Evil Husband Forces Wife Into $372,130 Of Debt | Financial Audit

before you start cheating. It's his. fault. It's his fault. We We got into. this because of him. >> I handle everything, right? Did you want. to be a part of it? >> No, >> I didn't want to be part of it. We ended. up falling behind in a lot of payments. because he wouldn't communicate to me. what we needed to pay on time. >> and you just lied. Well, it's not that I. lied. It's that at the time we were. doing okay. >> You did. >> How about you guys sit down, do it. together, >> because these ideas won't work. >> You asked for it and I'm delivering. Master Your Money, my all-in-one. personal finance platform, is finally.

live. Get access to all of my courses, templates, calculators, [music]. budgeting community, and the Dollar Wise. app. And for this Black Friday only, grab the Ultimate Hammer bundle. Lifetime pricing at just $39.99 a month. Unlimited use of the Dollar Wise. budgeting app, a free month of Hammer. Elite 3.0, and a bonus cookbook. Click. below and start mastering your money. today. >> Hi, I'm Maria, and I'm 27 years old. >> Hi, Santiago. 29 years old, and we're. from Houston, Texas. And this is [music]. the financial audit. >> It is. It is. It is. Thanks for coming.

over from Houston. Really appreciate it. I love how even with your fake name, you. gave it that nice Mexican twang. Uh you. you hit it on the full accent. >> Got to keep it real, too. >> And we gave you a nice racist name as we. usually do. Thank you, Colton. Well, welcome. Welcome over to Austin. Happy. to have you guys on Financial Audit. Um. well, we'll start with you, Maria. What. do you do for a living there in Houston? Um, I'm an uh in Well, [laughter]. >> oh, >> sorry. I'm an engineer.

>> Oh, sick. What kind? >> Um, I just do engineering. Let's keep it. at that. >> Okay. What do you make? You don't have. to tell me the industry or anything, but. is there like a engineering is could be. physical. It could be. >> engineering. >> Is it click clacky engineering or. >> click clacky and outside? Engineering. >> Oh, and outside. Very good. What are you. making? $32 an hour. >> An hour. Okay. And how many hours a week. are you getting? >> Um, typically I try to keep it at a. minimum of 24 hours, but I can do more.

>> She's only doing 24 hours. >> It's part time. >> Part time. Well, I have a daughter. >> Get into that. >> Just one one kid. Yeah. >> Huh? >> Huh? >> Two years old. You live what? >> Far away from Houston. Where? We live. out in the. >> outskirts in one of the suburbs. >> Get a job closer. >> Um, I tried. >> It didn't work out. [laughter] It didn't. work out. >> There's almost nothing out there. That's.

why. >> Maybe we have to move closer. >> Still very humans have Oh, you own a. house. Yeah. I mean, humans have to. migrate towards opportunity. That's what. we've always done as a civilization. >> There's a whole story behind it, that's. why. But, >> well, that's fine. I don't think I need. it right now. But [laughter]. >> uh very good. What hits your account on. a per paycheck basis and how often is. that? >> Um so every two weeks I get about um. 13. >> Okay. >> 1300. Yeah.

>> Why she seems so cautious about. everything she's saying? >> Is she not confident [laughter] nerves? >> It's probably the cameras. Okay. >> I know people get a little nervous. No. one's used to being on front of the. camera comes on the show. And I do. appreciate you guys coming. Everyone, you know, everyone just watches the show. and then they apply to be on. [laughter]. >> So, >> huh. >> They need to come on, right? >> Yeah. You guys did. Santiago, what do. you do? >> So, I'm a construction safety guy,

basically. >> Safety guy. Okay, very good. How much. you making? >> Uh, so I make it's a yearly salary. It's. 86 plus uh you know, we get a yearly. bonus and stuff. >> What does that look like the yearly. bonus? So, it's about 19% of your 19 20%. of your salary. >> Um, so. >> that's actually pretty damn chunky. So, what hits your account per paycheck per. month? Per month. >> Per month. Well, so I get paid. It's. like 1250 1240 per week. So, per month's. like. >> 1240 a week. >> Yeah. So, it's like 49.

>> Time 52 divided by 12. Average it out. Some longer, some shorter. Looking like. 5373. >> Yeah. Um, and on top of that, I do have. like a second job that I. >> kind of like a second job. What is your. like a second job? >> So, I I teach OSHA classes. So, I'm an. OSHA like outreach trainer. So, I do. like OSHA tens and 30s and stuff. >> What are you making from that? >> It depends, right? So, >> on average, average it out. >> Average it out. So, for the past couple. weeks, like let's say I do one class, it's like average. What What is average?

Like over the last like how. >> Let's say 450 per week on top of regular. salary. >> Good. I mean, I love that. 52 / 12. That's an extra Look at I mean, look at. that. 1,850. Does that sound right? >> It's about right. Yeah. >> He recently got that job, too. >> Well, that's good. Two weeks. Two weeks. Well, cuz you don't work. >> No. >> Well, that is not. >> because it's his fault. It's his fault. We We got into this because of him. >> He wasn't telling me having a kid. No. >> I mean, you both did the act.

>> It's because he wasn't telling me any of. the finances. I was trusting on him. >> What do you mean? like he was taking. over everything and [laughter] no hold. on hold on before he starts speaking. this is the this is the problem so. >> askina here we go [laughter]. >> oh yeah. >> so the. >> still highly recommend. >> so it started with um him taking over. the finances like him taking taking over. the payments I'll ask him hey what do we. owe what do we u what do we have to pay. this week and he'll be like I got it. don't worry about it um just transfer me.

$700 or give me this and then I'll pay. everything. So I was, you know, trusting him that he. was paying everything and then he. started saying, "Okay, we might not make. the payment for the mortgage. We might. not make the payment for the car.". >> Why were you taking control of. everything like this? Like almost. forcefully like it sounds like she kind. of wanted to be participating in it, but. you were just there like, "Oh, it's me, Santiago, and I'm taking over all the money. Like.

I own everything.". >> It wasn't exactly like that, right? So. it felt like essentially we both were. working professionals, right? Once we. graduated and got together, >> welcome to almost every man and woman. >> Yeah. Well, yeah. But the point is, so. we were. >> when we were living together before we. had our daughter, we were both working, making good money. We're like, "All. right, cool. We got some, you know, we. got some flexibility. We'd go out a lot. We'd, you know, do all the normal people. do, right? Um, we can fit a fun budget. then." Yes. >> Yeah. Well, that's the thing. At that. time, we had a fun budget. we, you know,

we had enough whenever, you know, she. got pregnant. Um, you know, we were. like, "Okay, we need to move into we. need to upgrade, right? Get a house, do. this and that." That's when. >> Why? Kids are raised in apartments all. over the world. That's what I told. >> Yeah, I know. But we lived on the. >> Oh, you told him this? Yes. >> Oh, so he was really pushing this. Yes. >> So, you didn't even fully agree. The one. who got pregnant. >> Hey, [laughter] so. >> dude, she's the one that got pregnant, had to give birth. >> Thank you. >> Mostly raised the kid. And she's like, I'm chilling in an apartment. I was on.

the third floor. >> We were even looking for another. apartment and then you were like, "Let's. try to get into the house." And I'm. like, "No, >> floor first of all. Second, we did. people." There you go. Second, people. live on the third floor, bro. It was all. right. So, >> there's no elevators, though. >> Well, most don't. >> No. No. Aside from Yeah, they were. ghetto, too. No, but they were not. It. was supposedly in a nice area, but it. was ghetto, dude. Like, you'd come. outside and it's like. >> you got cars broken into. >> Well, that sucks. We move apartment. complexes. That doesn't mean we buy a.

house. >> It was buy a house in a ghetto area. where they slashed tires. >> Well, >> and not even in a bad area. And I had a. [laughter] window smashed like last. year. >> Well, the thing is, so like what we're. paying for the apartment complex or what. we're paying for our apartment in. Houston, the market's crazy. So, it's. like you're looking at. >> that's not the most expensive city in. Texas. >> It doesn't matter. But if you want to. live in a semi cuz you just said it's. crazy. It's not. If you want to live in. a semi nice area, >> Dallas is more expensive. Austin is more. expensive. Houston's more expensive than. San Antonio.

>> Live there. There's more more everything. in Houston. So, there's much more. competition. More people want to live in. Houston. There's a lot more work. It's a. booming city. >> Uh I believe Dallas and Austin are. growing percentage faster. But Houston. is the fourth largest city in the. country. However, it's mostly just. suburban sprawl. I mean, and highways. and death and depression and horrible. >> Yeah. But. no, it's again, if it's everyone's. fighting for a place, that means prices. would go up more than everywhere else in.

Texas, and that is objectively not. happening. So that's a cope, if I've. ever heard one. >> Well, the way I justified it was, all. right, look, we're paying, you know, 18,900 uh per month for an apartment. That's what we're going to pay. >> You don't have to necessarily, but a. mortgage locks you in. >> Rental prices go up and down. Listen, we. keep. >> going up every. >> we build in Texas. Rent in Austin has. gone down about 40%. That could happen. in these type of markets, you know. >> So, but cost of housing has only gone up.

in terms of owning a house. >> Yeah. But you want to. >> interest rates and everything. >> The idea was we build some equity in a. house. Okay. At that time, we had we had. some Yeah. At the time, yeah, we could. you were heavily against it. >> This is what happened. We had the money. We justified it. We're like, "All right, we're making good money. We're both. working. Were you making just as much. money? Cuz you're making $10,000 a. month. >> She was making more money. Um, >> were you making $10,000 a month? Cuz. that's what you guys are netting right. now, which is incredible. So, I don't. know why we're struggling. So, you made. less. >> I made less.

>> You guys are doing incredible. I uh. Okay. And what was her argument against. it? Can I hear that? >> Cuz she's the one that made you apply. I. have that on my notes. She made you. apply. >> Mhm. >> What was your argument against. >> watching over your shoulder as you were. going through the application? >> Mostly cuz I'm the faster typer. >> Mhm. It's weird if you're the engineer, but okay. [laughter]. >> What's her argument? >> For what? >> Oh, [laughter] come on. You're telling. me I have a reason why you wanted to do. it? Why was she against it? She was. against it because she's like, "Why do. we want to get a house right now? Let's.

just continue to live in an apartment. complex." This and that. So, I work. construction, right? So, I work kind of. all over the place. So, like at that. time, I was working um let's say very on. on the south side of Houston. And. >> any chance you remember towards the. beginning of the conversation when she. says there's not a lot of opportunity in. the place that you guys live as in where. you bought and now you're stuck in. >> get a job closer. >> There's almost nothing out there. That's. why. Okay. So the thing is when we were. in the process of buying the house, we. were trying to look outside of Houston.

We were trying to be a little bit. outside. We never thought we will end up. all the way. >> Well, Houston proper is not that big. It's endless cities around it. So I I. don't know. Well, Houston, we wanted. more. >> Houston metropolitan area. Yes. >> Uh, you can say we wanted more like away. from the city type of. >> We just wanted to be outside of Houston. >> There's hardly a city in Houston. >> Dude, Houston, you drive. >> Have you two hours and you're still in. Houston? [laughter]. >> It's not Houston is not crowded. It's.

objectively not crowded. >> When's the last time you've been there? >> Houston is objectively every human. density metric not crowded. It has. traffic because you have people sitting. in cars that are larger than this little. area that you and I are sitting in right. now. And it's one person per car because. we decided that's the most effective. [laughter] use of transportation. It's. not crowded compared to almost any city. in the entire world. Houston's not even. close to crowded. You have no idea what. you're talking about. >> Looks crowded to me. >> It's not. >> Okay. >> It has horrible transportation.

>> Prettying annoying. It has the widest. highway in the country and it still. doesn't work. >> because you guys are. >> us. >> I blame us Houston. Yeah. >> I blame the transportation engineers. [laughter]. >> Uh-huh. Okay. So, you made him apply. Why. >> to financial audit? >> Because. it's his fault that we're here. So, he. has. >> his fault. Cuz I hear the house thing. Okay. I get the argument. I don't I. think it was stupid. You just You didn't. need to. It was the need. the need.

didn't exist. But go on. So, why is it. his fault? Tell me. >> Because we ended up falling behind in a. lot of payments because he wouldn't. communicate to me. Well, we needed to. pay on time. He just kept brushing it. off. And it it's also he wants to please. everything I want. So, if I wanted this, he'll buy me this. If I wanted that, he'll go get it for me. Like, it's just. treating me like a queen. >> The way I see it was [laughter]. she was spoiled. Yes, I spoiled her a. little bit. But the thing is, I needed. to keep her not in the dark, but like.

she needed to just worry about like our. daughter. I didn't want to add any more. stress to her. So, I was like, she's two. now. >> Okay, >> she's a handful, but she uh. >> this is my thing. Like, I wanted to keep. her kind of just focused on that and. then I'll like worry about the bills, worry about that, not take over. You. want to know how to stress out uh a a. wife that just had a kid. >> and you guys kind of still just had a. kid? Not paying your bills, being behind. on your bills, risking losing the house.

over your head. I say that stresses. >> Yes. You see, >> but at least I carried the burden. Like. in my like as far as the burden of the. carried the burden and then dropped it. on her head. Look, the way I see it, the. way I see it, I was trying to keep her I. wouldn't say like protected, but like I. needed to kind of take care of it as the. provider of the family. >> And you didn't provide. >> Well, it was kind of hard, dude. Cuz. like, so we had. >> like we started out as a dual income.

household, right? Okay. We were both. working. She was working. I was working. >> Then you're like, "Oh, we're about to. have a kid, so we're going to be a. single income household, so we should. probably buy a house.". >> Well, this is the thing, right? So the. idea was she's, you know, she got. pregnant, she took her leave, we had the. baby and everything. Afterwards, the. plan was for her to go back to work. >> She doesn't freaking take hours a month. >> That didn't happen though. >> You guys not know you guys are doing. well beyond the median in Houston, in. the United States, and everywhere. But. now that we made him apply. >> Yes. Because we need that help.

>> We We dug ourselves into a hole. >> You dug us. >> Okay. We We are a team. We dug ourselves. into she's saying you. >> now now you're including. >> why why are [laughter] you saying that. specifically? Why you. >> Because of him the reason why we're. we're here because we're backed up on. payments cuz he never told me anything. >> I want to hear details. Just tell me. about the whole thing. How did it look? How the whole situation look? >> So then I ended up finding out that he. ended up pawning his. and asking for money to his mom and his.

dad to pay this to pay that. And then we. weren't able to afford daycare and it's. just on and off a lot of things just. >> that's kind of skipping a lot of steps. along the way. It was a lot of built up. a little bit. >> She was working she took time off and. then afterwards she's like hey like cuz. she did right like she dealt with. postpartum and all that. She didn't want. to go back to work. So I was like okay. >> I did go back to work. Let me let me. tell you the story. >> She went back to work for 3 months. >> What happened? I had about two months of. leave because I ended up having.

C-section. Okay. I went back to work. I. went back to work like about for 3 4. months. >> I couldn't do it. I was going crazy with. my daughter. I ended up kind of getting. like anxiety, postpartum depression. >> Yeah, I can't accept it. >> Crying and all that stuff. So, I was. like, I can't do it. At that time, you. were in another job, remember? >> Yeah. I was at a farther job. >> More money on that time. >> Well, before that, >> she she decided she's like, "Okay, well, you know, I don't think I want to go. back to work." because it was really.

hard for her to be away from the baby. and just the you know like the anxiety. postpartum and all that. So I was like. look my buddy is telling me let's start. a company. >> Oh. So. >> what do you want about why dude? >> It was a good [ __ ] deal. So he was. like look I'll get you a guaranteed. salary. He's like we're going to build. this from the ground up. It's going to. be for us. >> Guaranteed salary. Who the says that. other than applying for a real job? >> Well so here's the thing, right? We were. like oh it's going to be for us. All. right, cool. So, I ended up leaving I.

ended up leaving my my job, right? I. left my job to start this. >> out. Well, she was out. >> It was for a higher salary. So, I was. like, "Okay, it's going to help us out.". >> How do you have a salary at a brand new. business? That doesn't make sense. >> Cuz we had a like a you could say like a. fund, right, to start the business with. >> What was the fund? >> It was I won't get into that too much, but it was a significant number. >> It was at least over 300K, right? >> How How did you have that? >> I didn't. It was it was.

>> him. >> It was my buddy who started the company. essentially what it he didn't give it to. me. So he was the owner and promised in. commerce payroll. >> He promised me a salary. >> A salary. Okay. So you weren't working. for him. You weren't going into. business. What was your role? And. promised salary. >> I was the operations manager since. 100k plus bonuses commission. >> Okay. >> And it was good. Good for a while. Yeah. So like it the checks would roll in. It. would help us. And I was like, "All. right, look, you're struggling to go. back to work. just quit. Like I got it. Like I think we're making enough money.

cuz at the time we were I was like I'm. making enough money to uh to to sustain. us. You can stay home whatever. Um and. so the idea was she gets out of work for. a year until you know our our daughter's. old enough to. >> start off they. >> you guys don't agree on anything. >> She's talking for me and I tell you. don't talk for me. Let me talk. >> So this is very frequently. >> Yes, bro. something like. >> I tell you not to talk for me. I feel.

like we have these conversations pretty. often, don't we? >> Somewhat weekly, actually. Every Friday. >> in therapy. >> Ah, well, that's good. [laughter]. >> So, uh, I ended up trying to leave work, but the good thing about my job was that. my boss was actually very nice enough to. give me more time to be out. >> Good. Love it. Um, so I was out for. about six months and was supposed to be. able to come back in. I. >> Do we not realize that this was two. years ago? >> Yeah. >> Like what the happening now? So you guys.

limit on three cards. I have. >> two cards. Two cards. I'm looking down. and in order to get that hole. >> We dug ourselves into a deep hole. How. does that make you? >> She says you. >> I did because we were trying to maintain. the bill so we didn't lose that was. important, right? So I was like, "Okay, we're struggling to pay this income at. the time.". >> At the time I only had the single salary. and that was before I got. >> uh I was like at 76. >> So obviously first of all 76 is great.

What what what's the struggle? That's. still doing better than the median. household actually combined household. income. >> Yeah. But is that you're doing the what. is usually two salaries. So I don't know. what you were struggling with. You. obviously lost that other job or he. stopped paying you. >> Well the business went under, right? So. there was a couple months where it was. like Yeah. So it was a couple months. where we were doing great, right? And. then at towards the end of it, I mean, I. think at one month probably the lowest. we made was like five I made 500 bucks. the whole.

>> So it was like, dude, I can't do it, man. I was like, I got to go back. >> So why were you struggling to $75,000 a. year, though? >> Because that was when I went back to. work at my old company. >> Yeah, but why were you struggling at. $75,000 a year? >> Because we had accumulated all the debt. from being a going from a two income. household to a one How did you dig the. double hole? >> So like a quadruple hole. >> What did he do? >> So by that time we were already living. at the house. >> Yeah. In con. >> we had already purchased a lot of things. stuff for the house and then.

>> did he do all the. >> He said in order to get out of the hole. he dug a deeper hole. What did he do? >> Well because he ended up leaving that. job with his friend or they went. bankruptcy, whatever. He ended up making. less money now. And then now that we. payments were coming in, you weren't. able to catch up with those payments and. kept falling behind. Kept falling behind. and having to get loans and having to. >> So you're taking out loans for [ __ ] and. pawning your guns is so I've never even. heard that on this show. >> Yeah, I know. It's cuz dude, I had a lot.

of I'm like, "Well, we need some quick. cash. I need like 800 bucks right now.". >> Pawning. >> Yeah, cuz you guys are. >> Yeah, basically. But I didn't want to. sell them. So, I was like, "Let me pawn. him. I'll get him back, you know, once. things.". >> Yeah. But the thing is that when I went. back after that six-month leave, >> um, I couldn't do I felt like I still. wasn't ready. And then we were leaving. far and I was like, the drive is almost. 2 hours every time. I might as well stay. home for a bit and look for a job over. there. Um, so I ended up leaving and.

cashing out my 401k. >> How much? How much? Cuz you have a child. and that's like Okay, hold on. Hold You. need to be able to retire without the. kid taking care of you. >> Okay, so this is the thing. God damn. >> I cashed it out in order for me to stay. as long as I can out from work to be. with my daughter. >> That's confusing cuz he was making. money. He was. >> It wasn't enough though. >> Okay. I I knew it never if I went. through the spending during that time. Come on. There's no way you cut back. People Americans refuse to cut back. Well, so that was part of the whole.

digging ourselves into that thing cuz. whenever we whenever I got the new job. and all the, you know, 100k salary, whatever. All right, cool. And she had. the baby at that time. I had a truck, right? It was a it was a 20 like a 2015. Dodge Ram. Uh, >> no, you had a Silverado first. >> I had a Silverado first. It was. completely paid off. I had paid it off, but it was completely Dude, like the the. You had brake issues. The reason you. didn't go back to work is cuz you. thought your daughter was going to be. abused in daycare.

>> It's more like being afraid of what. happens because you know all these. videos. >> going to a Catholic. >> dayare because of all the videos that. you see like on on Tik Tok and Facebook. of like children getting beat up, this. happening to children or something. happened to. >> you're consuming fear on a daily basis. via doom scrolling. >> I was I was afraid of that. That that's. where. >> you cannot make your daily decisions. based on doom scroll. I told you that. you can't. >> That's where my anxiety, my depression.

started hitting. I would be crying every. day. I couldn't focus on work and. everything. So, I was going crazy. myself. >> Well, that part's fine and I'm okay with. you taking time. >> I ended up taking therapy. That's when I. ended up leaving those 6 months that my. boss gave me again. >> How much did you take out from that. 401k? >> It was like. >> Why are you speaking for me? >> I'm just saying. [laughter]. >> 17,000. It's chunky. >> Yeah, it was good money. >> Chunky. Was that everything? >> Yeah. No, I ended up getting afterwards.

as well more money like a,000 extra. >> I mean, is something,000? Guys, you. literally. >> But it was to sustain me out from work. So, that actually helped out for like. about 10 months. >> $130,000 in in debt outside of the. mortgage. Outside of the mortgage is. 13,000. How was that even possible? What have. you done? What have you possibly done? That is insanity. >> Well, outside of the mortgage,

[laughter]. >> well, one is the car. >> Yeah, the car is. >> the car is the big one. The main one. that we're like kind of fighting. >> No, hardly. Honestly, no. >> It's like, you know how some people have. like. >> I'd say more than anything it would be. an RV, but even that isn't meeting up. 20. That's not even a quarter of the. debt. You don't have any individual debt. that is like more than. >> 15% of your debt outside of the. mortgage. [clears throat]. >> So the RV is Yeah, that's a precarious. situation. But all right. So as far as.

that is. >> a fix up. Is it a buy, fix up, sell for. more money? Please don't tell me. You. guys going to live on the road? >> No, it was for my mom. >> So. >> what the dude? [laughter]. >> Okay. Okay. Well, I'm sure we'll get. into that as we go through all the debt, but I need to know how the communication. around money in the household is right. now. Like when you sit down, you guys. talk. How do these conversations go? >> Before what it used to be was I handle. all the. finances. I handle everything. Right. >> Did she want to be a part of it? >> I was the responsible. >> Did she want to be a part of it? You're.

not responsible. Look who we. >> I didn't want to be part of it. I asked. you, hey, what do we need to pay? What? I'm getting paid my check or whatever. I. have extra money from the 401k when I. wasn't working. Hey, like are we missing. anything? No, you're fine. It's okay. Go. spend your money. Go do this. this cuz I. used to go shopping online. >> So it was lies. >> Well, like she she was trying to be a. part of it, trying to understand if it. was appropriate to spend or not. >> Shopping is not a bad thing. Whether or. not it's appropriate is the question. And you just lied.

>> Well, it's not that I lied. It's that at. the time we were doing okay. You did. We. were doing I kept repeating that to you. so many times. Stop lying to me. Tell me. the truth. Hey, what do we owe? Do we. got to pay the light bill, the gas, the. house? What What's coming up? Like I. need to. >> every time something came up. I had a. plan in my head. So I would say look all. right. >> Oh, you're one of those guys with the. plans. Plans your plans work, dude. You. [laughter] There's proven systems out. there that you can take advantage of. >> Well,

>> and you wanted to do these plans. You're. the guy with the plans. The plans never. work. >> I know. >> You get an infinite amount of plans. >> All you're telling me is that I need a. new plan. Look, private student loans. can make you feel like you're one. mispayment away from selling your. grandma's heirlooms. We miss you, grandma. Why? Refi says, "Chill out. No. more sacrificing the family jewels. They. don't reduce you to a credit number. They actually want to see if you. actually plan on paying them." And by. the way, they're providing interest. rates under 6%, which is practically a. unicorn in the student loan jungle. I.

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you're done fantasizing about robbing a. bank, don't do that, by the way. Check. out Yrefi. They're here to help you. actually crush these loans without. selling your kidneys on the black. market. Head to yfy.com/hammer. That is yrefi.com/hammer. Or call 89733978. That is 89733978. And see how a real personal approach can. help you escape the private loan. nightmare. Because let's be honest, living with crippling debt until you're. 90 is not the retirement plan you. dreamed of. >> Yeah. I mean, I'll give you a plan. I'll.

put you through all of our classes, debt. class, budget class, all the good stuff. Man, once I found out about everything, I started organizing on our dayto-day. what we're studying. >> Say that. And did he want to listen to. it? >> Yeah. >> At the beginning, no. >> Well, he tell [laughter] me about her. I. need to know the dynamic. Tell me. >> Okay. So, she she and I I will give. credit where credit. >> Why do you think he wasn't listening to. you? >> Because once we budget, I'll tell him, "Okay, we have this by the end of the. weekend so we could buy groceries.". Like, we only have like $100 left over.

for groceries. And then he'll go and. then suddenly there's a purchase of like. a taco truck and like buying food at. lunch. I meal prep for a reason and you. won't go buy other food. Oh my god. Or. and I'm like. >> no I don't care. Do not go out to eat. What's the point of me making the food. if you're going to go out and eat? >> But it doesn't work if you sit there and. just tell someone what to do instead of. actually sitting down coming up with a. plan together and being on the same.

page. It doesn't work if you kind of. create your own plan for the house. owner. You're like, "This is what you. do.". >> Exactly. >> Does that work? >> No. But this is the thing. Okay. So, I. put in because he already did his thing. on his side. He tried to take over. It. didn't work. So, might as well me try to. take over and try to organize our. finances. >> No, no, no. Maybe the takeover is what. doesn't work. He tried to take over. You. tried to take over. How about you guys. sit down, do it together? >> Because these ideas won't work. >> Well, okay. I think if we put our heads. together, we can come up with a plan.

And lately, we. >> seems to disagree. >> We have our income. We have it kind of. lined out who's making what when. And. the only one that's kind of like iffy is. the second job for me. Cuz if it depends. how many classes I'm teaching, right? Um. I can get more, I can get less. Last. week I got, you know, over 900. This. week I got 200. So it it varies. >> It averages out. It about 10,000 a month. net. Yeah. >> Which is awesome. >> With that we have like our bills. But. the thing is the bills that we do have, they take a huge punk. So, at the end of. it, we're left with like a hundred.

bucks. No, that's great. That's what we. really like. >> No, I want to know the dynamic around. the conversation around budgeting right. now when we're talking about what we're. doing at the house with finances. What. does it look like. >> right now? This moment is we follow a. planner board that we have and the the. discussions around that is are you. sticking to the board? So, >> it's holding each other. >> Yeah. Holding each other accountable. >> Me holding him mostly. >> Really? >> Yes. >> Tell me. because I'm like, "Hey, you. have this payment, this payment, this. payment, this payment to make. My check.

is going to be saved up to try to make. the car payment or to try to make the. mortgage payment." Cuz I only get like. about two checks every month, you know? So then he gets them weekly. So I'm. like, "Hey, you got a firm, you got your. credit cards, you got this, you got that. light bill, and all that stuff.". >> And how do those conversations go when. you're sitting there telling him all. this? >> He has to do them. >> She just But how do they go? How do the. conversations go? >> Well, >> okay. I'm like, "All right.". >> Okay. He [laughter] just said, "Okay.". >> She'll tell me like, "Hey, did you pay. that?" And I'm like, "Yeah, I paid it. according to the board.". >> Like last week,

>> he had made other payments. So, I I have. access. We have a joint account, so I. have access to see what he buys or. purchases or pays. And then I see extra. affirm payments. And I'm like, "Hey, we. only had a total of like a four pay four. affirm payments that you had to make. this week. Why is there extra? It's like. throwing off the calculation that I had. for the week." And then he's like, "Well, I was backed up. I needed to. catch up. I was like, why didn't you. tell me this in the beginning? Like, you're bringing up new things every week. and it just [ __ ] up the whole. calculation that I have.

>> It was on autopay, but it was on autopay. to a separate account that I have that's. like personal. So, it didn't draft. So, then it it's it basically said like. you're late. So, I needed to pay it to. catch up to get back in good standing. Well, I know that recently uh provided. by your work, you went to a financial. adviser and your quote to Colton from. that conversation with the financial. adviser, a sassy black adviser looked at. me and said, "Honey, you just need to file bankruptcy.".

[clears throat]. >> Well, it was virtual, right? So, like. like essentially wag. assessment. I mean, I'm sure she didn't. tell you to change your behavior first. Usually, financial advisors honestly. aren't usually the best budgeters. Usually they're good for investing in. >> this is kind of how that conversation. went down. She's like, "All right, explain to me your finances. Break it. all down. I don't need to see nothing. Just kind of tell me." Cuz it was a. quick like I think it was like an. hourong call. Um and so I started. explaining it to her and you know we're. virtual, whatever. And then every time. I'd bring up something, tell her my.

payments and like at that time she. wasn't working. So when like every time. I say something, she was just like. [cough]. [clears throat] and then um her whole. thing was like honestly. you just need to file bankruptcy. She's. like I don't see anything. >> I see maybe that that might be the case. >> She's like and I was like okay well is. that going to help with the uh like kind. of everything cuz I was like my thing is. it's not just getting out of changing. habits, right? >> Well habits because if you do bankruptcy. without changing the habits first you're.

going to be in the same amount of debt. and if not worse again. My whole thing. was we need to learn how to change. habits, which I think we've improved on. But also, >> we'll see about that, >> right? I mean, come on. >> Aside from that though, >> people improve before coming on the. show. It's like for a week or two cuz. they know they're coming on the show. like it wasn't like that. >> Aside from that though, it was just we. didn't want to up our credit either. So, like it's already up your credit, >> but it will up. better credit. You already have the. house. Are we trying to sell and move? >> Yeah. >> Yeah. Well, then why did you buy this.

house, Dick? To build equity. >> She didn't want to to build equity. You. can build equity in any house that you. buy potentially. >> But you have to buy the house to build. it, don't you? >> So, we bought one. >> Yes. But that but you could pro you. probably would have made more money. >> You probably would have made more money. putting the extra money that went. towards a house down payment and whatnot. in the overall market. the valuation. market outperformed housing market came. back and we we're already like. >> yes but you have money investing the. rest in the overall market.

>> you would have and then you would have. had more money to put down and have a. chunkier equity position on a house that. you guys actually wanted instead of. rushing into a house cuz uh-oh I knocked. her up. >> We we did want the house. Um the house. was we went to go look at it. She was. like yeah I love this house. Okay. So, this we were already in it. So, I was. like, "Might as well." I mean, exactly. >> Because at the beginning, we were. >> Well, that's different than I love this. house. >> Hey, I mean, >> I didn't say I love this house. I said I. mean, yeah, why not? I mean, >> it's better than renting.

>> No, because you always see it. You see a. whole different perspective of me. I did. not say I love it. I said, "Okay, I. mean, we might as well then." Like, he. kind of convinced me into it. He was. like, "No, we got to get our foot in it. And I was like, >> I was like, "This isn't going to be our. forever home." I was like, "I'd rather. pay towards a house that we can later. sell.". >> I wouldn't necessarily buy into a home. that we can't at least consider a. forever home. Is it likely to be when we. buy our first home? No. But if it's not. even in the consideration, if that's if.

we're immediately going in like, "This. isn't our forever home. Yeah, let's buy. it." What? No. That's bad. Cuz you never. know what the market's going to do. >> Well, that's the thing. So, we're like, "All right, we're going to get it like a. cheap starter house." I was like, "We're. going to, you know, fix it up a little. nicer.". >> Starter house. How much? >> We got it for 221. >> Okay. >> Or like 225, but with the down and all. that, you know, it went down to like. 221. So, right now we're like at 217. >> Mhm. >> So, that's that's like total. >> Yeah. But we'll see what it's actually. worth once we get to it. That's later. on. >> Okay. I'm going to go 3 2 1 and then.

point. When I point, I want you guys at. the exact same time to give me what you. think your household financial score is. 0 to 10. Zero being the absolute worst, 10 being the absolute best. Three, two, one, two, one. >> Okay. If you watch your Hammer financial. score, take the assessment for free. It. just takes a few minutes at. calehammer.com. You'll see where you're. doing poorly, where you're doing well, what you need to do to improve your. situation, and get to the next level. Take it for free. Caleb.com. And if you. don't want to be like a guest who ends.

up on the show, make sure you download. the down the wise budgeting app. That's. exactly what they haveed. New features. being added monthly. We There's an. incredible team working on it. It's it's. it's like it's incredible and it changes. tens of thousands of people's lives. Dollarwise.app. Sign up for the free. trial. See if you like it. And if you. do, you can also take the annual version. to save a lot of money. And when you do, I will personally sign my budget. friendly cookbook and mail it directly. to your door. Dollarwise.app. All the. links are in the description below.

Let's get into these numbers, shall we? So, Home Depot, that's racist. What's. going [laughter] on? All right. >> What's going on with this? >> When we first got the house, like we. needed to do a couple improvements to. it, right? So, the main thing was um. >> the home needed to Why are we buying a. house that's supposed to be the cheap. house that then you need to put money. into? >> Well, you needed to get a washer, dryer, fridge. You need that. So, it was. utilities, right? Or appliances, right? Appliances. That was.

>> appliances are different at the. beginning. Okay. >> Okay. But then it got into Hey, >> it's over the limit, you dick. [laughter] Yeah. >> Dick by hundreds of dollars. >> It It slippery slope, right? It. >> slippery slope [laughter] to get over. the limits. >> What are you talking about? >> Every time you go into Home Depot, >> they got the. >> Yeah, I know. I know you're excited. >> Yeah, you're like in the erection. >> I know. >> I know. It gets me off. >> But I'm sure you're in it more than you.

are in her. [laughter]. I haven't gone recently. It's over the. limit. But [laughter]. >> Oh, that and they're pulling up with. vans, so I' i'd stay away. >> Yeah, pretty [laughter] much. So, freaking uh what happened with that was. it started out with getting the. appliances. All right. And then as we. were going like every month or every. week after that, be like, "We also need. this. We need to get filters. We need to. get this. We need to get paint. We need. to get. >> You need You didn't need paint. you. need.

>> Well, they had it was just we needed. paint for the uh like touch-ups and. garage like stuff cuz they didn't paint. the. >> garage. >> They didn't paint it. >> Why do we care about the garage? >> That's what I said. That's what she. said. So, okay. She's always saying no. to all this you're trying to do yet you. just do. >> pretty much. >> Why do you always just do? Because it's needed. [laughter] Like we. paint in a garage is not needed. >> Okay, look. is needed because they did give it to us. without no grass. We the side of the.

house does flood. So we ended up. building. Pause. So who gives off if. there's no grass in the backyard? >> I need to take out. Huh? >> I want to take out my daughter to play. >> Can't have her. >> She was She wasn't even born when you. bought the house yet. >> No, she wanted She was She was. >> Wait, I thought you wanted to get a. house once she got pregnant and you. wanted to upgrade. You asked for it and. I'm delivering a way to connect the dots. to see how the stuff we talk about. applies to you, your money, your debt,

and your goals. The wait is over because Master Your. Money, my all-in-one personal finance. platform, is finally live. Inside, you'll get access to all of my courses, budgeting templates, calculators, a. community of like-minded budgeters, exclusive content, weekly tips, and free. access to the dollar wise premium. budgeting app. Learn everything from. budgeting to investing. Tune in weekly. for behind the budget, a masteroney.

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version, one month of Hammer Elite 3.0. Oh, for free, plus a free budget. friendly cookbook that you can download. This insane offer ends after Black. Friday. So, if you want to master your. money, click below and get started. today. >> No. >> So, we lived in the apartment with her. for a few months. >> And then when she turned. >> Hey, how many rooms are this in in this. apartment? >> The apartment was. >> two. >> two bed. >> I mean, at that time, we had lots of. animals. So when a bunny had its own.

room at that point. >> Well, no. When we have a kid, >> but what way before that? >> I'm not saying get rid of the bunny. It. doesn't need its own room when you have. a kid. >> We did. >> No, no, we got rid of the bunny is what I'm. saying. But. >> Oh, well, there you go. >> Just go to a park. >> Well, the thing was we're like, "All. right, we need to Well, at that time it. was like. >> it was just me and. >> wanted to make sure. Usually apartment. complexes, by the way, have common areas.

with like Yeah, they're freaking bad. They're horrible. >> Well, you're right. I wanted Well, your. place didn't sound great. I wanted you. to move to a better apartment complex. >> There's no playgrounds in the apartment. >> Well, I said a better apartment complex. instead of buying a house, but you. didn't need to get grass. The flooding. thing. I agree. Yes, we deal with that. The grass was not 100% necessary out of. the gate. It just wasn't. >> Okay. It was an aesthetic thing. We. wanted to have [ __ ] grass back, but. you couldn't afford your bills. [ __ ]. you. She was out of work. [ __ ] you. >> So, what are we doing? >> She had gone back to work. But so,

[laughter]. >> I don't know why we're struggling cuz. you put this over. >> on the side. So, like on the side, it. would kind of flood a bit and we had. mentioned it to the builder, right? So, they were like, "Hey, man. Sorry. We. kind of sloped it the way it could, whatever." They couldn't help us. basically in the warranty. >> Well, then you had a bad realtor. >> Yeah. It was pretty Yeah. >> Yeah. Oh, we didn't have point. [clears throat] is I was like, "All. right, >> I'm going to make I'm like a DIY a. French drain." So, then I went to go buy. all the [ __ ] that I need here. >> Yeah. [laughter]. >> So, >> that's that's why we're like that's what.

that is, dude. The uh French drain, all. the materials, the rocks, the pipe, the. >> What? >> On the home. >> You ever maxed out a card? >> I didn't. It was the interest that kind. of. >> if you make minimum fee payments on time. with the interest rate require like it. will not go over the limit. It will not. if you make minimum payments on time. even if you're at the limit it will not. go over. >> the the problem with that was and I'll. be honest so like I'd make a payment but.

then I'd go and spend more than the. payment you know. >> there it is you dick. Why would you do. that when you have a wife and child? cuz. I wasn't paying attention to what the. limit was. But like the way I felt. [laughter] No, obviously you kind of. were cuz you waited for room to spend on. there and then you weren't spending it. on auto. So that's a lie. >> It was on autopay. >> But you waited for the payment to hit. and then you knew you could just spend. So you knew it was maxed out or else you. would be spending before the payment. hit. So you knew it was there. Don't. bull. >> Don't [ __ ] me.

>> We needed certain things. Listen, I'm. okay with the flooding thing and you had. a bad realtor, bad contract, but even. still, obviously, once you had the. ability to spend on the cards, you did. And that is why it's been pushed over. >> Yeah, >> you have a wife and child at home. I. don't care about your Home Depot. addiction. But the [laughter]. >> my thing was there was dude, we got we. had the what do they call that? The four. pillars or whatever. Food, shelter, uh. all that all that taken care of. So, I. was like, "All right, look, we're gonna. do this to add a little bit of comfort.

to our house." So, in my mind, it was. kind of necessary cuz I wanted, you. know, my daughter to be able to go. outside and play in the grass and, you. know, have something and we can budget. that in. We don't have to do everything. at once and over max out a credit card. I'm not against it. >> The method is bad. >> Yes, that's what I'm saying. You're not. hearing that. >> That's literally what I am arguing. about. You're over the limit, dude. >> We still have no grass, though. [laughter]. >> You have deferred interest coming up in. not long. >> It's all the crap grass. Listen, the.

limit is 2,200, but you have a balance. of $2,733.58. with a minimum monthly payment of $81. I. mean, fees being hit. >> I think the other thing with that. >> Here it is, dick. Here it is. Here it. is. You little dude. This is what it is. This is actually what is going on. Here. you go. working. >> Seven of the nine months at the time of. this statement, all the payments bounced because you. didn't have enough money in your. checking account and you got fees on it.

and that is why it's been pushed over. >> Is that what happened? >> You don't know what happened. >> I DIDN'T KNOW THAT THAT WHY DON'T you. you took over the finances. You said. >> recently. I'm not going to look. >> recently. You're not looking at a. statement. How do you take over the. finances in the know this? This is. insane. It was okay. In my mind. auto pay in MY MIND AND YOU DIDN'T HAVE. ENOUGH MONEY SO IT BOUNCED AND YOU'VE. accumulated $219 of fees. >> I didn't know that. >> fees. HOW? IT'S IN THE STATEMENT.

>> You guys said you're looking [laughter]. at your [ __ ] now. I'm doing so much. better recently. HOW? WHAT ARE YOU. TALKING ABOUT? >> THAT was before. >> No, this is No, this is this year. You. would know this walking into this room. >> I didn't look at the statements. I. didn't pay attention. >> How are you doing this without looking. at your documents? You're not doing this. correctly. >> You log in. All I would do is log into. the app, look at it, and say, "Okay, it's enrolled in auto pay. Let me make a. payment now." Boom. And then it go. through. >> But if you don't have enough money in. YOUR CHECKING ACCOUNT, AUTOPAY DOES NOT.

WORK. >> THAT'S the thing. It did. So like it did. have money, but by the time I guess this. year it has. >> I guess by the time that the payment. like drafted it other [ __ ] payments. had gone through. >> Two times IT'S WORKED. TWO TIMES IT'S. WORKED. IT'S WORKED 20% of the time. >> It has failed 80. [laughter]. >> Well, all right. So, in because. around in the checking account. Oh, there's [ __ ] spending. >> There is [ __ ]. >> spending only about 20% of your spending. was the bull and you don't have enough.

money in your checking account to make. your minimum payments. What the is wrong. with you guys? Come on. You took over. the finances. Why is that possibly. possibly something that's happened? >> Okay, look. I did not look into the. statements. I only asked him, "Hey, what. payments do you have coming up?" So you. haven't taken over the finances. You. just wanted to know what payments are. happening. What's the point of taking. over some if not knowing what is going. on as a whole? >> Well, I don't know what goes on with his. own cards. I only know. >> his own cards. But you guys, you've. combined all this, isn't it? If we're. paying for his own cards from our joint. checking account, which I'm assuming, what don't we want to know? You're.

trusting the guy that lied about. finances [laughter] for years. >> About No, no. I'm trusting his words on. Okay, this is the monthly payments. I'm. >> He hasn't obliterated that trust. >> That's it. >> How has he not obliterated this. financial trust? I mean, he has now more. for sure, >> but well, he didn't even know this. Like, I don't even know how. >> $1,000 of interest this year. Hundreds. of dollars of fees IN ONE CARD. ONE. CARD. >> Open it by hundreds of dollars. >> Deferred interest going to hit in just. the coming months.

>> Well, all right. Look. So, whenever we'd. make the payment, >> I'm sure this kind of lines up with. other payments. So, whenever I'd. autopay, it would take a couple days to. draft. By the time that payment drafts, I guess the money wouldn't be there. because another payment hit. >> Dude, 80 bucks, >> dude. No. Well, I auto paid it for 125. >> No. Why? Put it What? >> So, I'd auto pay it for at least like. 100 or make sense. Why not just. >> try to pay a little bit more? >> But you're paying literally two.

times this year. >> I know. It was a bad plan. >> But [laughter] But we can improve it. now. Now that we know. I didn't know. I. honestly didn't know. Maybe that was part of the problem. I. would say that's a big part is you guys. don't know anything. Especially now that. you've taken over, you don't know what. you haven't taken over. >> Look, I had you got us a little bit. caught up this time. A little bit caught. up. >> A little bit caught up. What are you. talking about? We literally just had a.

late No, we literally just had a late. payment. This statement like I don't. want to hear. This is the most recent. statement. >> This statement. I'm not going to deal. with that. That's. >> why. Well, you guys are together. >> Yeah, we're together, but. >> it's been paid. >> At the beginning, it was just you and. now we're trying. >> You don't know that. You don't know. that. You probably had a draft. attempted. You don't know if it went. through. You do not cuz you didn't even. know it's missed 80% of this year. >> Yeah, I didn't know that. Don't you. cannot tell me it's been fixed since. You can't. >> It's at a 30% interest rate of death. Insanity. Why?

>> I know. It's pretty bad. And like just. >> so the when I first got it, the original. plan was we're going to get the. appliances and that was. >> guy. The guy with plans. Always having. plans. Nothing's ever worked. Go on. What was your plan? Grand plan. >> I never said it was a good plan. I just. said it was. >> You never had a good plan in your life. >> All right. So it was zero interest for. for you know the one year whatever the. promotion is. Uh so that's what we did. We got the appliances and I was like all. right we're good. We're not going to buy. anything else on it. But then kept. coming up. So.

>> it kept coming up. You spent 20% on. bull. >> Yeah, pretty much. >> Kept coming up. What are you talking. about? [ __ ] kept coming. >> Kept coming up like we needed to do the. French drain. We needed we had to do. grass. >> We would have whole house would have. burned down without the grass in the. back. >> Yeah, we had pests, dude. We like we. tried to DIY like the pest control and. all kinds of just knock it out of the. gate. >> We did have to pay for. >> Yeah, we had to pay for we had to pay. like 3k for what do they call that? exclusion for like rats and like to. prevent anything from getting inside.

>> I could obviously I would encourage. that, but I would also encourage making. your payments on time. >> and having enough money in your checking. account. >> We had enough money at the time, >> but it it wouldn't by the time the. payment hit. at the time, dude. That is the time you. would need to have the money. What are. you talking about? >> Yeah. Making no sense. >> Okay. When the when I clicked authorized. pay, there was money in the account. I. guess by the time it drafted, there was.

>> This is my conversation every time with. him. He's trying to justify what he did. >> Yeah, he is. You really are. Why are you. an endless? >> You're not. Now you're going to try to. justify how you're not justifying. What. are you talking about? What are you This. is [laughter]. How can she have a conversation with. you? How can you guys have conversations. at all? >> You see, this is the supposedly. conversation we have. >> Tell you what, I'll ask my therapist. [laughter]. Uh-huh. >> Okay. >> Well, how have those been going? >> Uh, crazy. >> Pretty good. >> We like couples therapy. Oh, crazy. I.

don't know if I like crazy. How's it. crazy? >> Yeah, because we let everything out and. we both start going at it. And. >> a couple's therapist is supposed to. >> hopefully. >> I mean, she does listen, of course. >> Not just listen, step in and make sure. the conversation is what I mean crazy is. between me and him. Like, we both are. >> going at it and then Yeah. What are you. guys not holding back on these days? >> What's going on right now? >> Uh just I would say it's it's tast.

because uh she broke her. >> the Friday before that. >> Before that? >> Yeah. Come on. What was the last big. blowup? >> Last big blowup was over. what? Chiply donuts. [laughter]. >> Yeah. >> Yeah. So basically, we have this thing. at work where if you get to work late, you have to buy breakfast for the team. I had gone late a couple times already. And so I was like, "All right, [ __ ] I. know we don't got it. Let me just buy. some donuts real quick." I bought like.

20 bucks worth of. >> 26. >> 26 worth of breakfast and took it for. the team. >> and I was like, >> and it was a bad call, but I was like, "All right, look, I just kind of I'mma. get a check on Friday for my other. >> I am. I worked a lot of hours." I'm like. that money is going to go to pay care so. we might. >> it's hard but that was the big. >> it's hard obviously I don't want you to. spend it and the excuse you use is. horrible about getting paid but I also. have a hard time like if that is their. kind of. >> culture that's been agreed upon at work.

I mean I'm not horribly opposed to him. doing that in a one time way what I'm. way. >> what I'm opposed to is if you know that. is the thing and you're in the worst. position out of almost anyone there. >> don't be Late, dick. I dude work crazy. hours up, dude. Like, I kicked. >> So, I go in to work at like. >> Yeah, but you were the one who was late. That means all the people that working. crazy hours got there before you. >> No, actually, they get there after me. I. was supposed to be the first one. So, I. get there. >> You're the safety guy. Get there. You're. the manager. Come on. >> Yeah, but it's Dude, when you're working.

every day like two cuz I work I go in at. 3:00 a.m. and I have to be I have to. leave my house a lot. >> That's annoying. But if that's what you. agreed upon, then do it. >> Yeah, I know. But, dude, it gets hard. after a while. Oh, it wears on you. >> It does, but you have to do it. I mean, I get here late. I mean, I I guess I. don't really have like a time I have to. get here. >> every now and then. It's It's not that. it's fine. I don't try. >> One, I could afford buying breakfast for. everyone, too. Also, it doesn't matter. cuz I don't really have anything to do. before filming. So, >> no, we got a lot of to do. >> Exactly. We got to go.

>> That's what I'm saying, dude. It gets. hard. It wears on you. So, >> this a firm. >> Hi, listen here. Financial audit. I've. curated the exact resources and tools I. personally use or would use if I was in. certain situations. So, take advantage. of these offers in the resources section. in the description below. The first one, I've moved my investments to Weeble. Do. the same and transfer to my investing. app of choice and you get cash bonuses. of $200 all the way up to $30,000. depending on initial funding amount and.

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resume with a course career. certification. Five, if T-Mobile is good. in your area, switch to Helium. Get a. literal Z a month phone plan for the. same exact service. But most. importantly, go get your free Hammer. financial score and see where you stand. in the world of finances. Take the. assessment at caleophammer.com. You will. not regret any of these. Change your. life today. >> Yeah. Oh, dude. Two times overdue. Why the possible? Why? >> I thought it was on autopay. [laughter].

>> Oh, so here. Okay, then. So, I. understand why you wanted to step in, but your stepping in has failed. >> Okay. It everything is supposed to be on. autopay. So, in my mind, as long as. there's money, >> you understand that if you DO NOT HAVE. ENOUGH MONEY IN YOUR CHECKING ACCOUNT, AUTOPAY DOESN'T MATTER. >> There is enough money every week, but. then it gets it gets taken over by other. bills if they hit before. >> This is a bill. So, this is why I told. you check on what you have on autopay. and which ones do you not have in. autopay. >> and like either take them off and try to.

make the payments how we have them to. make them scheduled we have on the week. >> I think it's more of a timing issue. >> Oh my god. >> What is the management philosophy here. around our payments? Cuz we have two. accounts in a row that are completely in. terms of making payments. >> What What is the philosophy we're using? The strategy we're using? >> The communication we're doing cuz you. said there's a magical little board and. you're following the board and. everything's good. Except it's not. Once. we got into the numbers. >> the board is recent. So before it was. just like all right every week literally. just now like this is now.

>> So basically the board. >> when we get paid we pay everything. that's due that week. That's kind of. like. >> you're budgeting weekly. >> Yes. >> Guys that's not an accurate budgeting. process. >> I mean it's temporary and that's why we. apply. >> No it's not temporary. It's going to be. forever cuz you're budgeting. incorrectly. >> We switched to budgeting monthly now. That's good. >> So that's what she does. She learns. >> start. >> I do the whole month. >> She'll do the whole month. And so we. plan out, okay, next week we got to pay. this, we got to pay that.

>> And then we have this leftover is going. to roll over to the next week. We can. pay this this couple months. It's been a. cluster is overdue. Ulta's overdue. >> Wouldn't be surprised if Costco and. Amazon, the other Amazon ended up being. overdue. So on a firm, which by the way, this is one of the crazier firm balances. we've ever had cuz usually it doesn't. let you get up this high. $3,22.35. That's crazy. kind of firm. >> Well, what are we doing? >> I had a lot of good good purchases with. those guys. It was recently that, you. know, everything kind of went, but for.

the most part, we've been pretty good. about staying on top of it. And we use. it for like that's actually necessary. Like, it's not like we're buying a bunch. of [ __ ]. >> What are you talking about? >> That was her hair. >> Exactly. >> That's not necessary. >> It wasn't necessary, but I wanted to do. something nice. >> I would too. I like that you did. Except. you did it in your and cuz you couldn't. afford it. So obviously you shouldn't. have done it. And then you got a secret. skele telescope after watching it in a. cellar. >> It was a good movie. So I was.

>> It is a good movie. I like it. >> Okay. I don't know why. >> the problem. All right. The problem with. that was I was we were super inspired. after watching it. We're like. >> inspired. [laughter] You're saying we. >> I was like. made you emotional. You. >> cried. But it was uh we were inspired. We watched it together. >> You're quite a few years behind on that. one. I'll be honest. >> I know. I know. But it still holds up, you know. >> Yeah. Soundtrack's great. I get it. You. get excited. So, you buy a telescope. >> It's cuz the problem is I have a bad.

habit of getting into different hobbies. You know how they're like, "Oh, you're. going to be a. >> telescope is your hobby.". >> No. Well, I thought it could be right. I. was like, "Man, I'm going to get into. >> that." Doesn't get you to a black hole. That's what I. [laughter]. >> I just remember it arriving and me. opening the box and seeing a telescope. and I was like, "What the is this?". >> What' you do? >> I called I was like, "What? What is. this? I got a telescope and I was like, "We don't need it.

>> Why would you get this? We owe stuff. You know, we have payments to do. Why. the hell are you going to get an Amazon? I mean, a telescope." And then he was. like, "Oh, I mean, I got it with a firm. I got. >> another uh firm. I already knew this was. necessities on here. >> Well, >> and how many times have you used this. telescope? >> I used it. Well, we already got rid of. it. [laughter]. >> Huh? How? >> We got garage sale. How much did you get. for it? So, we bought So, that's the. thing. So, telescopes after we watched. the movie, I was like like as I'm.

sitting next to her, I'm on a firm and. I'm like, "No, not a firm. I'm on Amazon. and I'm like, "All right." I was like, "Maybe we should get like a telescope.". Cuz not only that, I was like, "Tell me. why. Don't act like you send me." I was. like, In my mind, I was saying, "Hey, what if I get a uh telescope so we can. actually like go outside?" Cuz you know. where we live, it's a little on the. outskirts. You don't have the light. pollution. You can actually see stars. And I was like, "It'd be nice to get. into it so that later whenever our. daughter's old enough, I can show her. like, "Hey, look, that'sing, you know, whatever." And so, dude, the moon.

[laughter]. Well, aside from the moon, right? Um I. was like, it'd be a cool little hobby, a. little science hobby to get into. Uh. let's try it, right? So, I was like, I. want to see Saturn at least, right? Cuz. that's what the whole uh promotion was. for that uh that telescope. So, whenever. I uh I started there, apparently there's. like a range, right? So, there's like. the cheap [ __ ] ones that are like 50. bucks and then there's like the really. high-end ones. I was like, let me go. with one that's like a little lower to. mid tier. So, the one that I got was.

worth like 200. and I used it maybe once. It sat in our. garage. It started with my eyes because. I wear glasses. But um how much did you. sell it for? >> 100 bucks. >> So really [laughter] the only thing I. saw was how quickly 200 could turn into. 100. >> Now as far as I know, she made you sell. it. You didn't even choose to sell it. She made it there for a while. So I was. like, "All right." But I mean on the. bright side, it was one of my least. expensive hobbies cuz before I'd gotten.

into other like I got into the So we had. a bunch of no reason. F A S A F WT. >> safety baby. Um so with that I got a. >> you affirmed like a license. >> No dude for. >> I think your minimum payment somewhere. like 200 bucks a month on a firm. currently. >> Probably it's a little bit more than. that. >> Pull up your Amazon. Someone pull up. their Amazon. >> He has. >> and start a screen recording. >> So with the uh Well, yeah, Amazon's a. little [sighs]. >> [clears throat]. >> uh. >> that. [laughter].

Okay. >> Take a little peek at that. Don't expose. everything in there, please. >> Okay. Oh, you got your You're the safety. guy and you got your safety test on a. firm and then you failed it, so you have. to do it again. >> Well, look, it was a hard test. Not. everybody caning pass it. It's the It's. the top of the top. >> Once I get that, it opens up a lot of. doors. Yes. >> Hey, bro. You'd be surprised, man. >> Okay, we got an alarm clock cuz phones. definitely don't do that. >> It has to BE FOR THE 2021 MacBook Pro.

>> Okay, that was for my mom. I didn't pay. for that. >> Phantom Academy [ __ ] Oh, cowboy. boots. Rubber boots. >> They're work boots. >> Running shoes. [laughter]. >> I didn't need running shoes. >> Nip helmet bull. >> You need it for work. It's all. >> rubber shin guards. >> That's. >> the alarm clock just got. >> very ethnically correct. The why? Why? [screaming]. >> I'm a heavy sleeper. The phone alarms. don't work. I had to get across the. room. You dick.

>> It don't work. It wakes them up. It. won't wake me up. >> It wakes me and my baby up. >> They slap them. >> I do. [laughter]. >> I kick them. I literally kick them on my. feet. I slap them. >> I basically die at night and in the. morning I'll try to wake up. That's. essentially what happens. >> The firm just keeps going. This is. insanity. You're paying forever. Roman. Ranch, La Raza, Western where Walmart. BCSP. [laughter]. >> Those are P. BCSP was my test. >> Yeah, those ones were previous. So this.

is crazy. Yeah. The test you failed. >> Yeah. >> Okay. >> By one question. >> Diamond store. >> Yeah. >> What is this diamond store? >> So my daughter needed earrings. >> Needed. Well, she needings. >> I mean she needed what are you talking. about? >> She needed real gold. >> They needed she needed them for the. holes to not close the little holes. >> But she needed she needed it to be real. gold because otherwise she'll have an. allergic reaction. >> Like it'll create like a bump in a gold. Nothing else exists except for gold out. there. >> Nothing. And gold's expensive right now.

>> It Well, yeah. >> I mean, it wasn't. >> And And we ended up getting a necklace, right? Or a bracelet or something. >> I forgot. Why? Why? >> Because I've never had one like that. So, >> you couldn't afford anything. You're. also not even wearing it. >> I mean, we did have a credit card at. that time. He he said, "Oh, we're going. to pay it off.". >> Minimum payment takes 9 years to pay. this off. >> Yeah. But, I mean, it's. >> minimum payment only. And it's literally. only at $651.62 62 cents and minimum. payment takes 9 years to pay off.

Minimum payment 30 bucks. So we do. >> before. We'll pay more when we can. So. we'll pay more when we can. Ken never. comes though. >> Yeah. >> When never comes. 14 years for the Home. Depot card. 14. Your child will be uh 16. years old. Passing that kinera. [laughter]. >> Mhm. >> Well, okay. But that my idea was. >> that was racist. >> The plan was we're.

>> Oh, tell me you're not doing a kiniera. >> No. >> What? >> No, I'm just kidding. >> I can't go outside in Austin without. seeing five being done. >> Really, dude? >> Yes. Go to any park and everyone's in. dresses [ __ ] people here. >> I can't sing era or maybe going. somewhere and that's it. >> She's smart. She's voice. >> Yeah. >> Mhm. >> Promotional plans ending soon. Yeah. So, look, the idea was we're going to get it. and we're going to pay it off uh paying. more than the minimum. >> What? We're going to pay IT OFF.

>> OH, IT ENDED. It ended at the time of. filming. [screaming]. >> You just had $500 in deferred interest. hit. That means this has gone up [laughter]. >> to about. >> oh a,000. >> I did. >> I think the time. >> $1,151. Minimum payment now is probably like 60. What have we done? You didn't even know. this, did you? >> I didn't even know it. >> This ended two days ago. You This ended.

2 days ago. 2 days ago from filming. Two. days ago from filming. Yeah. You made a. minimum from filming. The deferred. interest all hit though. Why does she need her ear pierced? >> Because it's cute. >> Well, we got to ask. >> It's not a need. You know what a need. is. You have a child. You need to learn. the difference between a need or a want. You are not the child. You have one. >> to take [clears throat] care of. >> She She got her piercing when she was. like what? >> Six months. Six months. Six months.

Something like that, right? >> Nine months. Nine months. >> All right. Yeah. She got her ears. pierced at like 9 months. And so, what? But okay, great. She got her ears. pierced in 9 months. And it's super. exciting. I don't care. she can get her. ears pierced again, right? I mean, what. what are we doing here? This is. absolutely crazy. >> I'd rather pay so that she doesn't go. through that pain again. That was the kind of like a thought. process behind that. I was like, >> process is now you just had $500 of. deferred interest hit two days ago. >> Well, I didn't know about that, but. >> now you do. And you're This is insane.

And now interest is acrewing across the. board on this as well. >> So, the plan is to. >> Oh, here here he comes with a plan. [laughter] Let's hear the plan, please. plan guy. Tell me, tell me, Mr. Planner. >> All right, we're going to pay a little. bit more uh the [laughter] uh. >> with what money, buddy. You never have. enough money in your checking account to. make your minimum payments in the first. two accounts we looked at. What how does. this plan work? Can you please define. this plan for me and the strategy behind. it? >> Well, with the second job that I'm now. making more money in, >> you are making more money. More money. comes with more spending. You just spent.

you literally Hey, I'm going to let you. know you guys were already making a. killing compared to everyone else. before. >> Okay, so. >> that wasn't the issue. Your income's not. your issue at this point. It's really. not. >> But we also changed eating out as much. We also changed a couple habits not in. your statement. So, I don't believe. that. [laughter] Listen, I'll let you. use the Fizz card, debit card that. builds credit, cuz at least it only lets. you spend what's in your checking. account. And you obviously cannot manage. anything beyond that. It's as clear as. day. It's clear as day. >> I would say that I have a false sense of. confidence that it's going to get paid.

>> And if you know it's a false sense, stop. I know. >> Also, get whoever wants a course career. certification, whatever field you're in. So, you can also look to get a uh even. bigger increase raised whenever those. come. So, I'll get you one of those. >> Um, this is moronic. This is so stupid. So. stupid. You made progress going down. from $1,441. down to that $600 and now it's up to. $1,1605162.

cents because you allowed the deferred. interest to hit 2 days ago. >> What a joke. >> All while spending enough on bull. >> to have paid that off in a month. >> Well, the way I see it was. >> Oh, how do you see it? >> We [clears throat] did. We did. I didn't. get like I wasn't. aware of that. >> You can look at a statement, Dick. Yeah, but I wasn't aware of that and I don't. look at statements as much. >> Well, as much opening statements unless. you get a. >> you are the one trying to fix your. financial situation. The answer would be.

you. >> Well, yeah, but I didn't look at them. before. So, cuz I had in my mind before. literally you said you're getting so. much better before could have been a few. weeks ago and you would have known this. exact thing. >> I'll be the first one to tell you I. don't look at the statements. Did. >> I just sat down? We didn't even have a. conversation and I went through these. statements to get all the top pieces of. information. I I could do it in 10 minutes. Let's say. because I've done that a little more. commonly, a little more frequently. I. can do it quick. You could have done it. in 30. All of these statements, this is. not difficult to at least see, is there. referred interest? Are there late.

payments? What's the balance on here? Are we above the limit? Are we making. our minimum payments on time? >> All this. is so easy. So easy. This would have. taken you such limited time. >> But you don't know what you don't know. So, exactly. So, learn it. >> Well, I didn't know. How do I know what. to learn if I don't know to learn it? >> The statements. It's as easy as that. >> Look at it. >> No. Exactly. But that's when you would. have learned. You know, they exist. >> Learned it if I didn't look at it. >> I I don't understand your logic. Can Can. you translate for him? Cuz.

>> I could barely understand them. And this. is our arguments all the time cuz then I. have questions. >> How frequently? >> Almost every every other day. >> really every other day. >> Every other day. No, no, we still have. it every day. >> And are they productive? >> Yes. >> It depends. >> on. >> if we have the money or if he wants to. listen and.

>> if he wants to listen. >> Yeah. Cuz then he continues with like, "But this, but that, but this and this. and that." And I'm like, "Okay, I don't. want to hear. >> this conversation. >> I don't want to hear it." Okay. Shut up. Bye. >> Okay. Look, in in my defense Oh, here he. goes. [laughter and clears throat]. >> Okay. In my defense, we're we have a greater capacity to. start paying off now. So, it's not that. I'm saying, okay, let's continue our bad. habits. We realize, okay, we [ __ ] up, but at least you aren't them.

>> You just had to freest. You can't make a. progress towards a situation that you. don't even know the situation. No, but you can't make progress towards. the situation if you don't even know the. situation. You can't. That doesn't make. any sense. How can you tell me you're. going to make progress towards it if you. don't even know what's happening? >> That's why we're here. We don't know. what's happening. That's why. >> But you said that was your plan. >> Well, [laughter]. you did say that though. >> You did say that though. >> And [laughter] speaking of plans, late. fee immediately this month on Discover.

it. What's up with the Discovery card? Mhm. >> Honestly, I'd have to say the same. thing, dude, cuz I thought I made a. payment on that. That was It's on auto. >> Probably did. >> and didn't have enough money. >> Probably. >> You always, >> but in my mind, like I I set I set the. auto pay on or I'll pay it. I'll go into. the app, pay it. >> You're above the limit. You're above the. >> You have a child.

>> Slightly. How much am I above the limit? $16.13. It's horrible. You weren't above. it last month. You've gone above it. >> Yeah, but I didn't. >> $35 minimum monthly payment. $5163. uh balance. Yeah. Credit score is in the. 500s. That's insane. 19 months to pay. off if you make your minimum payments, which you don't. Uh late fee. Yep, there. it is. It's a late fee. It's a return. check fee specifically. >> So, it's the only one this year on this. card, surprisingly enough. And what is.

it for? Well, gas. That's okay. But you. did a grab a bite grill. Grab a bite. grill. McDonald's and grab a bite grill. And I wouldn't put gas on a card that. you can't pay off or even make a minimum. payment on anyway. I would put it on on. a debit card. >> Yeah. I mean, honestly, I don't even. know what the grabing grab a bike. >> I do not know. You're the one who. >> three times. It's $2.60, $210, $852. >> Those are different. >> Gas station. Yeah. No, actually I think.

it was whenever I pick up our daughter, I buy her like a apple juice on the way. to pick her up. I stop by the gas. station and buy her apple juice. >> Why don't you guys just pre-tock per. serving on a better basis apple juice at. home? >> I know. So we do, but then I forget to. take it cuz I'm rushing out at 2 in the. morning, you know? >> So like I don't Okay, I would say. >> you didn't just get apple juice though. You got yourself something and then you. got yourself something more. >> Yeah. Well, sometimes. >> What' you get? Didn't always. >> What do you get?

>> What do I get? Like drinks or what? >> Yeah, you stop at the gas station. You. get [ __ ] I'll get like a Dr. Pepper or. whatever. >> That makes no sense. I don't understand. this. You're You're drinking an energy. drink right now. Take this free sample. here. Taking up a free samples. Now, this this is gamer stuff specifically. These are energy drink powders. Just. like you should make your coffee at home. instead of going in Starbucks and. spending like $5 a coffee. Get that. Make that. It is 25 cents a serving. 25. cents a serving. almost endless flavors. Get yours 10% off. Link in the. description below. 25 cents a serving.

Make your energy drink at home. It. tastes better and it's more convenient. You just take it and you can have. unlimited amounts. Get your free samples. also by typing in code Caleb on the site. link in the description below and you. can see what flavors you like and then. at that point you can figure OUT WHICH. ONE TO GET. NO MORE BUYING COFFEE OUT. NO MORE buying energy drinks out. Make. it I do too. So I make good coffee. [clears throat]. I do too. So I make good coffee. All you do Good. Make coffee at home. Make your energy drink at home. It's.

better. It tastes good. And it's. cheaper. And it's affordable. Yes. >> Then you make coffee. >> No. No. No. I tried. I even look at Tik. Tok videos, YouTube videos. It tastes. water down. >> Cuz you can't do what? Coffee is not. difficult. >> No. But. >> No. No. She makes it skin. >> I like latte. >> I make a latte every morning. >> Okay. Then make me one and see if it. tastes good. >> Okay. >> Okay. Um, who's one of our latte makers. here in the office? Who's always making. a latte? >> I feel like Josh makes the best lattes.

>> Can Josh make her a latte? >> She She likes those like really bougie. lattes with a little powder top. >> Well, we I don't think we don't have ice. in the office, so you're going to have a. hot one and you're going to determine if. it's good. Okay, >> this is with a Breville. It's a. investment up front, yes, but it saves. you so much money over time. So, we'll. get Josh. He's also Mexican, so you guys. feel right at home. [laughter]. >> It's Mexican coffee automatically. >> Yes, >> dude. She So, we bought. >> every employee I have is Mexican these. days. I don't know what's happening.

>> Yeah. Taking over. Um, dude, we bought. her an espress an espresso machine so. she can make ESPRESSO. >> WHAT? [screaming] THAT'S EVERYTHING. You. just have to get good beans, you and you. got to dial it in. Oh, it's better. Oh, you were just awes. tastes so creamy and sweet. Oh my god. I. recommend it in Willis, Texas. >> What do you like flavor-wise? Either. hazelnut or vanilla. Pick one cuz that's. what we have here. >> Vanilla. >> Okay. Can we do vanilla, Lindsay?

>> You see, you failed. [laughter]. >> Well, you get what you need at home, you. tit. >> I know. She's picking with her coffee. She's. >> energy drinks at home. Coffee at home. I. don't want to [ __ ] hear it. >> Coffee out. >> Amber, stop. [laughter]. I can't afford to take care of my kid. >> It does add up. the coffee. It does not. talked about coffee out. The whole point. of getting the espresso machine so she. could make it at home, but she continues. to go to that coffee shop cuz okay, they.

make good coffee. I get it. But it's. cheaper to just do it at home. ingredients. She even has all the. syrups. >> Me and my girlfriend, one of our. favorite things to do is to go either. get brunch or coffee every Saturday and. Sunday. I can afford it. It's in my. budget. I get it. It's fun. It's nice. being in a new environment, trying a new. little drink. I get it. It's nice. You. can't afford it. You can barely keep the. roof over your head. You guys are late. on almost every payment and you're over. maxed out. No. No. You guys are together. or not. Choose. >> I'd say together. >> Not in the beginning. >> But are you today? We have caramel. Is.

that okay? >> You like caramel? Yes. >> Mexicans love caramel. You guys put. caramel in everything. Trace leches. All. caramel. It's just like, come on. You're. always putting caramel even though it's. still sweet milk. And I love it. I mean, don't get me wrong, it's actually like. my favorite dessert. Tle me up. >> I love it. And it makes me It's great. I. know. >> Quicksilver one. What's going on with. this? >> Which one? Mine. Okay. >> Yes, they're all yours. >> Okay, those are mine. >> So, those are like my everyday [ __ ]. cards. And. >> why are you allowed to have everyday.

[ __ ]. >> I know that's the that's the bad part. So, it was for food, gas, like that. Okay. Okay. Well, first of all, gas. isn't [ __ ] but I wouldn't be. putting it on a credit card that you. can't pay off that is acrewing interest. And you spend 80 bucks, 12 cents. Interest is acrewing. It's over the. limit. It's over the limit. You have to. three. He's three over the limit so far. Three by $4. It's. >> over the limit. You. >> But I made the payment to get it under.

the limit. >> Oh, no. You did at the start of the. month and then you went over by the end. again after interest hit. 18 months to. pay this off. >> Walking the line. No, it's stupid. You're getting Peacock. >> So, we cancelled that. >> Well, you should cuz what's the point of. Peacock? >> That's what I said. >> I know. >> He doesn't even watch it. It's just. >> I watch The Office. >> No, you don't. >> I did like three times and then I. canceled it. >> There you go. >> But it was. >> You went to the gas station, you got an. energy drink or a drink. There it is.

right there. [laughter] 237 25 CENTS AT. HOME, ladies and gentlemen. Link in the. description. This is insane. L Triricon. Row text. [snorts]. row triconent. 43 bucks. >> Oh yeah, it's a restaurant. >> Let me see. >> L3. >> Oh, L3. >> Prime Video. Now that's better. But even. still, you probably can't afford it. YouTube's free anyway. Then you went. into HB and got some [ __ ] cuz I. highly doubt that it's groceries. I'll. be completely honest. >> No, HB is uh like OUR GO-TO GROCERIES.

>> OH, Peacock is trash. As a former NBC. employee, I can say it. You can legally. say that. >> I mean, I work there. >> I don't work there. It's trash. I have. >> You didn't sign a contract? >> Well, that was the Quicksilver. You have. two Quicksilvers? >> No, no, no. It's a Quicksilver and then. a platinum, but they're both basically. the same. Not over the limit. You're at. the limit. $281.98. Minimum payment $25. Again, >> what's going on with this card? >> It's the same thing, dude. It's it's.

honestly you got to go back and forth. because whenever there's not enough. money in the debit account cuz we got. bills, whatever. That's like the backup. >> and then there's a backup to the backup. [laughter]. >> Well, that's what I told him when he. started opening. They used I'm like, "Why are you opening more? Why are you. more originally, hey, we need to get. some credit cards to build credit and. build that credit history." And then uh. we did good for a while and then it went. whenever we really got into. >> waterburger parking fiesta bar and.

catering something. Maybe it's a vending. machine or purchasing something at work. I don't know. >> Yeah, it's like a vending machine. >> and then Home Depot. Not even on the. Home Depot [laughter] card. You just. couldn't stay away. >> Guilty pleasure. >> It's like it's the golden arches to you. [laughter]. >> Want to know a dirty little secret? And. no, I'm not starting an only. You're not. broke because you suck with money. You. just can't see where it's going. If your. bank account is empty at the end of. every month, that is not bad luck. That. is [music] bad tracking. And it's.

exactly why I use Dollar. It shows you. exactly where [music] your money is. going every single month. Spending, subscriptions, and savings all in one. simple dashboard. Everything you need. and nothing you don't. And when you. download Dollar today, you'll get a try. for free, plus 3 months for just $9.99. so you can finally take control and see. what your money's been doing behind your. back. Click below to get started. Dude, they got a lot of uh good deals. But the. thing is, every time I go, >> things you don't need. >> Every time I go, it's for something we.

need like a air filter. We need to. replace this and that. We need to. replace We need salt for the water. softener system. Like [ __ ] like that. >> We need the soft water though. >> We do, bro. >> That bad. >> I'll accept that one. Listen, but even. still, you're just endlessly finding. excuses to spend money in Home Depot. And I love Home Depot. >> better than Lowe's, >> of course. And I love Home Depot. It. It's great. But again, I just budgeted. out. And I don't go there when I don't. need to, but every time I do, I'm like, "Oo, yay. This is you guys. This is your.

future.". >> Yeah. >> What do you think? How's your feeling? >> Lied to and just feel like we're in a. big hole right now that it's going to. take us years to get out of, which I. never wanted to end up in. So that's why. I kept asking you, hey, make sure we. make our payments. What are we owe? And. it was part of the communication. This. is the reason why we're also in therapy. is because of this. Everything just. went. >> Would you guys just blow up on on each. other in therapy?

>> Yeah. Well, she blows up on me and then. [laughter]. I'll like try to defend myself. That's. kind of how that usually goes. >> with the defending himself with the. payments and then my therapist is like, why do you defend yourself? >> How do you feel? that. >> well because it's a lot of like rage and. anger towards him not telling me. anything communication and also just. >> that it wasn't that I was intentionally. hiding anything from you. It was that I. didn't want her to have that additional. stress. I'd rather carry the burden.

myself try to figure it the outs. I. tried to figure it the [ __ ] out and do. what I could to keep things going and. essentially keep like you know what they. say like keep her uh like kind of. blindly happy, right? So it was bad. >> Well, look how it turned out. >> I know. Now. >> so why try to defend? [laughter]. >> I wanted She already had a lot of. >> wanted now. >> I know. Well, now we're working on it as. a team. >> But you try to defend.

I guess it's just it it's hard to accept. that. >> you know made some mistakes along the. way but there is that good intention of. trying to get [ __ ] back in life which is. why we're taking that big step. >> You also had to during that whole entire. time you should have thought about okay. she's her names are also on certain. things with me. >> up her credits up we're we're both and. that's something that I always brought. up to you is going to me up too. So then. we're both going down.

>> It's a teamwork thing. So we both work. to go up, not down. >> Yeah, I know. That's why. So like we all. the major things like the car, the. house, that that we're both on. I tried. to keep that like front and center, >> but we still kind of cuz those are the. biggest payments, right? >> Well, tell me what's his main financial. cuz it's chunky. >> The main financial main financial. >> that was we took out that loan because. at that time um three jobs. No, >> it's just a survival loan. It was a. survival. >> while you were making $75,000 a year at.

your lowest. >> Yeah. So it was a it was a survival loan. because she didn't have a job. >> It doesn't Dude, you were making. literally just above the median. household. >> But we were already in a hole. So in. order to survive and continue keep. everything from getting like. repossessed, we had to get a survival. loan. I said, "Okay, we're going to get. this loan until you get a job and then. you can help me pay it." That was the. idea. She got a good job, but it didn't. work out. She lasted like 2 weeks and. then quit, you know.

>> Yeah. Because they wanted me from 6:00. a.m. to 6:00 p.m. and my daughter's. daycare is about. >> uh they open at 6:30 a.m. and. >> do a different daycare. >> I was already comfortable with that. daycare. >> Yeah. In the in the Houston Woodland. Sugarland metropolitan area, median. household income is 80,000. You're just. five under that with one income. temporarily. So you borrow this at a. 27.74% interest rate. You owe $8,916.74.

with a minimum payment of $28967. Then you think that helps you? >> It did at the time. It helped us. It. helped us cover like. >> I would rather let some credit card. payments not get paid. I would You're. already doing that anyway. >> I know. But at the time we were in good. standing and so we're like, "All right, let's try to keep it in good standing. until you can make more money to kind of. help out." Um because like truth be told. borrow a 30% loan though. >> I know bad call but it was for the sake.

of trying to survive the next few months. until she got a job and then she could. help me pay. Right. So the idea was. we're going to take a step back to take. two steps forward. Right? So that was. kind of the thought process behind that. and we justified it as you know we need. this in order to keep everything in. check. Okay. And then PCI. What's this? >> So PCI is the water softener system. We. got on that one. [ __ ]. >> It's because we do need. >> How did you get Because it's expensive, but it was um.

>> But how'd you get? >> It's expensive. That's it. [laughter]. But anyways, it was Yeah. So basically, >> I I I I you know, haven't gone shopping. for a water softener. >> Apparently there's cheaper ones. I don't. know. >> Yeah. And that's what I was going to. ask. So what the is wrong with you? This. this takes 11 years to pay off. 11 years. to pay off your water softener with. minimum payments. $12541. is your minimum monthly, but you owe. $8,399. or $8,933.77.

with interest charging $90.40 a month. >> It was a combination of the water. softener system, the water filtration. system for like the the what do they. call it? A little tap for like water. >> Are you guys on well? >> It's not well, but it's like the city. water. And the city water is dude like. it was causing her hair to fall out. It. was causing. >> water's hair to fall off. And literally. when you came out the shower, you smell. like coming out of the pool. >> It was like itching. >> And then sometimes the water for the. neighborhood will come out brown.

>> Yeah. >> And people will be complaining and we'll. be like, "Oh, we have a water system. >> We have a water filter system." And then. uh. >> I'm not opposed to it. You just probably. like rushed in, didn't do your research, and got some debt you couldn't afford. >> I mean, we did get some free stuff. >> The lady was very convincing. >> Here we go. Can you make a coffee at. home? >> Uh, wait. Josh, Josh, wait, wait, wait, wait, wait, wait, wait, wait. [laughter].

>> Taking too long for wait. That's like [laughter] Italian. What the. [ __ ]. >> What are you doing? >> Feeling so good.

[laughter]. >> Are you feeling good? >> Thank you. >> Hey, >> please give us a full review. She says she can't make coffee at home. with her own espresso machine. >> Her own espresso machine. She can't make. coffee at home espresso machine at home. >> She does. >> It's like 50 from Walmart. >> And she has to go to the coffee shop. >> It's like $50 from Walmart. >> It still works at this. >> Take a little sippy. >> But it's all the SIPPY.

[laughter]. >> THING. A. >> I like sweetness. >> No. >> Give. >> What? I'm going to have the other side. >> Yeah, we'll take a sip on this. >> I'm going to have the other side. Give. give [laughter]. >> Where do you go to get your coffee? >> Lily's Lily's coffee. >> Lily's coffee. >> Well, first of all, you got to get to. the coffee. >> That's what I was trying to get to. But. it's not sweet enough, though.

>> This is I don't think latte is supposed. to be sweet. Are. >> Well, she's getting like candy coffee. Yeah, she's getting like candy. She get. like This is nice. [ __ ]. >> This is good. Some cocoa powder on top. And Dude, that's wonderful. >> Why are you giving it back? Saliva. >> I need to take a sip from the other. side. >> Dude, get in there. Enjoy what you got. >> This is wonderful. >> Sick. And I [laughter] was coming up. with this. >> Actually really good coffee. >> Really good. >> Shout out Medici Beans. >> Yes, Medici. See, what we do is we get. the beans from the coffee shop we like.

and we make the coffee. It's as easy as. that. It's cheaper. >> But if you like it sweeter. Now, mind. you, I did a little bit of syrup. You. can always add more. >> You can always add more other creamers. We regular milk. You just need to go and. try it. That's that's all I'm going to. say. >> It's cuz the thing is I'm not going to. talk to her. >> All right. Thank you, Josh. >> Thank you. >> You know, I used to dance for Florida. >> What' you call me? [laughter]. >> Say it to my face.

[ __ ] my what? [laughter]. Come on. You can make coffee at home. Just add more sweetness. Get their. syrup. Figure out what syrup they have. and get it. >> It's from like India or something from. like some place like foreign. She always. she imports it. >> India loves to send things. >> Oh yeah. >> Okay. We'll do especially engineers. >> We'll do my best. >> But just get them. Just get some. Come. on. >> Okay. We'll we'll try my best. Okay. No.

promises. >> Making progress. Okay. Well, you've had. a late fee on this. >> Yeah, pretty much. Uh, but again, >> $718.26. of interest this year. >> Yeah. >> Medical bills. >> The medical bills are crazy. >> Didn't send any statements, but you told. Colton Yo about 14,000. >> Yeah. Birth. >> Birth. Um, also like you know obvious. since after we had our daughter um and. you know she quit her job my daughter.

got she got sick and then she got sick. and every time we go to the emergency. room what's your insurance situation? >> So my insurance situations I have you. know full health insurance mental and. everything. She's not on it cuz we're. not married. >> What? You're not married? >> No. Get married sinners but. >> just get married. Just get married. That's what I told her. >> What if I'm about to leave him? >> Are you? No. Maybe. >> Get married. There's extra legal. protections that come with the tax. benefits. A lot of stuff. There's no. reason not to. >> Legally on on the get married.

>> Last last year we did report as married. filing jointly. So, I guess tax-wise. we're married, but we haven't gone to. court is what I'm saying. We haven't. gone to get this marriage certificate. And that's what they asked for for the. insurance. I have my daughter on my. insurance uh but I don't have her on my. insurance. Hey, but you got a refund. from your deductible after giving birth, but you spent it instead. >> To me, it was a check and I was like, "Okay.". >> Do you have a minimum monthly payment on. this medical debt? Have you started.

negotiate? Get on a minimum. >> Move. >> Well, we're trying to catch up on. everything else first and then. pay. >> Okay. Chase auto. Great. Oh, >> yeah. That dude your LAST SCHEDULED. PAYMENT IN FULL AMOUNT DUE 311. >> about the payment is $1,4557. WHAT IS THIS CAR? WHAT IS THIS POSSIBLY. CAR? WHAT IS THIS? WOW. IS THIS This is. I think it's the second highest payment. I've ever seen in the history of this. show. I think 2000 was the top. WHAT ARE.

YOU DOING? WHAT DO YOU HAVE? OKAY. >> OKAY. SO, it's a 2023 Jeep Grand. Cherokee. This is how. >> CHEROKEE FOR $1,500 A MONTH. >> OKAY. LISTEN, >> IT'S [screaming] A LONG STORY. It's a. long story. Okay. >> There's a story to this. >> All right. Listen to this. [clears throat]. >> Tell me you. >> you're getting fees added at a 14.18%. INTEREST RATE AS WELL. OH, PRINCIPAL.

balance $64,3789. SAYS WHY [screaming]. >> HE'S GOT some vocals. >> Explain. >> So, >> I mean, sorry. [laughter]. >> It's okay. It's believed. >> All right. So, essentially what happened. was when we first got together, I had a. [ __ ] up truck that was in the shop, right? I was borrowing a truck and I had. mine was I had a Silverado and it was. fully paid off, but it was a piece of. Right. >> Okay. get to it. Why did you have to get. a grand Cherokee?

>> After that truck, after the Silverado, I. was like, I need a new truck for work. Has to be a truck because I haul [ __ ]. sometimes. So, >> I got a like a 2015 Dodge Ram, whatever. It was like 20K. >> We love it. Okay. >> Okay. 20K. Um, a couple months later, the engine up, transmission [ __ ] up, everything [ __ ] up. That truck went. when I called the insurance, I'm like, "Hey, man." Cuz since it's a used. vehicle, they gave it to me as is, whatever from dealership. So they were. like, "Hey, we're not covering anything. You don't have warranty on it. So call.

your insurance." I called my insurance. They asked me two questions. Did you hit. something? No. >> Yeah, it's insurance. >> Did you [ __ ] Did something hit you? And I was like, "No." They're like, "All. right. Well, [ __ ] you. But look.". >> Yeah, I agree. >> So, all right. I didn't know that. I. thought they [ __ ] covered anything if. Yeah, dude. It's [clears throat] If it. has full coverage, >> if it has full coverage, you would. expect it to be coverage for the [ __ ]. truck. Okay. Point is, after that truck, I took it to the dealership to figure. out what the was wrong with it. It was. the engine, transmission, some other.

[ __ ] was wrong with it. And so, they're. like, "Yeah, man. Like, they basically. sold you a lemon." Like, it sucks. Um, >> I don't like This is why I like having a. car that doesn't have an engine, transmission, or any of that [ __ ]. Continue. >> But anyways, after that, I was like, "Okay, so what. are my options?" They're like, "Well, you can pay the repairs. It's like 15. grand." They're like, "Or you know, you. can trade it in." And I was like, "Well, I owe 20 on it." I was like, I'm not I'm. basically super upside down on it at. this point cuz the truck is worth like a. thousand bucks for junk. So they were. like, you can get rolled over negative.

equity. I rolled over negative negative. equity. >> What's the truck work worth? Oh, I have. it. What do you think it's worth? >> The Jeep Grand Cherokee. It's worth like. 28K now. >> It's worth $27,000. You owe $4,378. >> 15% interest rate. 1,45 and you're. behind. >> Yep. >> Yeah. >> What the [ __ ] are we doing? And then. what's this? Is this another car? 2024. something. >> No, no, that's the RV. >> That's the RV. That 2020. >> So, tell me about this RV.

>> So, the RV was an agreement um that I. made with my mom. Um cuz she was helping. us out. So, then she's all like, "Hey, by the way, I'm going to be, you know, roaming around, I guess, the US or. something." She was like, "I need an RV. so that I can live in whatever." She was. using it to live in cuz she has a she. has like a whole ranch in Mexico. So. she'll come when she comes here um. she'll stay in that RV and then go back. to back and forth from Mexico to here. Right. >> She took out an 11% debt for her with a. minimum payment of 541.86. [clears throat].

>> The idea was originally she's like you. know let's buy it. We'll go you know. I'll pay you on it and then uh you it'll. just be on your credit but she'll pay. it. What ended up happening was she had. a little truck like handme-down truck. and she's all like I'll give you my. truck and you take over the payments. And I was like all right cool. So, we. took that truck and we sold it to have. more money uh to kind of keep us, you. know, afloat when she wasn't working. And then I ended up taking over the. payments through the RV. So, now we owe.

the RV. >> What is wrong with you? This is This is. ridiculous. You owe $21,543.66. on it. Repo it. >> Well, she still lives in it. [laughter]. >> Then, no. Oh, then. Oh, where is it? You. got to tell her to get out of it and get. it back in. You got to tell her she. can't live in it. >> And you got to voluntary repo. >> So she do I have to evict her? [laughter]. >> Like do I. >> kind of kind of Yeah.

>> Yeah. >> Put her in hotels when she visits. It's. cheaper to do that every once in a. while. >> Yeah. >> She kind of lives on both. She stays. here for like 2 3 months and then goes. back for like a month. >> She can't live at home with you guys. when she's here. >> No. She's a free spirit. She's a. >> energy. >> You remember that uh you remember that. lady I had on here with the energies and. the tarot cards and. >> I think so. >> That's basically her. I could have been. It's almost like I was watching my mom. >> You trusted to go into debt for that. person.

>> Well, she helped us out a lot. She did. help us a lot financially. >> She she helped us pay for my daughter's. daycare when we didn't have enough. She. would pay us like half the payment or. something. >> Yeah. But that doesn't mean go into a. debt. Maybe I'll offer to put money down. or something. Like also whenever we're. late charges of course. >> Oh sake. >> Yeah. >> Let's keep going because my gosh. >> Okay, Mr. [clears throat] Cooper. This. is a mortgage. >> Yes. >> Oi. Oi. Oi. [sighs and gasps]. >> Cheaper than the apartment. >> Uh, yes. But we I if I went apartment. shopping for you, I guarantee I could.

find something cheaper. >> Yeah. But is it potentially? Shut the up, dude. Shut the up in the. entire Houston area. Yes, DUDE. NO, I. KNOW HOUSING. OH, REALLY? >> YES. [laughter]. >> You're so ugly. Shut up. >> It's worth more than that. Now we got. the valuation estimate. >> Valuation via who? >> Mr. Cooper. No, I have Mr. Cooper as.

well. No, I don't care about that. This. is my accurate. Okay. So, you owe a total of. >> 21 or something. >> The is the balance. >> last night. >> Uh 7%, right? Don't love that. Oh, here. we go. 218,000. >> 7%. Dude, I thought it was 675, >> dude. Round it up by a percentage. A.1. percentage gets it to seven. >> I mean, it does, but yeah, $218,74189.

minimum monthly payment, which by the way, as rent can go up and down, this will. only ever go up cuz property taxes will. only ever go up. $1,76621. You could refinance to a lower rate. That might be. >> So, we did the homestead. >> Okay. So, yeah, if you sold it today, I. mean, you have an equity position of. about $5,000. If you sold it today, you'd lose money. So, this is not great. >> Easy as that. >> That's today. But what about like in.

March. >> whenever the new year comes in? You see. what I'm saying? Cuz they're building a. bunch of nearby. >> building everywhere. It's every metro. region in Texas is growing and building. That means. >> therefore we can only win. >> Therefore, that is not true. You're. literally would have to write a check. for about 10,000 hours if you closed. this today. If you sold it today, you. would have to write a check for $10,000. It has gone down in value. uh since. yeah, middle of this year towards it's. gone up at the beginning of the year.

Now it's gone down here. This is not. This is This was a really stupid thing. to do, guys. >> Really stupid thing to do. >> I don't think so. We have a pretty nice. house. >> Objectively, yes. No. I mean, it's it's. fine. It's a It's a small little ranch. house. That's fine. Definitely on the. far edge of Houston. >> The far edge. >> Yeah. >> It's all the way the middle of nowhere. >> Yeah. Which is extra stupid cuz there's. no work there. Makes no sense. >> Yeah. Well, remember with the rent that is.

comparable to this in civilization comes. with jobs that pay money that you're. close to. >> Okay. Student loans. Who who got the. student loans? >> He did. >> I did. So, she. >> I was able to pay mine. >> She was able. >> You finished yours? >> Well, I finished school without having. getting any loans. >> Oh, okay. What's your What did you do? >> I got loans um. >> for what? >> I got loans for my degree. I have a. bachelor's in safety management. >> There you go. So that's so I got a bad.

but. >> yeah that's good. >> Basically. >> I mean it could have been paid off if. you didn't have to pay. >> I mean it's fine. You got a good return. on investment. You make good money. I'm. not complaining about this and it's. federal student loans anyway. >> It was a kind of a stupid thing cuz I. could have paid myself. >> Could have. You didn't. Whatever. $26,827.71. >> Your payment plans at Oh, regular is. 1876. Something like that. >> Okay. And it's federal, so I'm not. freaking out about it. Minimum payment. until it's paid off. >> I think it's all like what? Subsidized,

right? All the subsidized student loans. >> You might have some unsubsidized. Let's. see. >> I don't even know, dude. I just. >> I can't. The statement's not great, so I don't. know. >> Okay. Either way, is there seriously more? No. What is. this? >> Is there more? No. That's my That's my. 401k. >> I was standing low balance. >> Yeah. So, I had I had a loan from my. 401k. So, >> collecting [clears throat] it. >> again. It was a survival. No, the the. the deposit that I deposited.

>> Well, it gets it gets deducted from the. balance. >> Yes, it would be called due and then. everything you've been growing would. get. >> It's so stupid. You want to have more in. there than what. >> you 1,2 Yeah, cuz well, first of all, first of all, what it's worth, you've. probably borrowed close to everything. you've put in outside of employee. contributions. You can't borrow from. employee contributions. Um so but the. debt is $1,227.36. retirement account about um almost five.

just under five. Um. >> so the cool thing. >> we. >> the cool thing Yeah. >> I was going to say addition to that we. also have u like I guess part of the. company right is uh the employee stock. stuff. So. >> checking account's negative930. >> Which one's that one? You're checking. >> 309.30. >> I couldn't see under my glasses. >> That's our drug account. >> Yeah. >> Oh, that's weird. >> I took over the finances, she said.

>> I mean, even though. >> Oh, you took out a hardship loan less. than two weeks ago for $700. That's not. listed. >> on your 401k. >> Yeah. >> We needed to make the payment. So, we. didn't go late. I didn't My whole thing. was I don't want to go 30 days late on. the car payment. So, we took it out. We. took it out for the RV cuz on the RV. >> That's right. That's what that was. >> Possession would barely even help you on. the Cherokee cuz they wouldn't be able. to sell it for much. >> Exactly. >> That's insane. Okay. And then negative. on the checking account. She didn't even.

know this. She took over the And since. we're negative, Since we're negative, we're getting Chick-fil-A, Shipley. Donuts. There it is. There's a fee. There's a fee. [ __ ] Nothing bunk. cake. Nothing bunk cake. Pizza Hut. Food. truck. El Tree. McDonald's. McDonald's. McDonald's went in the bull store and. got some [ __ ] Ariana's bakery. affirm affirm payment. Grill egg up. grill. Eggs up grill. Lily parking. little egg. Affirm. Affirm. ATM with. raw. Who knows where the that went?

Tacos Toro. [laughter] Oishi sushi eggy. barbecue joint. Selling out money. It's. all [ __ ] Check in the box. We have. a child. So this is disgusting in your. negative checking account. What a joke. Little Monica affirm retrying payment on. something. Great. That's wonderful for. your Home Depot card. Um, something. You. got something at a plaza. Sawdust. restaurant. Starbucks. Premier Catering. again, whatever that is. Little Monica. Uh, $20 to Oh, easy tag. You're taking. tolls. A firm going in getting some. [ __ ] from the gas station again.

Gamer stuff's cheaper. 25 cents a. serving and it tastes better. I promise. Winfield's chocolate. You can make. yourself one of those servings. Take it, dude. They're free. What a joke. Overdrafts up the dick. Just stupid. Stupid bull. dumb. I don't even know. Let's just see if. this is even possible cuz that's the big. question at this point. >> I [clears throat] mean, >> so we do eat we did eat out a lot. before. >> OH, DID YOU BEFORE THIS? Shut the up. No, I don't want to hear it. This is. This just happened. Total income is.

good. 9,923. Minimum monthly debt payments. Let's get. this. Oh, you don't have any. You guys, what did you put down on the house? >> It was not much. It was like like 8K or. something. Oh, okay. Three. So, so far. you're underwater actually on the house. Okay. Minimum monthly payments outside. of mortgage is $3,02587. When did you get the house? >> July of 23. >> Oh, [ __ ] You guys Okay. [laughter] And. your mortgage? $1,766.21.

Gas, electric, utilities, internet, all. that combined about how much? I know it. fluctuates, but. >> like utilities, >> utilities and internet all combined, how. much? Probably like what? 400 bucks. maybe. >> Okay. 400 bucks. Phone bill. >> Just 90. Whatever you pay. >> Yeah. Uh 60. >> 60. >> 60. That's not bad. It's something like. Helium that we have. Okay. That's good. We like helium. 15 bucks a line for the. T-Mobile service. We like that. >> Uh transportation. Okay. So, gas from. drive drive. >> About almost $80.

>> a [clears throat] month. >> Oh, no. A week. I'm sorry. I was. thinking a week. >> So, 320 a month. >> Yeah. Car insuranceances. >> Uh, we pay. >> 125. >> Is it 125? >> Yeah, it's. >> Yeah, 125. >> Okay. Groceries. We should be able to do. for the 2-year-old. 2-year-old's off the. tit, right? I think. >> No. >> 2-year-old's on the tit. >> Oh, no. >> You're saying, right? >> Food. >> She eats food. Milk and food. >> Yeah. We have to buy for three. >> Oh my gosh. [sighs].

700 bucks should be fine. >> That's a lot. >> $200 cheap. Oh yeah. 600 for groceries. should be fine. I was being generous. 600. Okay. TP fun. Anything else you. need to survive? Tampons, toilet paper, all the good stuff. Toothpaste, things. for the kid. That's what you got. Diapers, blah blah blah blah blah. 200. Actually, I'll say 250. 250. Medical. healthcare. Any co-pays on a monthly. basis? >> 12250 cuz that fee. >> say 1250. >> Subscriptions. Let's see if I can budget. in 25 even. Do you have any pets? You. mentioned pets before. What do we have? We had a [ __ ] but now we we're down to.

just a a turtle, a. >> immortal Mexican Chihuahua. >> and uh. >> a cat. >> Yes. >> What's the cat age? >> He's like four or five months. >> Yeah. >> Oh, so he's Yeah. Okay. Pet insurance on. the cat 50 bucks. How much for pet food. and pet maintenance on a monthly basis? >> What? 50 bucks maybe. >> Okay. Anything else that needs to be in. your budget that I have not taken in. account? >> Mm-. >> Okay. May I add this all up? Did you. include the RV payment? >> Yeah, that's in the deck cuz we missed.

that like last time. [laughter] We did a. whole plan and forgot. >> But you didn't mention it. >> It's your consistent plans. They're. always so. >> damn right. >> planned. Okay. I mean, you guys have. room 700 7,000 cuz you guys have an. incredible income. Again, this was not. an income issue. This is not an income. issue. Even before you got this new job, it is not an income issue. You got an. extra $2,000 a month. I'm going to give. you $500 in fund. >> so that you can maintain the situation. Let's call to 5 $1,500 left a month. Okay. $500 of fund gets you some good.

[ __ ] And I don't often times get the. chance to do that. So $357, $85.552. total of debt. Let's minus the mortgage. of two $218,74189. Then also minus the student loans of. $26,93145. brings us to a total debt of $111,412.

uh $41218. of bad bad bad bad bad bad bad bad bad. bad bad bad bad bad bad bad bad bad bad. bad bad bad bad bad bad bad bad bad bad. bad bad bad bad bad bad bad bad bad bad. bad bad bad bad bad bad debt of $1,500. a month pay us off in 72 months is. chunky but um 6 years no I don't think. you have to do bankruptcy because we're. giving you a good fund budget you're. able to maintain you're working a lot. you're getting pay raises once you're. able to take up more shifts of work you. do and obviously by the time the kid. will be in elementary school well before. this is finished you know halfway into. this process So, your income will be. substantially boosted. I think you guys. pay it off in 5 years. Sassy black woman. was incorrect. I don't think you need to.

do bankruptcy. >> She did make me. >> sassy white boy says [laughter] no. Sassy white boy says no. >> I think 5 years to pay this off and it's. not that bad, guys. It's not that bad. >> It was really funny though. >> And then you get a fully funed emergency. fund and then we really need to catch. back up on retirement. I think we do for. a little bit at least 50% on needs, 25%. to fund, which is a substantial amount. of money, the income you guys have, and. 25% to catch up in retirement. Okay, joined us in the post show. Colton's. been saying we got some juicy stuff to. talk about. I don't know what it is yet,

but let's get the hammer financial score. first. Spending in a budget, you. actually technically underspend on this. last month, but you also weren't putting. your money towards debt cuz payments. were failing and you were overdrafting. your checking. It didn't make sense. So. it's still with the overdraft zero out. of 10. Debt it's horrendous. I mean just. straight up it's horrendous. There's no. collections or IRS debt. So one out of. 10. But uh emergency fund soon the debt. will be zero out of 10 once. Medical. goes to collections. Emergency fund. there's nothing. 0 out of 10. Retirement. you withdrew you borrowed against 401k.

loan. Okay. At least there's I'll give a. one out of 10 out of generous. Real. estate it's not going to be great. At. least you're in the market but you would. lose money today. You haven't n you've. lost money since you put it in and it's. and you've only put more money into the. house anyway with the spending you've. done. Three out of 10. Hammer financial score. I mean, yeah. One out of 10. [music]. >> That was right. >> One out of 10. Guys, click that join. button. Get three premium shows posted. every single day, Monday through Friday. in Hammerly, including an extra 20. minutes of every financial audit. episode, including this episode where we.

got some really juicy stuff to talk. about. I'll see you guys there. Bye-bye. But apparently since you submitted. documents to come on the show, you've. built up balances on your credit card. >> Miss in charge of our finances. >> One Carter TJ Max. Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is.

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