Financial Audit’s First Divorce

I no longer have trust in her is what. she said. But why is everything she says. right? But I can't say right. Does she. do manipulation talk? Cuz I'm starting. to pick up on it. Some talk about. leaving me if I'm not bringing in more. money. I told you that we have to figure. something out. No, you've came down on. me about that job. I work 60 hours. I. work 6 days a week. You think I don't. know? They're screwing us. They're. eating our bank account. It felt like. you haven't cared about what's happening. with our money. How do you think I don't. care about our money, but I'm trying so. hard to make a difference?

Download my new simpler budget app today. and take control of your money once and. for all. And as an extra limited. timeonly bonus, I will give you a signed. version of my budget friendly cookbook. for free when you sign up for Simpler. Budget Premium Annual. Hey, I'm Satie. I'm 23. Hey, I'm Nicole. I'm 26 and we live in Mobile, Alabama. And this is a financial audit. The financial audit over here from. Alabama. Thanks for coming in, guys. is. what do we do for a living over there?

Start with you. I'm a cook. Cook? Like a. line cook? Like are we talking like. Texas Roadhouse? We're talking like a. nice place. It's a brunch spot. Okay. So, okay. How much are you making? Uh 19. an hour. Okay. In Mobile, I honestly. don't really know the cost of living in. Mobile. I know Alabama's definitely. lower in terms of the n nationalwide. scale. What do you do? Uh I'm in car. sales. Just got into it about three. months ago. Well, are you seeing. commissions? End of January. Yeah, I am. They're screwing me over on my.

commission right now. So, like I'm. waiting to get paid for like 10 cars. right now, you know, that are like a. month behind being paid. Month plus. behind basically. So, it's in the. dealership. Yeah. It's not a dealership. It's more of like a mom and pop type. thing. Okay. Not like mom and pop. It's. just I didn't know those existed anymore. for cars. Well, we're like the used car. dealership from Ogill Mitsubishi. Um, so. the one guy that own basically they're. they're just screwing me over. I haven't.

got paid for a lot of my cars. Whenever. I go to ask my manager about it, he's. like, "Oh, it hasn't been funded." Um, well, so the customers walk away with. the car without it being So she she'll. get paid. It's just like she sold 10. cars in a week and they only paid her. $180 and she's supposed to What was your. promised commission from that? So I'm. supposed to get 20% of the gross pay. So. basically whatever they make, I'm. supposed to make 20% of it. 20%'s a. chunky percentage. Okay. But they've. only paid her I'm so sorry. You're all. good. They've only paid her like 200 per.

car. Even if we know that How much have. you made? What did you make last month? So in February total I made. $3,042. And most of that is off bonuses, not off the cars I've sold. What do you. get bonuses for? So like if I sell six. cars in a week, that's 350. Why are you still there? I'm leaving. actually. I am going to a different job. I was just hoping it would. Have you got. accepted? I have got What are you going. to make in this other job? It's so. either I can pick the 3500 a month plus.

uh flat rate on every unit that I sell. or I can make strictly commission and. I'm looking at making strictly. commission because I love sales. I'm. good at it and I make a lot of I make a. lot of sales a month. Okay. The sales. version of Ellen. Gotcha. $19 an hour. for you. How many hours a week are you. working? Uh 35 to 40. It It's just cuz. you're going to be funing the household. for a while. If she's going from sales, like it might take a second. Well, she's.

been selling car. That was the thing is. that she sells the cars. It's just And I. know that it normally takes a little bit. for the cars to be fully funded and. everything to go through, but like. looking it up on Google, it said it. shouldn't take more than a week or two. That's why most of them are like. bi-weekly payouts. How many cars do you. sell? So my first month there, I ended. up selling 20 car. On average, I sell 15. to 20 cars a month. Their cars. You're. lucky. You're on the lucky side of it. Everyone else gets That's. okay. Are you going to be selling new. cars, used cars? Uh, probably used cars.

until I get a little more down into it. This is my first time doing car sales. So, you going to be? So, my commission, they haven't told me that. They told me. it's going to be more than 20%, but. that's why I still haven't put down more. than 20%. Yeah, they usually do about. 25% on bigger dealerships uh for. commission. Jeez, the margins on those. things. So, if you wonder why you're. paying so much for a car, you're paying. me too, buddy. Well, yeah. Everyone. knows that and that's why everyone hates. you. Yeah, pretty much.

Okay, great. So, we might for a second. be living off of 19 bucks an hour for 35. hours a week for a second. Are you. leaving this job before you get the new. job? Before you walk into the new job? No, absolutely not. Not like you make. much from it anyway, but that's okay. What hits your account on a monthly. basis? Um, I'd say average about 4,000. I mean 2,000. I'm so sorry. Monthly like. Yeah. Yeah. Well, um, our business isn't.

as bumping. So, my hours I went from. like 42 hours a week down to like 36 37. over how long? Um, it's been I've been. sitting at 36 hours a week for like Why. don't we go be cook somewhere else? Other places need food to be because. nobody pays you over $10 an hour. It's. minimum wage is 725 in Mobile, Alabama. No, I get it. 725 here, but no one makes. less than 18. Nobody pays more than $10. in low cost of living area comes with. lower pay. I mean, we've tried I mean, I've even tried getting a second job, but half the places that are hiring take.

6 months to get back. And what's your. resume at this point? I mean, you're 23. You're on the younger side. I assume you. didn't go to college. No. Um I So, what. is going on here? What are we. doing? What is happening? What What is. happening? Um I don't know. We I don't know. I've. lost I've lost faith that we can pay. bills. This is the first time in a long. time ever that I don't know how we're. going to be able to pay. We have so much.

debt if you've been able to pay for. everything in the past. I was making. really good money. We worked at the same. restaurant. I was a server. I was. bringing home $1,500. Wait, the. restaurant's at it now? She just moved. in January to car sales. She just moved. Well, how much were you making? I made. $1,500 a week. But the problem is that. the business completely died off. So, I. wasn't making Why' the business die off. all of a sudden? What happened? I We. don't know. We don't know. It's. everywhere in Mobile though. That's why. all of everybody that we work with has. two jobs. Um, so like for example, Texas.

Roadhouse, I used to work there. It used. to be bumping every day. Now, if you. drive past Texas Roadhouse, there is. nobody in the parking lot. Like nobody's. spending money in Mobile right now. Okay. Well, that obviously sucks. Uh and. when we were making money, obviously we. just weren't paying our cards. Yeah. I mean, Mobile, it's been a. declining population since about what is. that 2000? Yeah. It's lost almost 20,000.

from its 200,000 hour 200,000 peak. So. that's pretty brutal. That makes sense. Why are you guys staying in Mobile? We. can't we can't move. I mean, what are we. talking about? Everyone can move. You. can move. I don't know. I'm just I'm. just scared. Like, so when I moved here, it was Yes. with a promise of well, a. sales job. It was only going to be like. $30,000 a year, but I just packed up my. sedan. Well, and I'm kind of hoping I'm. I'm This is the longest I've been with. my job. I've been with him for 3 years. Um I'm Yeah, the job's declining. I.

know. Like there's the real world. You. are like they're not entitled to your. work. I can't I can't. There's two sides of. capitalism, right? There's the side. where there's the side where no one's. paying you more than ten in Mobile. But. there's then there's also the side where. you don't have to be in Mobile. Well, we. just bought a house, too. So, you just. bought a house. We bought a house a year. ago. No, we bought a house a year a year. and a half ago. What did you guys It was. a year and a half ago. We were making. really good money. I know so much more. goes into this. Oh, yeah. I know so much.

more goes into this than just what I'm. about to say, but I come from the money. side. I come from the real estate side. Why the are you buying a property in a. literal declining town? I mean, we. needed a place to go. I want to move out. of that or on the street. I want to move. out of Alabama. We cannot. We have 10. animals. What are you doing? Huh? The strays, man. It's so mobile. Mobile we ship out. I mean, Alabama. So, because we can't.

So, because we can't stop petting pets, we literally have to invest in a. decaying. We didn't have that. We didn't. have that many animals when we decided. to buy a house. We Okay, then you're. then you [ __ ] me. Then you [ __ ]. and you could have rented then. Well, but we did have animals was the thing. How many? We have like two or three. But. I've had two or three and rented. Okay, but it's not renting. It's 100 plus But. you're not getting stagnant in a. declining town. It happened. We're here now. I mean, we.

bought the house. We I. mean, it I want to move Alabama, but. it's a sometime hard. Yes. How long have. we been married? We We married in 22, I think. How long. have you guys been together? 2020. So, 5. years. Okay. Breaking the. odds. Well. done. Hm. Are you guys both on the mortgage then? Yes. Yeah. Okay. Okay.

What is your guys's relationship with. money? Like how do you guys operate? It. it kind of started like when we we got. together when I was 18. I had no idea. how to do any financial anything. I. never touched I'm not saying Let me. finish. Um I'm not I'm just I'm just. saying you made me lose my train of. thought. Oh, I just I didn't know how. finances work. She took care of me. She. paid for everything. I lived in her. house. Like I had my own sugar mama. Yeah. Uh took care of You were her sugar.

mama. More or less. Not really. What? Were you guys together? Yeah, we we got. together. I know. I got I moved in a little less. I mean, I didn't She wouldn't even let. me see her bank account. I wasn't. working. I got You wouldn't let her see. it. No, because I mean even whenever I. did finally say something like for. example she was smoking cigarettes. really bad bad and I would don't do that. and I told her I was like look I don't. know how I'm going to pay for. cigarettes. I really don't I cannot. afford it this month. I have bills to.

pay her cigarettes and she got her. cigarettes. Yeah. And she got snippy. with you're having a hard the hard tough. conversation you guys had is babe I. don't think I can pay for your. cigarettes this month. Why are you guys living that? I like I. said, well, you need to get another job. I didn't say that. Did she say that? No, I I never once said that. You said that. I just going to No, that's not at all. what I was going on. I was just going to. say I told her I could not afford it. Uh. I don't know how I'm going to pay for.

it. I'm really sorry. And she was just. like, well, I I don't know what else to. tell you. I need I need cigarettes. And. I was like, I I can't afford it. She. said that for 5 years now. Why would why. would I just make it up though? Well, it. sounds like a pretty impactful moment on. the terms of how the finances have. worked in this relationship. Like she. couldn't fund your horrible, disgusting, smelling addiction. Mhm. And you just freaked out about it. Like. I didn't freak out. That's what I'm.

saying. She was thinking it that's. that's how it went. That's how I recall. it. So, you know, if we recall it two. different ways, it is what it is. Um, but no, I I did have a a. conversation with her cuz I was taking. care of her and my dad and I just I let. her know like I I have to buy groceries. I have to buy other things. Like I I. have to pay off my credit card cuz uh. we'll get into it later. One of my. credit cards, you know, uh I owed some. money on it back then. And is she.

holding you back? She holding the. financial part of the relationship back. Well, not anymore cuz you left a higher. paying job. Now you don't make as much. That wasn't my money on her credit card. either. That was before we got back. together. You guys swapping who's. the who's holding back the boat. It's. not that we're holding back. Like I mean. literally we would go okay so we just. went to a Marty Gro ball and like I told. her like I wanted this dress and I said. look I need your help to not like help. me not spend this much money. I have a a. spending problem. Okay. Yeah. Maybe you.

can control yourself. You're told me to. buy two. Do you have no agency? Are you. incapable? Do you need daddy to still. hold your hand at 23? It'd be nice. Yeah, if you're incapable of literally. having any agency. Mhm. I go to work. I. pay the bills right now. I'm I'm doing. everything that I can. Buy dresses you. can't afford. We could afford it. It was. in the bank account. It wasn't on a. credit card. You can't afford it if you. have high interest credit cards. I can't move. W If you can't afford to.

literally pack scared we had the chance. to. No, you told me you couldn't. Okay. Well, I'm scared. I was scared to move. That's what I told her. All of my. family, my grandparents, this that the. other. It's now we can't. I was saying. we can't now because we just bought a. house 500. You got two. I got one. I'm. saying I asked her I was like look I. really want this dress this that the. other. I was like but I can't like we. can't afford it right now. Just help me. help me pick a different You have no. agency. I'm so. confused. You're incapable. Oh, I'm.

capable. I don't not from that. conversation. You need her to tell you. need and then when she doesn't you're. just like I'm going to destroy our. lives. Yeah. What? And we're okay with that. No, I'm. not okay with it. I had So, how'd that. go? How'd that conversation go then for. you? That's what it was. Went exactly. like that. I got a really good check for. my job. Uh which one? Uh the the the. job. Yeah. I got like a thousand and. something dollars off a check cuz fun.

some of my cars had funded or I don't. really understand cuz they don't give me. the car prices. They don't let me know. how much I actually made off them, anything like that. So, I finally got a. good check and I was like, "This job is. actually going to be good. I'm actually. going to finally make money off this. job." So, I got excited, you know. So, I. told her, I was like, "Look, I'm going. to be able to pay for this dress. If you. want two, get two." Sarcastically, I. didn't mean it like that, but you know, I thought I was going to make money. encourages me to treat myself to go get. this and that done. She's like, "Oh, get. this done. Get that done." I'm the.

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thing is what you guys are trying to do. I really thought this job was going to. be okay. That's not how this works. Maybe make money first and then spend. it. Well, it started coming in from that. job cuz I was getting I got You got. $1,000. She had 1,800 in a week. Like we. we just don't understand. Like she sold. the job and maybe I'd consume. I don't. know. That's that's our plan. We just. It's actually actually my grandmother. Do you have a hardcore contract is an. attorney? We're told you signed. So.

that's the issue. No, there is not. Then. good luck. You're not going to get any. The only thing is don't don't waste your. time suing if it's you. We don't want. to. You didn't protect yourself. Protect. yourself. Yeah, I figured that out the. hard way. I did but learning lesson now. over there uh where I am going I have. you know I am doing contracts and. everything that you spend a trillion. billion dollars you don't want to you. tell her not to then you tell her to you. just what are we do what how the are we. going to financially survive you guys.

have broken the lesbian traditions. congratulations 5 years but how are we. going to financially survive. we were making money we just so what we. would do you got a check once I'm not. saying that check I'm talking about when. we were both working, when we were. spending the money, we were making. money. We were bringing in What was. making money? Bringing in $6,000 a month. before she household. Yes. Before she. Before she got this job, she was. bringing in $1,500 a week. Then what was. the issue? Why didn't we budget on our. new income once the money went down?

Because we just kept spending the money. as it would come in. And it wasn't just. me spending money. It wasn't just me. deciding to do this and that. It was us. together like but also we I don't know. It wasn't just you spending money. It's. not just me. Those aren't just my credit. cards with money on it. Okay. So, you. have spending problems. No. Well, we'll. get into it whenever we get into the. credit card because you know what my. money goes towards? My money goes. towards the stuff that you want. My. money goes towards the the animals. Like. that's what most of my credit card debt.

is too. I mean, listen guys, even with. your lower paying job with what you're. getting paid now, combining with you, you guys make the median household. income in Mobile. You guys were making. 2,000 hours above the median household. income in Mobile before you were doing. okay. Now, for what it's worth, I was. actually wrong earlier. Yes, it's the. declining city, but somehow over the. last few years, maybe because they're. just actually I really don't know. I. would have to do a deep dive, but the. housing market is actually doing quite. well there for what it's worth. So, maybe you guys didn't make a completely. dumb decision. I don't know if it's a.

long-term play, but you may have a. safety net to get out of there if you. really want to. We just wanted somewhere. to to to settle for a few years before. cuz I wanted a house for a few years. Yeah, but we got a neighbor that we are. going to talk to whether or not he wants. to buy it because he he owns like a cow. farm. So, he owns like half the. neighborhood we live in. Rents out. trailers and everything. You're going to. talk to him. Have you had like has he. expressed interest? Yes, he he wanted to. buy it before we bought it, but it was. Will he buy it at the price you want? Well, that's we don't know. We discussed.

that or we've discussed renting it out. to people. Um 9500. Don't get into the. landlord game. I don't think you're. ready for that. I don't want to do that. I don't want How much did you buy it. for? 95,000. Not 9500. My bad. 95,000? Oh my gosh. Mobile. Do I just The We. bought a landing. Is it time to just. retire in Mobile? Oh, what is that? We. bought a landing trailer. We bought a. land and trailer. It's not like a house, but every house that you could buy in.

Mobile was 300,000 plus if you wanted to. get on the loan because maybe you. couldn't get a house yet, and that's. okay. You're 23. The Well, I It is what. it is. We We both It is what it is. So, instead of actually trying to just. change for the future, it is what it is. Come on. Well, I mean, we are trying to. change. That's why we're here now. We. need help. We need help to get out of. debt and to move. That's the whole. reason we signed up for this. I've been. watching your videos. We've been. watching your videos. I just We have. been talking for a year now on actually.

sitting down to a financial person. I've. talked about it multiple times. Why. haven't you guys done it? It's been a. year. You're freezing. It's so cold in. here. Well, I get stressed because I'm. sitting across. Yeah. But um you're a. celebrity basically. So we just we just. keep pushing stuff off. We would just. keep like like what we would do is we. would spend something on our. um what we would spend something on our. credit card and then we'd be like okay. when we get home we'll pay it back. because we would have it sitting in our. account but a year why haven't you guys. done it if you've been talking for a. year which is a great conversation to. have and I fully support that action of.

course and it is what it is to a certain. extent I just don't want us to be. dismissive it is what it is cuz that's. what sometimes it is what it is gets to. if it's it is what it is now we just. have to deal with it okay that's what. I'm okay with I just don't want to use. the dismissive part but It's why a year. talking about going to see someone, haven't we? A year is not an. insignificant amount of time. Yeah, it just hasn't it just hasn't. happened. We've had Why though? I want. to hear a why. Why talk action? Something else that screwed us over. The.

animals. It always comes down to the. animals. Okay. So, that that's where a. lot of our debt comes down to possibly. So, there was this dog. We picked her. up. Um she ended up getting pregnant. She had nine puppies and then that. costed us thousands of dollars because. we went to the vet. We couldn't let them. outside because of parvo. So that. included pup uh puppies. You guys. obviously can't afford them and it's not. fair to them to have them. We don't have. them. They um we found them everybody. homes. We we paid How many do you have. now? We have 10 animals. You can.

probably not afford You can't You didn't. you open this conversation with I don't. know how we're going to pay our bills. So you cannot afford It's not fair to. them. You're not giving them the best. life. There is nothing else you can do in. Mobile. You can't rehome animals. There's you can't rehome animals. That's. against the law in Mobile. Mobile, it's. not going to happen. Once you get a dog. and it's a there are other towns in. three-hour radiuses of Mobile that you. can post. Okay, but look, what we're. trying to say is that anywhere you go,

they they pick animal control picks up. like 100 dogs a day in Mobile. We are. constantly We just They just picked up. 20 German shepherds. I love I No, no. I. love what you guys are doing. I love. what you guys are doing. But you are in. a position now. You can't just say it's. impossible to rehome when you can. probably find other other communities. within 3 hours where you can meet. halfway where you might be able to. rehome. That's all I'm saying. I'm not. against what you guys are doing as a. general concept. We've tried we've tried rehoming. animals. We've we.

not in Mobile. That's what I was just. told. so hard for anybody to get rehomed. to the point where they are literally. putting animals on planes and shipping. them off to other states. It is very. difficult because they threw people. How. much you going to spend on these pets on. a monthly. basis? 50 I think we decided. We we. added up the numbers. It was 250 that we. spend on the animals. We're we're on. dirt. They don't scratch. We don't have. fleas. We we bathe everybody like once a. week. Yeah. I'm not saying you're doing. it bad, but what if someone gets sick?

That's my concern. If you can't afford. to pay your own bills, can you afford. the vets are where we live? I mean, they. are absolute crap. We've we've taken. Okay, sounds like Mobile because. everything I'm hearing is a mobile can't. do anything there. That's what I keep. trying to say, but it's She blows it. down to me that we haven't left. And And. it is really is that true? It is me, but. I like I said, I'm I was scared to move. I was scared. You're saying was though? I still am now. Oh, why? Because my. grandparents are old and I know that. Are they in Mobile? Yeah. No, that.

sounds stupid. My whole family's there. My family is everything. And I get No, no, no. That sounds stupid. And I'm just. saying that towards her that like I get. you're ready to go, but I am younger. It. has taken me longer to learn stuff. Um. I'm so crying. Infantilize yourself. I. was on your side until you started to. act like a classic. That's what everyone. everyone that Dude, when I was 18, I was. so excited. I I'm an adult. I'm going to. go do everything adult for my family. I'm taking care of That's not what I'm. saying. I'm saying everyone your age is.

so. infantilizing, right? I don't. understand. Everyone is maturing so much. slower and everyone is obsessed with I'm. young. I'm a kid. I don't know what. happened. Was it co like what happened? Cuz everyone I talk to your age acts. like they are a child and a victim. Like, oh my gosh, I'm a 28-year-old. 16-year-old. What the is happening? Like I it's. blowing my mind. I'm seeing online every. day. I'm seeing I'm that I was scared to.

move at the time. Then we bought the. house. I mean, not as much. At the. moment, we do we cannot move because in. order for you to make a profit off your. house, you have to live in your. household for 2 years. And then that's. just to cover the taxes whenever you. sell your house. You're living in a. depreciating asset as well. And that's. where other problem you're probably. going to have to take a loss. But maybe. the land you'll be okay cuz you got the. land. The land you might be okay. I. don't know about the trailer. I am I am. not pushing against you of the fear. I. totally get it. That the only only thing.

that kept me in Kazoo for a while was my. family. That's the only thing that still. draws me my you know my heart to Kazoo. is the family. I just got so emotional. because it's it's a it's a conversation. we've had a lot. I get that. But I don't. want to hear the I'm 23. I'm still. young. I didn't say that I was young. I. didn't say that I was young. I was. young. I said I was scared because I was. young and I had family and I didn't know. how finances work. What's was was a year. ago when we got together what two three. years ago before we bought a house.

before we had plans of buying a house. What are you associating to though? I'm. just trying to figure out I'm trying to. figure out what you're saying when you. are saying was. What the [ __ ] are we. even talking about was afraid? Like I. had never paid bills before. I didn't. have Oh, I'm sorry. Like two 3 years ago. I pulled my first open my first Then why. are we talking about that? I don't give. a about I don't even know. I care about. now. What? What are you okay? I think. you It's okay to feel It's okay to feel. anxiety. It's okay to feel that. It's.

okay to want to be close to family. I'm. not against that. I just don't want you. to be in the perpetual state that so. many people are that in their young 20s. of thinking they'reing like 12. It's. such a common thing. I don't know what. I'm ready to go now. I just Well, she. said you're the one that's preventing. from leaving and it's because of the. family, which is a valid reason. But. maybe you can live still like a few. hours away with better economic. opportunities. Yeah. Like Alabama's not Alabama and. Mississippi aren't really known for best.

economic opportunities. Where do we. think we are on the world is 0 to 10? I'm going to go 3 2 1 go on go at the. same exact time. What possibly are you. going to say? I'm explaining how scor. what are you possibly going to say? Okay. Uh I'm going to go 3 2 1 go on go. I want you to give me your household. financial score. 0 to 10. 0 being the. absolute worst, 10 being the absolute. best. 3 2 1 3. Ah, yes. Have you guys discussed? Okay. If you want your Hammer financial score, take the assessment, see where you are.

Go to calem.com link in the description. below. It's a fun little time. If you. want to come on the show, come on the. show. Caleb.com/apply. I'd be happy to have. you on. So, let's start with the. discover card. There's a dog on the. picture of this Discovery card. Is this. all animal debt? Uh, I'll say. like probably like 20 10 20% of its. animal debt. Okay. Well, that's not. enough. We So, what the [ __ ] is up? The. other thing is going to be we went on a.

Colorado trip. We would go on yearly. No, there's I was, you know, I didn't. even think about that. I didn't even. think about that you talked about. Colorado, but the fact that you. literally cannot even afford to pay your. own bills at home. How the [ __ ] are you. going to Colorado? Well, this is when we. could afford our bills. Are you sure? Because you put it on a credit card and. it's not paid off. So, I don't know if. you could afford it. Is that how. afforded means? I don't think that's how. afforded means. What we plan to do is uh. And you're going to yell at us, but what. we planned on doing was paying it back. with our taxes, but then we found out. our job wasn't taking enough taxes out. of our paycheck. So, we ended up owing.

our taxes withholding. Okay. Well, we were going to put our. taxes towards it. And then um you're. talking about a return as in they took. too much money. What are you guys. talking about? Our job wasn't taking. enough money. So now we know enough. money. You're expecting your job to take. too much money cuz that's the only. reason you'd get money back. And that's. what we thought was happening, but it. turns out they weren't taking out. enough. Why did you even think that we. because we were putting extra up, but we. were exempting. It says ex it said. exempt instead of extra withholding.

Because even our tax lady was confused. about it. We got her to look it over and. it said, "How much extra do you want to. withhold?" But for some reason it Why. would you want to withhold extra? So. that we thought we were giving them. extra ow. Why would you want to give. them extra? Because we don't want to pay. 3,000 at the end of the year. It's not. it's not about a return. It's it's we. owed 3,000 because they weren't taking. they weren't withholding enough. Any. other job that we've worked at like. we've um either not had to pay or this. is a just in incapable thing. It's like.

I've never owed taxes before. So. whenever they came back ow taxes or get. a tax return. The fact is if you are. giving them less in terms of. withholdings, you have more money. And. if you are budgeting properly, shout out. to the simpler budget app that I made, which you guys shoulding use. Seriously. Um, if you guys are actually budgeting. properly and you have more money because. you're withholding less, you will put. that towards savings, you will have more. savings. The tax bill wouldn't be. terrifying. And by the way, while you. have that savings, it would be acrewing. interest in like a high yield savings.

account. The ideal situation is get to. withholdings to where you aren't. returning any money. You're not owing. any money either. That's the ideal. situation. Guys, I just wanted to say an. extra thank you for making Simpler. Budget, an incredibly popular app. I. wasn't expecting it, but we literally. get like thousands of downloads a day. and a lot of you are actually changing. your financial future and we've been. hearing from you. So, thank you all for. supporting us. We just wanted to. continue to say thank you and give. people the opportunity to try out the. app. So, we still have a twoe free trial. in there for the premium version. And of.

course, everyone that signs up for an. annual version, at least for this next. quarter, will get a founders edition. simpler budget notebook. And it is. signed by me, sent directly to you. So, that's a special thank you for putting. your trust in us to create an amazing. budgeting app. And let me tell you, the. features that we're going to release. throughout this next year are about to. be crazy. I'm going to make this the. best budgeting app that has ever. existed. Seriously, download Simpler. Budget now. It's incredible. The time to. take control of your finances is. literally right now. And as an extra.

limited time only bonus, I will give you. a signed version of my budget friendly. cookbook for free when you sign up for. Simpler Budget Premium Annual. Of. course, and that's just what we wanted. But like that's what that's Then why. were you expecting a big chunk of money. if that's what you wanted? Because we. were putting extra towards our taxes. Why would we do that? We wanted to do. that to make sure we didn't owe them. anything. But why are we doing so much. that we thought we were going to get a. big chunk of money? See how cuz we just.

I've never owed taxes. Normally I get a. couple thousand back and whenever I did. it. I mean even when I was making like. 725 an hour I think I ended up getting. like $400 back. Um so making more. taxes at one point. That's what I'm. picking up. We owe taxes now. No longer. It is acrewing interest right now. Wait, what year was this? Last year it was. 2023's taxes owed in 2024. 20 or is it 2024's taxes? 2024's taxes. No, it's not. It's not last year's. taxes. You haven't Have you filed last.

year's 2023 taxes that we owed in 2024? Okay. So, yes. And how much was it? 3,000. You guys haven't paid. No. And. it's acrewing interest. So, now we're at. 33. Well, I'm sure that'll be in this. pile sake. I'm going in blind because I. like to experience it with the audience. Okay. Okay. So, when did you take the. Colorado trip? Last January. Yeah. In 24. So, uh So, you haven't had.

filed the taxes yet for 2023 at that. point, right? Okay. And you thought you. were going to get a return because we. That doesn't actually that doesn't make. any sense, guys. You're saying in 2023, so no entirety of 2023, you were putting. more towards taxes, right? We thought we were putting more. towards taxes, but you actually put. less. It was it was under exempt instead. of withhold. We don't even our tax lady. was really confused. But you're not.

talking about 2024's last year. You're. talking about 2023 you thought you were. paying more. Yes. Yes. Okay. This year. we 2024 we did pay more. We paid an. extra 50 bucks a week, but because we. owe 3,000, so I don't I think it's fine. Yeah, we'll talk about the tax. debt. Okay. So, how much you owe in. taxes? 3,000. Okay. Taxes. This is 2023's taxes. What's the interest rate?

I'm sure it's more than 3,000. You said. it's acrewing interest. We just at like. 3,300 right now. Are you ready for them. to garnish your wages? We planned on filing taxes and finally. sitting down and paying it off. It's. just not And you have filed last year's. No, we've been scared. So, we just. haven't filed. Oh, yeah. Yeah. What are. you going to say? No. It's We don't We. don't have money to file taxes right. now. Like to pay for somebody to do it. cuz I Well, pay somebody like to do your.

to file your taxes for you. She likes to. go to somebody and I like to do it. Why. would you need it? Why would you Why. would you need to go to someone? You. literally I've never I've never done it, dude. I'm not even pro Turboax. I think. uh often times what they try to do with. their fees and stuff isn't actually. great. But you guys should totally just. use Turboax. You have the most normal. job in the world. You do not need a CPA. I've just never done it online. I've. always Why? Because that's how we've. done it. Because we know it's a horrible.

reason. And some of her family kept. recommending we go to these people cuz. we could get a decent amount. You don't. have a But you guys don't decent amount. back. Really? What would you be? What the? So that's why I'm a little. aggravated right now is because, you. know, I usually did it myself, but then. we finally go to somebody and it finds. out we owe $3,000. And I'm like, how do. we go to somebody and we owe more? But. I've never had uses any tax filing. service. I think there's a free one on. the government's website. We'll do that. I think you could do it on Credit Karma.

They use Turbo Tax actually. I think. Yeah, it's Into it. They In it. It's the company that owns it all. Yeah, Free Tax USA. I I don't know. Maybe. there's a fee on that, but why don't you. try that? It's worth a shot. I'm sure. it's I I don't know. I don't know. This. is so stupid. Free is in its name. But. yeah, the IRS has. one. Um Okay. I think it's I think you. can pay what you want monthly towards. it. I think you can set however much you. want.

Let them just acrew that interest. forever. Or are you gonna wait till they. garnish your wages? No, we just we don't. I mean I want to pay our mortgage before. I pay anything else. So until we can get. some more money rolling in. Um I I do. understand that. But you weren't. struggling to pay your mortgage last. year. You're again you seem like. you say things for sympathy. I'm. starting to pick up on this almost some. like manipulation talk. Yeah. Like, yes, I know right now you prioritize the.

mortgage. We weren't talking about right. now. We talked about how you literally. didn't do anything last year when you. made $2,000 more than the median. household income. Does she do. manipulation talk? Cuz I'm starting to. pick up on it. So, what we what we were. going to do is answer the question. No. Uh, are you sure? So, what we were. saying that so you don't get a mouth. full later. What we were gonna do anyways for taxes. and everything is we were gonna um we we. planned on going on the monthly plan and. then a co-orker I had came up to me and. she's talking about how she's on this.

monthly plan for income taxes. Yeah. So. if you notice you're going to get this. thing scared. That seems to be what. holds us back all the time. We were. going to go on the monthly plan but then. a co-orker came back to me. She's. talking about how she paid the monthly. but then the IRS came back talking about. she didn't make her payment so they took. off more like more out of her. Maybe she. didn't make what was a minimum required. and maybe you're allowed to pay more. than the minimum require. Maybe that's. what it is. I don't know what happened. with it, but basically she was talking a. lot of smack about How did you guys. literally just talk to the IRS? They.

want their money. They're actually. they're they'll actually be quite. generous about it if you actually just. communicate with them. I don't know why. we haven't. I just That seems to be your. answer for everything is I don't know. why we did this this. We do everything. but we never know why. It just it made. sense at the time. I mean, it made sense. to spend the money on what? On at any. point in time, whatever you're looking. at, it made sense to spend the money. last year. Why did that make sense? What. part? You said it made sense. I don't.

know what we're talking about anymore. What you were just talking about. You. said it made sense to spend the. money. How'd it make sense? It just It. did. I don't No. Give me a reason. Good. That's what you were talking about. The. puppies. We had the puppies back then. I. don't think we got rid of them until an. actual answer. Thank you. Yes, that's. what happened, dude. So, they were they. were screwing us. All them puppies, man. It was that you chose. Yeah. Um, so all. the puppies, we were spending thousands.

of dollars. That's what some of that. Discover card debt is. Yes. Let's go. back. Discover card. So, the minimum. payment is 144. It's a substantial. chunk. It's already like 15% of No, no, no, no, no, no, no, no. like 7% of our. income that's coming in, which is crazy. And then another thing is a lot of that. purchases. You're purchasing. Why is. this? You went from. $5,163 to. $5,362. What are we doing? It went up. $200 cuz you purchased $257 on there.

with. $123.71 of interest. Are you both on. this credit card? Whose credit card is. this? Is something more important than. happening than changing your financial. future? I was going to see actually what. I made purchases on. Is it? How How. would I tell you? Put your phone away. Oh, sweet. Jeez, guys. How long does. this take to pay off only doing minimum. monthly payments, which is what you do, but not purchasing anything what you uh. are incapable of doing. How long does it. take to pay off? It's going to take a. very That's an interesting number. How. long does it take to pay off? I don't. remember what number it gave me. Why.

don't you give me 27 years or like that? So, you actually looked at it? Yeah, we're still purchasing on it. It takes. 22 years. What did we purchase? I don't. know. How about you tell me actually. without looking at your phone? You went. You're destroying your life. You're. purchasing. What did you purchase on? I don't know. Wow, guys. Okay. Okay. You. do not leave. You do not leave this. studio until you download and sign up. for the Simpler Budget app. We made it. literally for people to just budget in a.

simple way. It is so easy. Take. advantage of the community feature in. there. There's all these new pricing. rules, all these new features that we're. adding on a consistent basis. Just do. it. Do it. And you guys get this. You. guys get the Simpler Budget Founders. Edition notebook that you are going to. journal in over the course of your. journey from the show. And then I'm. going to read over it when you guys come. back on the follow-up channel. If you. guys want this, I'll give you a signed. version. All you have to do is sign up. for the annual version of the Simpler.

Budget app. You can take a trial first. and see if uh it is worth it to you. But. um make sure you guys got it. It just it. makes everything so much easier. It is. simple. It is automated. Download and. sign up for simpler. budget. Then you would be able to tell. me uh what you purchased on Starbucks. Starbucks. Pop fit. Skycloud. 24 beauty supply.

I'mma go with is Beauty Supply the lash. place. I mean, not the lash, the. eyebrow. No one's lashed or something. No, that was maybe for the ball. It was. $62. $62. $62. $62. Literally $62. Yeah. Household brings in 2,000. That was 3%. 3% of your household income went to a. beauty. One purchase of beauty.

[Music]. Okay. You said a ball. What ball? You. went to a ball. We had a planned for. like a year and that's where we bought. the dress, right? Yeah. We we bought the. tickets a year ago. Oh, you're getting. the beauty purchases and what's Sky. Cloud and then the Pop Fit and Starbucks. and Pop Fit. Um they were doing. cleaners. You went to the Cleaners, Jaguar Cleaners. That was for the girl. ball again. We had to get the No, we had. to get your uh dress dry cleananed. And.

the other thing was we had a hard time. keeping up with our cards, our debit. card, because our car will actually eat. our debit card. Huh. So, like your car. will eat your right underneath our. radio. If you put your debit card in. there, it slides into this little hole. Put it in there. I have to pay to use it or you What do. you No, we would just put it in there. and then our cards would fall in this. hole. Um, so then we would just use our. credit cards cuz we couldn't find our. debit card. Are they actually children? What is.

happening? Oh, maybe you should. infantilize. yourself. Oh my. gosh. Okay, you guys are not credit card. people. You can use the Fizz card. That's the one card I will allow you to. use that builds credit because it's like. it's a debit card. It's attached to your. checking account. Doesn't let you spend. more than in there. That's what our. audience uses. That's what you will use. That's what I would use if I was in your. situation. And it is acrewing interest. It is just [ __ ] You went to the. cleaners twice. Apple Pay. Yeah, that's. where the Starbucks. And then you went. to the. market. All bull. It's alling [ __ ].

And we decided to make the balance go up. on a credit card that we can't pay off. that is agreeing interest. And we're. sitting here and you immediately said, "I don't know how we're going to pay our. bills this month." You $500 on a dress. You spent 25% of the household income on. a dress. off. Off. You can't. I want to have. sympathy. I want to come here and be. like, you guys have really cut it down. to the bone. We can't pay for We can't.

pay for anything. This is hard. Let's. find a solution. No. Spend 25% of your. income on a dress. And you're like, "Oh, I guess what? I know. I'm going to spend. money. Please help me not spend money. Please help me not spend money. Oh my. goodness. Wait. I'm I can't control. myself. I'm going to spend money. Oh no. Yeah. No sympathy there. Sake. Quicksilver. Who has the quicksilver? Who's is the discover card? That was my. discover card. Who's the quicksilver? So, you do spend like So, it's not just.

her being the spending problem. Look, you made that card go up by $200. Yeah. Yeah. When I started to get my. finances in order, I wish I had today's. tools. They would have not only helped. me get ahead, but also stay on track. So, if you're a college student or just. not a credit card person like I was, meet today's sponsor, the Fizz Card. That's a debit card that not only helps. you build your credit, but also manage. your money. With Fizz, say goodbye to. hidden fees, hard pulls, or killer.

interest rates. It's purely a debit card. that helps you build your credit. And. here's my favorite part. Fizz syncs with. your bank account and set spending. limits based on your actual balance. That means no more blowing your budget. on taquito trips or impulse purchases. Fizz isn't just about keeping your. budget tight. It's about building your. credit and rewarding you with cash back. on your everyday spending. So, ready to. build your credit the easy way with no. stress, no debt, no hidden nonsense. Head over to.

joinfizz.com/caleb or click the link in. the description below. Fizz has both a. free and a paid membership tier. If you. want to become a Fizz member, there's no. hidden costs or interest, just an. upfront membership fee. And hey, just. for my audience, the next 10,000 people. to sign up with code hammer 25 get an. extra 25% off. So try out Fizz today and. let me know what you think. Uh, it was. for her. You a little shocked you called. out. No, it was for the dry cleaning. And it was for Wasn't just the dry. cleaning. It was Starbucks. It was the. beauty. It was the beauty was me. It was.

the market. She's She's trying to say it's all me. I'm not trying to say it's all you. I. was just trying to say kind of said it. was all her. really do much. Well, I'll tell you what you do do. And. put a higher balance on a credit card. Okay. Quicksilver. Who's Quicksilver? Uh, I think this one might be mine. We. both have a Quicksilver. Uh, who has a. $2,884 balance? Me possibly.

Okie do. $99 minimum payment. These are. already stacking substantially for what. your household income is. In fact, we're. already at 25%. How do you pay bills? Yeah, I don't know. At least there's no. purchases, but there are $7028 of. interest. Only the minimums made. Say, I. don't know. We've really been spending. money other than. your thing. Okay. How much did you guys. spend last month? I couldn't tell you. I'm glad you guys.

haven't been spending that much money. How much did you guys spend last month? Are you talking about on credit cards or. just No, just total spending. Total. spending in general. Whatever bills we. have. I want a [ __ ] number. I'm I'm I. agree. I'm glad you guys are not. spending that much. So, how much should. we spend? Um I know like our mortgage is. Please. Okay. I'm sorry. I'm trying to. I'm getting there. I'd say mental math. That's okay. Um I mean we could give it like 4500. What the No, no, no. You said you were.

spending less. Well, are you talking. about for our bills too or everything. that it spends, guys? The total number. Well, I was saying we're we don't spend. on our credit cards other than I That's. not what you said. That is legitimately. not what you said. Now you're pushing. the goalpost. Okay. Yeah, cuz that's how you do it in this. conversation so far. You say something, I say incorrect. And you're like, well, no, I said this. No, you didn't. Well, I. what I meant to say then, can I should I. say that? Sure. You can make that up. Okay. Well, that's what I was trying to. say. That's what I was looking at her.

for. I was like, we haven't other than. that credit card. That's literally what. I said. I don't know that we So, okay, that's good. So, we're not spending on. bull then. Yeah. as well. Yeah, we're. we're only spending on necessities right. now. Like, how much did you guys spend. going out to eat? Cuz I'm glad I I. agree. I am glad we're cutting back. This is great. So, going out to eat, we. probably like like weekly or monthly. Monthly, of course. It was like probably. like a hundred bucks then, right? Cuz. we're cutting back 100 bucks. Yeah. Thank goodness. Thousanding dollars. Shut the up. You guys aren't cutting. back. You spent $8,000 last.

month. You guys have no clue. You are. bull me. You're both yourselves and each. other. $1,000 going out to. eat. What are you talking about? You. didn't bring in that much money. So, it. would be Yeah, you didn't really bring. in that much money. We're going toinging. go over all this. Hey, surprise. surprise. Your debt's going up. Who? Oh, how would that happen? Who would have. thought? Gosh. Oh, I'm being a dick. But. you guys are just You're lying. You know. nothing. And then you manipulate the.

conversation. At least with your. language. I just thought we spent 8,000. if we didn't bring it in. Uh-huh. And. then he spent 1,158 on miscellaneous. [ __ ] Yeah. Oh. yeah. Okay. This ladies and gentlemen is all you do. This is your life. Mhm. You do one thing. very well. Can I show you what you do. incredibly well? Mhm. Okay.

[Music]. You do one thing this incredibly well. You just all these hundies. just This is all you know how to. do. There it is. It's all gone. Bye-bye. Bye-bye, Benji. Benji. Bye-bye.

Is that what you guys say every night? Bye-bye, Benji. Bye. Bye. Bye. Now we. say good night. [Music]. What's the one thing you guys have done. successfully as far as I can. tell? Bye-bye, Benji. Bye-bye. Bye-bye, Benji.

So yeah, we cut back spending. February that Motty girl. I'm not even. going to lie. It really really got I. would love a non lie for the first time. in this conversation. Please. Yeah. I'm. not going to say that's every month, but. I'm saying February a lot of that was. that I can't believe you for one. second. Not every. month. Okay. Who's to discover it? I think that one's me.

No spending on this one. either. 3,515. I have a feeling we're. going to have lots of checking account. spending. 3,51528 is the balance with a minimum. monthly payment of 103. That's It's. getting very scary. 14 years to pay. off. Going to be married to a. 40-year-old when this is paid off. You have to do that now. You don't have. to call it my age or anything. You're.

not old. You'll be middle-aged by the. time you take care of this. If you don't. spend more money, you guys are incapable. of not spending money. typically. Uh. 27.24% interest rate. Why? Why do we. have this card? What's What's up with. this card? Which one is that? The. discover. Oh my gosh. Okay. Okay. Don't. be mean. Don't be mean. Don't be mean. the one that we literally were just. talking about. I saw you for the paper, so I just didn't know. Remember when I. asked whose card is this and you said it.

was yours? Okay. Yeah, it's mine. I. opened it. Uh I think we opened our. discovers at the same time. Or did you. open yours before me? I think we did it. at the same time in like 20 years. I. think there was a um they had like a. promotion. You opened it at the same. time? I think they had like a promote. Yeah, they had a promotion of like a. year. No, API joint cart. That's why. you'll notice all of them are the Huh? Why do we need touching flaps and. touching cards? Why do we have to do all. these things in pairs? Why not? I I did.

mine so I could um Well, obviously I was. destroyed to have a higher what is it? A. higher limit so it looks better on my. credit card. So that's why I did on. Discover and then I purchased that. little Goodway. Yeah, you did. Yeah, I opened that one. in 2023. I think this is at a 27.24%. interest rate. Yes. The amount of. interest acuring on here is horrible.

You put more than 3,500 on here total. cuz you've been paying on it for a. second. Literally, here's an example. You take two, this is like the best. promotion ever, right? Cuz they want. people to get onto their app. This is an. example of how you are and what you're. doing with your money. Literally, you're. not even shredding it. You're lighting. it on fire and nuking it. Okay, $2,000. You take $2,000, you put. it into the investing app by using Mumu. Boom. Immediate $150 given to you. It's. like an 8% return, something like that.

Then you get another 8.1% APY on the. uninvested cash. Incredible. So, you get. like a 16% return. That's in incredible. That's unbeatable. Nothing does that. It's cuz they really want new users. Woo! Exciting little thing. You're. losing double that just on this balance. of one card of three that we talked. about. so far. And then your IRS debt is. basically the same percentage. It at. least looks like if you've gained. $300, no 10%. It would be about 10%. So. with both of our Discover cards, their. interest rate is really, really high on.

them. So one of the things I keep Yeah. So one of the things that I keep looking. at because obviously what we put towards. it, we're paying most of that in. interest. So um I've been looking at. getting a personal loan that's lower. percentage. It's a lower percentage so we can. consolidate the debt and that way the. interest isn't just eating us. Can I. whiteboard? Can I whiteboard? May I have. a little whiteboard? Uh, whiteboard me. I'm going to have a whiteboard. I'm just. going, you know, I'm just going to write. on a whiteboard real quick if I can. No,

I just want lower interest on our cards. Interest. That's exciting. I'm just You. got to stop spending on them to do that, huh? Oh, yeah. Okay. So C. and it's hard to write. backwards. Am I doing okay? Yeah. How. are you doing backwards that hard? There. you go. Yeah. Kind of personal.

Okay. So, you have your credit card. You have. your personal loan potentially. Credit. card. Oh, they're maxed out. Oh. Oh, what are. we doing? Oh. Oh. Oh, what do we do? So, we open with the personal loan. It all. gets moved over to here. Blah blah blah. blah. That's exciting. That's really. exciting. Oh, man. We made such big. progress. And now it's even lower. interest rate. The minimum payment is. just one minimum payment. It's really.

good. So, what happens? What happens. from here? What happens? We shred them. credit cards so we don't spend any more. money on them. What happens? Because you. spend $8,000 when you make $2,000 and. you spent literally $8,000. How about we. go through the documents and we find out. the you spent $2,000 on bull minimum, which is what you bring in. So, uh, yeah, based on your history, this goes. all the way back up again. Then you have. double the debt. That's double the debt. Do you know that two of these bars is. more than one? So, that's double the. debt.

I think her discover card is the only. card that's active right now. All of the. other cards are inactive. They haven't. even been activated. You mean activated? The card itself, the physical card. I. don't use it. That takes two seconds. That doesn't give me anything. I don't. even know where they are. We That But. you see that we haven't spent on I. haven't spent on my on three. This This. stack is soing thick. Wait. Okay. You. seriously are not going to get out of. this by saying, "Oh, wait. If you only. look at a quarter of my finances, I'm. doing. okay." Go. Sure. Same with everyone else.

on the. show. Such a messy. guy. And I'll gift you an accounting. certification from course cruise if you. that's what's going to help anything. But actually, no, no, we should actually. gift you a true certification. Uh so. that cuz you didn't go to college. So if. we get you into a different career path, you just let us know which one and we'll. gift. it. I was being cheeky at first, but I.

mean that. Okay, Quicksilver. I saw. where you helped somebody with their. resume. Um I don't know if Well, maybe. we'll talk about that. We'll see if that comes up. Quicksilver, $2,1360 with a $69 minimum monthly. payment. Okay, that one's going to be. mine. No purchases on here, which means I am. very excited to see where all these. purchases are coming from cuz all the. math on these spreadsheets and. everything, all these math, all well on.

the first credit card. Come on. But all. this math, it was done by somebody else. because I like to go in blind with the. audience and discover together. Which. means all that math is um in here when. you're going to find out. 12 years off, $49 of interest. So, what's up with. this? Why do we have this? Uh, it was. Walmart actually. It was a Walmart card. to be Yeah, that was the Walmart card to. begin with. And that's the place to go. in Mobile. Oh, yeah. So, we did it to.

get the cash back and then we did not. pay the money back towards the card like. we were supposed to. So, um, that's from. like two years ago, I think all that. debt. So, two years ago. Yep. [Music]. No. What? I wasn't using it last year. What? Oh, maybe that's fine. What? Okay. I thought that it wasn't from two years. ago that uh we used it like a year ago. Uh because it was my Walmart card that.

we were using that I'm thinking of, not. hers. Oh, so one that we will get to. Yeah. Or have we thought about No, they. they don't say Walmart. They they now. say Who's the Savior card? That is me. Saver card. Sorry. No, that one I think. is me. That one's mine. $88,929 with a minimum monthly payment. of. $29. These minimum monthly payments. already. Let's just let's just even just. see where we at. We're at and we still. have so much to go.

through. Yeah, we're already at 25% of. the income that's coming. in. 25%. Okay. Why Why is there a big. balance on this card? Uh, I think it was. just a bunch of miscellaneous when we. first opened and then I just looked at. it. I had Xbox, Xbox Live, Microsoft Xbox on that card. That's what. I'm being told. Possibly. Yeah. And then. we did cancel Xbox Live thing. I will.

say that. Yeah. But I didn't realize. that they were still being paid for on. that card. So this How long? Probably. like six. When did you cancel it? um when I deactivated my card. So, I. don't know, like maybe like four months. ago. Okay. Do you guys play much anymore? I bought it for her, but it just flexed. Two jobs, so I couldn't I couldn't do. it. I couldn't play. [Music].

28.99% interest. Interest is brutal. The interest is. killing us on most of them cars. That's. one of the reasons I'm looking at. personal loan and we've talked about. changeh. You'll shred it but you can re. you can just order and we don't want to. And then you don't listen listen and I I. really appreciate that and I do kind of. believe that to a certain extent. I do. kind of believe that. But the thing is. what happens when a lot of people get. fire under the belt? Whether it's. getting on a diet, whether it's working.

out, whether it's changing their. finances, whatever it could be. Maybe. it's going like uh going on a reading. marathon. You'll get a fire on month, 2. months, 3 months, 4 months. But it's so. natural to fall back in old ways. I'm. not saying you can never escape this, but you are putting yourself in a. dangerous position. If you putting this. all on a personal loan, then all of a. sudden you have the ability to then. spend more on credit cards or open a new. credit. I'm just saying we can do that. We can do that. But we prove we prove.

that we have changed our behavior first. for at least a few months. And you spent. $8,000, you made 2,000. This is not the. time. We do it when we prove it. And you. have not come close to proving it. You've actually only proved the complete. opposite by a very wide. margin. Yeah. Does that make sense? Well, that's why we got the simpler. Does that make sense? Yeah. Okay. Right.

saver. You're a saver. I'm gonna go with. Yeah. 807. Oh, we just accumulating credit. cards, aren't we? So, like a little. collectibles. I actually I'm just going to go with. it's BS. probably. Yeah. Huh? What on the on the. saver? Really? Is this around? Yeah. We. would just spin to spin. I'm being told. there was an iPad and a camera. Oh yeah. Oh, that's what that went on. How do. they know? But you don't.

man. Because they're magician. That was. a year or two ago. An iPad and account. Yeah, that was like a year or two ago. that I would have done that. Yeah, cuz. it was for my birthday. Yeah, that was a. while ago that I spent the money. Look, you all know I love calling people out. on their financial train. wrecks. We've tackled credit cards, payday loans, and more. But there's one. giant money maker we've only scratched. the surface on. Real estate. I have five. houses. That's right, the buy a house,

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how do we know these things? Well, because we told them, we knew then. We're under the spotlight now. So, it. just kind of Okay. I want to make sure. we're not. like in everyone's computer in the. United States somehow. Like, no, I'll. just try not to look at them at some. point. Just pay that that minimum so I. don't spend more money on them. 5 years. to pay off card. 30% interest rate. Yep. Yep. Yep. [Music]. Okay. Another quicksilver card. Another.

quicksilver card. That one's going to be. the Walmart. So, this is the one you. were spending on until recently. Uh yeah, cuz you did stop. Yes. But only the. minimum monthly payments are being made. on all these. Nothing has more than. that. 86921 is the balance of the $28. minimum monthly payment. And we've paid everything on time. always. This is going to be the first. month that we're that we're in right. now. Yeah. That is scary. This is the.

first time we like you can check. We we. don't miss payments. Why did you leave. the good job? Because it wasn't making. any money. They declined. Oh, that's. right. So, how quickly did it decline. over over what period? Like immediately. No. Like it was completely different. answers. Well, it would slow down and. then we would pick up, but um it took. like a year for it to finally get to a. point of it was consistently slow. It. wasn't like a seasonal slow. Yes. Yeah. Why are you okay? And then like see. that's where the crappy job comes in.

play is I'm supposed to get paid. tomorrow. I'm supposed to be getting. like a $1,500 paycheck. But the question. is, am I going to get the $1,500? That's. how long and that's been happening the. whole time. Yeah. And you go talk to. them. What happens? I do. But what. happens though? So, I'm at a type of job. if you come to them and you ask them. about money, they're running off. They're screaming at you. Uh, the deal. hasn't been funded. Uh, you can't get. your money until the deal is funded. The. lawyers will call up there for their for. customers that they've sold cars to. Um, I have been pushing pushing pushing for.

her to get out. And I know it's I know. it's hard, but I like I put my trust, you know what I mean? It's just going. somewhere else as far as sales, a lot of. them you have to have experience with, and that's what she wants to stick to. Uh yeah. Yeah. And and I support it. It's just it's just scary the. job. And talk about leaving me if I'm. not bringing in more money at the other. hand. So I'm just like the last card was. only what do you.

if I don't leave that job. If you don't. leave the the job that you you go there. for 60 hours 6 days a week and they. don't pay you. I told you that we have. to figure something out. That's all that. I said. I'm applying to second jobs. Like I'm trying to do this and that. Like I'm not I'm not going to leave you. I fully support Never mind. No, keep. going. No, I just This is the moment. Say the real thing. I And I have a. hundred times. I support the kitchen the. other day and you were talking about if. you don't get another job. I was I was.

thinking about I'm going to have to. leave you because you're not going to. leave this job. And I was like, look, you think I'm not doing anything about. this job, but I'm talking about my. manager. I'm trying to apply to these. other jobs. Like, no. You've came down. on me about that job and I know I'm in a. spot. I work 60 hours. I work six days a. week. You think I don't know? You think. I don't know I sold 30 cars and I. haven't got paid for 10? You think I. haven't confronted my manager about it? I never said you didn't. Like, that's I. No, you tell me I put up with their. crap. You tell me that I just sit there. and put up with it. That I haven't said.

anything to my manager. I never said you. haven't said anything. I just said that. you're putting up with them. They're. screwing us. They're eating our bank. account. We are not going to have a. home. I get that. But it's taken 2. months. As simple as that. It's scary. because I had two good paychecks and I. thought, man, this job actually is going. to turn around. It's going to be a good. job. And my judgment is crap. My. judgment is crap. It has always been. crap. And I thought it was going to be. all right. But no, that place is bad. It's shady. But I'm trying to make a.

difference. But a difference takes time. I I get that. And that's what I'm. saying. I I support what you're doing, but I I don't know. I don't. quicks her. Sorry about that. No, I. think it's. important. I think it's important to get. a This is what cuz this is what happens. It's so hard. We have an hour and a. halfish something like that. That's. usually what conversations are these. days. I don't have full insight into a. situation and it's hard for me to that's. why I go so hard. That's why I dig so. deep. That's why I really try to pry.

from people because I don't get. everything. But having you guys and then. people come to the camera. They're. nervous about being in front of the. cameras. Maybe they try to look good. Maybe they kind of flop around a little, you know, you never really know. But. that was a real. moment. That's And it's hitting you. deep. I can. see, which is normal and good. Totally. Okay. There's tissues right there if you. want them, by the way. Um, but I feel like that was like the. first like insightful thing. that I mean, I saw deflection throughout.

the conversation. I thought though. that's what I thought then, not what I. think now. I don't fully believe that. cuz that's not. whatever. Here we have a conversation. that you guys actively continue to have, but it feels like it also just doesn't. go anywhere. I. see I see you trying to do something, but obviously you're in a position of. struggling at that job because they're.

but you haven't fully left it. You haven't done what you need to do to. leave it. But it's not just that. You've. only been there for 3 months. I see you. over there putting her in a position. where almost like it's all her fault. You're putting it on her. I I haven't. That's why I just I I haven't I have I. have messages on my phone where I'm. telling her I trust you. I'm telling her. I trust you. I trust your judgment. I. trust that you're going to get us.

through this. I trust you're going to. make all of the right decisions. I have. those messages. I I do trust her. Like I. don't And if I did say that I was going. to leave, it's because it felt like you. haven't cared about what's happening. with our money. I'm not I support you. I've been there every day before work to. go apply for another job. I go every. day. I have to go in at 9:00 in the. morning. It's not very early. It's not. But you know what I do at 7 o'clock in. the morning? I go to these other places. before they're even open. And I sit.

there and I wait for the person that I. need to to get there. And then right. after I end up interviewing with them. because I don't have the experience. I. don't get calls back. You know how many. places I've been to? And I never took. that place. I never took that from you. I never once took that from you. I told. you I'm I'm proud of you. You said you. think I don't care about our money. How. do you think I don't care about our. money, but I'm trying so hard to make a. difference? This is why I feel like you. have a little bit of manipulation. sometimes, right? Come on. You're trying. to look good. Here's another fact, a. reality of the situation and you're.

putting on a different show than the. conversations you guys have there. You. tried to I saw manipulation conversation. and it may have worked on some of the. members of the audience making you look. good. Maybe they saw through it like I. did. But here's the thing. You're saying. right now how much you trust her. That's. what she's saying, right? She's saying. that right here. She specifically talked. to Lindsay and told her I no longer have. trust in her is what she said to Lindsay. the producer. She said that her words.

and it's just it's my dream to go into. sales. It's always been I knew it was. going to be hard to start it. It's hard. to start anything. When you started this. show, were you scared? I'm sure you were. at a moment where you're like, man, I. don't know if I'm going to be able to. make it. But then at some point in your. life, it takes a turning point. When you. start a job and you're making $15 an. hour, you're like, "Man, I I don't know. how I'm gonna pay my bills." But you get. them raises and things get better. It's. just you have to see the light at the. end of the tunnel. You have to believe. that I am going to go to a good. dealership and I I do care because if I.

didn't care, I wouldn't be applying to. these jobs. I wouldn't be taking all. these truck tests and going to every. different job I possibly could to if I. didn't care. No. No. I've drove you to. some of them. We've spent days just. going to dinner. Don't say that you feel. like I don't care cuz why would somebody. that care that doesn't care do all of. this? Why would they not only spend 60. hours a day, six days a week working, but then turn around and do more work by. applying to these jobs at nighttime, going in for interviews in the morning.

time? Like I I we've been to an hour. away from where we live just for me to. apply to different jobs. Like I care. I. care with all my heart. I I've always. been good with money until recently like. and I never I've never taken that. I. know that. That's literally what I said. Like I didn't you know what you said to. the producers who said you've lost. trust. I don't trust the words you say. Okay. Nothing. I mean I I I did lose trust. I.

lose lost trust that I don't know. It's. just I I I I don't know. I just I'm. scared that we're not going to make. payments. Well, now it's about you being. scared. That's what I said. This what I. said that I felt like I couldn't trust. that she was going to make sure [ __ ] was. getting done. That's what I said because. this is the first time that we haven't. had money in our account. We normally. have money sitting in savings. You know. what I mean? Like it's just we don't we. started eating in savings. We still have.

200 sitting up, but we did have 400. You. know what I mean? She bought a $500. dress. Yeah. And she bought a $300 tux. I mean, I don't I don't understand like. I know you guys both admitted that. you're the spender. Mhm. I guess it all boils down to But you put. all the weight on her. I'm not putting. weight on her. I'm not putting I tried. for a second job. She told me not to get. one. I I had a second job lined up. I. had a second job that told me I could.

come in and it was 5t across from the. job that I'm currently not to get it. Absolutely not. No. I said we need to. figure something out about the animals. That's what I said. we need to figure. out some way we can take care of the. animals cuz we have four dogs. They have. to be let out during the day. I said, "Look, if you're getting this other job, what I'm going to have to do is leave my. job for a little bit and go take care of. the animals." And then it was uh yeah, I. guess I really can't do this. And it was. I I did not tell you we cannot get a. second job. That is a complete lie. Okay. Now, before manipulate the conversation.

again, how am I I don't know. No, you. just again she she just said that's not. what happened. But why is everything she says right? But I can't say right because I saw a. manipulator. Because I saw you use. manipulation language on me on Okay. She. hasn't. All right. If I didn't see that. previously, I wouldn't be thinking so. Okay. And then you just do. that. That's like a brat move. What is. that? A brat move? Huh? I mean, I don't.

I don't know. I'm the manipulator. I'm. the spender. I put everything on her. Then we can leave it at that. Like it's. not it's not that though. It goes deeper. than that. Like I Nicole I'm sorry. Nicole. She was right. She she was right. to infantilize herself. She is 15. There. was a time there was a time when I did. say you don't get the second job. So I. ended up getting the second job. But. that was specifically because this job. has promised her management. The job. that she's at. That's one of the reasons. she won't leave. One and two because she. will not make that money anywhere else.

So I told her do not get a second job. because they keep promising you. management. go ahead and apply to a. manager job somewhere else and tell that. job that you're leaving. That way they. will be scared and go ahead and give you. the management job or you're going to. get the management job anyways. That's. the only time I ever told you do not get. the second job because I want you to get. a better career cuz that's the job you. want to be in. You want to be a cook, go. ahead and you know get the maximize the. maximum amount of money that you. possibly can. That's the only time I.

said don't get the second job. How are. you guys ever going to actually have. like a real conversation. where I don't know? We can't even agree. on the reality of the. conversation and then you just shut. down. You just don't say anything. But. then when you But when you do talk, you. I don't know. Just the language you use, it's just just it's it doesn't seem. right. It just it feels manipulative. But maybe it's not. Maybe it's not.

Maybe maybe I heard it wrong. Yeah, I mean there are lots of job. openings in Mobile, but they are all. pretty on the entry level. Nothing huge. side. Lots of just like Walmart stock, you know, stocking the shelves. All of. those. I've applied to then your resume. is probably okay. Do you ever get. interviews? No, I don't even get calls. back. And when we when we when I do get. an interview, I'll go in. A lot of these. are listed at like $20 an hour. I when I.

do get a call back, I'll go in for an. interview. And you told me earlier that. that's a lie. No, you'll go into a job. and you're not actually getting paid $20. an hour. She got this one job. The. posting's a lie. Listen, she got this. one job, for example, and they were. talking about you were supposed to make. what, $16 an hour. She got there and. they were like, "It's actually $11 an. hour and you might get some tips." I'd. walk up and just leave in that. situation. Uh, do you get the interviews. though? Oh, I've gotten a few, but like. maybe you're not good at interviewing. Well, when I go in, they'll say that. that position's not actually open. Do. you want to work like in the Delhi area.

or do you want to work in the bakery. area? And then sometimes the interviewer. is not even there. These might be those. perma job openings. Oh, everywhere you. go says that they're hiring and the. signs have been out for 2 years. Honestly, the reality is you might have. to utilize your 5year experience. Really. boost up your resume and just make it. the best you can. Just try to look for. like just an inoff like [ __ ] job. Like I just I need something. No, no, no, no. I'm saying I think you need to. get away from big box or restaurant cuz. I don't think that's the career path.

that's going to work in mobile very. well. Um I think we just need to get you. into any kind of office. Even if it's. just like entering numbers into just. like some like the most bull job even if. you start a little lower now I just need. you to start getting some experience. If. we're going to stay in. Mobile I think we just need to get some. experience outside of the restaurant. industry. And what I'm saying is a lot. easier than uh easier said than done, don't get me wrong, but uh Amazon. warehouse staff 19 an hour. I really.

don't think they're probably lying about. No, they're not. But that's what I'm I. have applied to all of these things. Like if I pull up your resume, that's. why I asked if you if we could we can. potentially take a look maybe in the. post show. Um wow. Babysitter needed. Windy 27 an. hour. Okay. Okay. I just wanted to look. and see. By the way, I mean, I was told. on that past Quicks over here, a lot of. us is vaping in cigarettes. That's what.

I'm being told. Well, no more. cigarettes, but vaping. Well, when did. you put cigarettes? Like a few weeks. ago. Oh, well, thank you for not smelling. like in my studio. But, uh, please. continue that just for your health. Well, vaping though. We're still vaping. Did you both smoke. cigarettes? Okay. Vaping. Do we both. vape? Yeah. I'm hoping this is my last. one. Will I change my ways? Lord can. only hope. I can only How about you put. on some action is what I'd say. Oh, and. a lot of booze.

Yeah. $30 bottle every two days. I don't. know what that. equals, but. uh what is that? A quarter of a bottle. of wine. A bottle of Bikardi. What's Bardi? I mean rum. Yeah. Bottle every two days. Isn't that a lot? I was Yeah. You were. what? I just in a not a good spot and I. was drinking a lot. Are you in a good. spot? I haven't drank. That's good. For. how long? Uh, I'd say a few weeks now.

Okay. So, everything's a few weeks. Listen, I am very proud of that. Just. get a little nervous when I just hear a. couple weeks. But of, you know, I just. like it's easier to fall back into than. if you're a few months, right? But I. mean, good, good, good. You took the. first step. That's the big thing. And. I'm very proud of that. And just really. keep it, really keep it going. Really. keep that going. Okay. Quicksilver one. What's What's up with this one? We're at. $18452 with the $25 minimum payment. $4.37 interest is occurring. Like we in.

a normal situation, we should be able to. pay this off. And a few months ago, you. could have paid this off cuz you were. making about a dress. What do you What. were you making in December? Your last. month at that job, what was your. takehome on a monthly basis? that one before you left that job. I'd. say she were cooking and serving. So, I'd say she'd bring home like 45. like a month when it was at the low. I. mean, not 45 uh 25. Okay. 20 to 30. But. even still, that put you guys that put.

you guys still just above the median. household. And there's a lot of drama at. where we work, too. That was another. It's a restaurant industry. We've got. servers and cooks. There was um HR this. trying to keep me inside the kitchen, too. And that's only $2,000 a month if I. stay in the kitchen. Plus, your hours. get cut depending on how I'm not saying. I love it, but again, you both doing. 2,000 gets you at the median house. I. seen it as an opportunity for me to go. into a career that I actually wanted to. go into. And because I knew I would be. good at car sales, I just didn't realize.

how much of a job I was getting into or. business. Yeah. These dealership. And I. don't even know how to like you didn't. sign a good Did you sign a contract? I a verbal contractor. That's the thing. That's what So, what screwed me over was. uh our manager actually knew a guy that. worked over there. So, he's the one that interviewed me and. he said, "Well, you're going to go over. there to this dealership instead." So, me and him talked and then I went to the. other dealership to make sure that.

everything was still cool. And he was. like, "Yeah, yeah, everything's still. cool." But obviously, it was a lie. I. don't even get to know the prices of. cars. They just they literally tell me, "Do not tell people the prices of the. cars." So, I don't know what they bought. them for. I don't know what they're. selling for. It's a shady business. Yeah, sounds like an odd run. Okay. $840.55. owed on an Amazon card. Maybe we should. work there instead. $29 minimum fee. payment. Four years to pay it. off. Here's. purchases. So, instead of getting money.

from them, we gave them less interest is. acrewing. Shocker. It's Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Who has the Amazon account? Oo, that's. going to be me. You want to look at my. thing? I want to look at your thing. I know. I was just told how to do this. This can't be all the orders. No, I had. more orders on this alone than is. showing up here. Uh, all I can think is. maybe Do you have Amazon? No, that's. that's all that that is. And I don't. know what a lot of those things are. So, I actually if I froze my account, I do. believe. Well, what the [ __ ] is.

happening? I absolutely have no idea. 4. 5 6 7 What's. it? Well, either way, it's like some. bull clothing straps and height increase. insoles. Come on. What are we doing? I'm. sure it went to the cool. Congratulations. Embrace it. Ferning. woman's shaw wraps. Oh, wait. Here's. some buy. again. Uh, okay. Some weird lifestyle thing. The. world's. smallest lighter. Great. That's great.

Black cat hiding thing. Wonderful. Uh, Japanese little I'm getting changed. behind this thing. We need a That's what she said. None of these except for maybe the. fitted sheets. None of these are. necessary. It's all [ __ ] when we're. dying. Those are such old purchases. Well, I don't Okay, fine. Well, then. your purchases within the last like I. don't get how I'm seeing Did you go into. a Whole Foods and buy stuff? Oh, no. I.

don't use that card anywhere. What are. the What are the prices? Cuz it might be. like a movie. Oh, well, I guess it could. be. Yeah. Yeah. So, you're renting a lot. of movies. on Prime. We'll buy some here and there. Even still, you don't have money. Lowe's. How many cars do you guys need? Yeah, that one we open cuz you got 10%. off whatever it is that you purchased. And we had to we moved into the house. We needed a washer, dryer, and lawn. mower and some fencing for the dogs. $41.

minimum monthly payment. $73.52 interest. $16.28. Please no more debts at 31%. [ __ ] Is this a loan? Yes, that was cuz. the best egg. So best egg we got it out. because we owned a camper originally. that we lived in. Oh, well you still do. basically. Yeah. Yeah. Yeah. My mom.

pulled out a personal loan for us, so we. we pulled that one out to pay her off. Oh, why did she pull out a personal. loan? Cuz I didn't have credit at the. time. Yeah. For what, though? For the. trailer. Oh, for the trailer. For the. camper that we bought. Yeah. Oh, guys. Where's the camper? We uh used it to put. down for the house we got. Well, we made more putting it. So, essentially, this person alone is for. your current house is how that math. works out in the end. Sure. Yeah. Yes.

$15,7563 is an insane loan for you guys. to have. $57.76 on a monthly basis. I don't know. how the you can afford that. You can't. You can't. We could. You can't. Could. can't. I wouldn't have quit your job. I. understand the career thing, but you. were making 40. No, you're making about. 3,000 hours a month. Like, is it great? No. But. what's the interest rate on this? 17%.

It's better than 28%. Sure. It's better than 50%. It's better. than 109%. What? Okay. I just mean for a. credit card or something like that. Yeah. Let's put a house on a credit. card. That makes sense. Okay. What? This. is so [ __ ]. stupid. So your mom took out the. personal loan for you. Okay. When did. you take this out and pay her back? um. pay her back in 23. What did you get for the trailer when. you sold it? We used it as um like a. trade in more or less. So we got like.

Oh, cuz you have a trailer. So I think. it took like What was the trade in. worth? I think like 5,000 maybe. We got. $15,000. Yeah, but the trailer we bought, the. dude that sold it to us, he he hid. everything that was wrong with it. So he. would point out it How many mechanics. did you take it to? Uh, we didn't. He We. had a No, that thing was falling apart. No, it was falling apart. He had He. showed us the stuff that was wrong with. it. And why would you not take it to.

aing mechanic? We bought it from a p. It's a It's a It's a trailer. It's a. It's a camper, not a driving camper. It's a camper that sits. It's a fifth. wheel camper. It's not a driving RV. Okay, I get it. I'd still try to get it. like inspected, whatever that version. is. Just like a home inspection. I know. I get it. But it doesn't work like, you. know what I mean? Everybody lives in. campers and trailers and and and. everyone lives in campers and trailer. What do you call in Mobile? In Mobile, everybody I mean almost everybody. Not. everybody obviously. The is Mobile. This.

is a crazy place. It's Yeah, just straight redneck. But. listen, there's something for. everything. Like I bet if I Googled I. could find someone who was willing to. come inspect the camper before I buy it. It was just we didn't have like we we. got the camper. Like I said, he showed. us everything that was wrong with it and. hid the things that weren't. But like. the second day in the AC went out and. then like we found out the side wouldn't. go. Wait, wait. So, how much did you buy. the camper for? 11. How much did you. have to put into repairs? We didn't. repair anything. We at 15 like Why is it.

15? What? If the camper was 11,000, why. is this at 15,000? Because we paid off. some of our credit cards, but the extra. And then and how'd it work that time? Should we do it again? Should we do it. again? Should we do it again? Should we. do it again? Should we do it again? Should we do it again? I don't think so. Obviously, proven all of it. Obviously, you've proven that you're incapable of. actually doing it. Okay. Utilizing it. correctly. Oh my. There is still more. debt. This is [ __ ]. insane. This is insane. What are we on?

1 2 3 4 5 6 7 8 9 10 11 12 13. What the. is a P air car? That's our car. Oh, it's. an Infiniti. Yeah. Yeah. QX60. Mhm. Four-wheel drive. 18,000. 1800. So, I had a Nissan. And they tacked on. You rolled it over. They rolled it over. Yeah. Her car. started breaking down and we bought this. car. Cars do. Who would have thought? Maybe have an emergency fund.

[Applause]. Wait, wait. No, that's your checking account. that has that. What is the minimum. payment on thising thing? 382. 480. Why did I only have We pay We pay. We pay 500 a month. We pay. extra. We pay $20 extra. What's the. interest rate on this? 4.9. But see, when we bought the car, it was when cars. got uh were the most expensive when like.

when they were like extremely expensive, whatever. But what was wrong with your. car? It just it wouldn't start. It was. at So Oh, no, no, no. It has a CVT and. what you're supposed to do every 30,000. mi is you're supposed to change the. transmission fluid. So, what ended up. happening is I went to AutoZone and I. asked them what kind of uh transmission. fluid I needed for it. They gave me the. wrong kind. So, I put that in and next. thing I know it just started driving. really bad and then and then it stopped. Yeah. And that's expensive. It's. expensive. It's not $20,000. No. But.

then there was something uh we we paid. like 1,700 for them to fix something on. the car. Um but they didn't fix it. I. mean, the car was only $7,000 and it. didn't fix it. The car turned off when. we left. Like, it stopped driving while. we were driving. So, we went to get the. new car. The new car that we got, he. told us when we bought it that it was a. 2018, but when we were signing papers, we found out it was a 2015. Like, we. just we got jipped. And why did you. continue signing? I I don't know why we. did. We just That seems to be a common.

answer throughout the entire. conversation. Some of that is going to. be the gap insurance. We got theft. insurance cuz it's Mobile. Well, it's. worth somewhere around $12,000. It's. Yeah, we owe 19. But again, that is like. interest rate 4.9. Surprising bright spot in this entire. conversation. We have good credit. It. was really good. Now we have good. credit. I'm at a 70 four and I don't. know what you're at. It's not good.

Okay. Then this is also a checking. account. 769 in there. Savings 318. Okay. Oh, baby. Here we go. Let's see. how we got those numbers to begin with. It doesn't count if it's all in a. checking account, right? Cuz it's not. our credit cards. That's what you were. bragging about the entire conversation. I wasn't spending on my credit cards. It's not like So, this is fake money cuz. it's not on our credit card. Great. Papa. John's cash app out. Went in. Got some. bull Burlington. Going to Burlington.

Going and getting some bull. Going in. and getting some bull. Spencer's gifts. I'm sure you guys already have enough. We don't need more. Oh, package store. Taco Bell. Going in getting some bull. Marshalls Lash and Brow Spa. $40. Package store. What the [ __ ] is a. package store? Why am I seeing so many. package store? Going inside. Get some [ __ ] Going. inside. Get some.

[ __ ] Going inside. Get a bull. Go. inside. Get some. Go inside. Get a bowl. McDonald's. Liquor. Pizza. Hammered cow. Sushi. I think I'm going to get sushi. later. I'm in a sushi. mood. Season finale of Severance. tonight. I'm very excited. Incredibly. excited. Oh my gosh. What a show. What. an incredible show. It'll be better than. Succession if they finish this show. perfectly. And I want some sushi with. it. Oh my gosh. But then you guys went. in and got some went and got some bull. Dairy Queen. Maybe I want some Dairy. Queen with my Succession. Nope.

severance that I was on a work trip um. for. the Where are you going? You're a I. opened up I opened up I'm a team lead. and I'm the trainer. They have a second. location. We have We have transfer to a. better location. 30 something. There's. nowhere. I It's not in Mobile. It's in Orange. Beach. It's in Pensacola. I I did try. It's just they don't have places open, positions open. I opened up a store in. Lafayette. Dairy Queen coffee Netflix.

Go in and get into Go and get in some. [ __ ] Dairy. Queen, Canada sweets. I like I'm going. to let you in on a little secret. It's a. little secret that we my family did when. we wanted to do little cheap trips. This. is what we did. I don't know if you know. this, but you went to you went to a. different city, right? If I'm not mistaken, that city. probably has a [ __ ] grocery store. Jet Coffee, Disney Plus, Apple Bill, Smoke Shop, Dairy.

Queen. You in the lobby of the hotel got. Swipy little Swipe Swipe Apple Bill, Apple Bill going the Dairy Queen Cash. App. Also, don'ting do that ever again. unless they're reimbursing all they did. That's what she said. How much did they. reimburse? I got $25 a day. Girl, you spent $25 a second. Oh, first food I got re Yeah. I mean, but you got food every time you took a. step. I got food every day.

Yeah. Nine meals. Oh my gosh. Apple bill. going and got getting some bull to Dairy. Queen. You went to Dairy Queen every 5. seconds. Okay. No, this is serious. I'm going. through a couple days here at a time. Like this is like the one day for five. reads that I'm doing. Cash rapping out. Superior grill. Getting some [ __ ]. Coffee [ __ ] Feast buffet. Apple.

bill. Apple bill. Going to get some. bull. Going to get some bull. Apple. bill. What the are we doing? 40 dollars. on this. No, it was $3. Liquor. McDonald's. Getting some. bull. Oh gosh. Oh gosh. Asian Express. Putting on the rits. Putting on the rits. Asian Express. $548. No, that should be the dress. Putting on. the rits. Oh my. Yeah, the line's weird.

Going to get some bull. McDonald's vapor. smoke shop. Get in some [ __ ]. Getting some [ __ ] Apple. Simply. seafood. Going in getting some BS. Aztecs. container. Aztec food. That's what I'd. get in. Alabama. Okay. Cash apping out. Quick. stops. Going and getting some BS. Going. and getting some BS. Pizzeria. BS. BS. Cash app out. Beauty.

Supply. You guys stop at the gas station. every second of your lives. Or obsessed. Or obsessed. If you don't stop at a gas. station, you like burn or something. I. don't. know. Pop fit. BS. Papa John's Brow Brow. [Music]. Spa. It is a fat stack for sure. That is. not a good thing. Okay, so 2,000. We'll. call it maybe $4,000 comes in. Let's. just say let's just say that. Let's just.

be generous. We'll say assume you get. paid. Get your total debt. Oh, wait. Do. you you But what about the land and. stuff? Do I have that? The mortgage. It's It's 975. Yeah. What's the balance? I don't know what the balance is. Oh, [ __ ] come on. 95,000. interest. It is. I don't even. [Music].

[Applause]. remember, guys. What the are we doing? I don't even know the interest damn. thing. I don't even know down to the. point, but you'd think you'd know pretty. darn. close. Come on. It's such a process to. get to it. You don't even know what it. near is what it's near. Okay, you keep.

looking. Answer me. Utilities, how much. on a monthly basis? Um, I don't know. Power is normally 180. We talked about all this, didn't we? 180. 15 for water and 40 for trash and. 80 for internet. Okay. Utilities 315. Gas room, drive, drive, both of you. combined. 250. combined. Yes. Car insuranceances? 215 combined. Phone bill?

180. Why? We we bought um bought so her. phone Yes. finance her phone uh broke so. we went to go get a new one. We it was. only 130 but T-Mobile kept adding um. they T-Mobile you do T-Mobile. We're. under my mom. We're not on our own. Okay. If T-Mobile is good there when. you're done when it's paid off, switch. to I don't I don't know why we. didn't or whatever. Whatever. Helium is. T-Mobile's tower. So if T-Mobile's good.

where you are, do that. 15 bucks a. month. 8.84%. 84% stuff. It's not great. It's really not great. Mortgage rates. around like 6%. Okay. TP fund. We can do. like 150 bucks. Anything else you need. to survive? Got to make it a little. lower. Probably don't even spend that. Listen, I saw your spending. I know what. you have to do. This is the [ __ ]. beauty stuff. This is toilet paper. This. is everything. Makeup, whatever. $600. for necessary food. Use the cookbook. The cookbook we made, the budget. friendly cookbook. You get it with the. budget and app.

Medical, healthcare, any outgoing. expenses on a monthly basis. Pets. monthly basis. Oh, uh, 250. Not even. going to put in pet insurance. Unfortunately, we should, but anything. else that needs to be in your budget. that I'm not taking an account for? I don't think so. Think hard. No. While I do some. math. So, even if you make $4,000 a. month, you're under by 515. And we make. a little over 5,000 a month. really cuz.

she brings in over 2,000 and I brought. in 3,000 sometimes though, but you don't. know if you get paid. If you do make. $5,000 a month, you can have an extra. like four$485. We normally have money sitting in our. That's what. we normally do have money sitting in our. savings and we we just don't we're not. even in savings and in our account. There wasn't much. It's not much. No, but more than what most people have. Yeah. Same with that though. I don't. think that's true. I don't think.

Okay. Okay. So, we'll call it. 484 left on a monthly basis with a very. strict budgeting. I mean, guys, I even. have the balance of the mortgage on my. bad debt. Bad debt. Not even including. the mortgage, which isn't great cuz some. of it's wrapped up in that depreciating. asset, but the land is good. I just. don't know what the land is worth. What's What's the land alone worth? 25,000. Mhm. I don't know. That's the. Why the would that guy buy it more for.

more than that? Cuz he doesn't want the. trailer. Yeah. He's about to build a. house right next to us in the land he. has. One, he rents out houses and two. because he has a cow farm and there's a. lake right behind us. Yeah, but he. doesn't want the trailer. Yeah, he he. would rent it out. He owns Yeah, he he. rents out 100 houses. Okay. Okay. Well, it takes 109 months to pay off. currently or 9. [Music]. years. Yeah, it's solid. If you can get. it for the price, that's solid. Get rid.

of that 8% debt where most of it's. depreciating anyway. That gets rid of a. minimum to payment. You're going to. replace that with rent in a different. city. Let's move. We need to move where. there are better care opportunities. I'm. sorry. That is a part of capitalism. No. town is entitled to have. you. [ __ ] them. They have a bad economy. You leave. You start a life somewhere. else. You can drive within a easily, you. know, within a day there and back if you. really want to. It' be a very long day. from uh from Georgia, you know, and.

maybe we do that cuz that is a boom in. town right now. And maybe we do that. Rents going to be higher, but you also. are going to get a better paying job. You I don't know what your resume looks. like. Let's look at it in the post show. But. like you you can get a better paying. job. You can get a better paying job. We'll get you guys course care. certifications that you have to do that. personal loan. I'm okay with that. Only. if you prove for 3 months that you are. fully filing my following my tight. budget. Even still, honestly, with how. long it takes to pay off the debt, I'd.

almost be okay with bankruptcy, too. I. don't necessarily want you to do that. No. And let's not do it. That's fine. Okay. But I'm only allowing the extra. stuff if you follow my budget of three. months. Sell it. If he takes $95,000, I'd be impressed. I don't know if he's. gonna get the return on investment he's. hoping for because if he rents it out, he wants a return on investment. I don't. know if he's going to get it with that. $95,000. He likes to flaunt his money and he. likes this a lot. That's where Yeah, but. people that flaunt money usually do. pretty okay money decision. Well, not. No, no, no. He probably Well, how does.

he flaunt it, though? He sounds like a. casino. He spends. thousands. Maybe he'll be a D and an. overspend. I don't know. He likes two. little lesbians. I. mean, definitely works out. Okay. Well, I hope that works. Then you. go make more money. You live on a tight. budget in an upand cominging town where. there is opportunities to be made and. we're able to pay off your debt. If we. can get this paid off in 5 years, I'd be. happy. Let's do that. Let's grind down. You won't even be 30 yet. You'll be 31. That's fine. I'm 30. It's okay. I still. feel young. Kind of. Maybe a little. I.

don't know. We'll see. But listen, if I if I started my debt. payoff journey 5 years ago and it was. going to be done one year, that'd be. okay. Or four years ago and it would be. done one year, that's okay. That's okay. You guys have a long future ahead of. you. Let's make it actually. proper. And with also being able to have. mature conversations. That's the part. I'm a little nervous of. I'm a little. nervous of how sometimes we operate. There is a maturity level that needs to. be kind of brought up to speed and.

that's something you guys are going to. have to work on with like a therapist or. something. Spending within a budget, you. overspend dramatically. So 0 to 10. Debt, you have IRS debt. That's crazy. 0. out of 10. Yeah, we're going to have to. get on that payment as soon as we can. improve our income situation. That was. so long ago now that I almost forgot. about it. It's like an hour 40 minutes. ago. Emergency fund. I'll give you one. out of 10. It's barely anything. That's. being generous. Retirement. Is there. anything? Yeah, that's horrible. 0 out. of 10 losing the best decade of your. life for compound growth. Real estate, you have land, but we have an. appreciated asset. This is not a great. real estate thing. I'll give you three.

out of 10. It's not a good position to. be in necessarily. We'll see. Round it. up. Hammer financial score 1 out of 10. Guys, join us in the post show. It's. always great. We are one of the largest. memberships on the entire platform and. it's because we offer more value than. any other membership on the entire. platform. Literally a video every single. day. That's where we're about to be for. your Hammer Elite. It's incredible. It. is more content than any other. membership offers. So, make sure you. join that. It really helps support our. channel. But if you want to join.

something that improves your life, simpler is the way to do. Download that. from the app store now. Check it out. See you in the post show. You continue. to say that she said things that she's. never said. Sexual tension isn't even as. much there right now. You guys don't. find attraction to each other right now. I cook dinner every night. I'm a. housewife. That's what I do the. cleaning. I clean. Why do either of you. want to be there? Okay. I don't have a. choice right now. Money's tied together. Is that how you really feel? Did you. just hear that? Right words from out of. her mouth. To watch the financial audit.

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