Controlling Karen Resents Her Deadbeat Husband | Financial Audit

Hi, my name is Athena and I'm 32 years. old. Hi, my name is Carter and I'm 35. years old. We're based out of Oklahoma. and this is Financial Audit. So, this has already been interesting. cuz they don't know. We just started. filming, but the tension's a little high. here. It's been a little little testy uh. here. So, we're married, right? Yes. Yeah. Okay. So, what's going on in. general? I guess I may as well just ask.

that out of the gate so we can get a. picture here. So, I love my husband. dearly. We've been together almost seven. years. We met in May one year, started. dating June, got married in November. We're two months pregnant on purpose. It. was now or never for me. Wow. Um, when. you know, you just kind of know. And he. was a very different person back then. But, uh, I don't know if life's gotten. good and he's self-sabotaging, but we've. had very big conversations on the fact. that like if we don't start to rope this.

in as a couple and not me just saving us. um, financially, you know, figuratively, then I'm kind of like got to make. decisions on is this marriage and like. to me marriage is everything, but I. can't continue on this path. Are you. talking about divorce? I hate to say. that word, but um it yeah, it's it's. either looking at that or or just a long. separation so he can get right. And long. separation, that's some. heavy not specific accusations, but.

saying going down a wrong path or taking. some bad things. What What have So, I'm. sober nine years. I'm aa strictly alcohol. Um I didn't. even drink all the time. I just when I. did, you never knew. It went hard. Yeah. And I'm military and all that. So, you. know, I most people will say I don't. need AA. I love AA. I love the. community. I love sharing my story with. other women. I love men who come in and. change their lives around. I love to see. women grow. Like, I'm a big uh very big.

in the AA community. Sure. Um as. blaming. Yeah. He was sober for about. almost a year and we met like two weeks. Well, he we we met when he was two weeks. sober. um I didn't want to start this. relationship throughout the the the time. frame of us falling in love through. church and through guided people. He. asked me to marry him three times and I. was like you know what this is the path. I don't over with what? So he's strictly.

a addict um yeah so mainly at the end it. was. at the end of what at the end of all my. addictions cuz I went through different. phases with different stuff at So it's. finished. Yeah. No. Well, I mean I was. messing around with psychedelics. It's not that he messes around. Like um. when our daughter was 6 months old, I. found him dead on the floor and the last. thing the ambulance told me is I don't. know if he will live or die, but you can.

follow me. How long ago was this? About. now 4 and a half years ago. It was right. at the start of CO. Right at the start. of CO. Um when I had my third baby, we. were in the hospital. I was having a. very hard delivery and needed him and he. said he was coming off of a big binge of. wheat and couldn't he was sick to his. stomach, couldn't really be there for. me. There's been multiple times where. we've had these I love you. conversations, but we got to change. We. got to be better for our family. We got. to give our children, you know, the best.

lives. Like I love you no matter what. And it's not like I'm telling you what. you can and cannot do. Um, but it's to. the point where like you need to make a. decision if you just want to around with. these these things or you want to be. with family. Guys, today is a very. exciting day because we've put 6 months. of blood, sweat, and tears into the best. investing class you can find anywhere. online. We've compiled everything from. the real experts out there and left out. all the bull that other people try to. feed you. We will show you how to build. a portfolio that is not only.

time-tested, but works for you and your. specific situation. So, check out the. pin comment or the top link in the. description below and change your life. It gets a little crazy so you don't know. my backstory. Um, but before we can. when's the last time you've done Oh, he's done. The last time I've done any. opiate was that time she told me four. and a half years. That was the time I. was like, so now it's. mostly binges. It's could be anything. It could be a Jamba Juice and he's. addicted for that week and nothing is. going to stop him. Nobody's going to get. in his way, not his children. I have no.

idea what the Jamba Juice is. I've never. heard of heard of Oh, it's Well, we're. originally from California, but it's. like a smoothie place. It doesn't matter. with with him. She's just saying I have. an addictive personality to anything. I. thought that was a new drug. Oh, yeah. That's been invented. No, but um so. addictive personal I have an addictive. personality, which is why I honestly. don't allow myself to do a lot of things. that fall quickly into addictions. Um, so for you right now, it tends to be, like you said, psychedelics and.

uh, you don't think any of that's going to. accidentally lead you to spiral again. with these past addictions? If you had. relapses of any kind on any drugs or. anything? Well, yeah. When you're in. when you're in sobriety, you're supposed. to be anything counts. If you go in with. the mindset to get messed up, then that. is a relapse. how he went off on the 4. and a half years ago was because I. brought a bottle of alcohol into the. house for ear infections. Um my Indian. client, she recommended it and it worked. great and he didn't think he was an.

alcoholic but only a he ended up. drinking that whole bottle and that's. when. he bad decisions. But like we've had. this heartfelt conversation two weeks. ago of I don't think you love me. anywhere anymore the same as you did and. that's okay. What do you do? Don't you. smoke something? I do hape. What's that? So hopp is unprocessed tobacco, ash, and. different plants from the Amazon jungle. Now, two years ago, about two years ago, I had a massive stroke. And then I had a.

mini one after that, and they told me I. was going to die. There was nothing they. could do. We went to the emergency room. We've done all these testings. They gave. up on me. They said, "Plan your burial. Plan your life insurance. You're going. to die." Do this. Whatever. We both do. this, but not the same. See, it's a. spiritual plant medicine. I actually. work for the Kuntanawa tribe in the. Amazon jungle. I've been there. I've. made hape with them. Um I spiritually. distributed. I'm one of their guardians. in the world. Are you guys even. connected? You seem so apart. Well, it's we got in a huge fight.

Um two days ago. Two days ago. I think. even yesterday we had a very You decided. to come on the show well before that. It's just it's just everything for him. I think it's a lot of stuff built up. over time. He says it's the stress of. the kid. Little things will make us blow. up kind of. Yeah. I mean, she called you. ahead in the pre-show interview. essentially. Yeah. What are you going to. say when they say like your $3 drinks. are not a necessity? And he's like, "Well, crack is cheaper, but I won't be. a present father and you won't have a. paycheck coming in." When's the last.

time you smoke? I've never smoked crack. No, it's. But I don't I don't do those. Okay. I. don't know the difference. I've never. taken it. She calls her two. I did. He. didn't become an adult until 2 weeks. before him. When I was like 22 or something. I'm 35. now, so it's been a minute. Okay. Good, good, good, good, good, good. That. that's what's uh that's what's. important. You made it sound like via. the interviews and stuff that we had. that literally he potentially has smoked.

recently. No, he didn't. Okay. Well, that's how like it was taken. I said he. his choice, you can I don't know if you. record the calls, was Mhm. He's been. sober, but he did die on me one time. Yeah. Then I almost died because of. health reasons. I fixed that by going to. an going into my own body. Um and I. don't believe in any of that stuff. I'm. very black and white. I'm very in. sobriety. Like no CBD, no nothing. Like. that's sure all. And now I can't sit.

here and say that it can't help somebody. because it healed me. But I know that if. I die tomorrow and there was $500,000. because of my life insurance that I pay, I don't trust him with the kids and. doing the right making the right. decision. How many kids do we have? We. have three. Two together, one previous. pre. Who pre? Okay. But three. But three. times. Okay. Wonderful. Ages? Three, four, seven. I mean eight. Sorry. She's growing up pretty young one going.

into that middle school life, right? pretty soon if not already. Um, okay. No, pretty soon. So, she's only in. second grade at eight. Isn't first grade. five? I I don't know. They're stinky and. smelly. So, I I'm not Kindergarten is. five. Well, this is obviously a finance. show, but it is good to get the. background stuff that we've uh already. received on you. So, finances in. general. Well, first I'm going to I'm. going to get a finance score for the. household because we're still mar is.

wait is like is like the base of this. conversation like how close are we to. divorce? Could this like send it towards. that edge? For him it's never and for me. it was always never until like I had. this like I said I don't think you love. me like you used to love me and that's. okay. Maybe there's a woman for you out. there I I love you too much to that I. don't love her like you used to. I. probably don't show it like I used to. Why do you think you don't? Maybe cuz. we're just together all the time with.

the kids and I feel like I never get. time alone. I'm more introverted and. she's more extroverted. But you also. don't want time alone. You'd rather sit. there and play video games. That's my. time alone though. That's like where I. get to do what I want for me that makes. me happy and fun like and I don't go out. and do things for my own. The only thing. I go out and to do is help other women. stay sober. Go to meetings. Go to. meetings and every time I walk out the. door try and make money. Yeah. So, we're. both in a stage where we decided to have. these kids together. We said it was. going to be hard. We knew that we. weren't going to have much help and you.

signed on for that. And then we had this. huge conversation. He cries two weeks. ago and then says, "I know what I need. to do. I need to take. something and I need to go with him. I. need to take what is Oh, the kid 2B 2CB. of whatever psychedelic I don't know. It's not new. It's just uh No, I like. for you. No, but he needed to go inside. himself. And then the next morning he. tells me, "Oh, it told me I just need to. love you more and but also need to not. quit my games cuz I'll resent you.". Well, no. You ask, you set your.

intention and you go into it and then. during the trip you as your mind is. wandering these different directions, you realize like what it is you need and. I can't say that it like have you guys. seen a therapist together? I have tried. for years to go to counseling. Why have. you not? He doesn't want somebody to. tell him he's wrong. That's exact. You. said that exactly. We have kids, so we. we don't get a babysitter to have fun. How are we going to get it to do other. stuff? We can't even get babysitters. right now for both of us to have jobs at. the same time. It's very hard. So, I.

just don't see how it's going to work in. house maybe. Well, I I also someone who. could come to you. Oh, I also suggested. that we can go one-on-one, but again, too expensive. We don't have money for. that. I would rather you guys go. together. World of Warcraft. We have. money for stupid like I've tried for my. wife. I got one massage this year. No, we're we're going to go into this cuz he. can't seem to let it go. I got one. massage this year, okay? And every. birthday, every Christmas, every. Mother's Day, I'm gifted gifts from. other g other people because he never.

gives me anything. Okay? He goes, "Oh, I. didn't have any money or I couldn't or I. couldn't write you something." I didn't. have any money. You guys are you not. combined? We are combined, but he just. spends. He just spends. And she makes it. sound like I spend way more. If you look. since we moved to Oklahoma, I've only. spent stuff on Oklahoma. Maybe like. spent 25 bucks on the game one time. So, we spent about $8,000 to move here. That buried us. The move. When was the. move? When was the move? Two and a half. months ago. February. Oh, wow. And why.

was the move? Why was the move? Why are. we not going to our original plan to go. see my daughter in Florida and be with. my daughter? Is this one of Is this. another one or is that My daughter, the. 8-year-old, she lives with her dad right. now. Okay. She has dyslexia and they're. trying to get her extra help that we. can't afford. Yeah. Her dad makes more. money. He's and we were supposed to go. straight to Florida. We agreed on this. as a family like you know us like how do. you call it the initial family and then. he went on a binge with and um saying he.

was going to go within himself and he. never uses it. Lots of going inside. ourselves. That's very interesting. He. never uses anything like it's meant to. be done. I can't sit here and say it. doesn't work for some people. The people. out there getting help with it. I've. seen it cure PTSDs. I've seen it do a. lot of things. It's saved my freaking. life. I'm not going to sit here and. judge you if you need to go do it. But. all I've seen is he went into a [ __ ]. for 20some hours. He fried his brain. And his grandma was like, "You need to. go to your dad in Oklahoma and you need. to he's got a job for you." Which he. didn't have a job for him, but he got. him a job. And that's where we're at. So.

now I'm screwed. My hair license hasn't. transferred. Okay. And I don't have a. job right now. So I'm making money. I. have a little book. I've made a,000. almost $2,000 this month with my kids in. my hand. So I don't want to hear you. don't make money and you don't try and. you don't have a job. Cuz even on the. sidelines, Do you not have a job? What. do we do right now? She does a bunch of. rental. I do healing. I do floors. And I. don't like to say I'm a healer. I'm not. that. I do healing u with the hop. Um I. go I've the tobacco. I've helped a lot. of women and men. Okay. And you do.

floors? Yeah. Flooring. The It's not. epoxy. It's a different polyurea I. think. But it's the flake in the garage. Yes. How much do you make a month? Uh about what was it like 2,600? He. Yeah, he dropped his pay from 3,000, but. after the taxes and stuff, it's like. used to get paid $35. Now, that's going. to happen. California's cost of living, but he's also so good. And as a wife, you know, you want to you want the best. for your spouse and you you commit them.

and you push them to do better. And he. even started his own little company in. California. And then it kind of seemed. like he Why Oklahoma? because his dad's. here and his dad is supposed to set him. straight. So the main reason was I came. straight into a job which that's not the. main reason. The main reason was. everybody was worried that you're going. to go out and use again. But that's why. Oklahoma was we needed to to work if we. went to Florida that you would have had. no guarantee. I would have my hair. license right away because you don't. need that. Are you not afraid that the.

stress of this this back and forth this. fighting is going to lead to any cuz you. you just said the fear is that he would. go back into using something. But at. this point, like that's your choice. At. this point, you have a you have an. obligation to your wife and to your. kids, just like I have an obligation to. you. And even if you're not stressed. out, he needed a reason to do it. So, what's your excuse now? Well, I'm not. going to do it this time because I've. learned a lot from all my past times. You know how many times I've heard that? I don't know. It just makes me a little. nervous cuz I think the successful rate. of people getting off of opiates is.

about 1%. So, and I've seen it happen. over and over. I've seen successes. I've. been one of the successes through. alcohol. I get It's not the same as but. it's not it's it's it's harder. I get. that. And that's why works for alcohol. It doesn't work for opiates. Well, there's NA. Yeah. And AA is part of NA. And actually, a lot of people that go to. NA don't have a success rate. So, they. go to AA and they were able to quit. because AA is stricter and AA has a. different guidelines. And all I'm saying. is I love you dearly and I we don't. usually bicker this much about it, but. it's all been coming out and I'm very.

not happy in Oklahoma. I can make it. work. Like I just I was crying about it, but then I'm like, you know what? My. wife's here. My husband's here. I will. find a way to provide. Bring my daughter. here. If she wants to come over here, her dad said she's going to leave it to. her as you know, when she gets to a. reasonable age, like 11, if she wants to. be with mom. Still trying to loop us. back to finance. What do you bring in. normally? Averely, it sounds like maybe. we've had a good month, but normally. what's your average month? Before that. was 1,500 with no job, too. Okay. So,

let's say 15 then. But yeah, I Are you. setting anything aside for taxes? Not. yet. Um, well, because I have no spare. money because I gave the finances. Well, that's not spare money regardless. Okay. So, that's money you owe. I gave the. finances back to him after my stroke. After I filed for bankruptcy, we tried. uh bankruptcy. Yeah, I filed for. bankruptcy. When When did you file for. bankruptcy? 200 the beginning of 2023. We um after I. got a year ago. A year and a half, maybe. Maybe almost two years now. Um,

yeah, we kind Explains why the majority. of the debt's in your name and not. yours. But, well, no, I paid off most of. his debt. We put everything on to mine. We we we were going to pay it off. Um, we started a bigger hair salon. I had a. business. I had a successful business. for seven years. Like, she wanted to. move to our own suite out of like the. mini ones and kind of us over. He said. he doesn't work with women having ended. up costing us a ton of money. The roof. started leaking. There was no hot water. We were binded into this, but luckily I. fought for it. We got out of it. But.

initially my biggest regret, which still. it's a learning lesson, it's not a. regret, is I didn't hire an like a. lawyer to look at the contract. So it. said I was responsible for roof and. everything even though it's his. responsibility. Okay. Okay. How many. hours a week do you work right now? I. don't Well, like he on the side. Yeah. Well, yeah. That's your income. I. usually make about $100 an hour. So 15. hours a week. you me uh I get paid for. 40, but I usually work about 30 maybe.

Now, one thing that did concern me a. little. I don't I I just have to call. this out of just like a high horse. thing. We talk about what we do in each. other's free times and you say, "Well, you play video games while I go and. volunteer." Like, if you're choosing to. volunteer, that's great. But I don't I. don't think I don't think it's fair to. say, "Okay, because I'm doing this high. and mighty thing, it's bad that the. other person is playing video games in. their free time." Um, no. So. volunteering like for my sobriety going. to meetings does not count as fun time. It's it's for our sobriety. It is. essential. Well, you guys made it. That's what you do when you have free. time though. Well, because well that's.

she watches. And also there are like. when we're talking about seeing. therapists and stuff. I mean since co. everything's has remote options just on. a webcam. Our kids are very wild so it's. very. hard. Something tells me something tells. me a marriage therapist will be okay. with you having to get up every once in. a while and be like, "Yo, did you Yeah, I don't think you are pretty. They are. wild and free." I I'm very fine never. meeting them as well. But no, they'll.

just they'll just bring them because we. got cancelled on like seven times for. babysitters. Like really. So you got. babysitters this time? We got a. babysitter. Bless her heart. You said. you wanted to be close for uh your. parents. Can they not help at all? His. dad just had a baby. Yeah. So, he's in. his own little world right now. He made. it sound like he would and then he. doesn't so much. His his What's. preventing us from getting to Florida if. that's the main goal? He relapsed. Moving costs again. Relapsed. He. relapsed. But you said you didn't.

relapse. No, that was my grandma's the. last time. Well, it's not a relapse on. He relapsed on a bunch of and. psychedelics and fried his brain. I. moved out. I said, "I'm not staying. here. I'm not watching this. I'll take. my kids. Man, this is insane. Okay. When. is the last time you did that? That that. time. That's the TV. When was that? Couple weeks ago. Okay. All right. Household score. I want you to say it at. the same time. I'm going to go 3 2 1 go. At go. You are going to give me what you.

think the household financial score is. Zero being the worst possible score, 10. being the best possible score. So, I'm. going to count down and I want you to. give it to me at the same time. 3 2 1. Three. I'd say a one maybe. Okay. Different than his first seven when we. came here. Yeah. That's cuz I watched. the show and I saw you prepared. Yeah. I. was like, "No." Why do you think it's. worse? Why do you think it's better? I. only think it's a three because I've. been on my own since I was 17. And what? You guys have been married for like But.

I've been on my own without my parents. Yeah. She moved out of her parents house. early and then at 17 you said? Yeah. At. 17. Okay. as a one-year mom. I raised a. baby as a single mother. Um, her dad. separated. Um, I've always paid my bills. on time before the bankruptcy went. through. How does this make you a three? Because I survived and I still I find. ways to go out and make it. So, I know. financially we're screwed. I can't. But. this it's literally a score of where. you're at. Not Oh, where powerful you. are or whatever. No, it's not that I'm.

powerful. I'm just saying like I've I've. managed to not miss a payment. Like I've. always paid everything. Well, that's the. bare minimum. That's why they're called. minimum monthly payments. Well, when he. adds debt and then I don't see it and. then I have to pay. Okay. What? You go. out and add debt though? She doesn't. even add debt though. She keeps If you. look, you've seen through our stuff. Go. through it. You see what I've spent. maybe like we both don't spend anymore. $200 frivolously this since we moved to. Oklahoma. If you watch your Hammer. financial score, it's free. Description. below. And if you want to come on and.

also not bring your children, make sure. you apply at. calebamehammer.com/apply. Okay, let's. let's let's go into this. We're going to. go through yours first, then hers, and. then some of the combined accounts and. just clarify if I'm if we've just gone. it slightly wrong about who's on what. account. Just feel free. Yeah, we both use both. So, however, so. they're on both your credits. Yeah. mostly for mine is for, you know, hair stuff and business. Um, which again.

I usually pay off right away. But then. when I started taking the finances back. when I started watching this show and I. started looking in, he didn't even know. when his payments were and there was. some deferred interest that he signed up. for. Have you ever taken care of your. finances ever? Uh, slightly. I I set up. autopay. Well, why did you take So, you took over. because of the stroke. Yeah. Yeah. Before that, I was managing everything. When was the stroke? One more time. About two years ago. Yeah. Okay. When. were you just back to I mean took I just. took him back like around 6 months ago.

when I found out he had this deferred. interest for PayPal. Deferred interest. for Best. So what were you doing? Well, some of them was her purchases on my. account. I get it. Some of them were. mine. But when they just It's like 6. months. Some of them were a year later. So you forget about take responsibility. like I told you and I tell you and then. she said, "Why did I pay more than the. minimum?" I'm like, "We had no money to. pay more than the minimum." Why do you. guys have no money? Why do you guys have. no money? Every time we do have money, he thinks it's like, okay, we can go out. and eat. Um, we can go get my Red.

Bulls, my yerba mates every single day. Like, I used to drink, what do you call. it? Starvies. Um, a lot. And I stopped. because my family's more important. Okay. Okay. City Diamond. City Diamond. Let's get into the money. City Diamond. $1,687. Just so you know, I love him to death. I. know I sound but I just it's like a. heart. I don't know. We've talked. before. She makes me look so bad. It's. so funny. It's not that great. Like. would you I've never lied to you. I've.

never Well, to be very clear, being bad. with finances doesn't necessarily make. you a bad person. Unless unless you're. putting yourself over someone else or. other people. Uh so, well, it's not like. considering each other bad people in. this in this uh. $1,687.82. Minimum monthly payment. $56.31. But again, yes, if we're putting over. like our children and stuff, yes, that. would make you better. Like we had. assistance for food and he would spend a. lot of it on energy drinks. And to me, that's that's like you have to make a.

sacrifice of not drinking that and. providing for your family. Well, I'd use. him to go to work and maybe drinks. So, I said I told her to tell him the joke. I told her I said it's cheaper than Oh, great. and at least he'll be president. and have a paycheck. But that's his. humor and wonderful. It's humorous to. most people. It's funny to me because. that's not I'm not addicted to it. anymore. But if I said that years ago, it wouldn't have been as funny. But you. are addicted to to Yerba Mattes and you. have to have Okay. $43 of purchases only.

making the minimum payment and $40 of. interest acred. Amazon Prime, Amazon. Prime, Apple Bill, and Chick-fil-A. Why. are we still going to Chick-fil-A if we. don't have money? Why do we Why are we. shopping on Amazon if we don't have. money? Why are we getting things on. Apple inapp purchases if we don't have. money? We don't go to Chick-fil-A. anymore. Yeah, really? Because that's. the most recent statement. That's. literally within the most recent state. Chick-fil-A is where he went. Where do. you think he went? It's Chick-fil-A. That's you. Okay, take a chill pill. Bring it down. I love you. But um Amazon.

Prime. So, I've never ordered anything, but he says we pay something because of. um There's two things on that. It's like. an ad for you, stupid. Two things. I. told you to delete that. Watch your ads. I watch the show. Totally. Yeah. I did. I did put that one on. there. This is all you. That's And then. Apple Music. It's That's probably what. that is. What the I will say though, what is that? I've I will say open up. your subscriptions. It's on your phone. He wanted It might be her uh extra space.

on her phone cuz she fills it up. That might be what that is. Discover it. Discover was all the move. We actually. paid off that card. We had it paid off. and then we moved and it's moving truck. alone was But it wasn't even just that. cuz then you went $2,238 of purchases. right now. Right now we didn't have a. place to live for the first four days. So. 7,000. Then you guys weren't ready to. move. You had to move that urgently. That's our our LA apartment was infested.

with cockroaches. They deemed it. unlivable. We came back from a healing. convention. There's no legal requirement. for them to find you an alternative. They they were supposed to, but they. were shady as well. Then you That's not. how that works. That's not the only. thing. I tried to I tried to contact the. uh what do you call it? The This is. starting to sound like the um the people. upstairs contacted them. So I was like I. will with you and they got him out and. they screwed him over and our water was. off every other day and having they did. that for this conversation immediately. already sounds like the okay well here's.

the thing. Oh that doesn't work because. of this. Oh here's the thing. Oh that. doesn't work because of this. It's just. like the immediate nothing ever works. So when you put I put in the paperwork, right? Yeah. With the people. I told. them it is infested with cockroaches. They said they have no choice but to. wait 30 more days. All of our stuff got. ruined. If we would have stayed there 30. more days with cockroaches running. around in daylight. But you still spent. hotel money and this stuff. Could you. not spend hotel money at that area in. that area for the 30 days? I would love. to stay. I would have loved to stay if. we were supposed to make it. But we made.

a decision for my daughter who's 8 years. old and needs. But you didn't make it to. Florida. We didn't make it to Florida. because I'll tell you why. Because I. didn't want to move there with no job, nowhere to live, and not even my dad. At. least with my dad, we could stay there a. little bit. In Florida, we have Well, we. could only stay 3 days and then he was. gone. Yeah. So, oh jeez. $142 payment on this again. $2,238 of. purchases, $113.89 of interest rate. Guys, use Fizz. card if you're going to use a card. This. is not You are not credit card people.

It's not even close. This is This is a. absolute disaster. Oh, this is just for. Oh, cuz we needed somewhere to stay. We. go and we get Thai cuisine and then yes, there he spent $117 uh staying. somewhere. But then Chick-fil-A and. Coulson Waterburger and Amazon. More. Amazon. Remember the last one? It was. just one Amazon adree thing. Well, there's more Amazon. Mattress Clinic. Did we go and get a new mattress? Yeah, we had to because it was cockroachy. Every even our couch, but we saved. We. could have got a cheaper mattress, though. It was on me. Um we I told him.

we could get the blowup one for like. 400. Um, but we had already been. sleeping on the floor for four four. months at his grandma's. So So sacrifice. for another four. Well, you you just did. it. I did say that, but he said, "Listen, is okay. Well, you said it was. on you and now you're saying it's on. him." No, I wanted I wanted a nicer bed. because I think I enable him. Like I. just want him to live the best life. Well, best life including sushi and. habachi. and Buffy Inc.

$251. Comforter. Comforter. Oh yeah, his. grandma paid for that. She paid us back. Great. Cuz he had to have his blankie. Me? Wasn't that you? What are you guys? I'm pretty sure you said I want my. blanket. Yeah, but I didn't. And then. one of two within your statement salon. visits that over are $100. Even though. you're know how to do things, but we go. Yeah. $124. Honey, that's I own a. business. That's me buying products and.

selling them. That's where you buy all. the dyes. And I have never paid for my. nails, hair, anything. I do everything. myself. Well, good. That's what I was. about to be telling you about. Excuse. me, I lied. I got my nails done one time. because she did them for free for two. and a half years. I paid her one time. when I went to LA. That's pretty cool. And she only gave me She made me pay $40. and I was happy to pay it. Two years of. free nails. Okay. What do we have this. car? A 2020 Kia Teleride. Teleride. I.

don't know. The telly, right? I'll look. up a picture of it. It's a very good. car. Um, our car got total. He got. smashed into and pushed into a semi and. I'm glad you're okay. It totaled our. car. We waited a long time to find a new. car, but eventually it came to the day. where grandma said, "You got to find. your guys' car." And I went to a. dealership and Wait, why does grandma. Cuz she lented she lent us her. We had. it for a few weeks and she wanted it. back. Expensive car. Um, actually, we. got a really great deal on it. Yes, the. interest is a little I've heard a lot of. people say that. And we're at 72 months.

I lowered it like $4,000 from what they. wanted. And they were the only person. actually in LA. Oh, how you lowered it. by $4,000? Girl, they're not going to. take a loss on it. I know, buddy. That. was baked in. No, they he the guy who. was trying to sell it to me was like, "My boss would never go for that. You're. crazy." So, I walked right up to your. boss, which is what every car salesman. says in the history of the world. No, he. was very angry. I walked right up to the. back office and I said, "Hey, Dave." And. he's like, "You know what? I like you, buddy. I've worked in sales. I've played. that game a thousand times. I'm sure. I'm sure there's a game to it, but I'm.

like, "Oh my goodness, my boss would. never allow this. Please don't talk to. my boss. Please don't talk to my boss. over there who will definitely not do. this." How angry was that guy? Uh, I. don't really remember. I don't know. which one. There was like five of them. Oh my gosh, I'm so angry that my boss. just helped me close this sale. Gosh, I. can't believe you just got this deal. Oh. man, that's how he was. And I mean, we're we're we're guessing the interest. rate is like 16%. What is it? No, 12, I. think. Or less than that, was it? It was. I had to be under his credit cuz I filed. for bankruptcy. Okay, we know for sure.

Yes, I can tell. I'm pretty certain it's. 12. Is that not on this paper? Um, we. did have a smaller car before it got. totaled, but our car seats wouldn't. actually close in the door cuz we had. three car seats. So, it's actually Well, yeah, it's not even an option. Well, back then we we had less debt, too. So, back then, back when? What year? 2020 after I filed for the bank right. before No, after I filed for the. bankruptcy. Yeah. So, you just declared.

bankruptcy and you thought you were good. with finances. Well, again, I was that it was all for. business, but before that I had 32. credit cards. I paid them all on time. Never had interest on any of them. So, you went through bankruptcy. I Yes. So, and I'm not ashamed of it because. it's not about a shame thing, but it's. like saying we were good. We were How. good was I with the finances before we. went through bankruptcy? Before we got. to Before we went through bankruptcy. Yeah. Well, the thing that bankrupted. her was the flood. Yeah. So, it sounds. like we weren't a good business owner.

No, it was the the building. They. literally put heads in. They So, it's. always someone else's fault. From. everything I've heard, it's always. someone else's fault. They collapsed the. roof with water. Water came out on us. Where was your insurance? I had. insurance. I called my insurance. So. again, everything's always someone. else's fault. No, we called our. insurance and they said, "You are not. covered for this building." And I said, "But I have it under this." Then you. didn't do your insurance correctly. You. didn't do due diligence. They refunded. me though. They refunded me and said, "So sorry, we don't know what happened. There was a glitch. You did it online. When we called you, something happened,

but we are not responsible because you. have like a business attorney look over. it." What can you do? Have a business. attorney look over it. But you have to. pay money when you before you signed. your insurance to make sure you're good. I just went through the actual. insurance. I just signed up that day. Remember the day I got this loan? I. signed up for it and they told me, "Okay, we're going to refund you all the. stuff that just happened." And then they. called us and said, "Sorry, you're not. covered." Well, they're they always try. to get out of it. It says 12%. Insurance. is always a battle. It's a fight. It.

says 12% on the car. 12%. Okay. Yeah. So, this is our good deal car. 12% $739. minimum monthly payment of 72 months. with a balance of. $33,440. Good deal. Okay. Do we have a. VIN? Do we have anything? Have you given. us the VIN? Can you get us the VIN? We. have the VIN. I sentence them. Would you. like me to just look it up again? Uh, yep. Nope. They're calculating right. now. We're going to get what you think. How is the condition of the car? How are. we looking? Pretty good. Besides, um, he.

he used to park on top of my motorcycle. handle, so there's a few scratches in. the front. Okay. But that's Oh, the kids. have the inside. How are we doing making. these payments? Cuz this is a large. chunky payment. It is. Um so we are. doing good making that. We actually. tried to make an extra payment and then. when we called them and said how do you. make the extra payment on just the. principal? They said just um pay it. We. did and then they took interest out. They just kept if you have to send them. an actual physical check otherwise they. just keep putting it through there and. taking their interest out. Interesting.

So the Yeah. If you don't send it in. then they're getting their money. Now, I. hate saying this is my fault, but when I. got sick, I upped my life insurance. because You hate saying something's your. fault. No, I just hate saying that like. it's my fault that I got sick. Oh, okay. Cuz you can't control that, right? Can't. control having a stroke, whatever. Um, but I upped my life insurance because. Were you doing anything that was like. physically unhealthy like smoking, anything like that? I don't drink. I. don't smoke at all. Okay. You did for a. while though, right? Well, yeah, she.

used to. Very rarely though. I never cuz. I I do tend to agree with you. I just I. always play devil's advocate. I mean, there are lifestyle things that we can. do that make it less. They actually. couldn't figure out why. Um they even. said it was really rare. But again, I'm. not saying that in your situation, but. just because you said we can never. control getting sick. It's like okay. I. mean, I can control me having less. chance of having heart disease, but I'm. a fat like can't stop shoving shoving. McFro. So, like, yes, I do have more. control in that then. No. No, of course. I'm talking about like a seizure or like.

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still trying to understand it. Um, I pay. a lot a month, but also my daughter when. she went with her dad, I needed uh life. insurance on them because she's on. planes, a lot of planes going back and. forth. She was. And so I just wanted So. the safest travel method, he's just lazy. Um he would rather So. now it's about him, not planes. I I. actually were going to go pick her up. and he was like, "No, that's not a good. idea. You should just have me fly her. out." Like why would you drive? You. saying planes are the safest travel.

method. So why did she leave? Oh, why. are this Are they the safest? Oh, I. don't know. It's just statistically they. are. So Oh, well that's great. But um as. a mother and you want to if anything. ever happened to your children be able. to bury them without donations. No, of. course. But you did that because she's. on planes. Well, I She worries about. planes a lot. No, not not really. But I. upped her insurance when she got started. going on planes. Okay. Okay. I upped it. from 50,000 to I think 100,000. Now,

where did we get the money to pay off. this PayPal credit? Cuz it was a chunky. thing and then it just got paid off. He. got a tax return and when I saw the. deferred interest, he said, "Let's just. let it slide." And I said, "Absolutely. not. We'll just we'll make tax return. probably with decent child tax credits.". And they're actually miss they missed. I. just got a letter. They're going to send. me like $3,000. Yeah. They messed up. We. didn't get a lot back this year. Did you. fully claim all your taxes though? Cuz I. know you're not setting anything aside. for taxes right now. Yes. I don't I. didn't Yeah, I claimed my I claimed all. mine. Yeah, I claim everything. My. Venmo, everything. You're going to be.

claiming this year cuz I do. I don't. cheat the system. I just don't I don't. like to She has a good tax. I hope not. I have a really good tax lady though and. I do put a lot of my own like as a. business owner. Also, you're underwater. in your car by $8,000. It's worth. $25,000. Yeah. Okay. That's what I. looked up all the way here. We love our. car and we're willing to work harder to. pay it off faster. And yeah, nothing. like an engine surrounded by some pieces. of metal to fall in love with. That is. the American way, ladies and gentlemen.

It's comfortable to drive, though. Great. We're absolutely grateful we have. a car. Good. Uh I would take uh the that. that makes sense. Why did you decide to. throw. the the the tax credits and everything? The refund you got the deferred interest. was like $300 something dollars if we. didn't pay it. Okay. So it's like Yeah. I said let's make a sacrifice. Then here. comes his Best Buy bill and he said. there's more deferred interest. And so I. just paid 300 something on that. So, our.

checking account for like the last week. has been $22.33 and I'm willing to make. sacrifices. It's no problem for me, but. here we are. I needed a Red Bull today. I love you. So, is it is it It's paid. off. And she said, "Buy the three for. eight." Oh, no. I just said I know. you're going to buy one on the way home, so please just Oh my gosh. Okay. Is. there a balance on this card right now? On which one? Which? Hey, pal. Credit. um I don't think I think the deferred. interest was 2,000. You could got to. tell him I think we paid it all off and.

then I may have used it a couple times. for like that was the that that Can I. see it? Can you pull it up? It might. have been like food or something. So he. thinks bronze is $9 for a bag of burgers. and it is true. Like it's cheaper. I've. gotten hot dogs. I've got sandwiches all. the time. Not not until we moved. But I. don't eat meat actually. So I'm not. eating any of that. Just so you know. I. just I'm a vegan. Okay. And I love my. That's the most vegan thing you've ever. said. Like every vegan has to somehow. announce in the conversation that.

they're a vegan. Like that had nothing. to do with this entire conversation. No, but you said you guys keep going to. bronze and you like bronze. I don't like. bronze. Is bronze only meat. Yeah. It's. like only hamburgers and chicken. That's. all it is. That's all it is. Unless you. want ice cream. I don't do dairy either. So Okay. Stairs. Maybe it's the one time a vegan calling. themselves out being a vegan made sense. then. Well, she eats Chick-fil-A, too. Well, I used to. Not anymore. They. actually changed their meat company. sometime. Listen, if I'm starving and. and I could eat rice and beans. I've.

done it in the Amazon jungle for two. weeks. I I've done it in Peru. My mom. has lived in a third world country. I've. been to that country. I've lived out. there. I could eat beans and rice every. day. I can make my family beans and rice. every day. He thinks that I am punishing. our family by making by rice and beans. It's It will not feed him. When did you. go to the jungle? Last year. I'm a. guardian. How did you afford to go to. the jungle? Obviously credit cards. Okay. Okay. So, you couldn't afford to. go to the jungle? Well, no. I paid most. of it. $78. I've We still have a lot of.

credit card debt, so no, we couldn't. afford it. That's what's Can I see what. the purchases were on? Yeah, I could. tell you. It was World of Warcraft. It. It autorenewed without me knowing. I. swear to God. And you see, my hobbies are free. I. don't pay attention to it. And then I. noticed it like a couple weeks after an. auto review. I don't mind. Play without spending. Is is the online. service? Yeah, you just it's a monthly service. fee that you have to pay and it's. cheaper if you pay I paid six months in.

advance cuz it's you $12 instead of 15. I don't mind hobbies when we have money. I I get it. Um and I don't mind alone. time but he has the loan time ends up. being 3:30 in the morning. He has to go. to work or this last night he played. till what time? Oh, only 3:30 and we had. to leave. I couldn't sleep though. You. moved my thing. Well I mean I mean the. what was the impact on you in that. situation? Well, the fact that I have to deal with. the kids and um I have I get up and I do. the stuff that I'm supposed to do. I go. to bed with them. Like if he if he does.

and I put them to bed last night. I put. them to bed, too. What are you talking. about? Oh my gosh. Oh, you put one of. them to bed. But all I'm saying is like. who gives a like I I mean I I give a he. doesn't want to go to work. No, no, no. If he still does what he needs to do, who cares? But he does it when he. starts. Well, he just said he did. though. He starts and then the next day. Okay. Well, he literally just said he. did, so I don't know what I'm doing. You'll start something, right? And then. he's like, "Oh, it's just today and. today, right?" And then he slowly goes. and then it's all of a sudden I'm tired.

I don't want to do this. I don't want to. do that. Like, you guys are stressing me. out. Well, you played video games all. night. You weren't responsible. Now I. have to take care of I only do that once. or twice a week. You don't do that every. day. Okay. What you What? Why? What are. you doing? I have a gift. Um, are you. X-Men? What? What is this? So, I am not of this earth. I am in. human form. Oh my gosh. Okay, I listen. listen. one second. Okay, I know you hate the. whole healing things. I'm not pretending. to be a shaman. I'm not pretending to be.

anything. I am helping the Amazon jungle. be restored. I am a guardian for them. I. believe in indigenous helping. I believe. in the people. I use their medicine and. I have healed and helped over 60 people. so far in the eight months that I have. done this. I didn't ask for this. It is. just part of me. Oh, she was against it. Would I first You can ask them stories. I see dead people now. I don't choose to. see it. They come to me. Be a mental. health specialist or something. If you. see dead people, why if it's helping. somebody and I pass on a message to. somebody, why is that wrong? Cuz you.

can't understand it. But one day when. you need me, if you're seeing objects, that's a that's a sign of like you don't. see them. They send you a message, you. give it to the person, and they heal. Oh. my. I charge $111 for what I do. It's. not fake. I trust me. I don't I I didn't. say you couldn't make any money off of. spreading that. Everyone can make money. off of No, you want. to You want to tell I've seen her heal. people with it. You think I chose some. chose to chose what? She knows that you.

couldn't really know. And the person's. like, "How the hell did you know that?". That's what I've seen. And how have I. helped them really? Fine. Tell me. something about myself. Well, it doesn't. really work like that. It doesn't work. Oh, it has to be the convenience stuff. Yes. Only when it works. It's not the. convenience. It's only when it comes to. her randomly. She can't And it's not. randomly. It's usually when I do HA. My. higher self will talk to your higher. self. I can I can serve you right now, buddy. And you're going to regret it. Okay. You want to get served? Wait, wait. What do you mean? What does How. does it work? I blow it through your nose. No, I don't.

want that. I don't want your energies. I. don't want that you to mother earth and. going to come out, Caleb, that you've. been holding in your I pooped twice. today. We do not need to go. Make you. poop, too. I I don't I don't need to go to the. jungle. I don't need to do this. I'm. going to live in the world. I'm going to. exist here. Uh but Noah Noah, he did say. Noah told me he's willing to let you. blow it through his nose in the post. show. So, make sure you guys stick. around for the post show. And.

I'll I'll abuse my position of power. I. love you from a distance. But one day, if you do need me, please call upon me. I will see someone who studies human. psychology and the world of science and. I will uh leave the jungle but you can. bingo bongo bongo stick there if you. want. I'm just saying I help people. through seizures and everything so okay. Bingo bingo bongo. I brought you a. crystal forgot it. But I know how much. you hate crystals. I don't know what the. I'd do with a crystal. I don't know.

anything about crystals either. It just. had a pretty sun on it somewhere and it. would look nice. My mom taught me never. to go anywhere without a gift. So, well, that's nice. That. that that's a nice heart. I have a very. nice heart. I may sound really right. now, but I'm the most loving person in. the world. Like, I love people. I love. helping people. I came on this earth. I. joined the military on a dare at 18 cuz. somebody dared me. I couldn't do it. And. I ended up saving a lot of people and. helping a lot of people. So, Okay. Thank. you. Okay. Okay. Sure. Price line. That's.

something. Basically paid off, so it's nothing. But. you have a Price Line Visa rewards card. But that's again basically Yeah, that's. what she flew, I think, to the Amazon. Amazon. Amazon. Amazon. Not not the. jungle. Like literal three Amazon. purchases. I'm confused. So there's lots. of on. Oh, well, someone is cuz we've. had multiple purchases now. We're at six. Amazon purchases across the board. I. think you're looking at every month when. they just charge us. No. What are you. talking about? It's only one month. It.

says the date on them. So, what what are. we buying? Let's pull up Amazon and find. out. I remember I bought like the stuff. to kill any cockroaches in our couch, like some powder. Okay. So, you bought. anti- fungus and then you bought the. cockroach stuff and you bought. batteries. Well, were those bought. recently? February. February. March. There's only been two things purchased. So, in the month in the month of March, there were six things through Amazon as. a company. That's what I'm saying. It's.

I don't know which what we're we got. Are they renting movies? Are they Oh, we. did buy a movie. Remember Amazon's a large thing in. general. Did No, we just bought one. We. donate to Twitch. Did we? Yeah. I think. one's probably the Prime cost. See, for getting Prime, it's like seven. The last thing I was $3 and then seven. if you don't want ads or some bull like. so all they build it all separately. He's a gamer. Yeah. Yeah. And I enjoy. that when we have money. I like I know.

you might hate this but live like no. other so one day you can live like no. other. Why would I? Because it's Dave. Ramsey and I know you don't agree with. him. I like Dave but Oh, you do? Okay. I. just don't I saw one episode we were. like I don't agree with him so I was. like well on the $1,000 specifically and. one size fits all. I like to be more. nuanced but no I mean he's helped. million literally millions of people. helped me through I went through a. church program and like I said I I got. out of debt and I've done it multiple. times over and over and um obviously. we're we're when we get money we're.

being responsible we're not just wasting. most of it but I don't understand. anything past out after you get out of. debt what to do because I was never. taught but in the next Crater Clash Dave. Ramsey and I are going to we're gonna. fight in the ring. Good luck to both of. you. Yeah, good luck to. Dave. I'd fight George, but he's. short. That'd be unfair. Okay. Freedom. His. specifically, you're not on this at all.

No. No. It's That's under his name. Yeah. Okay. You're not on this? No. We. probably both again, we just use. whatever card. Oh, boy. $961. We are not. organized at all, are we? $961.94. This is my Okay. I've improved a lot. Our dead body is going to fly out of. that book when you open it. I've. improved a lot. Um when I first became. on my own because I was not allowed to. control the finances with my last uh. with the father of my first child. He. was the breeder whatever manly man of.

all men. Breeder bread winner I think. she what do you call. it? So I had uh fun bucket money which. was all ones fives tens and 20s and. hundreds went to bills. So since then. again I write a list of all the bills we. have that I understand and know of. besides subscriptions or anything he. has. I put the minimum set up for a. second for the camera that this is the. organization. That's the minimum payments, the. interest, if they're interest free, when. we have to pay them off, how much we're. paying, and after you listen, it's a. step. It's a step. And I actually am.

glad that you did that. It's a that I. feel like that's very hard to track. behind kind of like a torn up piece of. paper. But that does actually No, this. is just a copy of it. I didn't bring the. root legit one. Oh, okay. I was going to. say, but that does show like actual. effort. And I am happy. And he hates it. Every month I go, can we sit down? He. hates it. No. Why? Well, you got to sit. down. Why aren't you sitting down? You. got to sit down. Doesn't want to do it. He doesn't. Well, you got to just be aing adult. Be a man. Be a big boy. I'm not responsible. I. know I'm not. He literally became a man. when he met me because he was dangle.

some World of Warcraft over his head. That would actually I offered him. incentives. Blowies during World of. Warcraft if he can just like I am an. incentive person. I am all for my. husband. I cannot give him any more love. than I've already given him. He's got to. he's got to either do this on his own or. he's not going to want to do it. He's. just going to fall back into a pattern. of sabotaging and nobody will help you. and maybe a so impossible sometimes. I'm. just like I do it. I do it. I watch the. kids. I work with them in my hands. I.

come home. I help you. We both do it. But you got to just put in a little more. effort. We got to do it together. We're. supposed to be a team. We're on the same. team. Kind of. All right. First time. we've talked about under desk on this. show. It's a new one. You should try it. World of Warcraft. Who says I have? How you keep them, ladies? Not that I have the Not that. people think I Yeah, cuz we're talking. about divorce. Okay. $21.76 of interest acred on this one. Minimum monthly payment was made. No.

purchases. Thank the first time ever. $961.94 is the balance for You just said. on two of them ago there was no. purchases. First purchase ever. No, he. said no purchases, but then there was. But then there was. We pulled up the. PayPal app. But though there was one. before that you said no purchases. Dude, I don't know. This conversation's. throwing me. I feel like I've already. inhaled your essence of whatever toxins. you want to put in the air. Okay. Best. Buy. That one's probably not very good right.

now. What? I said that one's probably not. very good. It's not very good. That's. the one we've been using. $1,863 worth of headphones. No, that was. 150 but 40 cents. Okay. Um, buy food, the TV, the raider of the TV we bought a. few years ago is all there. Minimum. payment was made, but then we purchased. $348. 97. What are we doing to 17 or $1761. interesting? The only thing I approved. of was the iPad because the kids broke.

it and we only under warranty for so. long. So, we had to get it fixed before. Oh, yeah. The screen. But um so that was. like 50 bucks and then 50 bucks for a. screen protector. And I'm fighting them. on the screen protector cuz they told me. that was life guarantee and I fought. that man at the store and he was so. mean. I just said, "Hey man, this is. covered." And he ripped it off. You. don't want it then don't get it. And I. was like, "Bro, I just was asking you a. question. It's supposed to be lifetime. guaranteed." And he's like, "Oh, the. actual screen protector is." And I'm. like, "Then can I get it?" You were.

pleasant. I am a very pleasant person. Okay, but you're a little aggressive. sometimes. Come at me. Yes, I know. But. I'm like I want to She starts off. I'm. having a hard time seeing a random NPC. out there being such a dick like that. without you being a little something. Really? Uh you came I will say you came. in a little she had some hot asked him a. question. I know. But if someone comes. at me that I've never met hot like I'm. immediately defensive. Okay. And exactly. why I'm defensive with you. Well, you.

signed up to be on here. Of course. Of. course. Best Buy guy, but you do understand a. little bit. Okay, you had a couple. military people on the show. We are. trained to shoot first, ask questions. later. We do not go good in a corner. I. will never become a police officer. I've. been offered that job millions of times. I will not become one because I shoot. first and ask questions later. And I. cannot rewire my brain. So, you're putting me to be like this evil. person and I'm not. I don't think so. I'm not really assigning anything. I'm. just like sitting here. I I think I've.

talked less in this episode than almost. any episode. I told you I'm a talker. Yeah. Yeah. Shooting them words first. I. want to learn as much as I can. I want. to understand as much as I can cuz if. anybody's going to take the knowledge. home, it's going to be me and try and. change. So far, I'm fault. Yes. High. five. Best Buy total. Why are you Why do. we have a yearly subscription to Best. Buy right now? Oh, because our TV broke. and actually can't afford everything. They replended extended warranty. I. should get rid of it, but I have used. it. I got a whole new TV. They keep.

replacing our TV cuz something keeps. going out and so we couldn't We were. going to cancel this year, but what if. it goes out again? Then it goes our TV. Gosh, it just really sucks cuz we just. don't. It's so funny. I I can get rid of. it. And you know what? If we don't have. a TV, we don't have a TV. Yeah. I mean, go work instead of We have another TV. I. did apply to a lot of jobs and I'm. waiting to hear back. How many jobs? I. know you think this is not good cuz it's. not a lot a lot of jobs, but with this. Well, you said a lot. So, yeah, five. Well, for her that's not a lot. Well, no, because the thing is I can only work. at certain hours. Okay. What hours? The.

the evenings and um there's only five. places. Well, no. On top of that, um I. tried to get a job that would help us. get out of debt. So, I guess it's called. Texas Roadhouse and they wanted military. personnel, but they asked me if I could. wait a week so that their training thing. and they'll let me know in a week. So, I. stopped the process with everybody else. So, this happened a week ago. Yeah. So I. stopped cuz in the beginning we came. here and I said hey I could be a bus. driver. He said that's not going to work.

with my schedule. How who's going to. take him to kids? Who's going to take. him? So then I worked door dash. You. know what's my choice instead of all the. herbal stuff was that honey cinnamon. butter from Texas Roadhouse. I've never. been there so I don't I'm happy to serve. you and put a owns this world and you. can conquer nations. Really? So, I I I. applied I wanted to apply at like four. different jobs and it weren't convenient. for him. And then last week he finally. was like, "Yeah, you're right. Go get a. job." Okay. So, so Mission Lane, Yep.

$81.74 minimum. payment. It's close to maxed out. $56.74 of interest. Again, $172 of. purchases more than the minimum monthly. payment. What are we doing? The balance. went up on our causes of growing. interest. What is this? Oh, tea in a. bubble place. And then the so that's. getting supplies. Yes. But we're. purchasing that on two carts that we. can't pay off. Why does that make sense? That doesn't make sense. Well, I need. the products to be able to do their. hair. So, it's a big investment, but. then you start making money. I've only.

been here two and a half months. I've. taken five clients on the side waiting. Yeah. But why on the credit cards. though? Why do I have the credit cards? No. Why on the credit cards versus like. in our checking account? We didn't have. the cash. We don't have 2,000. Like, it's big purchases you have to buy in. bulk. So, it's like 150 bucks. It's a. It's usually a lot more. I've been I've. been trying to like wait till the deals. go. She's found some sales, so she. bought extra. And I do have a lot of um. product that I am from LA getting rid of. from my salon. So, we we didn't. technically lose out, but it's going to.

take a while for me to sell off all. these products. Sure. If you sold all. that, I would have a lot of just keeps. going. Ally card. I think that is that. the $800.78. and that went down. I paid a good chunk. $27. These were the minimum payment off. until we had your deferred interest. You. put a little more towards the end. Yeah, it's that. Uh, good. Okay. When does the interest kick in for. this? It just started to kick in. Yes, it did. Literally a couple days ago.

Okay, that. sucks. Oh, we made it through the debts. No more debts. That's it. No more debts. Oh, we do have one that I did not bring. up. It's not really a debt. Okay, so his. grandma has given us money and whatever. We're short buddy. she'll let us borrow. She's always just come in and save the. day for him or buys him something he. needs or for the kids if she feels like. they're not like she she'll send a lot. of stuff. Um but the thing is we did. borrow. borrow. So this is a debt. No, she it's.

weird. She gave it I want to pay it. back. Okay. I don't like owing people. So I paid $20 out of every week of my. account. So, I don't know what we're at, but it was 4,000. For how long? I just. put it to infinity. No, no, no, no, no, no, no. When did she give it? Like. January? Since when? February or. January? Which one? I think that's when. she started the payments. Last year. Oh, you started last year in like November, October. We went through a really rough. period. Like, it was bad. And it was how. the $4,000? It was about $4,000. Oh, it.

was more, but we paid I paid her a big. chunk when we got our tax return. And. she keeps saying and she wants to give. it back. She'll just keep buying us. stuff. She doesn't want it back. But I. don't feel right. probably $3,664. Like that's our only go-to if we needed. help is his 80-year-old grandma who's. awesome and she out outd does me at 80. Can I say Yeah, she does because she. only has $2322 in your checking account.

Now we have like a hundred. But your. poor that needs some light. Dude, this. What are you talking about? You're. talking about that? You're talking about. that little piece of brown that was on. this plant since we've bought the plant. Okay. But do you keep it only indoors, buddy? We have these sunlights that are. on it all night. Okay. Look at the whole. plant. The whole plant except for the. parts that have been brown since the day. we bought are doing great. All this new. growth is this is luscious green. Yes. And a lot of your videos I see that I'm. like, does it ever go away? It's Well, I. don't I think it that Have you ever told.

it how like I know it's a plant, but. have you ever thanked it for like the. oxygen it gives you and stuff? No, because I'm not a freak. And there's a. sun lamp right there. There's sun lamps. over there. We take I was going to say. maybe these lights. help this plant. It's beautiful growing. Um pos, they can just survive anything, right? So, I don't know. I put basil. outside and killed it. Oh, yeah. She. killed a lot of. Yeah. I cannot save plants, but I can.

save people. You can you can burn them. and inhale them. It doesn't work like that. You don't. burn them at all. Okay. It's pretty much nothing. Oh, good. Here we go. Yeah. 800 bucks in. this one. And there was a place to stay. at some lodge and then Starbucks. Starbucks. Starbucks. That was Yeah. Way. back then when we were drinking. Starbucks. We don't do it anymore. Yeah. Way back then. Like a month ago. No, it's been two and a half months. I did. buy somebody a Starbucks because they. were supposed to babysit for us and then.

um somebody took over because she. couldn't do the night shift. So. expensive T-Mobile, I'd switch to Helium. if it's $171. Question. Yeah, we took in. a kind man. Um his one of his. co-workers. He came from Turkey. Um. great dude. His family is trying to come. over here. Um somebody like stole his. money. How do you say it? So he was. trying to rent a place. They showed him. a house and he paid him a down payment. and they stole his money and it wasn't. their house and so he wasn't used to the. culture of California. So we took him in.

um after two months of him being really. good and you know he was just sleeping. on our couch, our cockroach infested. couch. Poor man. um he started smoking weed and started. stumbling and so we're like hey we love. you but we love we're going to release. you with love and you have to go figure. things out cuz if you stay here you're. just going to stop wanting to work and. everything and we gave him we connected. a phone line so he has his own phone. he's paying it every month you'll see. every month and until what the we don't.

we can't think I think we can't cancel. it until his phone is paid off which I. think it was two years and it's already. been like a here, but he said he'll do. whatever. He said, "My friend, whatever. you need, let me know. You've always. been there for me. You guys are the. kindest people I've ever met." Yeah. I. mean, I would just try to get him to do. it on his own. I I would try. He could. probably pay that balance. So, this I. can ask him if he'll pay the balance, but he pays. I mean, you can get out of. the contract. His actual total is 25. We. charged him an extra 10 just in case he. did run off, we'd have that back thing.

Okay. Starbucks, City Bites, Taco Bell, coffee, habachi. Whole Foods is an. expensive way to eat for people who do. not have money, especially since it kind. of tastes like No, we have a lot of. restrictions. I cook a lot. I cook a. lot, but we have a lot of restrictions. My daughter can't have basically sugar, like white sugar. My son's allergic to. cinnamon sugar, like refined sugar. She. gets very um And only Whole Foods. doesn't have sugar. No, but they just. have better options. They have better.

options when we cook like or we just. everything's organic. I don't drink like. I like I don't drink Starbucks, right? I. get really ill if I drink Starbucks now. since the stroke. So, um sometimes. sometimes it's not coffee. Sometimes she. buys like sometimes I buy the kids food. if we're we're traveling around because. like I said at the first time we didn't. have a a place to cook. We didn't. Everything had to be eaten out. Starbucks is the food place. They like. the um the the Impossible sandwich, but. we don't like again we found out the. ingredients and cake pops. Well, they. usually get free takeoffs. Everywhere.

they go, they get free. Going inside a gas station, getting some. Taco Bell, uh liquor store might not be. liquor, though. I know. I I buy wine for. the food. My mom has proven we cooked. with a little bit of wine. Just Cava, Taco Bell. So, once every eight months, Chick-fil-A. So, going out spinning the. bowl.

Oh, you did you put the mattress thing. down? Huh? Is the mattress thing on. there? The synchrony? I just barely. filled out how to get access to that. card. I could tell you what it is. It's. $1,500. And I made a $100. There's no interest. if we do it. There's no interest right. now in 12 months. 12 months from when? So, I paid $100. last month. So, 11 months. Okay. He couldn't somehow. They think they So, we need to pay. $136 towards it on a monthly basis. They.

put our old address or something because. they said that we wouldn't get approved. if we put a new address. This is another. bed. No, that's the only one. So, I put. partial payment on one card and then Oh, was that $1,000 we saw for a mattress? That's the partial payment. It was. 2,100. And then they opened that card and that. was the rest of the last time I bought a. mattress was 15 years ago. I don't give. a [ __ ] You can get a cheap mattress. Where? Where? Literally any mattress. store. When I went and got a mattress, I. got a $300 queensiz mattress.

Oh, I think it's cuz maybe we have a. king bed frame. Buddy, I am fine sleeping on the floor. I've said that. Noah just got a $300 as. well. His dad did say he got a $400. nectar or something that we should have. He said he got one off the internet. It's like a nector. Why didn't we do. that? Nectar is what I have now once I. upgraded. Yes. Oh, guys, we're just beyond. unorganized, beyond irresponsible. It's. just Okay. Okay. I would call sleeping.

necessary. Yeah, I don't think so. And saying it. has to be necessary. Did all our kids sleep in? Yeah, they. all sleep for everybody to sleep. Total. progress made on debt overall net was. $52 where really. $3,624 with new charges and new interest. on all the debts is what we saw. Is that. in this last month or it's in the. statements that we have which is only a. month's time most recent statements. We are we going to budget together as a.

couple or are we staying together? What. are we even doing? I never said like I. want to divor like I said those I don't. like to say those words. What? What? But. where are we? Where are we actually. headed? George, so I can know like what. I think. My goal is to be together. forever and to get through the hard. times. Do you know they when you marry. somebody? Multiple few hundred king. When you marry somebody, you say through. sickness and through health. He's sick. right now. A lot of people say it and. 50% of them go back. So what are we. doing? Well, it's up to I'm through. sickness and health. Well, it sounds. like up to you cuz he's it sounds like.

he wants to stay together forever. Yeah, but then he's like is what you said. Yeah, but then he's also going to be. like, but I won't be here for you. I'll. just be in my own little world. So, that's not really Are we staying. together? Of course I want to. Okay. But. I gotta We got to put in the work. together. Like, can't do everything. I'm. stressed the out. Yeah. Yeah. Yeah. I'm. stressed the out. Oh my gosh. Ground yourself, man. Girl, I'm as grounded as I could be. I. am right here. No, your shoes are on. You're not grounded.

Go hug a tree. It'll make you feel better. It sucks. But it does. Actually, one time she told. me that and I said, "Shut the up." And. then I went and did it. Shut the up. I. did it and I actually felt better. I was. like, "Probably because you went. outside." Yeah. We were outside when she. told me that. The sun on you. We He was. already outside. See? And she's like, "Fuck that tree." I. don't like talking the trees either, bro. But God given Earth. Also, what is this.

Metazoo thing that you guys spent. thousands of dollars? It's a freaking. card game. I hate you, Metazoo. You At. the start, it was great. We bought a box. 100 bucks and it was selling for like. 900. So, at first we're like, "Oh, [ __ ]. dude." Like, we just made nine times our. money, but now the price dropped and. it's So, he bought he went in a rampage. of buying a lot of them. And so, if you. can't beat him, you outsmart him. So. whatever he bought, I bought when we had. this this money, this free money coming. from COVID or whatever because we didn't.

get a we didn't get a payout for nine. months or something. Then we had some. money. We were all our cards were paid. and I said, "Okay, if you want to do. this investment," but he was opening. them. So whatever he bought, I made sure. he put one away that he didn't open. So. we actually have $10,000 worth of. Pokemon we're selling right now. I'm. selling them now. The Metazoo, I brought. in $1,100. Where we got over is they had. this Kickstarter where you buy a $5,000. painting, one of the original 25. characters, and some of them are going. to be valued at like a h 100,000 if you. get Mo Man or something. So I told him,

"If you think it's right, the is this. okay?" I said, "If you think it's right, and it's like I'm I'm behind you. I'm. your wife. Whatever you do, I do. Let's. go." And then they didn't send it till. this year. Do you guys have any. investment accounts? I do. I had a Roth. IRA. I do, but I I Okay, how do I say this? Um, I have a Roth IRA. I put $600 when. my daughter was young. Um, when I. separated, I used the $600. They said. there was no penalty because I never put. never took out more than I made put in.

Um, and I have not been able to put. anything. I did have a Marcus Goldman. Sachs account where I had a little bit. of emergency fund. It's not a lot. it. was like $300. But when his debts came. up, so just to be very clear, instead of. putting anything towards a Roth IRA or a. 401k or even individual stocks in mumu, what we're doing instead, so we're. getting some gambling on hoping that a. $5,000 hour we're putting into a. painting or something like that turns. into 100,000. I'm so confused what this. zoo whatever thing I've never It's like.

it's Pokemon, but it uses things around. you, I guess. Like if it's your. birthday, you can use this card. If. there's a mirror in the room, you can. use this card. It actually went viral. It was crazy. The Kickstarter box went. for $10,000. We now have one of those. Kickstarter boxes because it worth uh. about a thousand. Yeah. Interesting. We. didn't We didn't get it. They gifted it. to us cuz they they up and didn't send. out the pictures and we never got our. gift. So, someone else's fault again. They never Well, you buy something, you. expect to get it, right? Sure. But like. just everything in this world I have. heard. Have you Have you taken. responsibility for one thing? Yes. I.

think one thing. You were like, I hate. that I'm taking responsibility for this. right now. I forgot what that was. I. can't control that. Oh yes, correct. So. that's the one thing you've taken. responsibility for in this entire cont. What do you mean? I've taken care of my. kids. Responsibility like taking. responsibility for like anything going. wrong ever. The one thing he got I. supported him. Okay. I did the wrong. thing. But I I I stand by it. I. supported him through the Metazoo. And I. know it was probably wasn't the right. decision, but you choose to be in a.

relationship. Well, the Metazoo was your. choice. Uh yeah, cuz I saw it blow up. I. was like, "Oh." And I said, "You can I. don't believe in that." My mom would. say, "Chinger. I don't believe I don't. understand." And all that chinger junk. stupid. But I support my husband. And if you. think that's a good call and if we back. up and we fall out, we'll find a way. out. That's my. responsib. We're under. Let's find a. way. Okay. So now we're selling all this. book. Do you not recognize that.

throughout this entire conversation, just constantly throughout every single. piece of paper, every story went we went. in, it was just like it was a deflection. and a blame on what someone else did. that was beyond our control every single. time. This entire conversation, you're. going to have to watch it back. It's. been it's very interesting. Sometimes it. is beyond our control. Sure. But. everything has been here. Well, we've. had a rough few years that we just we. didn't plan it. It happened, but we're. we're dealing with it. We're living. through it. We're not giving up. Yeah. That that's not at all what I'm saying. I'm just literally you've blamed it all.

on outside factors outside of you. Things are going to happen. I'm not. going to say that nothing's ever going. to happen, but literally everything. throughout this conversation has been it. is something. It is the worst. When you. brought up the fast food, I said we. could be better. We could, like I said, we could eat rice and beans at home and. I will eat it. If he doesn't want to. eat, I'll eat. You said he went to. Chick-fil-A. That's what you said when I. brought up the fast food. You said Well, I think we went to the same car because. for our kids, though. It was for our. kids, so it wasn't just because Yeah, but that's not what you said. You didn't. say, "Let's get rice and beans." You. said he went to Chick-fil-A. Well, that's why I asked. Did you go to.

Chick-fil-A? Because I didn't realize. that personive. I mean, it is. I mean, I get it. I am. taking responsibility. Obviously, where. everything? This is all me and him. together, right? This is us. And now. we're going to What are the actions? I. go get a job. I work harder. No, no, no, no. What are the actions that you took. that ended up to the place that were. irresponsible decisions of yours? What. were the actions? What are we able to. acknowledge that got us into this place. to begin with? You didn't make the. choice to have a fully funed emergency. fund. Having a fully funed emergency.

fund would protect us from a lot of. things that are outside of our control. Mhm. That is an act of choice because. you were not sacrificing things in order. to have a fully funed emergency fund. Okay. So, that's a part of it. Of. course. Of course. I mean, what are the. actions when I say when I start when. you're willing to take responsibility as. you say you are, what was irresponsible. that you've messed up that you are. willing to take responsibility for? Like. when he purchases something, right? And. I I save. I get angry and I go, "Well, why am I the only one saving? Why am I. the only one sacrificing?" And I go out.

No, I go out and spend. It's my problem. I have a problem where I'm like, "Why do. I let that get to me?" And then I go. spend. Why do I give my children what. they want rather than what like, "Hey, rice and beans is just as good. Soup's. just as good." Listen, like, you know, you guys are young and you don't. understand yet. Which I've been trying. I've been, you know, learning more of. But there was a period where I was sick. I couldn't cook for my family. I. couldn't do these things. I I was very. ill. I was in the in and out of the. hospital. They told me I was going to. die. Yeah. And no one's ever gonna say. you were bad for that part when you're.

in sickness. Like let's not go to the So. now I'm getting better and I'm like. working on myself. Of course, every day. What I am asking for is taking specific. responsibility. You started going down. and you started going down that path for. a second and then you were immediately. like and then I was in the hospital. Like there's been there was so much more. life before what happened to Of course. And so I started charging things a card. We we all Americans do it, right? We all. do it. And then that's stupid. We should. not charge it. We should not spend money. that we pay off other than child tax. credits, which are good. Wait, what?

Your lack of paying them off other than. the child tax credits. And then you went. through bankruptcy as well for the. business. The business? Yeah, that. that's all me. That was my mistake. Iard. Wow. You said I didn't take it. That was my mistake. The business was my. mistake. Oh, good. That's fine. Earlier. you said it was because of the landlord. So, it is. But it's still my. responsibility. It shouldn't be under. him. He shouldn't take a bankruptcy. He. wanted to take a bankruptcy for me. Not. saying it's either you or him. So it was. my responsibility. I have to do the. actions. I won't. Why? Why would it be. under him? Who would ever suggest it. would be under him because he Well, he.

wanted to Well, it's our business. together. I mean, oh, you were in the. business. Well, maybe that would help a. little bit. I was supposed to read the. He has offered to like go to accounting. classes and stuff because again, I'm not. the best with numbers. I'm trying my. best and I'm working up to it. Um I. would love to take an accounting class. Can't afford it, but um he's promised me. for years he would take it and help. we. do it together, but most of the time. when he offers to help with something, he just kind of dwindles away and I. figure it out myself. We didn't spend. $442.60 cents a month on going out to.

eat or 5.5% of our spending. I think we. could take a budgeting program online. Again, I'm I'm willing to give things. I. I don't know what course Careers has in. terms of that. Usually, it's tech. certifications, but I'll gift you one if. there's one for budgeting. Miscellaneous. things that do not improve your life in. any way whatsoever. They're just. miscellaneous [ __ ]. $1,749, 21.8% 8% of our spending. Yeah. How much? Unknown shopping. Typically, Amazon is about 2.2% of your. spending. Again, net only.

6% of your spending went towards debt. So, it's a no, we c it's not a we can't. afford it. It's a your money's going. everywhere and you guys just don't know. what's going on. No, of course. I don't. know. That's why I came here. You need. to sit down with each other on a monthly. basis, go through the budgeting program. together and take the quizzes together, but let's create you just like a. highlevel budget and say you applied for. government benefits last week. Yes, I. had to. What? What? Cuz I food. Food. Okay. Food assistance. Yeah.

Okay. What are you guys But you're not. you're not reporting your income. Yeah, I did. But you're not paying taxes, though. Why would I? I I support. everything. My tax lady does whatever. she does and puts it and she says you're. under. Okay. Probably because you don't. make enough. Yeah. She doesn't with the. three children. Okay. Okay. Yeah. You. all got to use my favorite high yield. savings account where you can get up to. 4.6% on your money plus FDIC insurance. up to $2 million. You can also get up to.

$300 for signing up today. It's the. personal high yield savings account that. I use for my money. So don't let your. money be losing money while it's just. sitting there. click in the link in the. description below and get those bonuses. Okay. Have you heard back? Yes. They. approved me for um $622 next month, which we discussed that that will be our. only spending together. We're going to. try to do it together on food. Yes. Okay. Only spending on food. You think. you can uh you think that's going to. stretch for four of you? It's very hard.

It could, I think. But I make I make. bigger meals that like again I'm not. taking respons I'm not not taking. responsibility. But a lot of the time I. want to be the one to cook. I want to be. the one to not go out. I kind of yell up. like let them know like hey if we go. spend this more debt we go in. I don't. care. I'm happy. Let's go. Oh I don't. care. I'm happy. Let's go. Um and what. do you do? You're sad. You know you. don't want to. You meal prep and then. you reheat. Is that what we're talking. about? No. I cook that day and then.

usually leftovers the next day. Think. about some potential meal prepping as. well. Um meal prepping can be a really. good way to save money cuz we're buying. in bulk now. The reason I asked if. that's going to stretch that could. stretch for normal, but there's a lot of. dietary restrictions here. Yeah. Across. the board. So what do. you. think grocery bill we could do on a. monthly basis? Well, we had 900 in. California and that barely got us by. But like I said, I will make whatever. work. My mom made it work when she was. alive for my dad. Please. A number. What.

do you think will Whatever the number is. for the So $622. Okay. I'm going to try. and make That's what I said in the. beginning. Yeah, but you can you can add. more cash on top of that with your own. Yeah, we could. Yeah. If we need, but that's. what I'm trying to stick to. I'm trying. to stick with this. So, we're going to. try that. Okay. Yes. 622. Health, medical, anything ongoing. We just got. sooner. I just had kidney stones two. weeks ago. I'm sorry. Yeah. Um, so, uh, the VA covers the first two emergency.

rooms and then they signed me up for. something called Sooner and they said, "Yeah, you need that." And so we just. got signed up and then we're trying to. get child services where they will help. us watch our kids um so that we can go. get better. I can go get a better job. Okay. What kind What do I need to put. for medical on a monthly basis? I don't. think there is anything. Nothing. There's nothing ongoing. Okay. We don't. take gyms. Gym subscriptions. So, our. apartment comes with L. Oh, yeah. Good. That's great. TP fun. Anything else you. need to survive? Uh, this could be.

school stuff as well. It's really going. to vary on a monthly basis. We're just. trying to get just an average and I'm. thinking about 200 bucks. It's. everything else you need in life. Toothpaste, blah, blah, blah. Cuz the. diapers, he's almost out of them. We're. trying our best. Phone bill. What was. that? 170 wood. Okay. What's your rent? 1540. Utilities, water, gas, electric. So, uh, water is like 50 a month. Electricity is. like 100 a month, and then internet.

right now is 90, but I could drop it. down to 70. Let's drop it down to 70. Yeah, it's World of Warcraft. I don't. think it needs to be that. It doesn't. need 500 megabytes, though. Well, didn't. you like you tried to put No, I think. now So, they I tried to get my router. installed and then it didn't work and. then they said I was going to have to. pay $15 a month to use theirs, so they. made me upgrade the plan to get the deal. back. Yeah, it's just a big We have. renters's insurance. Yes. Yeah, we do. We have two renters insurance right now. because we're trying 20 bucks a month. then. It's like 30 something. And then.

we have the other one that we cannot. cancel until our insurance goes through. How much is that on top of the 30 then? Another 20some. So 50. Okay. 55. Let's. call it gas. Vroom vroom. Drive. Drive. We do drive a lot. Um we go to parks. every day. We go we just go to do free. things. It's between 50 and 60 bucks a. fill up. And we fill up at least once a. week. Oh, yeah. Because the door dash. that anymore. Oh, we were doing some. Door Dash. Yeah. Without the Door Dash. 12 a.m. through 3:00 a.m. What do I.

budget for gas? I think 200. Can we do. Oh, cuz you he has a car, but he owns. it. It's a 1992. I only drive it till my. dad's down the street. What take a gas. last two weeks? Car insuranceances. Oh, I don't know. Car insurance. One car insurance is 2. something. Oh, that's for both of us. And then I have a motorcycle. What? There's a lot between two and three. I. think it's like 270. I'm not to We're. trying to get And the other one um. motorcycle insurance is 27.

What? There's a motorcycle. I have a. motorcycle. Sell it. I will not sell it. She'll lose a lot of money. Should I. even I will lose a lot of money. It's. not even mine. It's my What do you mean. lose a lot of money? Is there debt on. it? No. So, you just mean in terms of. what? It's not worth what what you. bought. It's not worth anything compared. to what it's worth. What could you sell. for. realistically? Because of the special. seat I have because I tore everything in. my right arm in the military or my left. arm in the military. Um, probably not. even much, but maybe less than 4,000.

But it's not mine. It's I promised it to. my daughter Harley. That's her name. That's the bike from her dad. Yeah, it's. from her dad. There's wind. And it's. also essential to me because when he. takes the kids in the car that we can. actually take the kids in the car. We. can't take the kids in the Toyota Camry. Um I ride that. That's my like. transportation to work. But it's not. here. I have He can't drive his whatever. car. Don't we have two cars? You said. Yeah, he has his 199 is barely working. So we try not to to It's a 92 Toyota.

Cabri. It's it was gifted to us for our. wedding because he had like a boat. saying is $4,000 could pay off some debt. and I'm willing to work extra hard to. keep that. life. Okay, guys. It's actually what got. me sober. So, it is. very very important to me. It may not be. to you and I understand that. No, it's. not that. It's just it's. a it's a bad answer for everything. Okay. $297 for car.

insurance. A motorcycle got you sober. That's interesting. It actually got me. back to civilianhood. Like I couldn't. come out of the military. Like I would. pass Coke cans and they would look like. IEDs and all this. And I sat on a. motorcycle for the first time and I do a. bunch of 911 rides for veterans. I. support a bunch of those things. So. yeah. 297 for car insurance. Nothing in. subscriptions. Anything else you need to. survive that I do not know other than. your minimum monthly debt payments. What. else is there? Anything else that needs. to be in the budget? No, we pretty much do everything.

ourselves. Um, I cut their own hair. I I. am beyond excited for you to reach into. Noah's soul in the post show. [ __ ]. just whatever this is. I need. this. The dement payments are insane. 1,3967. Alrighty. I think you guys more than.

anything need to have a big conversation. where you want to be like literally. physically where you guys want to live. and like figure that cuz if we're going. to put down roots and like Yeah. First. of all, you 2,600 comes in net for you. Yeah. That's nothing, dude. Yeah, you. like you need another job immediately. and then you make even less than that. You need 4,000. Like this is a minimum. survival amount. $4,69467. Yeah.

Now, no reason to say anything aside for. taxes cuz you guys don't really make. enough. I mean, it's just more of a. safety thing, but it's like. So, would you recommend like I watch a. lot of your shows. Do you get the. emergency fund first or we start paying. the things before the deferred interest. comes in? Because you guys have kids, I. would love to see like a two-month. emergency fund before throwing things, which you. $8,000. That's $9,000 you guys would. need to hit that two-month. And right. now again, yeah, you guys are literally with the food.

stamps even included in the income, you. guys are still Oh, I also get 338 from. the VA. I'm 20% disabled. 238 338. Okay, I forgot about that. With that. total coming in. $5,60 with all the benefits. So, you. actually do walk out with an extra $300. on a monthly basis if you budget down to. the most basic thing. But again, just. getting a two-month emergency fund, my. dudes, takes 30 months. 30 months or two.

and a half years. 30 months. So, it's. basically this. I mean, this is this is. this is not an answer. That's not an. answer. Cutting back spending is hardly. an answer. The very clear thing right. now is obviously need to cut back. spending. What I need you guys to do. after this on your long drive home. We're talking where do we want to maybe. we need to talk to the uh virtual. therapist about this. Let let me pay for. one session. Okay. Let me pay for a.

session of couples therapy. Just see if. maybe you guys vibe with it. Vibe with. it. Let me pay for an intro session. you. just send me the invoice, I'll pay for. it. Just go through that and through. that hopefully, you know, you do a. couple sessions, decide where you guys. want to be. Is it Florida? Is it back in. California? Where do we need to be that. we can put down roots? Because, you. know, if you go out and you try to go. get like a better paying job and you try. to establish something and then we're. moving in a month, it's like. everything's chaos. Everything's chaos. right now. The world's on fire in your. life. I need you guys to be established. somewhere. I need you to start focusing.

on your career. I need you to start. focusing on your career. take advantage. of the services in the area to hopefully. have the kids covered. You know, they're. going to be headed into grade school. soon. That'll be helping. You know, one. of them is still a couple years away, but you know, kindergarten at least. Well, yeah. One's still away and one got. kicked out of um kindergarten. Why? Why. she hits? She hits. This teacher, she. hits the teachers. The teacher told her. something about you have to be good to. be good. And she just threw a chair at. her. Listen, I love a good Waffle House 3:00.

a.m. fight, but I don't think we need to. be doing that in a kindergarten class, but what the do I know? I don't have a. three-year-old, nor do I want one. So, or four or whatever. A lot. Yeah. If you guys don't decide. where you're going to be, what even a. year down the road of your life looks. like, there's no conversation to be had. So, you guys need to determine that. Then, you really need to stick to the. budget. Figure out what your real budget. is. This is a high level thing. Well, maybe you're breaking even. Maybe. there's an extra $100 to be found. Maybe.

you're actually negative. You know, we. need to figure that out. When you're. moving, benefits might be, you know, affected. Um, well, we were hoping to. stay here until we pay off debt and save. up. Okay. Well, to be very clear, it's. going to take forever. Like I said, uh I. haven't told you this yet, but my dad. has offered to help us get a house. He'll pay the down payment and. everything. I don't know if I want you. guys to be in a house because I mean, I. would right now. right now to be clear. because uh well we have no storm. shelter. Yeah, but and there's been.

we're in the city of tornadoes and. there's been Yeah, you're in the tornado. alley. I know. Yeah. And so my but we're. literally going to buy a house for that. purpose. I don't know. My dad It's my. dad's thing. Okay. Well, either way, fine. If your dad's going to do that, then he better agree to pay for anything. that breaks because that's the concern. is once you guys get in a home, the AC. price or whatever breaks and it's all of. a sudden tens of thousands of dollars on. your plate. need a new roof, you know, insurance doesn't cover it. It's all. this extra stuff. Maybe you get a. massive property tax increase for. whatever reason, you know, all this that.

is beyond out of your control where even. right now renting is more affordable. nationwide on average right now than. home ownership. Home ownership is. something I want you to have overall. because I want you to be without a. minimum monthly payment in terms of. living by the time you retire him. But. again, it's this is this is it's a very. rare thing for my dad to come through, but he is very well off. And so, oh, what's well off? Multi-millionaire. What's multi? I don't know. Okay, he. will tell us. He goes around the world. fixing Apple stores. So, he doesn't need.

to tell you, but I was more curious than. anything. Yeah, but good for him. Yeah, maybe you guys. can get He didn't get He didn't get it. until his late 40s, so [ __ ] sacrifice. and like actually, you know, let's. instead not have to wait for our mid-4s. Let's start doing that our late 30s. Yeah. Yeah. Oh, 40 in her early. You're. almost mid30s next month. Does your dad. know you have magical powers? Yes. Oh, yeah. You should see that stories. He's.

like, "This is his face, guys. That's my face. That's the audience's. face." And then all his friends are. like, "Oh my god, you do." And he gets. really upset. My daughter's good at. something. Oh no. I don't think that's. the issue. A lot of. times you don't know my dad. He's trying. his best. Okay. Plus the one month emergency fund. paying off your debt and at this pace. and this is even if it's accurate takes.

2003 months. So again I don't think. that's the conversation. This is you got. to just figure out some basic first. The. job I applied for that I'm waiting for. in a week. They said they on average. makes 1,200 a week. So that's why what. was it again? Oh Texas house. She makes. 1200 a week. Okay. Part time. I'm I'm. going to go haul. I don't care if it's 2. in the morning. Yeah, that would be I. mean, let's be candid here. I mean, well, never mind. Let's not be candid. There there people are people take. things the wrong way out there. So, no.

candidness. Uh but some people make more. money for certain reasons in the surfing. job. I mean, you think that I'm this negative. person, but like if you want him to like. he was just telling me he's like you you. walk in somewhere and people give you. things and people you're so kind to. people. You're always telling them how. magical aura so they just give you. things. No, it's just you're a good. person and you really want to reach out. to the next person. But you don't bull. you don't you don't say that like hey if. I'm having a not having a great day like.

hey I'm not having a great day and. you're honest. I'm about to have a great. day after this cuz you're going to blow. Noah's. mind. Spending in a budget is. ridiculous. We're outspending everything. but it's stupid. Zero out of 10. Not. even a consideration. Debt. Luckily, we. don't have collections or IRS debt, but. it's still pretty bad. I think it's. going to be about a two out of 10. Emergency fund. There's nothing in. savings. Not anymore. Okay. Zero out of. 10. Retirement 0 out of 10. Real estate. 0 out of 10. Being generous, hammer. financial score 5 out of 10. Make sure. to check out all the resources linked in.

the description below as they are what I. use or would use in specific situations, including the best budgeting program in. the history of the internet. Now, stick. around for the post show. No one was. about to get up today on the financial. audit post show. Works for you how you. want it. I call it by guides. I call it. by yourself. I call it here. I'm getting a little aggro in my little. meditation. To watch the financial audit. post show, click the join button below.