ending balance $3.96.

Ridiculous. Retirement at 31. Yeah, her. kids are going to have to pause her life. and take care of her. 1,718. Wonderful. That's her rollover IRA. So, pass 401k. Oh, and that's our. retirement. Oh my gosh, what a joke. Fanfic. Uh, yeah. Isn't it a fanfiction website. where they write smutty fan service. stories? >> That's definitely not what I'm paying. for. It's a subscription. I don't know. which one it is.

>> You sure the seven-year-old's not. becoming a little gooner? [laughter] No. >> God. Okay. >> I have Yeah. No. Wait, isn't how much was it? >> I don't know. I don't have it in front. of me anymore. It. >> that might be the cost of Amazon Prime. >> No, it's fanfic, dude. >> I don't know. >> It would say Prime. Okay. Income 6,000. Okay. Mortgage is typically if you're. responsible, which you're not, $3,185.

Debt minimum payments outside of the. mortgage is $1,570.81. Gas, electric, internet, all those. utilities combined. How much? Average. month? [sighs]. >> 131 150. Uh, >> go just average. Come on. >> I mean, like probably 400. >> Okay. Gas, from drive. Um,

including insurance. >> Gas. >> Oh, gas. Sorry. Um, like 150. >> Car insurance. >> 250. >> Phone bill. >> 144. And that's rolled in with my. internet. It's bundled. Oh, >> okay. So, I I should take away from the. utilities. >> No, I that's including Okay. If you ever. want to separate and do Helium, it's. great in Austin cuz T-Mobile's great. here. Same towers. 15 bucks a month. $700 for food. I think.

I could actually go a little lower. because you split halftime. No, 700 is. good because you split 5050. >> I don't come anywhere close to spending. that. >> Well, no, you don't. I don't give a what. you do. You're meal prepping. You're. using the cookbook. You're using the. budget uh sheet that we give you the. education. You're meal prepping. You're. cooking a few times a week. I don't care. if they love the food. You're meal prep. Meal prep. Meal prep few times a week. Warm things up. Overnight foods. It's a. lot of things like that. And you're only. getting them 50% of the time. So, I. don't give a TP fun. Anything else you. need to survive? This includes you, your. kids, and sports funds. I will try to do.

250s, toothpaste, all that good stuff. It goes to new socks, all that good, goody, goody, good. Medical, healthcare. Any co-pays on a monthly basis? >> Maybe like 60 bucks. >> Is there a gym? >> Uh, there is. >> How much? >> 36. >> $50 for pet insurance. Make sure you. >> I don't have pet insurance. >> I know you will now because no way you. can afford to keep this dog alive, which. is why it's irresponsible for you to. have gotten the dog. $50 pet insurance. How much for pet food? M like 21 bucks a.

month. >> Subscriptions. I'll try to do 35 bucks. >> A lot of my subscriptions are also. >> subscriptions will be cancelled as well. Anything else that needs to be in your. budget that I have not taken in account? >> No, >> these are the necessities. These are the. You're living down in the dirt while you. are trying to. pay off debt and get above water. That's. what this is. This isn't your budget for. the rest of your life, nor would I ever.

want it to be. Okay? This is a sacrifice. budget. This is a temporary budget. This. is a you need to do it budget. So, I. don't know if you have a choice. You. really don't because you're over by. $685.34. So, I have good news. The good news is. on the weeks that uh you don't have the. kids, you are doing Uber Eats and Door. Dash or you're doing uh you're picking.

up extra nursing shifts on the weeks. that you don't have them. Even if you do. have them, I would love to see you do. it. If you can make an extra $2,000 a. month. >> Easy. >> Easy. >> Mhm. >> Okay. Well, I'll take your word for it. >> Well, yeah. There's I mean, nurses are. always in need. I can make a shift. anytime. Yeah. But I have help. My mom. helps me a lot with a lot. >> If that's the case, can you make 3,000. hours extra a month? >> How many How much? >> 3,000 extra. >> That's pushing it. >> Okay. Call it 2,000. It gives you an. extra 1,300. We'll call it. Listen, the.

debt outside of the mortgage, $86,37845. of bad debt, $1,300. I mean, you can pay off debt in 66. months. Yeah. I mean, you can pay debt off in. about 5 years. Your income will scale. It'll increase, but it's 5 years to. sacrifice and really working your ass. off, but it's worth it because again, I. mean, a kid won't even be graduating uh. or a kid, one kid will be close to be. graduating high school and you'll. finally be independent. they won't have. to take care of you and the rest of the.

kids are going to live a great. childhood. It's a temporary sacrifice. and it is totally worth it. Then you get. a fully funed emergency fund and then. you're living 50 2525 50% on needs, 25%. of fun, 25% to investing. Your income. should catch up and you'll make more. money to where that mortgage should be. closer to uh less than 50% and your. needs you'll keep tight so you can have. fun. But if you need to stretch your. needs to about 55%, you then do 20% for. fun. You do not take away from investing. because you need to catch up on. investing. So that's what you're doing. from here. That's it. It's going to be a fiveyear.

process call at six after you have the. emergency fund. Then 50 2525 or 55 20. 25. Let's get this hammer financial score. and we'll jump into the post show. Hammer financial score. spending and Oh, sounds like we might be. calling the ex-husband in the post show. cuz apparently he's coming in always. bailing her out. Okay, we're going to. call the ex-husband in the post show. Let's get the hammer financial score. Okay. Spending your budget, overspent, zero out of 10. Debt, you have IRS debt, zero out of 10. Emergency fund, nothing.

in savings, zero out of 10. Retirement, barely started, one out of 10 for your. age. Real estate is the only thing you. have to your name. However, it's too. high of a minimum payment for your. income. And if you sold today, you'd. lose money. So, it's not that great, but. at least you're in the market and you. can ride at some point. That gives you. some credit. But four out of 10 there. Actually, I'll give it a five out of 10. cuz the interest rate is incredible. It's going to be a Hammer Financial. Score, one out of 10. Click that join. button or use the link in the. description below, guys. Join Hammer. Elite 3 premium shows posted every. single day Monday through Friday. including an extra 20 minutes of this. episode which is called the Financial.

Auto Show and I'll see you there where. we call the ex-husband [music]. and confront her. I'm with your ex-wife. How much debt outside of the mortgage do. you think Taylor has? >> 40,000. >> $85,000. >> I can take the house from her. >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is.

the best membership you'll ever join. That's a promise. [music].