Financial Audit's First Throuple

You know what she wants to do, guys? Has. she discussed it with you? She wants. everything to come into one account and. then give you two allowances. >> The one who makes no money handing out. allowances. >> That's That's not what I was thinking. Yeah, I told you that before. >> And you guys talked about bringing in a. second dick. It would get more. affordable. >> Just a penis. >> You'd be a loved peanut. >> Is this you guys again? >> Yes. >> Wow. Okay. Everything is done. >> I don't have any credit cards open. Why would you want to come into this? Do.

you just want to combine so that we have. her income? Caleb, you mind if I take a. second? Can you guys take a second? >> Thank you. >> He's probably going to need time before. he comes back on. >> He's going to shut down. >> Sign up for the new and improved. Dollarise budgeting app. Take the free. trial and if you like it, sign up for. the annual version to save a ton of. money and get my budget friendly. cookbook signed by me and mailed. directly to you. And for a limited time. only, if you want to bundle all of my. educational programs together with the. budget app, join dollar wise central and. save 80%. Take the trial and learn more.

at dollarwise.com. >> Hi, I'm Ella, 31. >> I'm Joey. I'm 37. >> And I'm Alice, 34. And we're from. Tucson, Arizona. And this is the. financial audit. >> The financial audit. We're here. Um, what the uh I have never experienced. anything like this before. I'm going to. need someone to just tell me what the. this is. >> So, this is. >> Educate me, please. >> This is polyamory.

>> at its finest. >> I I I did. Yeah, I picked that part up. The who's doing what and what's going. on. >> We're doing each other. >> Yeah, we're we're all together in this. together. >> Maybe my brain is very binary. Um, maybe. my brain's very binary. I'm trying to. figure this out. >> Is anyone married? Who's been. >> Someone's married. Who's married? >> We are married. >> You're married? >> Yes. That's our girlfriend. >> You don't So, okay. You're third. wheeling on a permanent basis.

>> No. >> It's okay. I know what I am. >> No, no, no. >> Nor do you get legal protections if this. thing goes sideways. >> No. The state doesn't recognize or. condone any of this. recognize anything. ever. But. >> Joey here. >> is a big softy and if anything ever went. wrong, he would still take care of. >> or he wants double the holes. I don't. know. But. >> how long have you guys been married? How. long have you guys been together? >> We've been together about 11 years.

>> Cool. How long have you been in this? >> So, I met them about 6 years ago. Um, >> what were they like looking at you. across a bar? Uh, internetwise. Yeah. >> What was it? A Poly site or something? >> Oh, was it was. >> Goc Cupid, right? >> I think it was a Cupid or Plenty of. Fish. One of those two. >> It's a hot one for poly couples. >> You've been with them for 6 years. >> I've been with them officially for 2. years, but we kind of dated on and off.

for like six years. >> How's this dynamic? Cuz this is a. financial audit with a lot of paper to. be very clear. >> A lot of paper. That's mostly ours. >> What is the damic? >> Um I don't think we have one quite yet. That's kind of. >> Yeah, >> that's kind of why we're here. We want. before anything gets to a point of super. serious, we want to get this figured out. because like we're in this for the long.

haul. This isn't. >> how cuz not legally. >> financially. and she's. she wants to be with us and we want her. to be with us. So, >> well, I'm a pretty open-minded dude. I'm. just a little lost. >> Yeah. >> Um, this is never been my thing. personally. I' I'd rather be. >> Have you tried it? >> Well, no. Oh, wow. Oh, she's still.

going. Oh, now they're all going. Okay. Wow. Okay. I we got him flustered. Guys, now's our. time. Take over. >> I just uh must the government approve of. everything you do in your life? >> No, but that's where a lot of legal. protections come from. I recognize that. >> Um we we don't plan on having children. together. Um we're all done having kids. So. >> Oh, there are already kids. >> There is already kids. Yes.

>> What's the kids situation? So, we have. uh three children and she has. >> What's the Oh, you two together? >> Yes, us together. >> Do they live at home? >> Yes. >> What do they think of mommy number two? >> Uh they. >> do they call her second mommy? >> They Yes, they love her. >> Now, what do they call her? >> Um. >> they've got cute nicknames. >> They got nicknames. >> One of them calls me syrup. >> Syrup. Yes. >> Cuz she's just so sweet. >> Yes, Syrup is definitely the favorite. Um so, yeah. Uh we Yeah, they they.

really do. They adore adore her. >> How old are those kids? Those three. >> uh 16, nine, and two. >> And then I have a 13-year-old. >> And wait, do you guys all live together? >> Sure do. >> Yeah. >> How long have you all three lived. together? >> About a month. >> What the Why is that so new? >> Uh. >> Whoa. Okay. And what does did the. 13-year-old move in? Yes, she moved. She's been house busy as [ __ ].

>> She's been living there about like 3. months. >> Yeah. >> And we're not the only occupants. >> And the What does the 13-year-old think. since, you know, they're like obviously. there's a, you know, they're together. more officially. >> They're kind of there. >> They've kn Well, they've known for them. as long as I've known them. Like our our. kids have all kind of grown up together. And the 16-year-old really doesn't think. it's interestingly odd. >> The 16-year-old probably loves her more.

than he loves me if we're being honest. Cuz um she's a gamer, like a big gamer, and so is he. And so like they just. connect on that level. And like the PC. building, >> as you get more and more parents, one of. them is bound to like video games. >> And I do too, but he's just like way on. on that that level with her. So, >> okay. And again, this is financial. audit. I don't really give a what you. guys do. Trying to learn the day.

>> Nobody gives a what we do. >> No, it's like they make it a point to. give a what we do. >> No, I mean, I'm curious. I don't care as. in like we do what you want to do. It's. fine. Like, I'm not going to, you know, freak out. Um, but this is financial. audit. We care about the finances with. this. And this is a very curious. situation. And I'm just I'm really. trying to learn the dynamics. So tell me. what do the how do how do the finances. work in this. >> collection. >> right now poorly. That's what we're.

really trying to figure out. >> Well, less of an answer. I'm more trying. to understand how is it currently going. on. What is happening? >> So I'm pretty separate from things at. this point at the moment. >> Okay. Clearly. >> I've always. >> Come on. You're a mole on the. relationship then. >> No. If she's separate, if she's not. married, if she just moved in, like you guys are on tier three, she's. on tier two. >> Sure. >> I'm on a different level. >> We're looking at fix. >> How do you feel about that? That must.

not be great. I wouldn't be very. confident. >> Um I I've always been in control of my. own finances, so I know letting. >> Yeah, I'm talking about in the. relationship, dude. >> We want. >> I wouldn't feel very confident in my. status of the relationship. >> We honestly want everything more. integrated. So I. >> You sleep in the same bed? >> Yes. What size bed? >> It's a king, but we're looking at. bigger. Yeah. So, we we used to have two king. beds put together, which was fantastic. And we're going to do that again. eventually, but right now it's just not. it's not in the cards. So, it's just.

very cozy. Very cozy. >> in a million degrees. >> Lindsay, are these people real? >> These people are real. >> Oh, they're cute, too. >> All right. Well, >> so yeah, I like taking care of my woman. I do. And. >> what about your man? >> I take care of him in different ways. >> That's That's. >> What are you Have they gone lesbian and. they're pushing you out? What's. happening? >> Listen, >> I've always been a lesbian. It's fine. >> Do all the work.

>> He's a very pretty lady. >> Wait, are you the All right. All right. Let him talk. Let him talk. Oh, okay. Well, she's. >> noises constantly, huh? >> Always. Yeah. >> It's endless. Uh, you really think that. you're getting one thing and life comes. at you from a different angle? Are you. married? >> No. >> Well, first off, masletov. Um, second of all, when you get there, you think to yourself, uh, look, oh, there's going to be a woman around all. the time who cares about me, loves about. it's just dirty clothes. It's a lot of.

dirty clothes. There's a lot of reasons. why not. >> living with me, not married, but. >> how's the clothes situation? very organized and clean and nice. >> Put a ring on it. You'll see the. difference. >> He got with barn animals. We are We are. problems. >> I wasn't going to say it. >> Well, somebody had to. Um, so anyways, yeah. No, I I like. >> Are you the bread winner? >> Yes. >> Do they work?

>> Yes. >> Uh, >> I guess I haven't answered that. question. Let's go left to right. Alice, what do you do? So, I did own a coffee. shop. We had we we had to sell it. >> Um, we opened. >> Why? >> Well, we opened over a year ago. Um, a. few months after we opened, my sister. passed away. >> Okay. >> So, then. >> why did it not open back up when you. came back? >> So, it did open back up when we came. back. Um, and then the 3 weeks after the.

the funeral, I got into a car accident. and my car was totaled. >> Why? What are you doing? >> Um, I was stopped waiting on a car to. turn and a lady rearended me going like. 60. >> kind of like. >> back here. >> Back end. So, >> sandwiched. >> Yeah. >> Yeah. What do you do for a living? Uh, so now I do ghost tours and I am a. teachers aid. >> Okay. I assume the second one is what. makes your income.

>> Uh, actually no. The ghost tours pays. more. >> per hour or net. >> Uh, so it's actually per job. >> Per job or net? >> Uh, >> which one do you make more money from? Net? >> Net would be the ghost stores. >> Okay. So, what hits your account on a. monthly basis? >> Both jobs. >> Both jobs about 1,500. I guess this is how to make it in. single inome households not enough. Dual. income household maybe not enough. anymore. >> Not in this economy. >> Bring in a third and all of a sudden you.

got a triple income household. >> I guess it's a way to do it. >> And we actually have a quadruple income. household. >> No. What? >> So my. >> what are you bringing in a guy? >> Well hopefully balance it out. >> That would be great. So, >> no. You want to quad it? >> Looking. Uh, >> do you guys actually want to quad it? >> That would be great. >> So, you weren't good enough. They're. moving on. >> No, it's okay. I get it. >> No. No. Not moving on. Moving together.

>> It's It's about sharing the love. >> It's not one one person love another. We. love everybody. >> We love all of them. >> So, if you're looking and you think. we're cute. >> Okay. So, what is this quad? What's the. quad? >> Uh, >> you said there's a fourth income. So the. fourth income is actually my parents. >> So. >> they live there. >> They live there. >> What is this house? How big is this. thing? >> About 2,000 square feet on. >> Oh no. About 5 acres. >> Insane. Huh?

>> Well, the acres is okay, but it's not. like people are sleeping outside. >> I've considered it. >> Uh yeah. What do your parents think of. the. >> Oh, they hate it. >> They're very religious. >> Yeah. >> Oh, wow. when they live there with you. coming on in. >> What the crazy part is they actually. love her. >> They just. >> they love her individually. >> Individually. They like to think of her. as a friend. >> Coping. >> Coping. >> Coping. >> Yeah.

>> Oh, good. Okay. [Music]. Okay. What do you do, Joey? I teach. Cool. What do you make? Well, what your. accountant? >> About 80. >> What? 90? I think it was I think it went. down to 80, didn't it? >> Give or takeish. >> Yeah, about a month. No, no, no. A. month. What? >> Uh 40. >> Are you the one that runs the household? You definitely seem like the pants. >> Yeah, I run the household. >> Yeah, I'm getting that vibe. You're. dominating the conversation. The airflow. is filled with your noises.

>> I have so many noises. Those aren't even. all of my noises. >> I don't want to hear the rest. Okay. So, what hits? >> Uh about about 44. >> Good. All right. Um, and I guess this. will take about 33% longer because. there's 33% more people in this. relationship. >> So, I was actually doing housekeeping. for a hospital. Um, but I just recently. switched back to nursing assistant. >> What do you make? >> Uh, it's about 20 an hour. I don't know.

at this point. Usually it's like 40. hours. I haven't started. >> What has the account? Well, it's. separate still. So, you don't know. >> I don't know yet. No. Do before you. moved in, what did you guys talk about. finances before she moved in? >> We did. Yeah. >> So before I was making 25 an hour plus. well plus differentials. >> What are we knowledgeable about the. financial situation? What are you. knowledge about their financial. situation before you're lumping on in? >> I know that they have a lot of debt. >> Yeah, we've went over it. I I don't hide. >> went over the debt part of it. >> Do you know the number? >> Uh not the exact numbers.

>> Okay. What do you guys know about her. financial situation? >> I'm I I'm very well aware. Um. >> what is it? Uh, it's a few thousand as. far as I'm aware. >> I have one for 10,000 and then like a. couple of little ones. >> Little ones. Yeah. Uh, >> of course you're wearing a pineapple. shirt. You've. >> You've So, we actually picked the shirt. for him today. >> I'm sure. Okay. What do you know about. either sides of the finances? >> I I can't express enough that I have. tried to live my life in a way where I.

don't have to think about money and. money has come chasing me. Um, my goal. has always just been to to earn as hard. as I can, as much as I can. >> But what if it just goes out the door? Then you have to earn more. >> I I Yeah, that's really come up on me. Um, and Alice over here takes care of all. the numbers. Uh, or. >> is that working? Apparently, you guys. have a ton of debt according to Ella. >> Yeah. >> Yeah. >> Yeah. It's uh it's been a rough couple. of years. Uh, and so no, I um I know.

almost nothing. So everything you. probably know more about my situation. than I do at this point. >> I don't know anything. Yeah. Other than. you guys are together. I don't know how. much. >> I probably know more. >> Okay. So you don't know what hits your. account from this job? >> Not yet. No. >> Okay. So it's 20 bucks an hour. No. income tax in Arizona, right? >> Is there? >> Yeah, there is. Yeah. >> Uh must be relatively low. >> Yeah, they they just readjusted. everything to like a a flat percentage. and I don't remember what it was. >> Yeah. >> Okay. All right. Times up by 52.

Assuming some time off. $41,600 a year. Divide that by 12. I'm going to guess. it's about $3,000 a month. >> That sounds about right. Yeah, that. sounded about right. Yeah. >> So, why are you the one running the. household finances when you make dick. compared to them? >> Cuz he can't do it. He won't do it. So, when we first met, >> well, why aren't you making anything? >> What do you mean? >> You're making nothing. You're barely. contributing to the house. >> Oh, cuz I take care of the kids and I do. all of the other stuff.

>> You're a stay at home mother sometimes. sometimes. >> Yep. >> Okay. >> Is there a button on there for. stay-at-home mother? >> I'm pushing it right now. And that's. only equally and even with you guys. three together making a lot less than a. lot of guests on this show at. $8,900 a month now. It's not bad, but. that's with three incomes. >> Mhm. >> Uh and that's that's 106. I mean 106 is. great, especially for dual household. income. have no idea where it fits in. terms of a triple household income, but.

you'd think it'd be a bit higher and. it's cuz you're not contributing very. much if we're being completely honest. But if you are contributing to taking. care of the kids, that is considered. contributing something for sure, just. monetary wise. >> Yeah, I do a lot of cooking, um, cleaning. >> But why aren't the grandparents taking. care of the kids? They're living there. >> She does when I am working. Um, >> so work more and have her take care of. the kids more. >> She can't handle it right now. Her. bandwidth is her bandwidth. After my. sister passed away, she kind of lost it. And then we also had her mother pass. away very quickly after that. And then.

after that, we had my nephew pass away. So we had three. >> Is she in therapy? Where is she now? >> No, she's just. >> How old is she? >> She's handling it. She's 60. >> Okay. She's not handling it. >> She's not handling it. No. So we have. >> She's not contributing to the house. >> She is another way. >> And papa, >> he works. >> What? Okay. What's he bringing in? He's. um he's pest control. >> Is he included in the household income? Like how does this work? >> So they pay their own. So they just pay. a flat rate um every month.

So. >> Okay. Are you bringing in debt into this. relationship? >> Uh yeah. >> So how much debt do we think we have. across the board? If you know the. finances and if you know the finances, what do you guys think now that we are a. combined household? Are we trying to get. triple combined finances? Um, in a. perfect world, we would like something. where like all the bills go into one. account and then. >> they don't view you as equal. >> What?

>> Cuz you're not doing that. >> We have. >> You said in a perfect world I I asked if. we want to and you're you didn't even. The answer would have been yes. >> Well, yeah, I do. But. >> you just said in a perfect world, we do. all this. Meaning meaning what people. say after in a perfect world is but. >> no th this isn't me. This isn't me. This. is getting her on board. So, in a. perfect world, I would like all of the. bills to go into one account and then we. have a savings account for um in case of.

an emergency. >> And then I have trouble letting go. I've. always been in control of my own money. So, like letting. >> Why are you getting into an uncontrolled. situation by far? >> Oh, >> not a very secure situation legally, nor. >> I mean, I won't lose anything. uh. >> uh other than housing and. >> um. >> relationships and yeah siblings to your. >> I know. >> child and. >> but that can happen in a normal. relationship anyways can but there are.

legal protections and when divorces. happen and there are kids situations. >> yeah but in those legal protections how. many people really stick to them like. legitimately. >> well a court would hold them to it if. they don't. >> sorry um sure sure they. Yeah, >> just like my dad paid child support. >> I cope with. >> inside joke for you guys that we're all. so aware of.

>> But no, like it's legitimately the the. the government's not good at doing their. job and. >> well, we all know that. What's the. combined debt? If we're combining, what's the combined debt? >> Are we are we talking with the house? >> We can get rid of the house. Let's keep. the house in there and find that. >> I would probably say somewhere close to. 500. >> Okay. Uh that's that's not where I was. thinking. >> What were you thinking? >> I was closer to like 300,000. >> No, cuz the house is more than that.

>> Is it? >> Yeah, I told you that before. >> Yeah. Nobody listens to me. They just. hear me talk and they just like they. don't. >> It's because you don't do anything other. than talk. >> I know that's true. >> Uh spoiler alert. When that's all you. do, yes, people will stop listening. >> Are you stopping listening? Cuz you seem. you seem to be. >> 550,974. Oh, she's not even letting me say the. number. Okay. >> Oh my god. >> I was close. >> Okay. >> I was close. >> Did you guys hear the number? Cuz she's. just making noise.

>> Could you mind repeating that one time? >> Yes. There we go. >> Speak up. Okay. Should I put her in another room so we. can have a conversation? What's. happening? Oh, >> I don't know anything, so unfortunately. wouldn't be much of a conversation. >> Uhhuh. $550,974. >> Higher than you both thought.

>> That's about right. About where I. thought it was going to be. >> Well, it's $50,000 higher. Why is it Why. do you think it's higher than Well, why. do you think it's higher? substantially. higher than what you thought. >> that you're getting into a whole. situation. >> Didn't think about the house and how. much it Well, I know I know your guys'. payments are quite high. >> Um, >> your guys is your guys. See, this. doesn't feel like what you guys are. setting this up as a true trio. It. isn't. It is a duo.

and you're. barely involved. in an official capacity. Yeah, we just. uh we only just moved in about a month. ago and um. these things kind of uh metriculate as. they do. It's um. >> What's your opinion on all this? >> $550,000 of debt. You had no idea. What. do you think? >> Oh, that's a lot larger of a number than. I was hoping for. Um I I suppose I.

Yeah. Uh um sorry. >> Okay. What the? >> No, it's uh that. >> No, not you. Her. She's like rubbing. your tits. >> Yeah. Well, sorry. >> She's not doing great. >> Money gives me anxiety. >> Really? >> Yeah. >> Big anxiety. It seems. >> scary. >> The other day she was trying to tell me. about money that I had earned and just. hearing that I had earned money was. giving me a that's I. >> This is why she wants to implement her. method.

>> Yes. >> Her Alice method. >> Yeah. >> You know what she wants to do, guys? So, she discussed it with you. She. >> discuss it with the producer. >> Yeah. >> She wants everything to come into one. account and then give you two. allowances. >> Yeah, that's a little weird. >> The one who makes no money handing out. allowances. Um. >> Mhm. >> You're very controlling and doineering. >> I'm doineering. Yes. Controlling not so. much. Uh I. >> Guys, is she controlling?

>> I'm not allowed to say that she is. >> No. Dominering. Absolutely. Uh I do I do. that mostly for for his sake because he. doesn't want anything to do with it. Like he just doesn't. And. >> and for a new girl, >> we are still working on it and like I'm. I'm willing to like work. >> How do you feel about that? You've been. independent your whole life. Now she. wants to give you an allowance. >> Oh yeah, that's that's hard. Um I do. like contribute contributing based on. percentages like I make this much.

Here's how much I can put forward which. I kind of like threw out there a little. bit. Thoughts on that, Alice? >> I know that Joey's going to make more. until we're done with school. Um, >> school? >> Yes. School. >> Who's were. >> uh. >> the kids or you guys? No, you guys are. both of you are in school. >> We are both applied for school. >> For what school? >> Uh, Puma. >> radiology department. >> Radiology department. >> Both of you want to do that, >> correct? >> I've been on I've been weight listed for. like 5 years at the other school and.

just switched. >> Oh, that's that's wonderful. Um, okay. Listen, I mean, you guys bringing an. average of like 9,000 bucks a month. What What do you think the household. last month, an example, went out? What. What was spent? And this does include. interest acrewing and things, but what. was spent? >> Oh, pro I have to say probably four or. 5,000. >> Okay. What would you think? >> Um, it's got to be more than that. >> Yeah, you think more than that. >> More than that? >> Yeah. You guys used to still use the. credit card?

>> Oh, yeah. No, I haven't used the credit. card. >> Oh, we'll see about that. >> I use I use There's interest acred on. the credit card. >> There's that. Yeah. >> Um. Yeah. No, you're right. It's probably. closer to six. >> Yeah. I mean, $17,29. Um. >> going out. >> Oh, yeah. Absolutely. You betcha. Do you. get VA disability? >> No, sir. >> Interesting. First in the history of. financial audit.

Okay, that certainly would have helped the. numbers a bit. So, what are we trying to do? What are. we trying to accomplish? Because I'll. help anyone try to accomplish whatever. their financial mission is. What are we. talking about? >> Integrating finances in a better, healthier way. We want to get out of. this debt. I I want. I know for myself, I want us to be on a. healthy footing, especially financially. >> Yeah. And I I since I brought the debt. in from outside, you know, previous life.

experiences, I don't want to bring it in. and have them pay for it. I'd rather. cover it myself and then any debt. I. mean, hope. >> So, we're still viewing it theirs in. mine. Theirs in mind already told her. >> I know. I have to go. A lot of trouble. >> We are so willing to help cover anything. if we get there before. >> Are you both? >> Yes. Yeah. >> Okay, that helps. Okay. I'm going to go 3 2 1 go. Oh, I'm going.

to go 3 2 1 points. On points, I want. you all at the exact same time to give. me what you think your household. financial score is. 0 to 10. Zero being. the absolute worst, 10 being the. absolute best. Okay. Three, two, one. >> One zero. >> Okay. 012. Gotcha. Ladies and gentlemen, if you want your financial score, take. the assessment for free at. calebammer.com.

See where you stand in the world of. finance to see where you need to. improve, see where you're doing well. And don't forget, my favorite budgeting. app is the dollar-wise budgeting app. Make sure you download it if you don't. want to be like a guest who ends up on. this show. Sign up, take the trial, and. if you like it, save a lot of money by. switching to the annual version. And if. you do, I will sign our budget friendly. cookbook, and I'll mail it directly to. you. join the tens of thousands of other. people who have already. Okay, you can. learn more about that at dollar.com. Let's jump into this. You're just going. to have to tell me whose accounts are as.

we go on cuz this is a lot of confusion. Okay. Uh. the am I seeing? Oh, this looks like a. mortgage. This one's chunky. And this is. 3,000 bucks without juroring. Hold on. Okay. $3,100.17. >> Uh, divide that by the what was coming in. when it was just you two until this last.

month. What was that? 6,000 bucks. I. mean, the math is pretty darn close. But. yeah, 50 52% of our household was going. to mortgage. That's crazy. And now, okay, we're at 8,900. I mean, now it's still 34% pushing into. not the most comfortable area, but you. know, we're within reason, especially if. we're looking gross income. >> Did you only bring her in so we could. afford the mortgage? >> No, >> cuz it's kind of what it feels like.

>> Actually, it looks like on paper. >> Don't want that house anymore. >> I didn't really want it in the. beginning. >> Why the do we have it? And a a big ass. 6% mortgage on it. >> It was actually supposed to be seven. They paid it down to six. You guys paid. it down to six. >> The sellers paid it down to six. >> What the is this place? >> It's chunky. It is a chunky pavement. >> It is in the absolute middle of nothing.

>> Desert surrounded by mountains. >> It's not a trailer home, but it kind of. looks like a very long one. >> It's all brick. Um, Mexican brick, >> but it's very narrow, isn't it? Very. narrow, very long. >> Yes. >> Oh, Mexican brick. I'm glad we got. diversity brick. Look, private student. loans can make you feel like you're one. mispayment away from selling your. grandma's heirlooms. Way messy, grandma. Why? Refi says, "Chill out. No more. sacrificing the family jewels. They. don't reduce you to a credit number.

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get 25% off your entire first year on. the annual plan. Very outdated. So, if. we're considering selling it, that makes. me a bit nervous. I mean, you know, old. carpet, old kitchen. >> Believe it. >> Oh my gosh. So, there's what? 1 2 3 4 5. 6 7 8 nine humans living in this house. >> Yeah. >> Stand by. >> Yeah, I think nine. I think that's. right. >> Yeah. Nine. >> That's [ __ ] insane. This is not a big. enough house for that.

>> No. >> Listen, people need people desire bigger. houses than they need all the time in. this country. >> You guys larger house would be How many. beds? Three beds. Two bath. How do we fit nine? What are we doing? We're bunking. People are bunking. >> There was also a um a large office space. that we turned into a bedroom. >> Okay, that helps. >> And mom is getting her is up fixing up. her own trailer. >> She calls her mom. >> Huh? I call her mom.

>> She calls her mom. >> Yeah. >> Does mom accept that? >> Mom prefers mom. >> Yeah, she prefers mom. >> Even though she hates that you guys are. able. >> Mom and grandma are her preferred terms. >> Yeah. >> Even though she hates that you guys are. >> a throple. Oh. >> yeah, I know it's a lot. >> She's fixing up her trailer to live on. Are we selling it if you don't want it? I mean, what what's our what are we. trying to do here? >> The goal is to sell it and grandma and. grandpa understand that as well. But. there is a trailer cassita that they're. fixing up on it. Um currently. >> they're going to live in a trailer. >> on a property that you're not going to.

own. >> Well, there when it sells, then they'll. get whatever whatever's left over. basically. >> Huh? What do you mean what's ever left. over. >> from from the sale? Like what's owed on. the house? >> Why would they get that? Do they own the. house and you guys? Wait, hold on. Who. has the house? Who's this? Who's the. name? >> They would get paid back on whatever cuz. they put all the money into the cassita. on the on the property. So the cassita. cassita, >> it's another word for like a small. property like a So the trailer is like. an extra like mother-in-law apartment.

essentially. >> So they'd get the money for the trailer. >> Yeah, basically. >> Okay. Okay. Once it sold, >> $437,9116. with a minimum monthly payment of. $3,100.17. You want to sell? >> We want to sell. >> You want to sell? >> It looks like I don't have much of a. choice now, doesn't it? >> Well, I feel like you should be allowed. to have at least a say. Is this relation. like I understand you guys love each.

other. It feels like the dynamic is not. very fair. Does this opinion not matter. in this? >> Well, the I would say my opinion doesn't. matter against those numbers, now does. it? >> Well, >> I can sit there can afford the mortgage. now with a threesome. And you guys. talked about bringing in a second dick, so it would get more. >> than just a penis. >> You'd be a loved penis.

>> Big idiot. uh your opinion on selling the house. that you just moved into the. >> just based on the numbers that's. astronomical even at. >> what is the minimum monthly minimum. monthly. >> well where would you guys go what would. you do this is a lot of people are. trying to house. >> like looking at the market and compared. to the other houses this is ridiculous. >> looking at the market it's uh currently. oh wait sold okay what's it yeah I mean. you guys would break even after fees and. commission maybe even lose money so Yes.

So, it does have a couple of upgrades. >> It barely have any equity in it. Yeah. A. couple of What are the upgrades? >> So, it has the It's going to have the. second property on it and it also is. going to have solar on it. >> Okay. That doesn't really translate very. well. >> It really doesn't that does not. translate in the sale of a house. >> And then the bathroom, >> a lot of people pick up and move their. >> The bathroom is upgraded as well. It's. going to be upgraded. >> Okay. Bathroom and kitchen definitely. holds the weight the most. Um,

so you don't even get a ring. You see. that? You see how they're both wearing. one? You don't You see what's happening? Okay. But I think, well, actually, especially if you renovate the kitchen. and it doesn't move the needle very. much. You guys are going to lose money. based on what you put in and walk away. from. Then you got to pay the parents. based on what they put in. What did the. parents put in so far? >> Uh, so far I think. I think it's somewhere around 10. >> So you have to pay them 10 off of this. So that Yeah. I mean, you guys are going.

to Where are you coming up with the. extra $20,000 that you're likely just. going to have to pay out of pocket if. you sell this house? You guys can't sell. this house. You're in a position. Where's the selling this house? >> Guy doesn't even want to sell the house. So, you got lucky that the numbers don't. make sense to sell the house. >> Well, you know, thank God for miracles. like this, huh? >> Yeah, I'd say so. Wow. This really is. absolutely. Whoa. There is Oh my gosh. There is. nothing nearby. The closest thing is just the country of.

Mexico, but still nothing there. Oh my gosh, you. guys are How the You guys even have. jobs? That's crazy. What? What are our. commutes? This is crazy. How are you upgrading the. kitchen? Cuz you guys have no money or. bathroom cuz you guys have no money. There's this debt stacked upon debt. How. are we possibly doing that? >> So, my mom is actually doing it. >> So, is that included in the tent or is. that going to be additional? Okay. So, again, that's still like $20,000 you're.

going to have to come out like you're. going to have to do probably 6% for, you. know, realtor commission on both ends. You know, 3% each. Now, it can be less and now it can be. paid by this uh buyer, but we're in a. buyer market. So, good luck with that. It's going to be paid by you. >> And that's if you even get it for what. Zillow is estimating it at. Usually, they're pretty nice about their values. Okay, we have now listed.

>> When were we attempting to list? >> Um, I don't know if this was ever ever. actually gone through more than, you. know, >> where do you guys want to go? >> Cheaper. Just same. >> What can you get that fits this many. people that's cheaper? >> Same area, cheaper. So, um, my my mom. actually they have a piece of property. So, >> where are they on that? >> That's where they want to build. >> So,

>> but they've already built on yours. >> Yeah. Everything kind of. >> everything. >> Yeah. Absolutely. Uh, so it went. haywire. >> Makes sense. Yeah. What with the deaths? >> With everything. Yeah. >> Okay. I think it was pretty much when. you guys moved to New York. >> Why did you even get this house if we. didn't want it? >> So, the property wasn't supposed to be. for them. The property was supposed to. be for my nephew. >> So, and. >> the one you bought? >> The one that they bought?

>> I don't give a [ __ ] about that one. Why. did you guys buy this when you didn't. want to? >> Well, that's why they they didn't move. on to that property. >> I don't give a [ __ ] about that. Why did. you buy this house when you did not want. to? >> Because he wanted this house. >> He wanted this house. Okay. So, we did. want this house. >> House, huh? I asked to back out of the. house. >> and he said no. Oh, you at least put. your foot down in something. >> Yeah. Well, look at what good it's done. us. Uh. >> well, you're more just locked in for a. little bit. I mean, again, with the. triple income, you do it's in the No, that's. >> gray zone.

>> That's good news. I I'll I'll take the. wins where we can get them. uh before. this um and I'm not trying to point any. elbows, but her mother has a habit of. buying horrible rundown property, fixing. it about halfway up, and then things. sideways for one reason or another. And. this has been a uh a feature. >> It's not a bug, it's a feature. >> Um and so we were uh living in one of. those after trying to come back from New. Hampshire. And uh that one was.

>> You guys own in New Hampshire? >> We did own in New Hampshire. >> We did. That was also a good loss. >> That was a loss. >> Yep. >> So, uh. >> no offense, why New Hampshire to the. literal middle of nothing. >> Uh. >> well, so uh around that time, uh. my job was experiencing a lot of cuts, like a lot of cuts. And CO was uh just. heating up and I'm an insane libertarian. and New Hampshire is the libertarian. capital of America. So, I was like, um,

I'm going to be out of a job pretty soon. is what I assumed. And, uh, I realized. that I had just enough gas in the tanks. to get us to wherever we were going to. crash land. That was all that was left. >> This was New Hampshire. >> Yes. >> So, you went from Arizona to New. Hampshire. >> That's right. >> And so, uh, I went and, uh, bought a. place out there, kept the job, and I. kept working. And the idea was to keep. doing that until I'm not quitting. They're going to cut me, right? Um, and.

so now I was juggling two payments for a. little bit. I moved. >> Oh, [ __ ]. >> Alice out there. >> I didn't lose my job. I got a promotion, actually. >> Oh, that's good. >> That was it was a a surprise that I. wasn't ready for. Sometimes there's good. surprises. Sometimes there's confusing. ones. >> And uh I was not supposed to move back. from New Hampshire without medical. intervention. And then I ended up pregnant.

>> It always finds a way just like you need. to find a way to that microphone. >> Yeah. So I ended up pregnant and. there was no medical help within an hour. drive from where we. >> were. You were in the middle of nowhere. in New Hampshire as well. >> So not really. We weren't that far from. like conquered. But the issue is so many. people had moved in. >> Are you close to medical now? >> Yes. There where. >> there's a hospital either way about. >> couple hours.

>> Half hour. >> What? >> Yeah. >> Surprising. Okay. >> So, so. >> so you moved back from medical. >> We had to move back from medical and it. it ended up being a high-risisk. pregnancy. So, I had to move back. There. was no option. >> Okay. I'm okay with that. I don't It. didn't have to be a permanent move, but. >> Okay. Looks like it has resulted in per. when we move. Are we trying to go back. to New Hampshire or stay in Arizona? Uh, no. My my job's here. >> You like Arizona? >> Yeah. >> I don't.

>> Well, no, of course not. >> And she doesn't. >> Well, no, of course not. >> It's just hot desert in the middle of I. mean, if you guys were in at least like. Phoenix where you could do things, it. would be nice. Or like, you know, Flagstaff and Yeah, >> it's pretty. But. >> yeah, Flagstaff is gorgeous. >> Just uh on I would be happy if we lived. there. I'd be happy. >> Sure. Instead, you live on a cactus. >> Yeah, basically. >> Okay. a hot a hot cactus. >> So yeah. >> Okay. Well, mortgage only. Okay, because.

she came in. >> right now. >> If she didn't, it would be. >> it's pretty Yeah. >> And whose name is the mortgage under? >> Joey's in mine. God damn. >> Okay. Platinum Plus. Platinum Plus of what we owe. $38,1721. Who's what? When? Where? What? What the? Who's. >> both of you? You're in it together. >> All of our accounts are joints.

>> Just going to call you guys mother. Okay. Uh well, this is insane. >> Yeah. >> You're over the limit. Did you know. you're over the limit? I'm not trying to. have you have more anxiety, but what the. >> We know. We know. Uh. >> you know, do you know? >> I didn't know. >> He didn't know. Why are you saying we. know? He doesn't know. Why? Why can you. say. >> he doesn't know any of it? I should say. that. Why would you say we? That's not. fair. How? Don't speak for him. He. doesn't know what's going on. And the. dude struggles with this. >> Yeah, that's why I don't tell him.

>> And technically, he does know. >> Then why why would you say we stop. speaking for him? >> Because he's gotten phone calls, so he. does know. >> He might not know what accounts. Might. not know. >> Okay. What's going on with this card? >> They're willing to settle on that one. >> They're willing to settle for what? >> For half. >> Okay. So 38,000. Yeah. Half up front? >> Probably. >> There's no way you could afford half. In. what world? >> Yeah. >> $38,1721.

It looks like we're stuck with this. >> I don't even know what the normal. minimum you last you paid. >> It's about $1,000. >> That's the normal. You paid $200 last. time. >> Thoughts on that? >> You paid. >> Oh, wait. >> 20% of the minimum monthly payment. >> Which one is that one? The 30. >> uh 38. >> Yeah. 38,000. Yeah, that one's at right. now it's at it was 200. >> It went up. >> and it's. >> Did interest three periods end or. something? >> So what? >> Oh no. Hey, pause. What do you think.

your past do? >> Oh [ __ ]. >> What do you think they're past? >> I have no idea. >> You don't know? You're getting into. this, dude. You're flying into a. hurricane right now. You have no idea. This is insane. This is insane. >> Yeah. I don't know. I couldn't tell you. >> What do you think, big guy? Uh, >> ladies and gentlemen, a financial audit. This is one of the most exciting moments.

in this channel's history. You know, I've been working on building all these. educational tools, our budgeting app, all this crazy stuff over this past year. cuz that is where my passion is. We. finally did it and now we put it all. into one program called Dollar Wise. Central. You get the premium version of. my budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the. advanced stuff. Collaborated by experts. with the lowest refund rate in the.

industry for a reason. And guess what? If you are struggling or you want to. learn more or you want to change your. life in any way whatsoever, like literal. tens of thousands of people have done. with our programs, go to dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go. >> Let's rip that band-aid off. How bad is.

it? >> $3,154. past due. Past due. 000 pasta. >> Why the possible, guys? >> Because that was the only one we. couldn't pay. >> Like, we paid everything else. Because. we didn't have enough money. >> Why were you then going and doing. things? >> Cuz we're terrible at this. >> No. See, the real answer is because we. blew our money. Not because, oh, we paid. the things and we didn't have enough. money. Guys, going out to eat, what do we think?

>> That's high. >> $1,000. It was $1,000. It was $1,035. going out to eat. And you say you can't. make $1,000 payment. >> a month. >> Yeah. >> Mhm. >> That's your going out to eat last month. And you say you can't make a $1,000. minimum monthly payment on a credit card. >> because you pay your other bills. [ __ ]. you. That's a [ __ ] excuse. That is. immaturity to its core. Miscellaneous. [ __ ] This could be video games. This could be anything like that. It's. this extra whatevers. That is $1,630. So now we are up.

>> 600,630. So, now we are up to bull minimum. [ __ ] $2,660. $2,660. minimum on [ __ ] last month alone. Now there's more stuff in here. There's. unknown shopping of about $1,2. some might not be. I don't know. We're. going to have to go through it. Yeah, that's usually like Amazon or Walmart. cuz you can get anything there. So, it. could be necessities grocery shopping at. Walmart. >> and we'll go through those and we'll. see. Other large purchases, things that. didn't really fit in the category but.

were huge. That was $4,000. $4,000. That wasn't housing. That wasn't. vehicles. That wasn't transportation. That wasn't groceries. It was I'll tell. you in a month. >> In a month. That was last month. In. fact, that's what's going on. When you. just let control go away, then anxiety. will build and it will hit you like a. bomb. Yeah. Oh. Yeah. It sure is. What the [ __ ] goes on?

What the [ __ ] goes on? >> Do you need a moment? No, >> I I [ __ ] I I I'm at work all day. >> Mhm. >> I was doing school all night. I had the. GI Bill where they pay me to go to. school. It's a second job. >> It's a second job. The school's not. helping me. There's no aspect of my life. that's better for this. I'm deployed to mying life. I wouldn't I. couldn't go and and walk through the.

house to go to the bathroom. I'd piss. outside so I didn't have to walk past my. kids because I knew they would take too. long to see them and say hi. I I [ __ ]. I'm a ghost in my own reality to try and. earn as much money as I can. >> What were those numbers? >> It's not great. >> Is this for just us or all three of us? >> All three combined. Okay, that's all. three of us. >> But all the debt is combined as well. >> Okay, >> cuz if you say your ultimate goal is to. combine, that's how we went off of it.

>> Yeah, >> that's fine. That's the ultimate. >> He asked a good question that I would. like to hear your perspective. >> What the is going on? >> Well, honestly, I. >> valid from him. >> To be fair, I had a very strict budget. for a very long time. I have an Excel. spreadsheet and these last. two years since. since getting honestly since getting. pregnant I. I couldn't handle life anymore couldn't. do it and I reached out for help but he.

also couldn't do it and we. have been kind of drowning since. It was. two mortgages and then it was a business. and then it was a funeral and then. >> buddy. >> it's just been buddy one. >> this is cope talk it said what the is. going on we went over minimum $2,660 of. bull minimum minimum that's what he's. asking about. that's what he's been asking about not.

your past mortgage double mortgage your. past blah blah blah blah blah last month. alone was $2660 of bullum and it's. likely closer to like 3 to 4,000. Okay, cuz that's what we usually see. So, what. the is going on? If you're the one. managing finances, why is it such a. disaster? Why is it gone? Why is it. obliterated? Why is guy out there. working his off beating pavement for the. money to just go completely out the door. and he doesn't know? And all of a. sudden, he has a panic attack because. you just endlessly abuse your situation,

your your situation where you get to. control the entire thing. >> Give me a little bit of insight here. Nothing. No self-reflection. >> To be fair, I honestly don't know. I. know. >> No self-reflection. What's your thoughts. on this? Look what's going on over here. What's happening? >> I think that they're both at Woods End. Um, one with family life and the other. with work life, which I've been saying. for some time now. >> Um, >> what's your solution to that? >> Joy's not in school, so he doesn't have. as much stress on his plate now. Um, I'm.

hoping that having him involved more. with the kids will help mom feel a. little better. I also think that mom. just needs to go back to work. >> I do need to go. Well, I am back at work. now. >> Well, what about this school thing that. you guys just got into? >> So, uh, waiting on an interview and if I. get that interview, it starts October. 202. >> I'm doing work in school. I've done it. before. Yeah, I've done it before. >> But also with the the eating out, I know. a large portion of that is probably on.

Ella's plate. I think I have like. >> But if our goal is 300 would be about. her portion if we're splitting it in. thirds by the way. But either way. >> either way if we're trying to combine. this is what combined looks like. If. that is our ultimate objective this is. what combined looks like. >> When I'm doing all of the stuff out with. the kids. everything's expensive. And so when they. want something I have things have been. stressful at home and I cave. I do. I.

cave when it comes to the kids when they. want to go and have McDonald's. >> I do it. >> Well, you're making their future harder. >> I am. And I understand that. >> How you feeling, Joey? >> Oh, uh I knew this was going to be rough. Um. this this is. shocking. Um. I'm sorry. Uh. >> it's okay. Listen, buddy. Little bit of tough love. here.

>> No, I I. >> You're. staunch libertarian. So, let me give you. some Ron Swanson. Okay. >> Thank you. >> This. is all your choice. This is all personal. responsibility. If you choose not to be. involved, then it goes off the cliff. You got a bit of responsibility in. there. And unfortunately, the only way. to take care of your fiscal. responsibility is to be involved and get. in there. You got to cut You got to cut. that government spending in your budget. This is bloat. This is pig. This is. pork. You got pork bloat going on here,

buddy. And you're not collecting enough. tax revenue because you got a She's. getting tax subsidized right now. >> Okay, that's what's going on. >> I, you know, I uh I knew that there was. a lot of interest. I knew there was um a. lot of stuff that got run up, >> but there's a lot that's going on here. that doesn't make sense. There's a lot. of numbers here. I do know that a lot of the the stuff. that is like Walmart and all of that is.

going to be a lot of food. We have a. huge and I know this is a problem. We. have a huge grocery budget with feeding. a lot of people. >> It wasn't that crazy, but even are your. parents What's your parents. contributing? You said a flat rate. What. is it? >> $1,000. >> That helps. >> Um. >> highly doubted. >> We we buy most of the groceries. And so. I do know if when you see those Walmart. charges, that's groceries. It's gonna be. mostly groceries, kids clothes, that. sort of thing. But we probably are.

spending. I I know every time I go to the grocery. store, I'm spending somewhere between $2. and $400 and I go twice a week. >> May I chime in on this? Um. >> the pallet ask permission. >> I just want to interrupt. I just didn't. want to interrupt. >> She doesn't like interrupting. Um, the food that that is eaten in the house. is a bit it could be on the cheaper. side. It is on It's on the bougie side.

It is on the bougie side. I'm I'm used. to eating a lot. >> Dude, you're 300 behind on a credit. card. Why do we get to get the bougie. groceries? >> Excuse me. To correct 3,000. >> behind on a credit card. >> Yeah. On the first We've looked at one. credit card. >> One credit card. >> Yeah. >> 3,000. I'm not saying that's going to. like cure everything, but I know little. things and I I I know that I'm a. problem, too. I get fast food. I'm I'm. just as bad. Um, but I do know that like. some of the food it's like. >> Yeah, we do. >> You don't have to get like certain.

things you you could have a couple like. it could be a big struggle meal and it, you know, and still be good and. >> maybe not delicious, but good enough. >> We are giant foodies and I I know it's a. problem. I do know it is a problem. I'm. just saying look at what we are doing. when we're behind on credit cards. You. say, "Oh, I made all my payments on. everything else. So that's why I can't. make this thousand an hour. $2,660 at a. minimum minimum minimum on bullshit.". You could have almost made the entire. back payment.

>> And within two months, just by not. having that bull, you would have. >> Okay. All right. What am I looking at. here? Um I have no It's a principal. balance of $16,5865. and an interest rate of 10%. What am I. looking at? >> Uh, that is the loan we got. >> A personal loan? >> Yes. >> Okay. Who's. >> ours? >> You're on it together. >> Yes. New Hampshire. >> What? What the New Hampshire? What? What. do you mean personal loan for New. Hampshire? >> It was to fix up the house that we got. in New Hampshire, but then we ended up.

>> What did you buy the house for? >> The price? Uh, I actually don't really I. think it was 140. >> 140, >> I think. So, >> what did you sell it for? uh 135. So. that loan ended up actually. right. >> and you're going to do that again. You said her mom has the track record of. going in and just getting property she.

can't afford around and then selling it. for like a loss. I think that's your. guys' track record, too. >> It's starting to feel that way, isn't. it? >> Mhm. Our other two houses we sold then. at a very nice profit. >> Two for four. >> Yeah, >> it's not a good batting record. >> Okay, so this is a personal loan on a. house that's long gone essentially. >> Yes. >> That's insane. >> Um already just hearing this. conversation, Alice, so far, are you not.

nervous to get involved on this on a. deeper level? Cuz oh my, I would be. >> I did hear a little bit about this. Uh, >> look what we've heard so far. >> I I recommended the show to them. >> Really? >> Yeah. Cuz I was like, I know that they. have some issues and I started kind of. watching the show and I was like, oh, it's. >> kind of getting back on track with my. financial stuff and I think that they. really needed the help. >> Yeah. And I was gung-ho about it. Like. when she told me about it, we. immediately signed up. >> And I know you almost didn't come on the. show. Mhm. >> No, I um I.

if I see an advertisement for a bank on. my phone, I scroll very quickly past it. >> I I sympathize. >> I've got really bad auda and um. >> Have you ever talked to someone about. this, a therapist, about this phobia? Because. >> No. No. >> Just because you're a libertarian. doesn't mean you have to disagree with. therapy. >> Yeah, we've had we've had this. conversation. I'm a libertarian and a. pain in the ass. >> Who knew?

>> They usually go hand in hand. Yeah, >> your brain's a brain, dude. There's. people who study it. There's some. enablement therapists out there. There's. some Tik Tok bullist out there. There's. some people that will actually help. There's some good people. You got to. shop around. And I don't think you. probably have an extensive selection in. your area. You might have to go virtual. But there are actual. therapists that focus on a specific. phobia like you have. I have one that's. focuses on mine and I did a again I told. you about how I conquered it this. weekend. That's crazy. Never thought I.

would. You can do that and it can be a. whole other life on the other side. >> I mean it once he's informed like it's. the unknowing that's even more scary. I. mean yeah it's stressful to know but at. least you have a goal and a way to. progress when you don't know. It's like. well. >> I'm crushed but I don't know how. crushed. And like I got us I got us out. of debt the first time, but it wasn't so. hard, you know. >> First time. You've gotten out of debt. before. >> So when I'm. >> when. >> when I met him, he also had. >> What was that? A Is that what you said?

11 years ago. >> 11 years. >> 11. Who's the the 16-year-old? Was that. from him? >> No. So it's my sister's child. >> Oh, okay. Sure. Why not? >> Um. >> Yeah, that makes sense. Okay. >> So. >> So you got out of debt when you guys. first met 11 years ago. Tell me about. that. >> So, he didn't want me dealing with the. finances. He was very much so I can do. it myself. But then we were getting a. lot of red slips in the mail. Um, and it. finally came to a point where I'm like,

this isn't going to work. Like, you need. to pay your bills. And so, I found all. of the bills, gathered them up, and it. wasn't much. But then uh yeah, we. >> then how did we not learn from our. behavior there and not want to approach. that same situation again? Because now. we're there again. >> Yeah. >> But worse probably. >> It's way worse. Way worse. This is this. has never happened to us before. >> And over the six years like they were. they were making good money. So they got. into a certain type of lifestyle and I.

think they haven't adjusted. >> We did now. Yeah. >> It will. Yeah. It will. So $16,586.25. on a personal loan for a house we lost. money on. didn't. Okay. Okay. $35,389. is your minimum monthly payment with an. interest rate of 10%. >> Yeah. Not beating the market with that. one if you're investing overall in the. general stock market stock market. [ __ ]. sake. Listen, I mean, I'll immediately. I'll get you guys a course career.

certification if you don't get into the. you know, you all can have one. Uh but. primarily for you if you don't get into. the school try to get something there. and get yourself a better job like that. has increased people's incomes and got. them into new career fields. substantially work. Uh my my backup is. phbotomy. >> Okay. Um we'll get you guys the Fizz. card as well. It's a debit card that. builds credit. So no more credit cards. cuz look what you did with the first. one. The platinum is insane. >> I want them I want them gone. >> Okay. Now I'm looking at a Visa.

signature. >> Yes. >> Who's is this? >> Us. You guys are on together. >> Yeah, all of us are together. >> Feel very included. >> Oh, maybe eventually. >> You ever get points fatigue? Way too. much confusion. Which card should I be. using to maximize points? What are those. points actually worth? A free airline. peanut. Great. Today, we've partnered. with Gemini to showcase the only instant. Bitcoin rewards credit card. And here's.

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>> No. That's cleared up. Uh, no. >> 7,000. >> I love you. >> $23.35. >> Minimum monthly payment of $226. >> It's pretty close to maxed out. You made. your minimum monthly payment. Can. someone pull up this card on their. phone? >> Maybe. >> Because again, you're not sending. statements here. You're sending a. screenshot of a website. This is for a. cash rewards Visa signature. I need to. see if there's any purchases. I need to. see what's going on.

>> Uh cash. Does that bank? >> When you paid this off, you took out a. 401k loan to pay this off. So, it wasn't. even discipline. Right. Right. >> I did know about that one. >> Oh, for sake. Guys, how much did we pull from whose. 401k? >> Whose 401k do you think it is? Oh, we. are passed through on that one. I got to. pay that. So, this is this right here. >> Was it yours? >> Of course. >> Why? Why of course to be yours? Well, cuz you would have contributed more, I.

assume. How much did you pull out? >> How much did we pull out. >> for, >> Mike? >> I'm trying I'm trying to think. >> Which one was that? That was. >> customized Visa signature card. >> Yeah. >> Why is the minimum payment double all of. a sudden? Oh, you passed through a. payment. Passed through a payment now. They. passed through a payment now. Guys, >> I didn't realize that one wasn't on auto. pay. >> Guys, what are we. >> It's worse. >> It's worse. >> So,

what is. >> you? >> What is. >> What are we doing? I need you to open it. again. [ __ ] sake. >> I don't remember. I honestly don't. remember. I think we only ever took out. the Did we take out We took out the 401k. loan for the funeral, but I think the. only other one we took out before that. was at the 10,000. >> Twice? You took out twice? >> Yeah, I can pay that now. >> Oh, the second one was to pay for a. funeral,

>> which again, that's an emergency. I can. kind of But you've done it twice. We're. just not learning behavior. >> Nope. >> We're not learning from our behavior. >> And now we're passed through on our. second card. And my team didn't even. know that. >> Yeah. >> They didn't even have that. This is. worse than even they thought. And they. knew this was completely they reviewed. I'm sorry. >> Yeah. Uh Caleb, you mind if I take a. second? Can you guys. >> take a second? >> Thank you. >> I do want you to be informed about the.

full situation though, still. I I know. it's hard. I got to call dividend and have them put. that back in there. >> Buddy, just open up. I need to see this. card. >> That was the card. >> I need to see it. All I saw is that you. had a double payment because. Yeah. >> Sorry. >> How's How's guy doing? >> Not great. I knew this was going to be. really, really tough cuz he doesn't. know. >> Who do you like more?

>> Um, >> does it work like that? >> No. No. I mean, Joey and I started. dating first. Um, and then Ariel. >> And you weren't jealous when they were. dating. >> Um, there was issues, but it wasn't. Yeah. >> Initially, >> I would have thought, >> but it was more of we we actually. started dating together first, the very. first time. >> Um, and. I had brought up concerns. >> I had brought up concerns that.

uh. >> this this isn't the what rewards. I. don't care about rewards. What are you. Where are you? >> I don't know, >> dude. Just get me to the [ __ ] credit. card. >> Uh that she wasn't really into women. And so when. >> that's complicated. >> Yeah. And every Joey kept saying no, it's fine. >> And then it turned out no, she really. didn't think she was at the time. >> Wasn't sure. I wasn't sure. So then uh. we we were you know on a break for a. while and then we had a lot of.

discussions when we finally did get back. together and things have been like way. better. Like way better. >> Like such a mess. I'm glad there's at. least no purchases on there this last. month. Can't I mean you're they're. behind. They're behind. >> What do you think we should do for him? So he just need like a few minutes. >> Yeah, he probably needs a minute. Probably get he's probably going to need. some time. He's probably going to need. time, like a lot of. >> before he comes back on. He's very angry.

and he's going to hold a lot of anger, specifically at me. >> How does that look? How does that. usually What usually happens then? >> He's going to shut down. He's going to completely shut down. >> Well, why do you. No. I mean, you're behind on everything. Look what your choices have done. You've. this. >> Yeah, >> Tim. >> Yeah. >> It's not fair. >> It's not. And it's I listen starting. down is not the most productive way to. deal with things, but yeah, he deserves. to be upset.

>> and he can be. But he was also asked on. multiple occasions to be involved in the. finances and he Brandon, you're up opted. not to. >> So, here we are and that's why we're. here. >> We need a joey replacement. >> We need a Joey replacement. >> You're looking for You're looking for a. fourth. I have an applicant. >> And he's cute. Hi, How do you feel about Arizona, >> ladies? I'm from Arizona. >> There we go. Oh, and he smells nice,

too. I'm digging this. >> Enjoy. >> Joey 2.0. >> I need the rest of the day off, boss. >> Yeah. By the way, when I told him to. come on, he was doing this heavily in. the back. >> Allegedly. >> Never. Joey would not. >> Uh, if I know Joey like I know Joey. So. Joe, you're pretty upset cuz this is. kind of. >> It's bad. >> It's bad. >> from hearing it from over there. It's. pretty bad. >> Yeah, she's behind on uh two payments. >> so far.

>> Yeah, >> big guy. Your money that you go earn. >> Mhm. >> Yeah, >> I'm a sorry. >> You said it. Okay. >> Yeah. Your tone's not very apologetic. I'll be honest. >> No, >> I'm a bit. >> That's what you want. >> Um, >> she's very happy about it. >> It's It's a It's a It's a very strange.

coping mechanism. >> Yeah, >> it is. Uh, >> I cope with you want to be involved in. this. That's comedy. >> Oh, yeah. >> Wow. Okay. >> Being Being broke is comedy. >> Get her on Kill Tony. I think it's a good, like I said, I. think it was a good wakeup call for for. both of them, for for Joey to know the. situation and for. >> uh Alice to know where, you know, the. spending is going like. >> really. >> Yeah. No, fully where everything's. going. >> Is it a wakeup call to you. >> about what the you're getting into?

>> Specifics. Yes. I I did know that it was. already pretty bad. I was aware it was. it was quite bad. Yeah, but the debt you. guessed was $200,000 under the reality. of the debt. >> Yeah. >> Okay. I mean, I have this Prime Visa, but I don't have like a B again. You. guys aren't giving statements. What? Someone pull up the the the the Chase. Prime Visa. Is Is that you and Joey? >> Yeah. >> I don't know if I can get. >> How's that one look, Joey? >> Uh, we're going to take the uh data from. the past two probably.

>> New Jersey accent, please. >> Yeah, >> we're taking the data from the past two. probably. >> That's good. >> Who sleeps in the middle? >> That sucks. >> I actually like it. >> Really? It's so warm. >> Yeah, it's so cozy. >> Yeah, I need the edge. I'm a I'm a. rotissery chicken at night. >> Feel like someone's getting edged the. whole time. That's for sure. >> You could have had a statement in about. 15 seconds. This would This would have been so easy. Okay. Uh here we go. We owe.

$3,863.86. >> Mhm. >> Wonderful. First time hearing this big guy, huh? With a minimum monthly payment of16. Should we check on him? >> Yeah. You want to just see how he's. doing? >> Oh. >> Oh, he's on his way. >> He's here. >> Yeah. We don't want him getting get We. don't want him to get. >> be jealous. He's going to be jealous.

>> No, he doesn't. He doesn't really get. jealous. >> In fact, he might just want your hole. >> Big guy. Welcome back. >> The seat will be a little warm. >> Yeah. >> Oh, >> we had someone sitting down. >> My foot just hit the camera. >> Did it help taking a nap? >> Yeah. Uh, a little fresh air goes a long. way. >> Yeah. >> Sorry. Let me get. >> Well, we just unlocked a credit card of. $3,863.86. to bring you back down. >> Thank you. You're welcome. With uh. purchasing, we're purchasing that on a.

credit card that will not be paid off. Minimum monthly payment without any. purchases alone. This is your least. >> This is your smallest balance so far. >> Yeah. >> What do we think? How long do we think. it takes to pay off without purchasing? Of which, by the way, we are purchasing. >> probably like 10 years. >> 15 years. >> Okay. >> I was just going to assume 10. Yeah. >> Yeah. 15. 15. And this is our smallest. balance. Smallest balance. >> Yeah. You're going to be like mid50s. >> Oh, that's great.

>> And then that one will be paid off. >> That one will be paid off. >> Well, if we don't purchase, but all we. do is purchase. In fact, what did the. purchase look like? I will tell you. >> who's purchasing. >> Amazon. Amazon. Amazon. Grubhubbing. water burger. Family Dollar Valley Sleep. Center. >> That was for my medical USA. >> Yes. >> Is this you guys again? >> Yes. >> Wow. Okay. Everything is done. I don't. have any credit cards open. >> Why are we bringing in Why would you.

want to come into this? Like I. understand. Okay, you love him. Why. would you want to come into this the way. the account combi? Do you just want to. combine so that we have her income? Like. cuz you guys are together. You two. I. don't know how you would survive. >> You sure? There's no malicious intent. here. >> None whatsoever. >> You don't f Okay, USA. We have a credit card. balance of $3,97.37.

It's at a 20.15% interest rate. >> What was that interest rate? >> 20.15. >> Thank you. >> Yeah. And they're all going to be around. 30, by the way. So, this one's actually. even better than the others with a limit. of 4,400. So, we're not that far from. the limit by any means. We're going. We're stopping in. We're getting some. bull. We're stopping in. We're getting. some [ __ ] Paris bag gap canteen. vending machine. >> That's you. >> The vending machine credit card. >> So big guy, here is what's going on. You.

are spending money. >> on a credit card that does not have much. more money to spend on that is accuring. interest. >> So this is where being informed on the. facts of your financial situation is. important because you cannot be going. and blowing all this money. >> I I. >> who's stopping in the gas stations and. getting just small little things cuz. that's not gas purchases. We're not. getting $3.65 of gas. Huh? So, what are. you getting? >> Uh, breakfast. >> Okay. >> Yeah. >> We got to be packing breakfast or making.

breakfast. Yeah. >> Okay. >> Bad. Cool. >> And if you're going to stay at home. >> Mhm. >> make it. >> contribute in that way. >> And I was for a long time like I really. we were doing uh overnight oats and. stuff like that. The last few years have. really really cut deep. So, and I was. >> So, we have to No. What? >> No. So, we were just talking last night. about getting back to a a normal and. >> there lots of breakfast in this. We'll. give you guys this and it's butcher. friendly. >> I'm very excited about that. I saw a. cookbook and I'm all about cookbooks.

>> Well, I wish you can like actually. cooked. Look, here we go. I mean, this. is more It's more savory, but you can. have devild eggs in the morning. Okay. Listen, there's so many things. >> She does. >> Yeah, cuz you went and stopped in and. got breakfast a few times and then the. vending machine and the Paris baguette. for 40 bucks. The fairest bagette was. us. >> That was us. >> Nice little sweet treat. >> We did get a little sweet treat. >> A little sweet treat. >> Yeah, that was at my neurologist.

appointment. >> Yeah, it was. >> Yeah. >> And listen, I want to know your. perspective on this. Um, Joey, being a self-confessed libertarian. yourself, >> y. >> that usually advocates for personal. responsibility only. Like there's. nothing outside of that. >> What do you think? What do you think now. that you're hearing all this? How that. vibes? >> I. I was under the impression that uh. I I could trust that this was getting.

taken care of and it clearly hasn't. been. And I can see that. >> inspect. Don't expect. >> [ __ ]. >> Hey, maybe let's let him answer. She loves me and. she doesn't want to upset me and I've. I've really done a fine job of of. putting myself into a situation where. I'm sure she feels that I'm. unapproachable on this. and the consequences of it are clear.

Um, >> do you not feel she controls? >> I. There are parts of life that you don't. care that much about. There's plenty of. my life I don't care about. I didn't. think this was I had no idea it was this. bad and this stupid. It's one thing to. be bad, it's another thing to be stupid. And I'm I'm shocked. to find out how much it is both uh. today. And I realize that.

I'm if I want out of this, I'm going to. have to be part of the solution. And I. can't just walk away from it and hope. that um other people are going to make. my life better. I I this is. What are you seeing in the dynamic. coming into this? >> Um a lot of fear from Joey. Um I I know. I came in at a very stressful time. Um.

>> and are you sure they aren't like cope. loving? Because sometimes people look. for extra things when life is hard. You. know, they want to shake things up. Are. you sure that once life gets back to. normal that the place for you is there. as much as it is today? >> Well, we've had feelings for each other. for years and years. Um, I've been in. the position where I'm like, I'm not I'm. not ready. >> How did she convince you to enjoy. vagina? >> Uh, she's a great talker. Uh,

[Laughter]. Okay, >> ladies. >> Department of Education. Who? >> Um, >> uh, this is with Net. >> Yeah, that's mine. >> Hey, it looks like total of. Does everyone have student loans or is. it just you? >> I don't have any. Just me. >> $21,169. for what? >> And of course, you're the one making no. money. You know, actually I need to.

contact about them about that because it. switched over. >> um the nail from another company from uh. Great uh Great Lakes. >> Great Lakes. Yep. >> And when I had last checked with Great. Lakes, it was only at 12,000. But when. it switched over, >> this was probably interest that acred. while it was all being like no payment. required, dude. >> So when it the LA But that's when the. last time I checked with them, it was at. 12,000. Then when it switched, it was at. 21 and I was very confused by that. I. would not be surprised. It's 21,69. So,

we're going to go off of that. I'm sure. it sat there in acred interest when. payments required were zero. What's the. status of these today? I know we're. talking about getting back to school. deferred until. >> right. uh next year. >> I think November. >> No. No. Uh there I. >> You requested an extra. >> I requested an extra. >> Why? You guys make money as a household. and tax returns. I'm surprised they even. allowed it. >> Yeah, those are deferred currently. Well, payment's going to be about if you. want to get it paid in about 10 years,

250 bucks a month added to your guys'. stack. >> Yeah. >> Extra 250 gone like that. >> Yeah. >> Why haven't you been paying on these? >> Just hasn't been. >> What did you get a degree in? Did you. get a degree? >> So, I got a certificate. I wanted to go. in for. >> certificate in what? >> Automated computer specialist back when. that. >> MIDI computer specialist. >> Automated computer specialist. >> Okay. >> And that was back when that meant. something and now it doesn't. It's now a. fancy word for I can be a secretary. Um, but it did give me a job.

>> Why not go be a secretary, make money? >> Cuz nobody cares about that. Everybody. now wants associates or bachelors in. something. >> So that's their perfect dream situation. Doesn't mean you shouldn't apply. >> I have been applying. I apply at. basically anything that makes. >> Well, I'm sure there's not many. opportunities in that area. No offense. >> Not really. No, there's not. I have a. plan of basically everything that comes. comes up. >> Yeah, I'm sure interest is just acred. >> Yeah, >> they're in zero dollar phases.

Even the ups unsubsidized loans when. they're deferred, they might acrew. interest. I'm not 100% sure on that. And I don't know your mixture of. subsidized or unsubsidized. Never been late, but we're also just not. making payments. >> They've been on deferred since July. Oh, wait. >> No, that's this is just leading up to. this. Yeah, I think that's in July might. have been when it changed over to. Nellnet. >> All right, still going. Okay. What is uh. Elan CS.

credit card? >> Alon Financial. >> Uh-huh. >> Uh that was a personal loan through uh. Oh, wait. Excuse me. That was a card. Yeah. >> This is finally yours. >> Yes, that is I. >> It's in collections. >> She has collections. She's bringing. collections into the house. >> Yeah, we knew about that. >> Yeah. Well, I knew about that. >> Yeah. Yeah. What's this weed? Did you. know she has collections? >> I don't I know nothing. >> What the? >> What is going on? Come on. You seem like. the same one in this conversation so. far. >> So that one I only have two payments. left on it. It's I have a debt relief.

for that one. So that's in debt relief. So I have two more and then. >> So am I going to see the debt relief. statement in this? >> It should be. Okay. So I don't need to. worry about this statement specifically. >> Why did credit card go into collections. and how long ago? >> Um this was I want to say 2023. >> What happened? um me and an ex separated. Um so the. financial situation changed and I. couldn't afford everything on my own. So. I let that stuff the stuff that I could.

go into collections or well debt relief. I I allowed it to go to debt relief. >> Well, I'm sure you're just blowing all. your money on your kid too just. endlessly trying to cope with the single. mom. >> Um there is some guilt spending for. sure. >> Yeah, absolutely. And I know you're just. blowing money on video games like crazy. >> App and then you're getting you got a. game PC big arsenal of video games. >> Yeah. Not I have I don't spend too much. on myself. Um there's a lot of. >> So just a kid, >> but you're deferring the kid's future. and all of a sudden you're not going to. have a retirement. Who knows if you're.

going to be with them by retirement's. age. >> Yes. Uh there's a lot of. >> she's she's even skeptical about that. You see that guys? >> There's a lot of concern. >> What do we think of that? Is that is. that weird to hear? >> Is that concerning to hear? >> Caleb, if you were coming in on this, would you. stay? >> I wouldn't come in um. >> I get it. >> I wouldn't be coming in and combining my. finances and I wouldn't be combining. life yet. I'd be coming in and I'd be. and that would be about it.

No, >> that that's, you know, that's what I'd. be doing. I wouldn't want to uh. incorporate my life into this. No, but. she's also bringing baggage. She's. bringing collections and debt relief. programs. So, it's not like she's. perfect by any means. >> Is she handling them? I don't I don't. know what right looks like program. >> What do I [ __ ] know what right looks. like? You're looking at the things. Is. she doing the right things? She's not. doing the right things. Is she doing the. right things? >> Are you doing the right things? You're. pointing fingers over here. >> Are you doing the right things? >> I'm keeping up with payments. Uh, so.

once this is finished, I'm transferring. and paying off my small debt and then um. what it's like $415 that's going towards. that once a month. >> A month that you funnel to your next. debt. Yes, that is the way. >> Yeah. And then I once I have that done. that 415 go to I'm going to start with. my smaller ones. I only have a couple of. like maybe like three that are like from. two to 600 I think. >> Okay. Well, we'll find them. What's CT? What's CTF pay? >> That is the uh debt relief. >> consolidation. Oh, the debt relief. >> Yes. >> Yes. Say it's 446 a month and he said.

there's two payments left. >> Yes. >> That's good. So she's almost out of her. while you guys are going deeper. >> Mhm. >> How do we decide who he sticks it in? How do we determine? Do we draw straws. >> so he. >> or do we like human centipede? >> He can stick it wherever he wants as. soon as he gets a vasectomy. >> Well, of course, but like what if both. want? Like how does he choose? How do. you choose? >> You just put it in both, I guess.

>> Well, yeah, that I don't know if that's. scientifically possible. >> Are you talking the technical? >> Yeah. >> Uh, everybody's very busy. Um, >> yeah. >> We got three of us and we don't even. What's the point at that point? >> What? Nobody said that. >> You ever you know, every movie has a. director and uh you some people some. people like being the director. I don't. I don't any elbows or anything. You are very often the director, sir. Nice try. Well,

>> cut corner. Yeah, you you know, you just uh. someone's got a game plan and then you. run it. You see where it goes. >> Sometimes sometimes you're in the mood. for cake, sometimes you're in the mood. for, >> you know, it's just depends. Oh, man. Okay.

Oh, that's a lot of buttons. >> Uh, no, cuz she's not in like the worst. Her balance on this is $8926. and the minimum payment is $446, which. means it's paid off in two. But again, we're combining it like it's. combined if our entire intent is to be. combined, >> right? Sake, guys. Why? Why screenshots from. web pages? This is so difficult. >> Yeah, I I couldn't get a print off. This. is It's just more information. Yeah,

it's just more information on it. >> What about this? Same thing. >> Same thing. Yeah. >> Okay. Money owed to friend to whose friend? >> Nine. >> You owe your friend money. >> She owes her friend money. >> Yes. >> Did we know this? You did. Okay. What do. you owe your friend $5,000 for? >> Car. >> What? Yeah. >> What do you Did they get the car and. they paid for it for you or you got it. from them and you owe them? >> Uh yeah. So, um it basically purchasing.

off them. >> What is the car? >> Uh h a Nissan versus a note. >> Is this a loan or is it just paid to. them? >> Uh it's a loan. >> It's a loan from a bank. >> Yes. >> Oh, no. No. No. What's the interest rate. on it? >> Oo, I don't remember. >> Cuz I just Why weren't you able to. access it? cuz I just have this written. on a piece of paper. All All sides of. y'all are disorganized. What's the. minimum monthly payment on this? >> Um 150. >> Okay. >> Until I basically step up enough to pay.

it off and then get it switched over. >> And we don't know the interest. Okay. Me. When did you do this? >> 2022, I believe. >> Oh, okay. So, this is around forever. Do. we have the value on this car? >> It's very low. >> It's very low. >> What? Two, three, one. >> Probably like 1500. >> Oh, for [ __ ] sake. What are we doing? Is this car going to last? >> No, it's already having issues. >> Oh, it is. What are we seeing? >> Uh, engine leak.

>> Are you handy? >> Not really. >> Are you guys handy? >> The good thing about uh being broke is. that you learn how to get more handy. I've been fixing my car a lot recently. Um, >> and then I also am pretty handy with. cars. Alice is so Do we know what's. wrong with it? >> I'm going to probably put a little more. effort into looking to it. >> For sake, how long has this been going? >> She's been having issues with it for a. while. >> Since I bought it. >> Since I bought it.

>> 3 years ago. >> Since I bought it. It was asis. >> We haven't learned. Well, we haven't. figured out what's going on. >> No, it was a minor leak. It's not. usually an issue. Um, it's been recently. issues lately. >> Yeah, >> dude. This is crazy. are. And you can get through your job in. this. >> Yes. Yeah, it runs. >> What happens when it doesn't? >> What do you do? >> Uh the only thing it does is shut off. after a certain amount of RPMs. >> That's it.

>> Uh and then you just turn it back on. >> Yeah. But what what when what do you do. when it doesn't? >> Um. >> how do you get to work when it doesn't? >> She'll have to learn how to drive a. truck. >> So there's a bonus truck sitting around. >> My mom has a spare truck that. >> And your mom doesn't go anywhere. Not. often. They have a They have a couple of. vehicles. >> You can't watch the kids. Okay. >> But the goal is to get it paid off and. then trade it in. >> Get better. Yeah. Trade it in for 1,500. and then get what? >> Okay. A firm. Who's the firm?

>> Uh mine. >> Okay. What are you doing? Pull up your. firm. >> Well, I see it's Walmart. What are we. getting on Walmart? >> So, a firm. >> Yeah, just pull it up. was for. hold on. manage. >> $300 purchase of something. Uh. >> this is for the Walmart. >> So we were doing Walmart really bad. Um. and. >> while spending $2600 minimum on bull,

>> right? >> Yeah. >> Right. >> So we needed groceries. >> and we did that. >> Did he know? Did you even discuss with. him? I think I tried to, but. now when you did that, did he know you. guys also blew $2,600 on [ __ ] when. you came and said, "We don't have money. to get groceries.". >> Uh, I guess not. >> Exactly. >> Cuz how would that conversation have. gone if she did bring that full. information to you, Joey? What would you. have said? >> Um,

completely unprepared for any of this. It's a $26.76. payment. $365 is the balance. Now, Joey, something that I think is worth talking. about while we're having this. conversation is when you walked out, she. said that you're probably furious, but. what you're going to do is just shut. down from that. What do you want to do. from here? What do you want to see the.

productivity look like from here? Because if we just shut down, nothing's. going to happen, right? So, uh, >> what do you want to see happen from. here? >> I. I work I work really hard. I do. >> I do the best that I can and um. it looks like it's being squandered and. um I'm not going to be able to retire. the. Look at this. How do I crawl out of.

this? And. >> well, I get that. this sucks. But I want. to hear what do you want this to look. like going forward? The conversation, the finances, how we're managing it. because again, she says you're going to. be very angry at this and I think that. is very valid. However, she says you're. going to shut down and I think that. might be unproductive. So, what do you. want to do going from this conversation? >> I'm I'm wondering if maybe I should be. the one who's dealing with all this and. >> maybe Alice ought to be the one who's on.

a stipend. I think that maybe we should. all be dealing with this together as a. group and not one person is the only one. involved. >> Hi, listen here. Financial audit. I've. curated the exact resources and tools I. personally use or would use if I was in. certain situations. So, take advantage. of these offers in the resources section. in the description below. The first one, I've moved my investments to Weeble. Do. the same and transfer to my investing.

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life today. You know, I I I might have. been more inclined to agree with that. if um. these these numbers are suggesting that. what we're doing right now isn't. working, >> right? And what I've been doing is. nothing, >> right? And I am have been asking you. to do something with me. >> for a long time. >> Yeah. >> And I think it might be best if.

everybody is involved in the finances. >> I think having a person aware of cuz I. like I use the budgeting app. Yeah. The. the the dollar-wise um and I didn't know. how much I spent on fast food. you just. kind of like it's like $10 here, $10. there. And I spent like $300, I believe, on fast food, >> which is outrageous. That's more than my. grocery budget that I set for myself. >> Yeah. >> Um I think that's something you guys. both need to really look at and keep to. and like.

>> even if you have to have like a limited. amount that you can ask access to for. emergencies until you guys kind of get. out of this or. >> what do you think of that? >> I it looks like the only way forward is. uh we're going to do this Javier Milelay. style. We're going to make big cuts. We're going to tighten the belt in ways. that are incredibly uncomfortable. And. >> how are you going to uh approach that? How are you going to be a part of that. conversation? >> I I think that first of all, therapy. might not be the worst idea. This has.

come up a couple of times. And after. this, like um I was so sick seeing all. this that I I had to leave the room. Like I I I couldn't even be near it. And. this is this is my future that we're. talking about. >> Mhm. you're doing me a big favor right. now by trying to help make my life. better and I I appreciate that and um. right now you're the messenger and I'm. incredibly unhappy with you for the. things that you're telling me. You. >> should be. >> and and I please don't take any of that.

personally, but I I need to [ __ ] get. right. >> And I I'm. I'm wondering how much this should be a. collaboration. how much I I should just. I don't know. >> You can sit there and point fingers and. say that all of this spending was me, but we know it's not. It's all of us. >> Oh, yeah. I'm on there, too. >> You're on here. I'm on here. On here. You also go to the gas station. You also. swipe for your energy drinks.

Like, >> uh. >> I know you don't do a bunch of it, but. we're both really bad about when the. kids want something. We get it for them. >> I I get nothing for anyone. And I get. the the taquitos. Let's go ahead and say here, could you. get the. >> gas station stuff? >> He actually gets taquitos. Literal. taqua. Yeah, he does. This is I. >> He does get taquitos. >> That's Yeah. Let's go ahead and uh here. you got the calculator. What's um I. don't know, probably uh four bucks for.

the taquitos, four bucks for the the. uh monster. Let's go ahead and call it. $8 a day. Let's assume I do it. Let's. assume I do. Let's I have a coffee pot. in my my office. I do a pot of coffee a. day. Just under 3,000 bucks a year would. be that. >> I'm not blaming you either. I'm just. saying we are all in this together. >> No. Yeah. >> You should have been involved.

>> You should have been involved. >> I should have been involved. >> But Alice has been. >> I've been the only one involved. >> Yeah. Um, a lot of this debt came from trying to. start up the the business. Um, >> and it may have, however, it wouldn't be. here today if we weren't blowing all. that money on bull. If the [ __ ] was. going to pay it off, listen, you went. into debt for something. Okay. But now.

it's continuing and we're behind on. what? >> Everything. Everything. >> Yeah. Ton. >> This is This is madness. Do you feel. like the numbers are off? Like you were. looking at me at the beginning when it. was being read off. >> Uh the I feel like like well cuz like. the the he was but he had like said like. some of that's Walmart and stuff like. that and that makes sense like once that. got like that makes sense. >> The unknown category. >> Yeah cuz that that does make sense to me. cuz. we spend so much in in groceries. You've.

seen it. You've been there with me doing. groceries. It's insane. >> What's the health equity? Health Equity. >> It's called Health Equity. The account. >> that's me. That's uh medical bill. Um I. went to the ER. >> when. >> within last year at some point. >> to get her pregnant too. >> No. Uh migraine blood pressure, loss of. consciousness, that kind of stuff. >> Okay. Well, why are you still going to.

fast food? >> Um. cuz I like it. Do we like having another emergency room. visit soon? >> No. >> The blood pressure, fast food. >> doesn't go great together. >> Yep. >> It's a fun fact. >> No. >> Okay. >> Yeah. I I'm terrible and I love it so. much. >> Believe it or not, even though the fast. food um looks horrible, I don't actually. like eating fast food. It makes me. horribly sick. >> I get fast food cuz other people like to.

eat fast food. Well, we're talking about. her right now. >> And we both We are both going to still. talk about her. >> We are both sweet treat vampires. >> Okay. Um it's a $40 a month payment. Um. yeah, $900 total, I believe. And then to. the doctor directly, I think it's 172. >> So 900 is owed. >> 900 is owed. >> Okay. $900 is the balance. $40 payment. >> Yes.

You feel like you always got to be the. center of attention. >> I am the center of attention. >> I guess technically you are. It is your. show. I'll allow it. [Laughter]. >> Do you guys enjoy that? Now you guys. love her. Doesn't mean you have to enjoy. every quality. >> The insanity is fun. Joey enjoys nothing right now.

>> Yeah, >> which is fair. I I feel like I'm I'm at. a funeral. >> We're definitely at a funeral for how. you guys are spending money going. forward. >> I hope so. >> We're burying McDonald's in the ground. Okay, we continue. Um, USA Classic. check. Is that the end of debt? Um. >> cuz there's a lot of paperwork still. here. >> The documents weren't in the order that.

I wanted them to be. So, I'm okay. >> Well, just go in the order. I mean, it's. chaos. You guys didn't send statements. It's. >> Well, I'll deal with it. Uh 800 bucks in. this USA classic checking. Who's is this. your guys'? Are you guys join? >> Yes. >> On that. Is this the main guy? Main. checking account. >> It's a uh No, that's not our main. Our. main is the Bank of America. >> What is this? What's the purpose of. this? Uh that was his like original. checking account. >> What are we using for today though? >> Uh mostly bills. >> Okay. But it's not the main checking.

account. >> No. >> Curious. Okay. Uh for bills, guys. Here. we go. Hot Topic vending machine. Superale bin. Going in the gas station. Getting some bull. PayPal. Hulu. PayPal. affirm. And a Patreon membership of $15. Listen. Hammer elite on YouTube. 10. bucks a month is much better than that. I guarantee it. Three premium shows. posted every single day when you click. that join button below. PayPal, Netflix, Spotify, Boost.

membership, PayPal. PayPal, Hulu. Go in. and get some bull. PayPal. What is all. this PayPal? Me Island. Another Patreon. membership. Great. >> What's Makuz Island? >> Makuda's Island. >> Oh, that's was the kid thing. Yeah. Okay. >> Great. Look at all the [ __ ] Still. has bills. Those are bills. Those are bills. >> Yeah. That's what keeps our kids happy. >> Yeah. They're not going to really be. happy when they're in their mid-40s.

trying to survive, but they have to put. their life on hold to take care of their. parents because their parents never. sacrificed when they were younger and. all a sudden they no longer have. retirement and social security is. substantially less than it is today. >> Yeah. >> That's what you're doing to your kids. Trying to set them up for any kind of. future. I don't see it. Are you trying. to pay for their college? I don't see. it. Are you trying to help them start a. business? I don't see it. Are you trying. to give them a foot up in this world and. give them a generational change? I don't. see it. They will be you will be living. with them like your parents are living. with you. And how is that always? Is. that great? Always. >> No. >> No. Okay. But that's what you are doing.

That is the choice you are making based. on the bull spending you are doing now. >> Okay. $3,000 in this Bank of America. Uh food city. Is that groceries? >> Groceries. >> Okay. Well, at least that's groceries. Pet Smart, but it's like two bucks. Going in and getting some gas station. Teemo. Teeu. Yeah. Who's t-ooing? >> That was me. >> Why are you t-oing? I thought we moved. on. >> I got shoes and clothes for the kids.

>> I think that's another vending machine. Uh, some bull. Vending machine. Some. bull. Going in and getting some bull. Sonic. 50 bucks of Sonic. Yeah. Zelling. out 200 bucks. Getting some bull. Takiierra. McDonald's. Break the cycle. McDonald's. Get in some. bull. Get in some bull. Blue window. Get. in some bull. Bull.

Market at work. >> It's a vending machine. >> Boarding goods. Vending machine. Papa. John's. Starbucks. Zelling out money. Bull. Zelling out 200. Zelling out 25. Going in and getting some [ __ ]. Zelling out 300. Mr. Car Wash. Live in. the desert. I'm okay with it. But rare. here and there. >> The zeal is between accounts. >> You guys also have a house. Fill a. bucket of water. Dump it on your car and.

spray under. Okay. Cuz that's what we're. trying to do to avoid getting the sand. everything. Vending machine. Oh. Mini time machine. How tea vending. machine McDonald's going in and getting. some [ __ ] Dairy Queen cash app out. $5. Taki te how do you say it? Takaria. bosome donuts. Burger King. Going in and.

getting some bull's coffee. Going in and. getting some bull. Getting some bull. McDonald's. getting into bull. armless Arby's cash app out money going. in and getting the bull vending machine. Guys, this is relentless. This is. insane. Look at the spending we are. doing while we are drawing in debt. You. are putting your spending over your. children's future right now. Sonic. driving zelling out $400.

>> All of the zels are between accounts. It's crazy. Crazy. That spending is insane. What does anyone think about what we. just saw? Cuz what the. >> It feels like a lot of waste. >> It does feel like a lot of waste. But. all all of the zels are between. accounts. So that's how I get. >> Oh, come on. The zels were a vast. minority of what I was talking about. saying all of. >> Yeah. How do we feel about what I just. went over? I don't care about the cop. zel. >> Oh, it's not great. No, it's not great. Like there's there's way too much eating. out. Like way too much eating out. It's.

not good. >> What do you guys think? What do you. think, Joey? Because here's the thing. You want to know what just happened with. your wife? I called out the bull. We talked about. thousands of dollars of bull there. Then. then she tried to deflect with, "Oh, with the zel." Yeah. Uh it's easy to. focus on the part that's justifiable. It's really easy to point at that and. say, "Look, look, look, that that part. was very important. That's fantastic. that that part was important. That was one month's worth of. statements.".

>> Yeah. Oh, yeah. That was one. That was. one month in that in that account. >> How many How many of those were were. Burger King? There's. It's twice a week. Three times a week. >> Vending machines, mister. I only go to. the vending machine once a day. >> They were about once a day. But that is a big thing that is it's. happening constantly. >> Yeah. Well, buying it at the store is. just generally cheaper. >> Yeah. >> What is this Burger King thing? No, it's. just like it's just a every every meal.

is a a big event over at at the the. drive-thru. Everything's a big. drive-through fiesta. When I feel like splurging at work, I'll. have a peanut butter jelly and a brick. of ramen. That's how I treat myself if. I'm having a particularly rough day at. work. And to find out that while I'm. over here, I'm down 20 lbs. I've been. eating so little. I'm down weight. I. haven't been working out. I haven't been. trying to do better. I'm not eating. right. I'm not eating good. I'm eating.

less. And while I'm over here literally. tightening my belt to find out that. two, three times a week, there's there's. a fiesta going on over at at stupid. Wendy's. I I I. don't know, man. >> And I'm just as guilty. I know I am. When you get to mine, you'll see it on. there, too. >> Thoughts on the fiesta? Like I said, when the kids want to go eat out, we.

kind of just do like. >> So, it's impossible for you to say no. and act like an adult. >> It's not It's not impossible, but I do. know that I had there's been a lot of. guilt. There's been there's been a lot. of guilt lately. And I know it's been harder to say no to. the kids. And that's not good. I know. it's not good. But I know I do it. Like, I know I do. Like, I can't I really. can't justify that. thing cuz if it was. if it was just me, I would say no cuz I.

don't really like it. It doesn't make me. feel good and I don't. >> But we get stuff too. >> We do. I will I will eat I will eat. there. I'm not saying I don't eat there. I'm just saying like. >> I do it a lot of times. for for them. >> I think the kids need a big dose of. vitamin N. >> Yeah, they do. >> I think we're going to we're going to. need to start getting real comfortable. with the word no. >> Yep. And I I think that it's unfair to blame. all of this on the kids here. >> It's not all of it on the kids. Like we.

we do it, too. We're We're bad about it. >> It's hard. >> Cash App. I see $340. You want another water bottle? You're. going through them? >> I'm I appreciate it. I'm staying. hydrated. >> Okay. We've been here for a second and we'll. still be here for a second longer. So, a. rare mid episode. grab.

Okay. Bank of America $83. I mean, cash. app. There's a few hundred bucks. Yeah. Looks like he went to McDonald's in. June. I don't know. And there was. probably more, but again, you didn't. give me a statement. So, $83 in this. cap. Bank of America. You said this was. the main one, right? >> Yeah, Bank of America is the main one. >> It's mostly just money being keep the. change, moved in, and then we. immediately lose it all with the $8. monthly maintenance fee. So, I don't. really see the point. And then we're. transferring money out. >> We're We keep the change going in. It's. a small little charge or it's a roundup. thing, right? But then you pull it out.

and then you pay a fee to have this. account. This makes no sense. You're. losing money having this account. >> There's another fee. >> Keep the change. Keep the change. Keep. the This is Okay, that was nothing. This. is pointless. Why even have that? That. doesn't make sense to me. Okay. Uh, >> listen. I heard there was an upstart. loan somewhere, but I am not seeing it. What loans have we potentially missed? >> So, the only um the other debt I have is. $10,000 with Upstart. It was a part of.

the debt relief program, but I'm. breaking off from it and just going to. try and negotiate myself. >> Okay. What's the balance of that then? 10,000. >> 10,000. >> Okay. When? When? And what? Why? >> Uh that was for um an RV. Um. >> an RV. >> Yes. when. >> uh 20. >> start. >> Yeah, I think it was 2021. >> Was this a down payment on an RV? >> It was for the whole RV. >> Okay. What's this RV situation right. now? >> Um, it sold. >> And you still owe 10?

>> Yes. >> And you're going to negotiate it or are. there minimum monthlies on it? >> I'm going to negotiate it, right? It. went to collections while it was sitting. in debt negotiation, so it wasn't really. worth it. I'd rather negotiate it. myself. >> What did you sell it for? >> I think it was 14. What did you buy it. for? >> 14,000. I bought it for 25,000. >> Oh, >> and it was with. >> Why did you stop paying? >> I couldn't afford this. Was at the same. time where all my stuff kind of went. into either debt relief or collections.

when we separated. I couldn't afford it. anymore. >> Is there any other debt, Lindsay? >> Uh, I have a. >> You have three more things to. collection. Yeah, I've got Best Buy for. 615. Verizon for. >> one time. Sorry. >> 650 Best Buy. >> 615. Sorry. >> 615. Okay, great. >> Um 295 to Verizon. >> Okay, slow down. 295 to Verizon. >> And then, >> okay, we just decided not to pay any of.

our bills. Okay, what's the next? >> And then 300 to uh internet company, Mediacom. >> What do you guys think of all these. collections? How could I sit there and criticize. >> a couple hundred bucks? are criticizing, but just like you're hearing it for the. first time. What do you think? >> Well, uh, >> she's bringing it in. If we're trying to. combine everything right, then we're. bringing it in. >> She's bringing it in. She's also. bringing in the discipline to have. addressed some of these things. And, um, at this point, I I'm not terribly. worried about Ella.

>> Yeah, we've already discussed a lot of. it. So, >> I mean, I didn't take care of it until. this past year. I just let it sit. Well, I mean, other than debt relief, we. always made sure to pay that one. But um. it didn't seem doable until it was. doable. >> Yeah. >> Even though it's small, but like you. know I told you guys daunting. >> went from homeless to apartment. >> after the situation. So like I I should. have paid started paying off right then. and there. >> Yeah.

>> But I blew money there. It's going to be. on there. >> I knew we blew some money, but I didn't. realize how much like honestly I can. honestly say I didn't realize how much. we were blowing. And like it really does. put into perspective. And while this is. terrifying and exhausting, I am really excited to get on a path. where it doesn't feel daunting cuz right. now it felt so da so daunting and I felt. really. >> Okay. Okay. Okay. So, >> okay. Okay. This wasn't.

again it was about her sake, dude. >> Yes. It was about your thoughts on her, but it's not about your. Why doesn't it doesn't all have to come. back to you? We're not going to get out. of this together if it's all about you. I mean, that's true. I'm sorry. I'm not. saying that to be a dick. That's just. how you're doing it. Uh, we really want to fix this. This way. we can build a a more secure and decent. life together. And it's really unfair to.

bring Ella in on the the disaster that. our life has become because I I haven't. been doing the right thing. And Alice. thought she had it handled and she. didn't. And I I never. We want our lives to be better and we. want. her to not have reasons to walk away. from us. We want to build something. worthwhile. >> What do you feel now on the walking away. scale? >> Um everything is achievable, but it does.

take. >> he's optimistic. um a lot of work and. discipline and I would like to have a. lot more say on you know saying no. >> Yeah, this was a mess, guys. This was an. absolute mess and it's still a mess. going forward. $1760. in this Chase account. Okay. Salvation. Army, McDonald's. McDonald's, Magpipe, Waterburger, Premium, Amazon Prime, selling out $154.

More [ __ ] Bringing it down from 98. to $17 on our checking account. Oh, good. We've overdrafted this year. >> Mhm. I think twice or three times. >> Why are we overdrafting and going to. McDonald's? >> Uh, that's. >> overdrafting and McDonald's off. What. are we doing? What kind of [ __ ] is. this? >> Yeah. Uh, that is now my main account. I. my wisely was my actual main account. through my work. So I switched. everything over eventually when I felt. like I didn't need that couple days in.

advance payment. But it is a it is a lot of bull except. for the the zel. The zel is car payment. The [ __ ] I do. the [ __ ]. >> Ber drafting while going to McDonald's. This is insane. Insane. while having a monthly service. fee of 12 bucks just to have this. account because you don't keep enough. money in there. >> wisely. Yes. So was your main $2 in. there in the main at the time. Door.

dashing. She's door dashing something. for 27 bucks. >> Matt Tutu's Island. Makutus Island. IHOP. McDonald's going in the gas. station getting some [ __ ]. McDonald's. McDonald's. McDonald's. Amazon Prime. Video Premium Airbnb 336. Why are we. going on vacation when we're dying? >> Uh, it was the summer vacation. >> And why are we doing that when we can't. afford life?

>> Cuz I wanted to go. >> Thoughts? This is who we're bringing in. >> We all went. >> No judgment, sure, but come on. What the. we doing? Why are we doing this, guys? We can't be going on trips if we can't. afford to live. You cannot tell me, "Oh, no. I couldn't pay my credit card. payment if we're spending 336 just for. an Airbnb, let alone the travel costs. and food and whatever else we're doing. there. >> Yeah. It Yeah. >> Yeah. That's our That's our. groundbreaking thoughts. That's that's. our reflection.

>> Yeah. >> We're really going to go somewhere, guys. >> Bostonona, Domino's, and McDonald's. What a joke. This The spending's insanity. Uh 377 in uh this crypto account. Okay, >> that's mine. >> What's our intent here?

>> H. >> What's our intent here? >> I just have it. I got it way back when. when we we didn't have any debt. I just. threw some money in it and I just let it. sit there. It's up to I think five now. >> Okay. >> $5. >> No, 500. >> 500. Okay. >> Listen, I mean I have Bitcoin and that a. good return on investment, you know, sometimes at least historically. Is it. averaging 30% a year or not? I don't.

know. But your credit cards are I would. just wipe your credit cards. That's one thing we know is going to. have a negative return is credit cards, >> right? >> Uh $25 in this some kind of retirement. target. We Someone's in a target date. funded 2055. >> who has retirement. >> That's probably me. >> Okay. We are dramatically behind as a. household in retirement. What is this. additional. >> uh Oh, thrift savings. So, this would be. you. 6,000 in there, right? So, 15 plus.

the six. >> Is that correct? >> Yeah. So, or 25 plus the six. >> Yeah. >> Yeah. That he has he has two. He has one. from his previous and one. >> 31,000 in retirement. Okay. >> Yeah. >> That'll keep us running for. several months, it seems. >> Well, that's all the paperwork. >> That is all the paperwork. So, bathroom. then? >> Yeah, we can do a bathroom break. [Music]. >> Yeah. Keep your chin up, though. >> Okay.

>> Yep. >> Sorry about that. making a nice little pile back here. >> So, I wanted to say Caleb is very right. about something. You are coming into a. lot. >> I'm fine. It's okay. I knew. >> you don't have a ring. >> Oh my god. Are you kidding? >> You've been dealing with so much and. you've been doing it all alone. And it's.

not just us. It's us. >> Yeah. And maybe there'll be more. Maybe. there'll be more rings. Maybe you'll. have a whole handful of rings. Right now, I wanted to at least. Yeah. >> See if this bad boy. >> Oh, you know, it's gamble. >> Oh, almost. Almost. >> Oh, you know what? It's fine. I'll take. it. Let's do it here for now. >> There you go.

>> And it's gold. So, it's not going it's. not going to hurt your little finger. >> I hate crying. >> She's been trying to do that for months. >> Here. Here's a little box. >> I know how you like tiny little boxes. >> I do like boxes. >> Okay. Um Okay. Well done, I guess. Guess. Well done. Now you have one. Now. you have one on you. I think that's very. sweet of you to think my fingers are so.

>> they look they're very dainty. >> How much did you spend on that? >> So that that should have actually been. in the statement that was 100 and. >> Okay. >> I think it was only like 113. It wasn't. it wasn't crazy. >> Well, should we make a budget? >> Absolutely. >> Interesting little detour. Okay. >> What's that again? >> Does he have to propose to How does this. work? He he will when he's ready. >> None of us know the rules, man.

>> Uh, is that how that works? You propose, but then it. like legally nothing happens. >> We'll still do a ceremony eventually. >> with three. >> Yeah. I think that um for a long time before. uh marriage was a government recognized. institution, it was people who loved. each other expressing that to their. friends and family and community and in. a in a way that everyone around them.

recognized. I don't feel like I need the. power of the state to recognize. >> You don't I'm just thinking of her. protection. >> I trust me, I the last thing I want to. do is cause her any more grief. And. you're you're completely right. If but. only we lived in a world where. individual liberties were recognized the. way they ought to be. >> There's a libertarian. >> Look, do you do you want to know uh. maybe you'll think this is cute, maybe. you won't. The way I tried to propose to. Alice over here was one night I was. complaining about taxes,

which is not a surprising thing for me. to be doing. >> Nobody likes them. >> I rolled over and I says, "You know, you. are as tied to me as anyone has ever. been." and our lives are completely. intermingled and you could destroy me. right now. If you walked out the door, I'd there'd be nothing left." And I. says, "Why don't we just go ahead and. get married so we can get that tax break. because for all intents and purposes, we're already married. Whether we're. married or not is irrelevant because. we're we're already there and let's just.

get that tax break." And she said that. was the least romantic thing she'd ever. heard. >> and I can't think of a more romantic. one. >> I started laughing cuz I thought he was. joking. Okay. Well, our debt minimum monthly. payments without mortgage is $2,366.17. with uh the mortgage alone is $3,117. It's not including collections. It's not. including the student loans. It's not. including. uh there was a USA.

loan. I don't know if I got a minimum. payment. Your finances are a mess. So, I'm actually going to I'm going to put. an extra 100 on the debt minimum. payment. 2466. I don't know. Uh, okay. Utilities, internet, all combined. What's that. looking like on a monthly basis? >> So, that is. 500 for the electric. Internet is. 120.

>> Water, gas. No, it's um it's on a well. >> Okay. So 620. Cool. Gas vroom vroom. drive for all three. >> I'm about 60 a month. >> Okay. You're what? 160 a month about? >> I have no idea. >> About 160. >> Okay. And you? >> Um. it's going to be about 160 with the. >> Okay. So 380 car insuranceances across.

the board. >> Yeah, it's 200. And then I'm 180. >> combined 200. Okay. So 380. >> and your parents give you a,000 and then. you buy all the groceries. Is that the. deal? >> Basically all the groceries. >> Wow. You're getting on that deal. Okay. >> They they buy some stuff for themselves. that they keep in their room. Um. >> that they keep in their room. Okay. >> But I buy I buy most of the stuff.

>> Okay then. Okay. Groceries. Let me. think. 1,700. 50. TP fund for everyone. Everything else is. needed. Do you buy their uh toilet paper. and toothbrushes and. >> No, they buy all that stuff. They buy. toilet. We do it for all three of us and. the four kids. So.

I'm going to say 550. It's not great, but 550. Medical co-pays, anything like that? >> Yeah, I I have a pretty big um medical. amounts per per. month with everything going on. Um so my. co-pays are. probably about $250 a month right now. >> Okay. 250. Is there a gym?

>> Uh, yes. >> How much? >> 60. >> Uh, subscriptions, I'll try to put in. 50. Do we have any pets? >> Yes. >> Why? How many? >> Two dogs. >> Age is health. >> Um, one's ancient about 13. >> Okay. >> And insurance for that, too. Health. >> Uh, good health. >> Pet insurance, 40 bucks. Pet food, how. much a month? >> Um, 60. >> Yeah. One big bag. Anything else? Oh,

phone bills. >> Oh, yeah. Um, I paid I pay for the year. and so mine's already paid, >> but what is it a year? >> It's about $300 for the year. >> Okay. What else besides that? >> Uh, I have helium, so I do 15 a month. >> That's good. We love that. 35. And this is why you're making. progress. You listen to the show, I can. tell. >> We We have Yeah, we have mint and so we. pay for the full year for all three. So, 35 bucks a month.

Anything else that needs to be in the. budget? This is the time. >> What else do we have that needs? Oh, we. have the two cats. >> And the necessary to survive budget. >> We have the two cats. I almost forgot. about the cat. >> I forgot about the cats. Yeah. >> Ages and health. >> Um, they're barn cats, but they're um. >> Okay. Are you not getting pet insurance. on barn cats? No. >> Do you not care? Okay. What about food? >> They they're probably about $60 is about. the same. >> Cat litter, too. Yeah, it's about the. same. It's probably about 60 bucks.

>> Guys, is is the not Well, actually, no, no, no. Because the $1,000 you get, $9,900 comes in. We need 9,81.34. Wow. Okay. >> Your salary, right? Mhm. Okay. So, I. just need to pick up registry as well. >> So, $98.66. left. Now, listen. Not including the mortgage. not. including the mortgage. So what is that? That brings us so $550,974.16.

minus. $4379116. So debt debt debt that is not mortgage. is $113,6310. with the $98.66. that takes $1,145. months to pay off which is I believe the. largest we've had on this show probably. That is also 95 years you guys will not.

be here. This is not possible. >> I hope you get accepted to school. Take. that turn into a higher paying job. If. you do not, you are going and working. literally any job that exists. I don't. care what it is. They could be driving. Uber Eats. They could be doing whatever. You need to bring in money. Your parents. need to step the up if they're going to. live there and watch your kids more. I'm. sorry that life has been hard. They need. to contribute cuz right now the house is. on fire. >> You need to go pick up as many as you. do. You're doing enough work-wise. You. need to go pick up as many shifts as you. can. It sounds like you can, right?

>> Yep. >> So, go and do that. And then we all come. together. If we're doing this combined. uh listen as far as banks go to combine. into an account I don't know with three. people but either way combine sit down. together even with the anxiety and we. discuss where money went last month. where it was supposed to go where weed. up and what we need to do to adjust next. month cuz this does not have any wiggle. room with 95 bucks left. Okay? Or with. 98 bucks left. Okay? And listen, the.

solution might be once you guys change. your behavior for three months, go. through bankruptcy and do a clean state. slate. I don't love it. It's expensive. It's stressful. And it's weird. Once we. get three people involved, it won't be a. three person bankruptcy. So bankruptcy. might be an option. I don't know. But. it's just the dynamic. It's not like. three would be involved in the. bankruptcy either way. But it's just. like. >> So there's a few solutions. Yes, income. Let's build it up. Still might be a. 10-year payoff plan. Maybe we do. bankruptcy. But before you do either or. while you're doing either, you need to.

prove you change your behavior and we. can budget as a household. Especially. with this curious dynamic, right? >> That's what I'd recommend. I'm going to. give them their Hammer financial score. Let's do that calculation. But first, make sure you click that join button. Join Hammer Elite for three premium. shows every single day, Monday through. Friday, and join the post show for this. episode. An extra 20 minutes of this. episode where something crazy always. happens and we'll find out. Hammer. Financial School for the Household. Well, we overspent. Zero out of 10. Debt, we have collections. 0 out of 10. Emergency fund, we had a little bit in.

checking account, but nothing in. savings. But for the few thousand. sitting in that checking account, I'll. at least give you one out of 10. Be. generous. Retirement, dramatically. behind. What was it? Total 30. >> About 35, you said. >> 35. And we're like mid30s on average. with the household. Very behind. I'm. going to say 2 out of 10. Real estate. barely an equity position in a house. that needs massive updating anyway in a. market that is kind of in the middle of. nowhere. It's not thrilling. If you sold. it today, you wouldn't make much money, but at least you have an asset that will. theoretically go up in price that at. least gets you a 5 out of 10. And the.

interest rates, not disgusting. It's going to be a Hammer financial. score just barely rounded up to a two. out of 10. Click that join button, join. us in Hammerly, and don't forget to. download the Dollar Wise budgeting app. and get your free trial today. We'll see. you in the post show. There's another. debt. So, we have friend debt and now we. have family debt. What is the family. debt? Who do we even owe and how much? >> It's uh it's my uncle. >> How much do we owe to your uncle?

>> Uh it's um it's. >> exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.