Financial Audit’s Final Boss

I told YOU THEY WERE BAD. You're spending half of your income on. fun. It's not that they suck. They don't. do it to you. You did it to yourself. They did. Huh? 2 years of three episodes a week. This might be the worst I've ever seen. on the show. Hi, my name is Rosa. What? Cutting that off. This is You guys have. broken records. We have just I need to. get into this episode like legitimately. right now because this is the biggest.

stack of paperwork I've ever seen in my. life. Listen to this sound. This is. insane. So, we got Sam, we got Rosa 27. 26 San Antonio. That's wonderful. But I. need to start this thing cuz we're going. to be sitting here for like four hour. How in the world do you guys have so. much. paperwork? How in the world? I've seen. big stacks and I've said this is the. biggest stack a few times cuz they've. had the biggest stack. You've broken all. records. All records. I thought I was.

going to walk in here and there was. going to be a couple 40-year-olds or. something that have had decades to build. up this much. younger than me. What is going on? Any. of you please start. Please start. like how we got into this. This is crazy. Anything. Yes. How are we in this today? So, I think it started well, first I got. like my first credit card when I was.

like 18, maybe like a month after. So, I. feel like that's where it started. Paid. that off and then we moved into a house. 4 years ago with nobody's help or. anything. We kind of. Okay. People move into houses. I know. But like we had nothing like no. couch, no bed. We just had clothes. Okay. Welcome to how everyone moves. Oh, but like we didn't we didn't think of. anything. Hey, I did that. They did that. We don't. have this. I know. It's bad. So, like. figure it out. Yeah, we had applied for the house in.

August of 2020 and then we were moved in. like November. What's applied for the house? Is this a. rental or is this a mortgage? No, it's a mortgage. Mortgage. We took out a mortgage. We took out a mortgage. We couldn't. afford furniture. So, I assume we didn't. have an emergency fund. No, we took out a mortgage without having an. emergency fund. But we had moved in with only $100. Like. that's how much we had to pay to move. in. And then they were like, "It's going. to be 1,100." And then. pay to move in. What's pay to move in? What are you saying? Pay. like um like the closing cost. Like we. only paid. You thought our closing cost would be. 100. I mean, if it was.

No, it was 100. That's what I'm saying. It was 100. Oh, so it was a special. Yeah, like we didn't pay that much. And. then it was going to be 1,100. So we. paid 1,100 for the first year. Wait, wait. When did you guys get this. house? During COVID, so 2020. Okay. So you got a great rates. When. have you guys were you guys married? Yeah. Yes. So you guys have been married for a. while? Yeah. Yes. Yeah. Okay. Did any of this debt like stack of. debt exist before then? Uh maybe just a little bit. Maybe like 5. to 10,000 but the majority of it was.

once we had moved in. Just a little bit. 10,000. Yeah. Yeah. It it wasn't that bad. But so we. had moved in. It was supposed to be. 1,100 and then the next year they moved. it up to 1,600. Next year they moved it. up to 1,900. The mortgage itself. What? Property taxes. Yes. Yeah. Welcome to the Texas. Yeah. So, it it we didn't do any. Well, hold on. Why do I Why did you not. apply for Homestead? I I just did like last month. So, I'm. supposed to get a a refund for this year.

and then two years before that, but I. didn't know about homestead. Well, yeah, now, but during the time. Why would you buy a home without being. informed what it takes to buy a home in. Texas? Just family situation. Move out, be on your own. What's family situation? Um, well, so my dad, he was paying for. his house. It was supposed to be my. house, but my mom ended up just staying. there. So, I didn't want to live with my. mom for our entire adulthood. We already. had a kid. I had gotten pregnant when I. was 16. Um, so we were already grown.

19. Yes. Yes. So, 19. I was Oh, well, I was 17 when I had her. So, yeah. You were 19, right? I think so. Yeah, I think so. We have like a two-year difference. Oh, Twitter won't like that. Yeah, I know. I was just thinking about. that, but I think So, so we kind of just. moved in. No help, no nothing. How many kids do we have? Two. We have two. ages. Um, eight and two. Eight and No, eight and one. Well, [clears throat] basically two.

Yeah, they're both turning ages in. November. Okay. So, wow. One very young kid. You first one assuming Whoopsie. 16. typically would be was the most recent. one. Whoopsie or planned? Um, kind of planned. Yeah, with this. Yeah, with this. mind you for what it's worth, just about. [crying] this much is like checking. account and slight retirement. Maybe. like this much. Meaning this all is.

debt. Yes. Okay. So, we moved in a house. We didn't. have that money that much money. So, over the course of the next few years, so you just guys just around what are we. doing? Because Okay, cool. We move in, you know, we don't have as much money. We make a mistake. Course correct. Course correct. Mhm. Get the emergency fund. Don't spend. money we don't have. Don't around. Make. sure we're prepared to take care of the. kid that already exists and take care of.

the kid that's coming in. Yeah. Obviously, that is not what happened. So, what happened? It wasn't the house. that you got you into this. What. happened? Cuz this was been four years. So, so we weren't paying that much with. my dad cuz we were living with family. beforehand. So, we kind of moved in. paying 1,200,300 and we were in school. So, we had got the house November 5th. Keep blaming the house. It's been 4. years. No, but I'm saying okay. So, then we. graduated and then I lost my job. I lost. my job 3 weeks after we got the house.

It was technical support. It was a work. from home. So, I lost that. Um, so I. didn't have a job for like a few months. and then I did get a job. That's why we. have emergency. And then you had lost your job too. What did you lose? Customer service. Yeah, it was for the same company. Both. same customer. Okay. So, it sounds like. the company was probably downsizing. Had. some issues. Okay. So, customer service. jobs, you know, you can go get a lower paying. customer service job if necessary to at. least cover some time. It's not like. it's a walk in the door and get it type. thing, but we can start applying right.

the day of. We can start getting in the. industry. Yeah. And either way, this is not a couple. months of mistakes. No. And then he just got his job again. cuz he had lost his job for another. while. Um he went back to Amazon for a. couple of months and then they changed. their pay rate. So it was a huge. decrease in in pay going back to Amazon. So I think I think we're okay right now. job-wise, but we just have a lot of. stuff to pay. Yeah. So now we're kind of.

having to backtrack and um I guess cuz I. got a better job now, too. So, I think. we're good job-wise, but now we're just. having to pay off everything happening. from the four years. So, what are these jobs? And we'll start. with you, Rosen. What do you do again? 26 years old. So, I work at um in sales for a diabetes. company. Sales. Oh, diabet. Are we selling. diabetes or prevention? Insulin device. Yeah, it's an insulin. device. So, I just moved to that job.

America, you're in the right place. In March. So, um, it was ma mainly the. same hour cuz I was I've been with them. for a couple years already, but now they. have bonuses. So, that's where the. increase of. what would you say comes in on a monthly. basis? Um, so I make 21.84 an hour. How many hours a week? Um, about 42 a week. And then what's this bonus structure? Um, it's quarterly. So, last bonus was. about $3,500. Wow, that's actually great. Yeah. And then. so we can add about a,000 bucks a month.

Yeah. But I So, that one was in August. That was my first bonus check, but I. think my next one, which is November. 3rd, I believe that one's going to be. probably like a,000 maybe. Why? I I It's just the way our quotas work. Okay. Unfortunately, but it's it I'm supposed. to be aiming for about 3,000, but it was. just a bad quote. I had your payroll hit of 7,781, but was. 3,000 bonus. So, what is it normally. without the bonus? Um, probably 1,500 bi-weekly. Okay, so 3,000. But I'm going to call it. 3,500, you know, just doing the bonus.

Yeah. Yeah, that sounds about right. And then you, Sam, what do you do? 27. years old. I work in correctional institutional and. I am an officer. Okay. Um, and basically I would say I make. about. close to what she makes about 1,500 a. month. I think it's he said she a month. She. said per paycheck. By. week? Well, he's by monthly. I'm by monthly. Yeah. Yeah. I had you hit Wait.

by. Okay. Yes. So like the 15th and the 30th. Yeah. Yeah. Yeah. Yeah. I had you hit 1,446. total. That's one check. That's when. Okay. So we only had one check within. the time of that statement. Oh, this is. new. Yeah. Trust me, I got so many questions I want. to ask you about this job. And I'm going. to save that for the post show where we. just talk about all the stupid stuff. If. you guys want to join that and watch all. the extra stuff we have going on, it's. in the description, by the way.

It's fun to talk about all that stupid. stuff. Okay. Yeah, I've never talked to. someone who's worked in corrections. I. have a lot of questions. Okay, [laughter]. sir. Got them for you. Got some answers. All right. I want to see where we think. we are cuz again, we need to get in this. paperwork or we're going to be here. until. tomorrow. Yeah. I'm going to go 3 2 1 go. On go. I want. you guys to give me at the same time. where you think your household financial. score is. 10 being the best it can. possibly be, zero being the worst it can.

possibly be. So, three, two, one, five. Okay. Three. Thinking we're You think. we're like doing solid down the middle, even though, again, we see the stack of. this paperwork in front of me. You think. you're a little lower than that? Yeah. Why does your husband think you guys are. doing solid straight down the middle? Um. cuz he doesn't really handle the. finances at all. Or I guess like maybe. like 15ish%. So. how do you handle 15% of the finances? Like we have like a joint account so he.

just gets paid and then I just pay. everything. But. why why don't you deal with anything. finances? Cuz I feel like I would make more. mistakes than she would make. But don't. you want to be informed of what's going. on for the household? I do want to be informed of what's going. on with the household. At the same time, I feel like she's really good with. numbers, punching them. I feel like. it'll get to me and I'll stress myself. out with the numbers. Tell me how much debt you have. I'm not too sure. Go ahead. Not too sure. Go ahead. Give me your best guess.

Um. 20ish, 20k. So, not including mortgage. Okay, which is fine. So, not including. mortgage. Yes. Well, the car too. Yeah. All that. 30. Okay. Yeah. About 80. About 80. Way off. So, that's kind of terrifying. Yes, it is. I have been telling. that you don't even know. You don't even.

think you're 50% of where you are. No. How do we get to places? How do we get. to a goal? A financial goal, life goal, retirement goals, things we want to. family goals. How do we get there as a. couple if we don't even know how much. where even what ballpark our debt is? How do we get to a goal together? How do. we do this as a partnership? How? So, I think that's where the majority of.

this came from was I feel like I I was. trusted with everything and then I feel. like I kind of like us. How' you just like okay you want to go. here like let's go here. Oh, I don't. feel like cooking. Like, let's just go. out to eat. Why are you allowing this? Like I I just I think I felt like I lost. control, which is why I had applied in. the first place. But when when I was. thinking about applying, I was telling. him, you know, like, hey, this is how. much like I felt like I am losing. control over things. Why have you allowed her to lose.

control? She has been asking me for help and I've. been gradually trying to make that. effort to help her with some of that. bill. What's that look like? Basically just. keeping up with the numbers, keeping. track of them. Buddy, you thought your debt was 20, then 30,000. It's 80 outside of the. mortgage. How much is your mortgage? How your total balance? Total balance? How much do you owe on the house? No. No. How much do you owe on the house? I would say we about [clears throat] 30. to 40,000. on the house. You owe $213,000 on the.

house. The house is. not on a monthly basis. No. What? You think you pay $30,000 a. month towards the house? Wait, wait, wait. Like, how much do we pay monthly for the. house? Hold on. No, no, no. Hold on. I need to. be very clear. You don't think you pay. $30,000 a month to this house? It's like five. I think. we only almost bring in like four. to five.

Oh my. Okay, we're starting from. scratch. Yeah, we are starting. This is like. Yeah. So, it's been So, we we've always. been like we've been together for like. 10 years already. So, we came from like. high school to adulthood together. And I. just He's never been good with numbers. So, I've just never like, "Okay, you get. paid. All right, we did this. All right, we'll do this." Like during school, we. were getting paid. Um we did work study. Like, we were kind of just like going. with the flow, bringing in money, paying. things, and then the debt just started.

getting really bad. Are any of the. prisoners going to see this? No. Okay. When they get out and they see. this, are they going to come after me? Cuz I bullied their favorite. correctional office. You should be good. You should be good. You should [laughter] be good. Okay. Okay. Yeah, that's that that's your answers. scare me. And then your answers of the. person who was running this whole thing. about his around and throwing it down. the drain scares me. Do we have a goal?

Do we have a singular goal? getting the. positive. Yeah, I. that's what your guys are online. Get. out the negative. My goal because I'm 26. I just turned 26. in August. So, I do want to kind of get. rid of like the credit card debt like by. 30 cuz I feel like I made a lot of. money. You guys aligned on that? Yeah. I. mean that my the spending comes from me. Like he doesn't spend anything. You don't spend anything? He spends nothing. He does gas and for. the weekend, you know, I have his spending accounts. No, that's that's mine.

I have cards with his name on Yeah, they're mine. You're spending on his cards. Yeah, like that's what I'm saying. He. doesn't. Do you even know this is happening? Yes, I do know about that. And you're. okay with this? Yeah, those are mine. Why? Cuz I feel like she's making pretty. reasonable decisions because she. wouldn't be spending if she didn't need. to spend on certain things. Okay, to be clear, this is again the. biggest stack of paperwork I've ever. seen. You spend $640 going out to eat. $2,262. on miscellaneous can be video games or.

could be stopping for a hobby. That's half of what you bring in, guys. Guys, okay, it's reasonable. That's what. I just heard. It's reasonable. We know. what comes in nonbonus month, both of. you combined, we're seeing about 6,500. Yeah. Actually, that is taking account the. bonus spread out. Yeah. 6,500. Okay. Uh, why don't you tell me. how much was spent last month?

It was my birthday month, so probably. like $10,000. Everyone has a birthday month. Why? Who. gives a. Also, 26. Not even a notable birthday. It's a nothing birthday. It is. It's like your first birthday. with the second chapter of your life. Second chapter. What? Yeah. Like 1 through 25 and then 26. Okay. Nothing changed. Okay. Well, it was probably like 10. $10,000. How much did you spend was last month? How much was spent? Probably about the 10. Okay. And you find that to be. reasonable. Again, 6,500 comes in. You.

find 10 to be reasonable. Birthday month. You you you're aligned with this. birthday month thing. It was her birthday. her birthday. Why do I give about. her birthday? You know who birthday it's. about to be? The 2-year-old. And guess. what? That 2-year-old is going to grow. up and have to take care of their. parents cuz their parents never saved up. for retirement. That's another 10 for the kid. Huh? That's another 10 for the kid. Basically, every birthday. their birthdays are two or a day. So, it's one day Do you guys not even give a. what I just said? Yeah. Because of your birthday month, your. special little 26-year-old.

and having barely anything for. retirement. Is this funny? Is this comedic? No. Your kid is going to have to put their. life on hold to take care of his or her. irresponsible parents because they. thought this was funny. Well, that's why we're here. He's laughing. He's giggling his way. through it. That's like a I don't know. It's eye opening for me. Yeah, he's. it's eye opening. He's in shock right. guys. You spent $15,26261.

You bring in 6,500? In what world is that considered. acceptable? Half of what was brought in was spent on. bull. Well, that doesn't even matter because. you spent. more than double what was brought in. More than double. negative.

Yeah, it's pretty bad. Pretty bad. Oh, but we're a five or a. three out of 10. Yeah, it's pretty bad. That makes sense. Let's start this show. If you want your Hammer financial score, it's free. Link in the description. below. If you want to be on the show and. give me a stack of paperwork, go to. caleb.comapply. Okay. Okay. You guys have college. degrees, it sounds like, cuz I heard. graduate. Yeah. Okay. What's your degree in? Um, criminal and physic education.

So, we are kind of working in the field. Okay. Very cool. What What about you? Uh, criminology and psychology. Okay. You're not working in the field. All right. Okay. This is a joint card. American Express. Is that. cash magnet? Oh, okay. That's the blue one. Yeah. Yeah, it's blue colored. Yeah, that's like that's like one of our. dailies. Is that how we're designating what we're. spending on? What color the card is? It's Yeah, the blue one or the gold one. is usually like our dailies.

Your dailies, guys. You spent on half. these [clears throat] cards and there's. only about a thousand of them. 5,000. $14. Listen, that should just Most. people come on this show and I talk. about one or two or three cards in that. balance range. This is just the first. out of like a trillion billion of these. cards. CREDIT LIMIT 5,000. CREDIT LIMIT 5,000. Credit limit 5,000. And it is sitting at.

$5,141. with $140 minimum monthly payment. Okay. Okay. It doesn't matter. I mean, it's not like we have two kids. One's. about to turn two. No. Who really good? Oh, good. So, you you paid off some. money. You started you started above the. the credit limit. Then we put money. towards it, but then you charge to the. card $3,3553. Daily spending. Daily spending. What.

kind of daily spending are we allowed to. do? $90.89 of interest acrewing if you. are above the credit limit daily. spending. Why do you think you guys can. daily spend on a card like this? In what. world do you think that is okay? I don't like using my debit card. Why? You don't have money. You're. putting it on. You're going above the. credit limit. Why don't you like. spending your debit card? It just It's just like a sucky bank. Like I don't. sucky bank. How about this? It's sucking. your money from you. It's losing $90.89. 89 cents in interest on a month. Yeah.

So I don't give a second bank. What's. your bank? It's like an international bank. What's your bank? International Bank of Commerce. Yeah, it's [laughter] called. But I've had it since I was like 12. So. walk into Chase and open a bank account. It takes 3 seconds instead of throwing. our life away on a credit card. I don't. get it. Yeah, it it's just a sucky bank. Like I. really I can't use it too many places. Just be you have two kids. Be an adult. walk into any bank. It's so easy. Yeah. And so this is it's 10 minutes of your.

time. Yeah. 10 minutes of your time if you're entire. excuse for up your life is I have a que. bank. Yeah. That's on the next steps. That's. next steps. That was next step at 18. It's just cuz I have like a lot of like. you know how you have to change the. account and routing number for like. Well, there's just a lot. But I I'll get. it done. I'll get it done. That's tragic. I'll get it done. Tragic. First of all, you're going to cancel all these cards. You don't have to worry about that. anyway. Figured. I don't even give a.

Yeah, we figured. Well, what the hell else would you. think? You guys have more credit cards. than anyone in the history of the world. has ever had credit cards. It's It's bad. It's where we start. It's [snorts] where. we start. I don't give a about your credit. score. It's already One of you has a 500. something credit score. It's like 600 for the both of us. M I have. different in here. So, Oh, I thought it was like 599. Nope. Or 600? Nope. Not rounding up, huh? Nope. Netflix. Painting with a twist. Oh, great, guys. This is great. We're. doing. for my birthday. Your birthday. Your birthday. Your.

birthday. It's 26. Is that the car? Is. that the rental car age? Other than. that, nothing else even matters. Yeah. Nothing. 26 is nothing. It's nothing. Congratulations. You're getting older. How about you take care of your so that. when you get older even more, you have a. chance to retire. How about that? I. think that's okay. Maybe that's. important. Silver sub. community arena management Spurs is.

it wasn't a game. $360. like a concert makes it better. It was a concert. Who' we see? Um Future and Metro Booming. So future is more important than your. kid having any chance at living a. financially. Yeah. sound life? No. So future is more. important than you know maybe your house. ends up being foreclosed on and your kid. has to. he's not. figure out. H. he's not. future is more important. I don't know.

that's what your actions are showing. Frozen treats sweet treats are more. important. Teier I can never say that word but it's. $50.33. Little Caesars silver river sub. more important. I think that was a Takaria. Is that the. one? Yeah, Takarium. Yeah, Mexican. Could never say that. It's okay. $800 in interest this year on one card. One of the. many million cards we're about to look. at.

Alta. We have an Alta card. Yeah, for sake. It's a Mastercard though, SO I REALLY. LIKE I DON'T. GUYS, IT'S OKAY. NO, I'm just saying it's not all like I. really don't like shop at Ulta that. much. So, where you get probably the. biggest rewards, that's not the place. we're using it. Sweet. Yeah, I messed up opening that card. All right, let's get real for a second. Have you ever felt that pit in your. stomach waiting on a payment you needed.

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already had a stack of credit cards. So. what made you think? Hold on. Hold on. I. want to know what actually when you open. this, what was going through your head? Cuz you already had a stack of credit. cards. Well, cuz I was getting like my perfumes. and stuff, you know, just like just the. regular, right? So then they're like, "Oh, do you want to open this card and. you're going to save 20%.". Oh, you're too impressionable. And then I was like, "No, like it's. okay. I'm good." And she was like, "Well, you're going to save $60. You're the easiest person to sell to. Guess what? probably lost $60 this month.

in interest. I bet if I look, oh, $108. Yeah, I think I was saving like 60 bucks. and then I was like, "Oh, Might as. well." You know, I do regret that one. Hold on. These purchases. What is this? They were um. What is this? They were supposed to. $741. 66. Oh, they were. they were supposed to cut that. Yeah. Oh, okay. Well, we believed it and cut. it on screen. What the is this? So, I I. learned a trick that's like a really.

really bad trick, which you're probably. going to see in a lot of the statements. So, when I am basically like overdraft. on my bank account, on my regular bank. account, even if I'm a penny, they'll charge me. $35. Even if it's a dollar overdraft, they'll. charge. the consequences. So, so if I'm. overdraft on my card, I'll basically. transfer money from my PayPal to his. PayPal and then it goes into the bank.

account because we have a joint bank. account. So, I'm basically transferring money. from a credit card into the bank. account. Does that make sense? It does. But you think this is actually. saving you money because. again $10866. of interest. Also, little fun fact, you owe $5,286. on us. Yeah.

Yeah. There's a credit limit of 3,700. So, you. Mhm. Yeah. That one was for the house. Like it when the house payment came out. like it was. use a credit card essentially for the. house payment. basically. Yeah. Uh when can we not afford a mortgage? When we're using a credit card to pay. for it or also maybe we don't spend half. of our income on literal bull. Yeah. So why why was bull more important than. a mortgage guys? Why was it? H. I think just the spending got out of.

control. Oh no. It's probably because it was. birthday month. My special little. birthday 26th. It's the one that no one. will forget. Yeah. When I was. birthday month have a birthday day. month. Yeah. What? And and then we just have 11. normal months. Oh my gosh. [clears throat]. Child. Back to reality. Child. Child. I'm sorry. That's what. that's that's what a child does. That's. that's what your eight-year-old gets. excited about.

No one gives a you turn 26. Not the not. the the you no one cares. Yeah. Okay. Sorry. When you're dying in debt, no one gives. a. It's like a Leo issue. Like a Leo. Oh, shut up. I It is. I swear it is. It is. My dude, the [snorts] patterns in the sky. literally 100,000 years from now are. going to be completely different because.

the path of the earth and the galaxy has. moved from where it is on the path. Yeah. None of that means anything. Just because you're a dumb with money. doesn't mean you have to be a dumb in. life. Yeah. Leo, what's your sign? I don't give a. I'm an Aquarius. Congratulations. I was just curious on your sign. I don't know cuz it means nothing. because. astrology is real.

I don't believe in it too much, but I. just like the sign part. Just the sign. part. Like I'm not like, oh, like it. says that I'm having a bad day, so I'm. going to have a bad day today. But it. just like when I meet somebody, I guess. I don't know. What? Aquarius, I'm being told. astrology. Oh, y'all are probably close in. birthdays. Astrology. That's not helping. Hold on. What is this? Hold on. Now, now. I'm getting my terms mixed up.

Astronomy is real. That's what I tried to say. Oh, you did a just because I deal with. so many people that believe in that. crap. Yeah. Astronomy is real. Oh, okay. Not astrology. [snorts]. Yeah. I don't believe in it like that, but I just like to know the sign. Just. curious. You literally just blamed this on you. being a Leo. I did. I did. You did. You did. You did. Yeah, I did do that. You did do that.

So, this little little naughty thing. Mhm. I don't think we're doing that anymore. I think we're budgeting. Yeah, I agree. I agree. Like, I'll take them off. care. if you're not a part of the finances and. all that good stuff. I don't care. You. guys are going to sit down. You're going. to go through our budgeting program. You're going to take all the quizzes. Take all the education together. You're. going to do the investing one as well. cuz I see there are a couple retirements. at the end of this. So, you guys are. going to do that together. Go through. them. Take the coursework. Learn,

actually improve your lives. You get it. for free for being on this show this. show. These people have to pay for it to. take advantage of the program. 15%. discount link in the description below. bundle. But you guys get it for free. So. just take advantage of it and actually. learn something. budget together. I agree to avoid the birthday stuff. Yeah. To avoid avoid the birthday stuff, especially with like holidays and stuff. coming up. Like I want to [gasps] figure. out all this stuff. Oh no. What are you up? No, it's okay. It was $8 at Alta. I.

thought that was $650. And I actually returned some stuff cuz I. for my birthday month and I returned it. Um I returned it. Yeah. Progress. Nope. She just didn't like it. No, I returned it because I felt bad. about like stuff. Yeah. People feel an immense amount of guilt, but you might need to. Yeah. I actually learned a trick. I. don't know if you want me to share it. right now, but I learned. Well, this trick was borderline. So, let's hear this trick. Well, recently, so I used to watch Tik. Tok when I'm at work cuz I work from. home. So, I used to just like scroll,

but I feel like I feel like Tik Tok came. like like now they're just shopping. you. know, there's a ad for something and. then you see it and then it's like. another ad, another ad, another ad. People need to make money, right? Which I understand. Um, but me. personally, I I can't see something like. that because I feel like it programs me. like I need it. I need it. I need. So, is it trick you deleted TikTok? Um, I'm actually watching your show at. at work cuz they're like an hour and a. half. So, I've just been watching like I. can even show you my feed. I've just. been watching like 20. Something tells me this one's going to. be longer than that.

Um, yeah. So, I've and it's been helping. because I'm like, dang. Like, I didn't. think that it was that bad just getting. like food or something. But then when I. see you getting mad at people, it's. like, well, you're spending $20 and then. you're spending $20 like the next week. and the next week and then that's that's. $100 in a month and that could have paid. off a card, but people don't choose to. pay off the card. And I felt like I was. in the same boat as well. So, I've just. been like binge watching your shows when. I'm at work and it's been helping. Well, I appreciate it. And I app sloppy.

toffee is not going to get you anywhere. But I do appreciate that. [laughter]. No, but it's been helping cuz I feel. like Tik Tok turned into like like when. they added the shop like it's just all. like I mean everybody has to make money. I get it, you know, but it's just like. when did you just start watching? Um like two weeks ago. Okay. Well, which is reflected in these. statements if I'm not mistaken. No, cuz we're in September. These are. all August. My birthday. Yeah. My birthday month. My birthday month. Birthday month. I know. Well, we were. and then it was back to school, too. So, I know I spent like a good amount for.

back to school as well. How much was a necessity? Like $400. Yeah, cuz she's grown. She's. grown a lot. Our oldest and then school. supplies. And then we moved her school. So, then we had to buy school supplies. again cuz they didn't want to give us. the school supplies back. So, what they can do that? Yeah. I mean, yeah. I didn't know. Yeah. Let's keep going, guys. $691 of interest on this card. So, now we're over $1,000 of interest. already this year. And [clears throat]. again, we're two cards in 31.24%. interest. It's insane. Rosa. Oh, that's.

you. Sorry. Mhm. What card is this? Pink. Oh, Victoria's. Secret. I've had that one. Looking nice for him. Yeah, I've had that one since I was 18. Okay. And I usually don't carry a balance. I. think that one might have been paid off. already, like this month. Well, no interest acred, meaning I think. it would have been paid off. Yeah, but that still doesn't excuse the. spending. The spending cuz you had to. pay off this card. and that money could have been put.

somewhere else. Agreed. And it's Victoria's Secret marketing. ballet bralette bras, sleep bottom lingerie, sleep bottom. lingerie, W first layer top, W first. layer top. I didn't know they show. bralette bras sleep bottom lingerie. I didn't know either. Yeah. Victoria Se. We got another bralette. bras. Bralette bras bralette bras. marketing PCB. Victoria Secret NC. Victoria's Ohio.

It's crazy. That's online. Victoria Secret pink bralette bras VS. Pink Sleep Bottoms lingerie. That is so crazy. I didn't know they. showed that. I thought it would just say. Victoria's Secret. Yeah, probably should. have kept that off. All the little. gooners out there in the audience are. freaking out right now. That is crazy. All right. And then more Victoria's. Secret. Probably things we didn't need. I'm guessing. something tells me you probably had. lingerie already. Something tells you. you probably already had things to wear. on the bottom.

Okay. [laughter] If you say that again, I am going to have him slap you. Okay. Cuz you never slap another man's woman. in front of them. That's what they say. And she is your wife. I confess. [laughter]. Those were jokes. I want to be clear. So, I'm I'm I'm going a little too hard. right now. I'm sorry. [laughter]. Okay. Okay. You're good. You're good. Okay. [laughter]. You're good.

I can't. I can't. I'm sorry. I'm I. can't. It's a lie. It's a lie. Okay. Let's move on. Credit one. Yeah. I made a really bad joke and I. don't know if it's in the episode. I'll. allow you guys to. We don't care. I don't care. [snorts]. Trust me, it's not about we we consent, we have fun, we around, but. like the internet. the internet's favorite pastime is to be. offended on other people's behalf. So. 1,000. facts.

Yeah. [laughter]. Sorry. 7 thou uh $7251. on here with the $700 credit limit for. every card except the Victoria's Secret. We're above the credit limit. Yeah, WE'RE ABOVE IT AGAIN. And it's credit. one. If we see credit one, that's like. the worst credit card you can get. It's. legitimately the worst. Didn't know that. I'm sure there's worse, but it's pretty. much the standard like bottom of the. barrel. Why are we purchasing $1,039.

on here? I think that was the same trick. that I was talking about like when my. checking would be negative. No, but on credit one, do you know what. credit one does? Look, you're getting. fees. $825 then interest $1.16. And I think that one, which kind of. sucks, but I think that one was paid off. for like a year. Like that one is a. recent. You're you're paying rent on a credit on. a credit one. You're paying rent. cuz I think we've had that one for like. four years and I think that one like I. never touched it. Like I didn't have a. card. You're not a credit card person. No,

no, not a credit card person. If you I don't. even you know I usually tell people to. get the Fizz card. That's is one of the people we work. with. It's good for charge. I don't even. want you guys to do that cuz I think you. would it up somehow. [sighs]. No credit cards at all basically. No, just nothing. No charge cards. No. credit cards. Nothing that could Yes, you did. You did the rent thing. And you. did the rent thing and you did the rent. thing. Yeah. Mexican restaurant and then you did the. fret thing again. fees. $66 of fees. $1346 of interest.

this year so far cuz you just started. doing it on this card. Yeah. 29 29.15% interest. for sake. Are we almost there? Oh, not even a. fourth. Okay. Couple pages in. Couple pages in. Yeah, I think that's where a lot of the. Okay. Platinum. Uh, Capital One Platinum. Mhm. $56 spent here. 1212.

$33.14. of interest. Oh, congrat round Round of. applause. Can you please clap? Clap for. me. Please clap. Clap, too. Yeah, clap. Congratulations, guys. This. time, we're not over the credit limit. We're only $20 under it. only. Now, legitimately guys, I believe that. you, everyone in your life, everyone. around us can actually take control of. their financial future and make their. lives better. And we've spent over a. year here creating tools to help make.

those goals a reality. Right now, our. budgeting program and investing program. are bundled together at a 15% discount. And you get $100 in cash gifted to you. right into your Amumu account. There's. honestly no time like the present to. actually take control of your future. Don't wait. Don't let this opportunity. pass you. You guys are starting off my. week with something special. $1,330.15. $1,350 credit limit.

Okay. All that purchasing is definitely. helping us to be clear. Uh the balance. went up even though you paid a payment. Oh my gosh. You did the rent thing on. here. Yeah. Do you even know she's doing this? I do. And you're okay with this? Do you have. any understanding of it? I do understand it. She's just trying to. get away from getting overdrafted in the. debt and. but you know you are losing more money. with these fees and interest, right? To. be clear, you are not saving $35 or $45, whatever you said it was. Mhm. You are losing you are losing more.

I agree. Losing more than what you're trying to. save. Absolutely. And then what's this? Airron. Um that's for our AC. It's like um for. It's like a subscription for our AC. subscription for AC. Well, they go and they fix everything. They fix everything for free. How often? Um, well, ours have in the four years. that we've been there, it's went out. maybe like four times. It's only four years, but the house is. warranty. Cheap. Well, that's that's who that's who it. it's from. The warranty was only a year,

I believe. Um, but yeah, they. the unit's that. Yeah, it's it's bad. The the house is. just bad. Did you buy the unit or did was it new. when you got the house? It was new when. we got it's a new build everything. Um so I feel like we do need that. for that price of the new build. um something had went out and they were. trying to charge us $700. and then they said well if you get the. subscription or the whatever the monthly. subscription it will pay for it because. it's covered under what they cover.

But anyways I I canceled it so I'll just. restart when something goes out. 28.99% interest on this card. interest. this year so far? $236. Yep. Oh, $35 of fees. We've had either. late payments or Yeah, we've had a late. payment this year. We've had to. I [snorts] don't remember. Well, you have. Most likely. Yeah, if it's 35. Yeah. Yeah. Okay. Walmart card. I don't know if I.

have enough lines in this notebook for. this episode. Yeah, that one was. recently spent on. $35.25. with a $28 minimum payment. I didn't. even get the minimum on the last one. I feel like that one might be paid off. as well. The minimum monthly on the last one is. 46. So, you're saying the Walmart's paid. off? Yeah, this one looks like it. normally is. Is it this time? I feel like it I feel like it is cuz I. only spent on it once. Yeah, we went to Walmart. Now, what was.

this? Um, it was costumes and then just. like essentials. Halloween's in like a month or Yeah, like a month. In a month. Yeah, it was just for the kids, not for. us. Why did we get Halloween costumes on. September 3rd? Just to have them in advance. in case someone moves up Halloween. No, we're they're for Halloween. I just. bought them in advance. Uh-huh. Yeah. Preparation. Yeah, we don't have any. money. Maybe we're doing the whole sheet.

with the holes in it type thing. like the ghost. Okay. American Express gold. You said. you spend on the gold, right? Is that. right? Spend on that one like every day. Oh, yeah. Spend on. Okay. So, I know I have a balance on. that one, but if we spend $40, I add $40. first and then I spend the $40. I swear. Nope. You sent more than you put towards. it. For real? For real. How much? Well, in the pay in full, you. put 260 towards it, but spent 295. But.

the pay over time, you put a balance. The pay over time, you put a little. extra towards it, more than you spent. Yeah, I I usually. But that doesn't matter because the. interest was over. It's like 120, right? 120 for that portion. Yes. Yeah, it's usually 120 a month. I I pay. attention to that one a lot. Um. Okay. Okay, it looks like you pay your. you're pay in full off before interest. acrews there. But your pay over time, what's the point of the pay over time if. it's acrewing interest? Paying overtime. only makes sense if it's like 0%. So, I.

really don't understand. Yeah, I I think I just we just use that. one every day. Like I I genuinely use. that as my debit card and it sucks cuz. it has a balance cuz it's a charge what. is it like called a charge card. where it doesn't have a limit. Um Target Uber Eats. I canceled that. I canceled that. I. swear. I don't give a you just spent on. it. Well, cuz they give you $10 of. I don't give a It was $33. Stop with the. excuses and justifications. And the Targets the the back to school.

Holiday Orlando. Um Oh. Oh. no. So that's a time share. Oh my gosh. You guys have done. everything. Is there a payday loan in. here? No. Have you ever taken out a payday loan? No. So you've done everything but one thing. A time share. You guys are in a time. share. I didn't even think people our. age did time shares. It it just it sucks cuz it's like it. made sense at the time because it's like. how. because I just like picture us like. traveling and being able to like be with.

our family and. and is the time share very good at. moving everywhere you want to go. I mean it's pretty good. We we. everywhere. and they gave us like four trips for. free too. So it made sense. What is four. trips for free. for like flight hotel? We can use them. in. 2 years. In 2 years, we haven't used any. of them. We're not using them anytime. soon, but it just made sense at the time. When will this be paid off? And then. it's only maintenance fees forever. I sent that. I sent that. But we just.

got it in March, so we recently got it. Yeah. But that's that's that. You guys want to pass this down? My. producers are saying you want to pass. down your time to kids. It's for It's. for three lifetime. but you know it's maintenance fees. forever. Yeah. I think it's $50 a month. I mean. not a month a year. I'm sorry. A year. Oh, we'll see. I want to look at this. I sent I sent it though. I want to look at this. The doc was corrupted.

Okay. I might have you pull it up. Okay. Okay. So, time share, which by the way, it doesn't even matter. We're putting on. a credit card that's acrewing interest. anyway. So it's like what the Amazon. Amazon Amazon Amazon Foot Locker. Why do. you guys think you're allowed to travel? You're not allowed to travel. You don't. have any money. You can't afford to take. care of your own kids. You're not. allowed to travel. Smoothie King. Stopping in getting some BS. Amazon. Maple Street Biscuit. Crispy Cream. You. guys across every card throughout here. You're easily spending on food twice a. day. That's our biggest issue. Well, um, so I I put it in the notes,

but my nephews, my nephew uses on that card as well. Your nephew? No, he paid that crispy cream. So it's. not ours. But. I don't give a the make the off. Get him off. Oh, he pays it. No, I don't care. We can't We can't have. any accidental thing. What if he decides. not to one day? You guys can't even pay. your own. So, I don't care. It's done. He's off. He can get his own credit. card. Okay. Your cousin. And not in the normal Texas. way. Get him off of this. Oh, yeah. See,

salt grass. I've said that before, though. Stopping at a thing. Getting some BS. Stopping at a thing. Getting some BS. That's my nephew. Bobati. I don't give a Get him off. Okay. [sighs]. I say Teira again. Taria. Takaria. Get it gone. That's his. student. And by the way, I've also. had the conversation with her to get him. off. So. cut that because that's his school.

Bleep the word. Yeah. Best Buy. The Best Buy. Stop it and getting some BS. cheesecake. factory, stop having a bookstore at college, raising canes, uh spending things at the college all. the time. Wait, so are you in college. right now? No, those are my nephew's purchases. So, it's your nephew's college? Yeah. Like, get him off this car. Why Why would your. nephew be on a card? He just wanted it. I We We tried to tell. him to not get it, but he wanted it. He.

just likes the way it looks. I don't. know. Hey guys, I'd like a $200 steak. You getting it for me? No. No. Okay, tell him the same thing then. Yeah, I don't care who if he wants it. Oh, good. We went to Padre Island. and Ocean Treasures and Dillards and. Dillards and. that's his stop at the school. Stopping. at the school and stopping at the. school.

They're not up. That's all his. They're not out. I'm. just thinking any of the money that is. just acrewing interest. Imagine that. being like in your brokerage, like if I. put it in my mumu account right now, now. this is investing in the S&P 500. You. guys would be set for life. You have no. idea what you're throwing away right. now. And that's what kills me the most. is people just don't even know what. they're throwing away. Chase Auto, at. least we're getting away from their. credit cards. Hold on. Wait, I didn't. write the balance. Okay, hold on.

uh 477964. with $118 of interest acrewing on a. monthly basis with a payment a minimum. monthly payover time payment of what? Of. what? Of what? I don't know what the. payover time minimum monthly is. I don't think there is one. Oh, this is pay whenever. Yeah, this one acrew interest forever. Okay, what is this card? Chase Auto. What is it? What do we have?

Um, a Camry XS SE. year. Uh, 2020. Better have a great interest rate then. It's average. If you got it in. 2020, right before the house. What's an average interest rate? I can't. see. It's. like a 5.3. Uhhuh. Okay. It's not the worst. The depreciation and everything is. definitely bad. Yeah, we should pay it off by next year, but I am planning on paying. because you actually have equity in this. car. You actually evacuated this car. Pass.

two. NO, I PASS TWO. UM, we're past due. When is that? Oh, um, it's a quality statement. I don't. know why. It's hard to read, but you're. past due. Uh, $573 is the minimum monthly payment. You were past due. And I don't even get. you've made it up. You were past due at. the time of this. So, it's we're we're. past due people. I think they put. you guys are collecting every Infinity. Stone of getting.

I think they put that behind the the. You put it at the end. Yeah. You know, this is giving more time for. interest to crew. How many times have. you done that? I've only This is my second time. I did. it during co and but I can't do it. anymore. Like I don't want to. but yeah, that one was put behind. I want to give you free money right now. I partnered with different resources. that will literally give you hundreds of. dollars the moment you sign up for them. Check out my investing app of choice, Mumu, where they give you up to 15 free. stocks and 8.1% interest on your.

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use based on that. All of this free. money is linked in the resources section. of the description below. So, don't pass. up the free money cuz I'll punch you. You got to stop. Mhm. You got to stop with this madness, dude. Did you know? I didn't know. What do you think? All I knew is that we were about to pay. it off. You know, this is extending your. payment, which is allowing interest to. crew longer. What do you think? Think something got to change. [laughter] Something's got to change. [snorts]. Scholar.

Okay. That's the best news we heard so far. Yeah, that one's I think paid by next. year. You have a $4,000 equity position in. this car. I don't think so. But. Huh. Well, we recently got hit like somebody. hit us and ran. Was that calculated into it? I don't. know if that's correct, Jake. I'm sorry. Was that calculated into it? The hit. them getting in a car crash. I put it as poor condition.

You have It's worth $4,000 more than you. owe. on KBB. And usually they're pretty. conservative, too. I I had thought it was worse cuz we have. like a I used to use it for work and it. has like a 100,000 miles. Did we do the miles? Yeah, we did everything. We got your. info that you gave us. Okay. And it's 4,000 more. Okay. [sighs]. Okay. So, you owe 11,895.

Passed due. I can't believe you're doing. it. Have you uh the accident? Has it been. It was reported, but they left. So, cuz. I was in. But is it like is it just. looks? It's the bumper. Uh-huh. Have you fixed it? No. You could fix a bumper before selling. it, though. Yeah. They try to quote us like a. thousand, so I just It's our daily, so I. don't really care what it looks like. Yeah. But you do have an equity. position, which I like to see. Okay. Okay, that's good.

This is technically your card. And I. thought, okay, we're going to see. spending from him. But you're saying you. spend on his card? You are an addict of spending. I'm a saver. Yeah, he is a saver. No, not there's no savings to speak of. What are you talking about saver? What. money are you saving? No, she's not. yours. She's spending it all and you're. allowing it. You're going to dinner with. her, right? You're a saver. You're not a. saver. You haven't saved the thing in. your life. I tried to save. No, you didn't. If you try to save, there'd be savings. I don't want to hear. that. That's going to be delusion that's. going to hold you back for the rest of. your life. Amazon Chase card.

and we owe 5,000. Oh, we did it again. $5,196.50. Credit limit of 5,100. We're over. We're. over. How do we do this? We're addicted. to over. Mhm. I So, that one turned off turned as a it. not a balance transfer cuz I'm I'm not. We've never done a balance transfer, but. we had a um which again a bad decision,

but a good decision in my opinion. So, we had a um what is it called for the. water. water softener? The water softener for the entire house. bathe in in dry water. Well, we don't buy water bottles. at all. Can you not drink nons soft water. bottles? It was nasty cuz we live on the. outskirts of San Antonio. I get a water filter. Well, it is for the whole house. Okay. So, anyways, that's that's what that's. on that card. So, that's.

what is water softener. Yeah, like that. That's how. you didn't need a water softener. Well, I didn't know that at the time. Well, I mean it. Yeah, like it saved us a lot of money. Water can be obnoxious. Yeah, it it's it. was really nasty, but that's how that. card started. It's not how it ended, but that's how. you spent $165 on it. So, I don't even. know talking about. cuz it's a big balance. $185 minimum payment. Oh boy, guys.

$11927. of interesting over the credit limit. Amazon. Amazon. Amazon. Amazon. Waterburger. [clears throat] Amazon. Amazon. Oh, I have your Amazon spending. at the later half of this. We'll go over. that then. What you got? I just I don't know why you would do. this to yourself. $459 of interest AC. $28 fee this year. You've had a late. payment on this, too. Pass on the card. Pass on credit cards. I You know, the. other ones I bet the other ones have had. past dues at some point in fees this.

year so far. I just haven't I didn't. look. I didn't look. Damn it, guys. Literally, legitimately 50 minutes into. this, I do not think we're halfway. through. Doesn't look like it. No. You. single-handedly responsible for. destroying the rainforest. Oh, with the paper. [snorts]. That Yep. That too. Cooks.

$882.31. This one's not always paid off. Nope. Interest recurring $38.28. $15 for purchases. $48 minimum monthly. payment. $47. Sorry. The am I getting PayPal? PayPal. What on. PayPal? What PayPal? A subscription. No more subscriptions. You don't get to. subscribe. Is it $8? $15.74. It's a subscription. We don't get subscriptions. You don't.

have subscriptions. You can't afford. subscriptions. There's no subscription. in your life other than subscribing and. trying to just survive. That's the only thing. You don't have subscriptions. That's. canceled. That's done. No more. subscriptions. Oh, guys, I wish I looked. for the other I wish I looked for the. other cards. I'm upset that I only. started looking now. Two two pass due or. late fees this year so far on this card. two double double two.

$31189. in interest this so far. What what how. many thousands of dollars now have we. stacked up to in interest this year. Throw your car on top of that. City. double cash. I love city double cash. City double cash is great. Uh not for. you. It's double double penetration. [sighs and gasps]. Oh, we are over the c. No, we Yeah, we're doing it again. We're over the. credit limit again. $1,57.35.

with interest. [snorts]. $40.61. minimum payment $62.96. $36 purchases were purchasing a card. that were over the limit and it's. acrewing interest. [snorts]. Oh, this is a this is a tough episode to. make it through, guys. Amazon. It's It's. for It's for Amazon. Great. Wonderful. Thrilled. Thrilled. Couldn't Couldn't be.

happier. Couldn't be more late fees. There's been late fees this year. There's been late fees. There's been. late fees. Have you known? Have you. known that there's been this many late. fees? You guys aren't even paying your. damn bills. Interesting. this year so far. 246 hours. script. Okay, wonderful. I'm just going to. Which one is that? I don't know. What am I looking at? That's the the time share. Huh? That's the time share. Your time share has an interest rate of.

13%. Mhm. Even if it wasn't a time share, it's a. interest rate. Mhm. And then you incorporate that. The fact. that it's a time share, it's almost. impossible to get out. Yeah. I didn't know y'all had that one. Well, I sent it, but that was encrypted. Yeah, that's that's that one. What time share even is it? The company. It's called Ascendant Holidays.

Okay. I don't know it. Balance before maintenance fees. $7,41020. Minimum payment before maintenance fees. Mhm. It should say. $13748. This is the loan, dude. This isn't the. This isn't your No, there's no. maintenance fees, isn't it? At the bottom, it says. maintenance fees. Nope. Oh, this is your maintenance fee. summary, but I'm just talking about the. loan. Oh, okay.

And Yep. It's at a 12.9%. interest rate. And the fees haven't. kicked in yet. So, you're not once the. maintenance fees kick in, that's where. you're going to get boned. So, you don't even know what they are. Speaking of traveling, you have some. travel book card. that's from the. company. The company. Yeah. Guys, [snorts].

maybe I just need to give up all of my. morals. and just be in the business of giving. people like 50% loans cuz apparently. there's people out there like you. If I. just ask you if you want it, you'll take. it cuz you'll take out any any debt that. is presented. [sighs]. Okay. Worldwide vacation travel. Mhm. Okie dos with a $5,99343.

Congratulations, guys. You're uh $6.76. Nope, I didn't do that right. But just. about six bucks. Mhm. and 507 cents. under the credit line. Really proud with. a $29 minimum monthly payment. Oh, good. We're purchasing We're purchasing on a. time share credit card.

PayPal 288 bucks. The same thing. The. what? The the trick that I. This is the trick still. your special. little trick where you get. with $107 in interest. Are you still convinced that you save. money doing this trick? No. Okay, good. Glad. By the way, it takes 20 years to pay off. minimum monthly payment. 20 years. be in your 40s.

$49 in interest on this card so far. That's already. Oh no. Wait, wait, wait, wait, wait, wait, wait, wait, wait. Okay, so to be clear, 4,281 on the normal card and you're. getting interested from that. Did you. guys know you also are on a second plan. on this card? That was the without interest. Oh, how does that work? Can you tell me? Um, yeah. Give me a little sneak peek on how that. works. You have um interest. you don't have.

interest for 6 months and then after the. 6 months you get charged the interest. that's still on that balance. And were you going to pay that off after. 6 months? Um I think that would be October. Yeah, that's in about two weeks. July, August, September. But they said. that we can extend that. They said that they would extend it cuz. it was. in what way? Extend in what way? Like they'll give us like six more. months or 12 more months. Yeah, but they'll probably add there's. going to be a catch. There's going to be. some catch. They don't cuz you have to. pay this off in two weeks or.

your new uh By the way, the balance you. have to pay off in two weeks is $1,712. And if you don't, you get added $221.91. Is it deferred. in back interest? Yes. Deferred. Yes. You've done that. Mhm. Oh, okay. I'm just going to just keep. digging into this. Not even halfway through it. Mm-m. You know, honestly,

that's the first time where I'm almost. like I almost understand you guys not. going through your finances. cuz this is insane. It's a lot. Yeah, we've had the most insane situation. that's ever been on the show multiple. times and they've all been true. And honestly, that's going to be this. again cuz apparently it's a competition. Some people, everyone's one up in each. other. Did you guys even know it was. this bad? Like, as bad as I am telling. you, as in as in as in this might be the.

worst I've ever seen on the show, did. you guys know it was going to be that. bad? I I felt like it was that bad. Two years of three episodes a week. I felt like it was that bad. Okay. TJX, whatever. Is that TJ Maxx? Yeah. Oh, great. That was like Christmas presents last. year. You don't get to give Christmas. presents. You really don't. You can. afford it. $7748, $27 monthly payment.

Purchases, [sighs and gasps] of course. What would it be without purchases? Barely under the credit limit. Great. Takes four years to pay off doing uh. minimum monthly payments, which you guys. are doing. You're also spending on it, so it takes longer to do that. [sighs and gasps]. Hold on. What did we spend? Where was. it? Where are you? Where are you? You little. [snorts] Oh, there was no there was no.

payment. There was no purchase. It was. just the interest. I I was stupid. Okay. $131 in interest this year so far. 32.24% interest rate. Target card. Every store that exists, you have a card for. Okie dos with barely under the credit. limit here. So, no progress has been. made to be very clear. Not a single cent. of progress. $1,355.25.

with a $32.95. of interest. Eight years to pay off. 28.15%. interest rate. $248.52. of interest this year so far. Many. thousands in interest. A synchrony card. Rooms to go. Seriously, every door, guys. That was our furniture. Yeah, but that. one doesn't have interest. I know that. one for sure.

No interest uh acrewing right now. We don't have um We have until next. year. $105 minimum monthly payment. Balance. $1,77.73. I'm about to go onto a second page. I've. never had to do that before, I don't. think. probably get the three. Yeah. Yeah. The percentage rate when it kicks in is. 34.99. I've never even seen that. If we make the minimum monthly, it'll be. paid off by December, and that's when.

the. promotion ends. Oh, some of them are extended even. further. You know, you have minimum. monthly payments on some of these until. 2027. You're going to be paying off. furniture in 2027. Mhm. That's We want to have debt until 2027. All right. Navy Federal Card. $1,467.65. The $36.90. minimum monthly payment. Okay. Just under the credit limit.

$21.90 of interest. 10 years to pay off. doing what you're doing. 18% interest. Fees. We've had a late payment this. year. Yeah, that one I for sure had. $180 of. interest. Yeah, cuz they don't have automatic. payments. I don't know why. Cancel it, close it, kill it. I don't. give a. Yeah. Moving on to the next page in my little. special book. I'm getting like a sweaty ass. We've. been here so long. Discover.

it. Oh, I have something to talk about on. that one. Wait, which one is that? Is that his? Yeah. So, we recently got on a plan. We. can't use it, which I want to close it. anyway, but um the interest was what, like 28%. I don't know if you could see it. Um but. they actually lowered it for a year and. then they lowered the monthly payment, too. So, I had called them. Oh my gosh, you're over the credit. limit. Well, because they they charge a lot of. interest. I know, but your minimum monthly.

payments, they care. It it it was like not even enough. Like. the minimum monthly payments aren't. enough if you're not putting anything. extra. I don't think I was. or fees then you weren't putting enough. towards it. You weren't doing the full. minimum. 29 years to pay off this card. Yeah. So, so we recently got on that. program. Okay. But it still probably takes just. as long. I think it'll be a little bit less, but. yeah. Okay. Maybe it's 20 years instead of 29. Yeah. Yeah. So, they lowered the interest rate. and then they lowered the monthly as. well. What's your new monthly? Um 140.

Oh my gosh. A credit one. Another credit one. Mhm. Guys, you're just under the limit again. We're either at it, over it, or just. under. $30 minimum monthly. Luckily, no. spending. $825 of fees. That's credit. one for you. It's constant fees forever. Then $1144. $74 of fees this year so far. And. $85.70. That company's making so much.

money, let me tell you. Why Why do you say that one's like the. worst one? Like just. look at the fees. You're getting fees on. a monthly basis even though you're not. missing anything. It's just to have the. card. People open like. you never really see someone with one. credit one. They always have. [clears throat] like two or three or. four million. All right. Quicksilver. $1,276.14. with a $49 minimum payment. $331 of. interest. 11 years to pay off doing it. the way you're doing it. 29.96%.

interest rate. Oh my Oh MY THERE'S BEEN ONE or two. missed payments on this card this year. We're addicted to missed payments. $259 of interest acured this year so. far. You know, I don't even want to continue this. This. is crazy. But actually, you guys are. very pleasant people. So, I am going to. for you cuz I like you guys. But this is. insane. No, of course. I just want to go lay in.

my office. This is insane. I think. Are. we halfway through now? It doesn't look like it. Oh my gosh. Still see like 30 40. It's been an hour. Best Buy, guys. Everyone give love for Salah. He's. the one who's throwing all the numbers. and graphics up on screen and he has a. lot of them for this episode. $33869. That one's on a promotion as well. with a $29 payment.

Just under the credit, but it's deferred. interest. I'll pay it. I swear. Usually I'll I'll. pay that one. Okay. Well, I usually pay all of them, but. we will pay it by when? Is it March? It is. Yeah, I'll pay that one. Fees. We've had a late payment, guys. We'll pay this one, but we've had a late. payment. That one was waved. They they like gave. it back to me. Uh, one may have been waved, but there's. still I don't know cuz if it's waved, they would have taken it away. It would. have taken away from here. I'm pretty.

sure. it was recent. Yeah. But. how recent? It was like last month. Oh my gosh. This is as of last month. We're still adding late. Yeah. But that one. and then interest of course you still. had $4.30 of interest acured this year. so far. Yeah. They get that one back. Deferred 5165. Sam Samsung financing. I've never even. seen that. Yeah. You guys are ground. That one I bought. my sister a watch. Huh? I bought my sister a watch.

What kind of watch? Like a Samsung watch, I guess. I don't. know. She's like an Android user, so. E. Stop it. [laughter]. But yeah, that's And that one's um the. promotion, too. And I will pay that one. off before it's next year. That's what you say. Next year of 2012. That's what you say. But I've seen late. fees, girl. This one. Hey, this one's [screaming]. Hey, I'll pay this off by then. I pretty. promise. But guys, IT WAS MY BUT GUYS,

IT WAS MY BIRTHDAY MONTH, SO I HAVE TO. GO SPEND THREE TIMES what we make. It was It was It's If I do the minimum. payment, it'll be paid off by December. Guess what? You missed minimum monthly. payments every second of your life. Not on this one. I don't want to hear it. It applied to like six of the cards we. looked at. Seven of the cards we've. looked at. SO, ALL IT TAKES is it'll. apply to this one one day. You just. won't have enough in your checking. account. You'll do your fancy little. thing. Was our birthday month. Mhm. My tummy is grumbling. We've been here a.

year. We're going to be here another. year. And you say you're going to pay. this off by the time the deferred. interest hits. We'll see. I'll come back next year. Do it on the followup channel. $234.88. 88. with a $1468. thing. just hit me. It's kind of cool that I. get to be a YouTuber for a living. That's kind of weird. I just called out. another channel for people to watch. Which one? Like the followup channel that hopefully.

you're on. But that's. that's cool. Like that's weird that you get to be. paid for this thing. And they're both your channels. That's so cool. That's so random. That's. so [cough]. I'm dying. I'm seeing the like a little happiness. I think that you get a little glimmer of. happiness before you go. And I think that's what's happening. right now. Entire life. [sighs]. $14.68 in crewing. Okay. Yep.

Penfed credit union. Mhm. Oh, this is a big balance. Yeah, they were getting smaller for a bit, but. we're back. Penfed. And you're a fed, aren't you? Stop it. All right, listen up. If you've been. following Financial Audit, you already. know how serious I am about getting your. finances in order. And that's why I'm. pumped to tell you about something I'm. actually using, domain money. Specifically, they're flat fee CFPs. No.

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domain.com/caleb. to book your first free session. That's. domain.com/caleb. No fluff, no hidden fees, just real. expert advice to get your financial life. in order. Go check it out. $3,500. You're at the credit limit. Mhm. [laughter]. Oh, wait. Sorry, sorry, sorry, sorry, sorry, sorry. Your balance is. $3,375.33. Did you get that book on Amazon?

What book? That book? What book? The book you're writing in. Yeah. I It looked familiar. Yeah. Don't open up the Amazon app. Okay. Minimum monthly payment 68 bucks. Okay. Interest 10 bucks 42. 17.99%. interest. some of these things. Okay. Well, is. this new cuz it just started acrewing. interest. Maybe it's period end of like 0%. Not too sure. I don't think so.

Again, you not even knowing brings me. zero confidence that all these deferred. interest ones you're going to take care. of by the time they're done. It's going. to be the month of and it's going to be. like, "Whoops. Uh-oh. Apparently, I. missed a payment a couple months ago, and now we're about to get. [snorts] Navy Federal Credit. another Fed. $1,442. Minimum monthly 3651, $21 of interest, $10 to pay off.

My producer say we've crossed the. Tony. basically at the credit limit. No. surprise. It's kind of what you guys do. $173 of interest acred this year so far. Another Discover it. Oh my gosh. Guys, that one's mine. Yeah. And that that. one's on the same promotion. Like I have like a it's either 6 months. to a year and they're charging 9.99%. interest. But Discover I' I've been trying to call.

them like everybody and Discover is like. the only one that's really like wanting. to help, I guess. But that one's on the. same promotion. Listen, there are some good companies out there, there are some good companies out there. Like again, we work with we we we. partner with a bunch of people to like. help in certain areas depending on. people's situation. We have the relief. app which will kind of do what you're. trying to do with this but with all your. debts.

and I recommend them for most people but. with you guys you almost use these. negotiations as a way where it's okay to. spend more money in other places which I. I I would I recommend them to most. guests I wouldn't recommend them to you. it it was re like we don't spend on. I wouldn't recommend it to you. Yeah. You have a balance of $2,880.77, $24.64. interest acred. And yes, it's at that. 9.99%.

and it's and it takes 11 years to pay. off. Mhm. City preferred card. I almost. um my energy is like running low. I. almost might also. pay for you guys to sit down with a. financial advisor at Domain Money. That's our financial advisor service. that we work with. to have them just sort through all this. for you guys. Yeah, I'm going to give my thoughts on it by.

the end, but. I think you're going to need to sit down. with someone our two hours or whatever. that we're doing today. I don't think. that's actually usually it's enough for. someone's situation here. I don't think. it's enough time for you guys. Like. it's going to be well what is it going. to be like five by the time we're done. [gasps and sighs]. And um I want you to sit down with like. real financial advisor. So we might set. that up. I mean we're we're willing like we. already have our house, we have our car.

Like we really don't need anything else. like creditwise. $715.33. of interest uh of a balance on here. just under the credit limit [laughter]. and $1822. is Oh, that's the interest. The minimum. payment is 35. We've had a late fee this year. [screaming]. Interest $118.76.

Ah, custom cash from city. You're. addicted to city. $2,710.32. with a $92. 67 cent minimum monthly payment. I don't. know how you guys are add uh recording. these at this point. All stacking up. Can someone back there start adding up. all of their minimum monthly payments. outside of their mortgage for me? Because this is going to take a long. time. Um. $6567.

of interest occurring. We've had two to three mispayments this. year so far on here. You are. It doesn't make sense that you were in. charge of finances in any way. [snorts] And then you don't know your. numbers at all. So it wouldn't have made. sense for you to be in charge. But I. wish we were talking cuz I think we. could at least counterbalance each other. and be like, "Oh, maybe we shouldn't be. spending money when we can't make our. payments.

[snorts and applause]. Then $564 of interest acured this year. so far. This is another city card. I'm going to. blow this place up. Chase Inc. an unexpected player has entered Chase. Inc. $3144.84. with a minimum monthly payment of $97. $66.19. is acrewing. You guys still having fun? Cuz I want to. kill myself. $191.72.

of interest this year so far down there. Best Buy. You both have a Best Buy then. Mhm. Jeez, for sake. You guys like apply. together? Is that your version of dates? Is that your version of intercourse is. let's apply your cigarette after is. applying for a debt. No. My cigarette after ice cream. I crave. ice cream. Do you like sandwiches after sandwiches? No. No. I was just asking. No clue. Sandwiches after. Nah.

Hey, you know what to do, man. That's not it. He likes candy after. Yeah, sweets. Sweets. That's where I'm at. $1,452.19. I also like to be left the alone, but no. one ever respects that part. $47 is your. minimum payment. Uh fees. Fees. We're. having fees. What's the fee? What's the. fee? A fee this month. This month. This.

isn't even one that happened this year. No, that one. That one was the one that. was put back. I thought it was the. other. OH, SO THE OTHER ONE WASN'T PUT BACK. NO, THAT one is. Oh, come on. $29 of fees and $261 of. interest. 30.49% interest. Doesn't even matter if. this fee cuz you've had more fees this. year so far anyway. $13.35. of interest this year so far. Oh, $191 of deferred interest. When is.

this and when do you have to pay this. off by? Mhm. Oh, multiple deferred interest. [gasps]. Two deferred interest. When do you have. to do it? Is one May. One. When's the other? February. You would have it up. Next year. Yeah. Apple for me. 2,500. numbers don't even look like numbers. anymore. $2,5562.

[snorts]. $85 minimum monthly payment, [snorts]. $5928. of interest this month. This year, $45,924. and a 27.24 24% interest rate. Okay. Mhm. The even is this? Why is there overdue. interest? Overdue.

What is this? Cash up. Cash up. What? Borrow. Do you still owe this? I don't think so. I think I paid that. one off. You promise? No, I don't promise. Oh, but No, I think that one's supposed to. be due October 2nd. So, that one's. close. Oh, the whole thing. Yeah. Is that all at once? I I don't pay it like weekly. I just pay. it off. 175. [snorts].

Foot locker. Oh, shoes. We didn't have. Yeah, my shoes. Yep. 64.95. So, your minimum monthly. Nope. That's. your bim monthly. Your minimum fee isund. every two week 20. Let me get the exact number. [snorts]. Yeah, it's $129.

foot locker. $259.80. is the whole thing. Bi-weekly as well. Yes. Mhm. Gym Shark. What the is a Gym Shark? Oh, that's close. But. but. who's going to the gym? I am. Who's fresh in the gym? So, I am. But. congratulations. I'm going to return those. Since when? Oh, you gave up. No, I'm returning them like for my money. back. Did you give up on the gym?

No, I just have clothes. You down any poundage? Yes. And I think I think I Thank you. And I think it wasn't making sense to. buy clothes right now. Sandwiches after not going to keep the. pounds [laughter] off. Yeah. So, I'm returning those. I already. did the little. Then I'm not going to put it on the. Okay. What is this? Uh Credit Karma. What am I looking at? Oh. Oh, hold on. What? Open derogatory. Ah. Oh, no. No. T-Mobile. No, wait. T-Mobile like collections. Wait, pause. Pause. Pausing. So, that one was That one was 4 years.

ago. Okay. But they keep like putting it on my. credit. Yeah. No, it was 4 years ago. But I don't want to pay that one. Why? It was it was like that one. It was like some family stuff and I know. they fall off after seven years. Guess what? Guess what? Guess what? You. still owe it. Okay. Whether or not it's. family stuff. So, I I have tried to call to see if. they'll lower it and they gave me half. off, but I just don't know if it makes. sense to pay it off if it's going to. fall off in 3 years.

So, I did want to ask you about that. one. That's not my top concern out of all. these things. It's not. You should pay it as an adult, but this. is stacking up so. much. They keep taking So, that one. shows 2024, but it wasn't. It was 4. years ago. O, $900. I did not know I was showing up. to this when I showed up to work today. 591 credit score. So, round it up.

Lake View. Lake View. What? Oh, mortgage. Oh, we made it to the. mortgage. means we're almost done with. the debt. Holy. house. How much is the house valued at. right now? $315. You think so? Yeah. $213 andund. uh uh $213,000$166. and 14. I'm saying that weird. I'm. losing my mind. And monthly payment.

1581. 158163. and that one's going to be lowered next. year. 158063. as well. Okay. Cuz a homestead. I didn't know about the. homestead. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Let's see what we got. We got a like a. little camera thing. We got some tape. We got a fitness tracker. Some vitamins. Some flee and tick shampoo. Becoming a. supernatural book. [laughter]. Yeah, it's a book.

It's a book. Yeah. No, the other book. Are you capable of reading if you're. buying a book like that? Yes, but look at the other one. Uh, Life of Game, Game of Life. Uh, oh, Dave Ramsey. Well, the other. ones don't any sense with that. Yeah. [sighs]. Cream of nature. Oh, that's your hair stuff. It's for his. hair. Okay. [snorts]. He made that sound so nasty, dude. I just literally read the name of. it. Uh, some Jay earrings. Are you even. wearing them?

They're not earrings. Return them. They're not earrings. I don't care what they are. Return them. Burn them. I already I'm already wearing them. Jump rope. You're paying for a gem. Yeah, they don't have a jump rope. You're paying for a gem. Return the jump. rope. The miracle journal. Okay. There's. none happening in your life. [sighs and gasps] Air filters. Yeah, that's valid. The 44 laws of piece. What. are we doing? Why are we buying so many? Yeah, you are not reading a book a week. I've been reading a lot though. Not a book a week. No. Okay. Also, go to the library.

Okay. We don't have a librarian. Evicted property and profit. What are. you reading? [laughter]. Okay. So, I'm reading it because I I WAS. LOOKING UP. WAIT, I have a I have a response. I have a response. So, I'm trying to. obviously get out of the mess that I've. made and I'm just trying to read books. on this situation. This is going to get. you into some 0% down real estate crap. or something. I don't know. I haven't read it.

I'm not surprised. You have a thousand. billion bucks a month. Yeah, that's it. There's no more debts. Yay. [screaming]. Oh, an hour and 25 minutes. Okay. kind of mind blown a little bit. I. think. Oh, we've got one more. What? What? What? What? What?

Oh, no. There's not another death. They're just. me. Oh, I'm sorry. $22 is our balance in our checking. account. So, I don't know how we're. surviving. Overdraft. I told you they were bad. You absolute. I've never seen $681 of overdrafts in in.

in a year. In a year. You you And it's. not that they suck. It's not that they. suck. You're spending half of your. income on fun. It's not that they suck. It's not that they suck. They don't do. it to you. You did it to yourself. THEY. DIDN'T. HUH? I said I didn't. I need a juice box. $681. of overdraft in a single year.

It's unheard of. $7086. in overdraft this month alone. And mind. you, mind you, this is well on all those. other cards doing this thing where we're. transferring money from credit cards and. off credit cards so we can avoid. overdraft fees. So it would probably be. double. It would probably be double. It. would probably be double. I wore this nice little shirt to have a.

nice day. A nice good day. It is a nice shirt. All right, guys. I get it. You need more. financial audit. So, we've decided now. in our membership below, you get two. exclusive seen nowhere else uncensored. financial audits. Oh, good. No way. Your. couch hopping places I like stay at for. the job. You're relying on bookings for a place. to live. Yeah. Also, three post shows a week for every. financial audit you're seeing right here.

on YouTube. In the post show, we have an. extra 20 minutes for every single. episode where we go into more drama that. we didn't uncover in [music] the. original episode. We can't find you on. Facebook. Did you block me on Facebook? No. No way. And then included in the membership. every Tuesday, we have a member live. stream where you come in, you hang out. with us, we answer your questions, and. the whole crew gets together, we play. games, we mess around, and we chat with. you. I have a pair of salmon shorts on.

that desk ready to change into right. after this. So you dress like smoking for the first. time when you go on a date [laughter]. party. Then there's always extra bonus things. like for example an office tour. The. team grew. We have to eat out of here. now. So this was going to be the fun. area. Now it's not. We upload hours and. hours and hours of extra content just. for you. and it helps support the growth. of this channel and the growth of this. business. Join the membership link in.

the description below. I like your shirt, but you ruined it with your overdraft. fees. I know. I'm sorry. [snorts]. Hey. Oh, don't do this. Look at the We're. overdrafting $700 a year and all these. lines are purchases. You don't. have an excuse to overdo this. [screaming].

For sake, we actually have juice. boxes at this office. Wow. [sighs]. I'm sure this is way too calorically. dense for what I am trying to achieve in. life. Who would like a juice box? You had some over there. I appreciate. it. Going in getting some BS. Cash apping. out Amazon Wendy's Dropolis Cash apping. out Amazon.

Marks Outing TJ Maxx Journeys cash app. out PayPal affirm WE'RE A FARMING UBER. EATS somehow we think we can afford Uber. Eats when we have $700 in overdrafts in. one year Uber one cash app Uber Eats. Apple cash out Amazon Kindle Cash Apps. Zel, Amazon, Cash App, AMAZON, BATH &. BODY Works. H,

Bath & Body Works, ULTA. THOUGHT WE WERE. DONE WITH ULTA. I thought we decided we. were done with Ala. Apparently, we're. not done with Ulta. Apple cash out. That. was your other thing. Apple cash sent. out. DENNY'S COTTAGE IRISH pub American. perfume. Apple cash sent Apple. Where's all the. Apple Cash going? Where's all the Apple. Cash going? I guess. Where's all the Apple cash going? Well, I have an Apple card. Oh, no. No. But where's the Apple Cash. going? Apple Cash that's coming in. No,

no, no. Apple cash scent. 40 100 180. Oh, that was his hair. All three. The three haircuts a week. The 180 and then the other one. You guys got me up to 90 heart rate. Do you have high blood pressure. after this conversation? Chick-fil-A, PayPal. No, actually, I checked it out. of curiosity. It was fine. That's good. But after this conversation, I don't. know. Cash App sending money out.

Church's chicken. Chipotle. Overdraft. fee. Overdraft fee. Cash app. Venmo. payment. Good. With the state, you have $255 in. retirement. I'm thrilled. I've never. been more excited in my life. As we're. basically there, he's a saver. Didn't. you know he's a saver? Well, that he. just started that job, remember? He's a saver. I'm a savior. [snorts]. And you have 2,239 in this retirement. account. I don't know. And then infidelity of 8,540. That's.

actually pretty okay. It's surprising. You're not putting. anything in more than matches, are you? I recently decreased it. And then I had another one. It was um. 5,000. It was a share works. It's investments. as well. There was like 3,000 2,000 4,000.

Guys, I've lost the budget and the. chaos. I've lost it. I saw it. I've lost it. This one? Nope. Oh, we ain't going to find it. It looks. like. you took up so much space on my. notebook. You owe me a notebook. That's why I asked where you got it. from. Remember? Total income. 6,500. Debt minimum payments not.

including the mortgage 2,918. Me car insuranceances? 100. total? Yeah. Flat. Yeah. Well, I paid it the six months, but I'm probably not going to be able to. do it this time. When is it due? December. But I I will. And how much will it be monthly? 91 a month. Yeah. Yeah. Okay. How much in gas room v room drive? 140 150. Not probably 140 together.

Oh, together. Yeah. Phone bill. 160. Switch the helium. 20 bucks a month. What are we doing? 15, isn't it? I don't. even know anymore. I. think it's 20 a month. But we owe on our. phones. Yeah. [snorts]. Okay. Once it's paid off. How much then? What was it again? 160. for five lined stone. Okay, there it is. House. Uh. 1580. 158063. And that should. utilities. Um 160 C. Um electric 110 water.

What else? Internet. 52. Gas. That's included. And what. in the electric? Oh. 322. Okay. We should be able to do groceries for. about $900 a month. Meal prepping. Meal. prepping a couple times a week. For. example, my second in command over. there, you know what disgusting thing I. learned? This is like more than I would.

suggest, but he meal preps for two weeks. at a time. He eats two dinners a month. But you can do that if you have a goal. You can do that. It's a good idea. Probably smells like refrigerator right. by that time. So 900 for groceries. We. should be able to do follow the meal. plan in the budgeting program. Tweak it to your needs. TP fund the. kids. It gets a little harder. Probably. about 200 bucks. Anything else you need. This could be sports equipment. You. know, save it one month, spend it the. next, you know, whatever you need. Co-pays do we have on?

Yeah. How much is the gym? Um it's 28, but it's paid for the next 3. months. But it's normally 28. Yeah, but I don't have to pay till. January. Okay. Well, that's going to come before. you know it. Yeah. This is a longterm thing we're dealing. with. That's including my training. My. training is covered for. any prescriptions. No. Dogs, pets. I did see a thing. How many? Pro. Uh, three. It's probably 60 a month. In what? Dog food. Fle uh well, flee and tick. No, that's more. Yeah. cheap food. [snorts].

It's probably a little bit more than. that. Actually, I'm going to put 100. And I think that's. still conservative, but. if you're doing it right, uh, I would do. pet insurance. You just can't afford it. But if one of them gets sick, I don't. know how you can afford anything. What. else needs to be in your budget? A lot. I have a list. I'm sorry. What? So, I have um a mutual fund for both. kids. That's 25 a month. Nope. I take it out. Yep. That's not it anymore. Um I pay on a plot like a funeral plot.

What? For who? For us. Like, oh, cancel it. You can restart it eventually. You're. going to live a long time statistically. Okay. Okay. Cancelled. Next. Um, my dad's. uh headstone. Is that Is he dead? Yeah. Oh, it's financed. Um, no. I just Oh, it's like 40 a month. So, so it's a debt.

Well, it's just a contract. I just have. How long? Like two years. I pay 40 a month. Okay. What else? That is Why? Why do I. wait? Why is there so much paper there? It's all my debt as well. Oh my gosh. Um. you Okay, you can take a tissue. And then life insurance. No. Okay. Not through work. No. How much is life insurance? Um 62. Okay. It's not bad. And then um HOA. Uh one second. Headstone's 20. 40.

HOA. Yeah. How much? Um 26 a month. Okay. And then trash is 26 a month. Oh, I would have put that in utilities, but that's fine. Okay, that's it. Okay. Nothing else needs to be in your. budget. No. Are you okay not doing the the I get the. headstone thing, but are you okay not. doing your own grave yet? No, cuz it's under my dad's. How much was it?

It's like 150. a month. Oh, for how long? [snorts]. I think like 5 years. Oh, okay. Let me see. Let me see what I. can do. And how far are you into that? Two. Okay. [snorts]. Yeah, it's okay. I get it. I get it. It's very hard. When did you lose your. dad? About 3 years ago. I'm sorry. That's really hard.

Sorry. Okay. Here's the reality. We've just dug. ourselves. You could do I want you to be. able to do that. And we could do that so. easily if not for the $2,918 in minimum. monthly payments on all the other loans. That's the thing. We've put ourselves in. such a bad situation that now you're not. able to do the things that matter to you. because we're prioritizing our spending.

and just having fun living life. Right? So combine everything that you need to. survive plus that plot. $6,73926. we need. Now your B bonus doesn't always. come in. So it's more $6,000 a month. plus the bonus hits. So really we need. to minimum make an extra $739.26. a month and that is someone is picking. up a part-time job somewhere. But that. makes no progress to be clear. Yeah. So let's say you make an extra,000 a. month after taxes. So 225 can go to the.

debt. The debt, not including the house, was 80,000 bucks just about. So, let's. just round this thing. That takes 320 months to pay off. or 26 and a half years. Well, he is going to get a bonus. I. mean, and bonuses are good. Well, it's an extra 101 a month. So, that's coming in October. Okay, that helps. So, we still need to. make even still I even with that, you.

know, I'm I'm I'm assuming an extra. thousand, right? And it still takes 26. and a half years to pay off. Yeah. And that's unacceptable. We can't do. that. There's no retirement. There's no. college fund. There's no mutual fund for. the kids. There's no. there's nothing there. So, what I'm. happy to do is you guys are looking for. an extra job. Uh if you guys want to. increase your resume at all when we cuz. someone's going to get a second job. One. of you is that's is flat out or you guys. are going through bankruptcy.

Which one? And bankruptcy is expensive. It costs thousands of dollars and a lot. of time and a lot of stress. Can you even do that with the mortgage? Well, no. We're going to make sure that. yes, there's defin there's variations. you can go through. You can still keep. the car. You still keep the house. I don't. But it starts getting. Yeah, it really does. It is stressful. It's. expensive. But it is an option. There's also the go make more money. option.

The most I can work is 45 with my job at. least. So I know if I do five and five. that'll bring in 300 extra. There is also again there is the uh the. relief app option we talked about. So. there's a lot of options here. You're. going to sit down with the financial. advisor. They can go over different. options. There's also the option and I. hate this option but don't pay on. anything. let it go into collections. But technically, some of these, especially some of the bigger ones, they. legally can go after you if they. actually want to and take you to court.

They can. Many don't, but they can. And. you're really rolling the dice with this. many individual debts. 1 2 3 4 5 6 7 8 9. 10 11 12 13 14 15 16 17. 18 19 20 21 22 23 24 25 26 27 28 29 30. 31 32 debts cuz two were closed. You. said. 32 deaths. There's one other episode that has just.

about as many debts, but you definitely. have the largest [snorts] balance with. those amount of debts, I think. So, I need you to sit down with those. advisor because you're going to have to. go through multiple meetings going over. this. We can't solve this here sitting. down here. The budget, sure, we can do. that and you can get set up with the. education and the resources and we can. at least keep you. We know that we can. keep you afloat living on the minimums. and bring in an extra 250 bucks a month. We know we can keep you afloat or an. extra 500 bucks a month. We know we can. do that. So, that's important to learn. from this conversation.

The bet the debt payoff strategy we. don't fully have. If you go bring in an. extra $2,000 a month, you know, that leaves an extra $1,500 left over of. the $80,000 of debt. And we do have like 5,000 coming in from. the homestead. These are great, but these are onetime. things. But even still, with the extra, $500 a month after your living expenses. is still 53 months to pay off.

Let make sure I did that math right. 53 months to pay off debt. or four and a half years. And that's. working your ass off for an crazy amount. of times. There is one option and this one's hard. because you have such a great rate and. you're building, you know, rent is going. to be comparable to your mortgage. payment, but how many rooms do you have? What's your square footage? Five. Five rooms. That's actually pretty darn. good. Five bedroom, three bath. Gosh. because you would could live in a.

two-bedroom for what you pay. But if you. sold your house, took out, you know, you. sold it and used $100,000 of that, you know, you'd be debtree with $20,000. going towards a down payment on a new. home. And that's that's a way to clear this up. and start fresh as well. So, there's. options here. Which one is right for. you? I really want to mold this one over. because there's so much life dependent. stuff and I think you need to sit down. and have like multi-hour long.

conversations because this is going to. be a path. This is going to be a fight. journey. But I'm glad we at least know you need. to go right now make an extra $250 a. month right now. Like I said, I'm happy to uh gift a. course career certification. Go through. their quiz, figure out what makes sense. for you, and they'll they'll attach you. with one, and then we'll pay for it. Put. it on your resume, get another job. Um, it's just a second part-time job, and.

with that and following the budget, we. can at least break even. So, our debt's. not going up, right? But I'm sorry, guys. That's that's kind of it's kind of. where it is today. It's kind of where it is today. There's a lot of options. Some of them. long, some of them a lot of work. Some. of them giving up, which I don't like. Some bankruptcy, which expensive and. stressful, and some is selling the. house, which I also don't love. There's. a lot of options that I don't love, but.

many of them do work. What's right for. you is going to have to be determined. Okay, I agree. So, we're going to go into the post. show. I want to hear some interesting. things about your job. But we also have. more much more we know about you guys. through the producers and they're going. to come in and you know that's usually. where we save some of the dramas for the. post show. Okay. And the numbers for the main show. I. mean your hammer financial score is the. real estate plays into it. Okay. Spending your budget. You overspend. It. wasn't even closed. 0 out of 10. You. have collections. So debt 0 out of 10.

Emergency fund. There was nothing there. 0 out of 10. Your retirement not. horrible. Your retirement is a joke. So. together, I'm going to give us a. retirement three out of 10. Real estate, not having an emergency fund hurts uh. kind of, but just the real estate itself. with the equity position, everything, it's good. It's in there. It's happy. It's an eight out of 10. Okay. So, Hammer Financial Score, real estate. really pulling its weight. It's going to be two and a half out of.

10. That's fair. Join us for the post show link in the. description below. Make sure to check. out our investing and budgeting class. which are bundled at a 15% discount down. there as well. I'll see you guys in the. post show. today on the financial audit post show. I noticed on a few of your your credit. card statements you have cash advance. balances in addition to your purchase. You're cash advancing? Oh, you're cash. advancing. Was that the cash out one? No, no, no. Cash advancing. You're taking cash.

from your credit card. I'm not like trying to call you a liar. That's the only way that those balances. can occur. You're destroying yourself. Yeah, I'm I'm going to destroy. every Infinity Stone besides payday, I. think. To watch the financial audit post. show, click the join button below.