Financial Audit’s Most Evil Guest

you have no self-control not really so. why have you not worked on this because. I don't care how do you get out of a. hole when he has that mindset I have no. idea I mean it's my money not our money. my money it is my money I pay for her. house I pay for her groceries it's a. little hurtful when he says stuff like. that I don't like talking about he's the. problem she doesn't hurt my feelings she. just thinks she hurts my feelings I kind. of feel like I've given up a little bit. cuz I don't I don't know. what download my new simpler budget app. today and take control of your your.

money once and for. all hi my name is Tessa and I 26 hi my. name is Wesley and I'm 28 and we live in. Colleen Texas and this is financial. audit every fuing time Colleen man. Colleen if I have someone from Colleen I. know it's going to be a wild episode. this is something about Colleen there's. like a chemical leak there it's just. like probably up everyone all right well. let's start with you Tessa you're in. front of me so what do you do for a.

living um I work at a small animal. shelter um I'm an animal control officer. but I mainly work at the shelter okay. what are you making um I think I. make I know what I bring in I don't know. what I make hourly I think it's 18. 14 I've seen comments recently like how. does someone come on to financial audit. and not know what they make and honestly. I'm also confused and concerned at that. how do you not know what you make hourly. so that when you have a conversation.

about getting raised to an hourly wage. you know like what you're getting paid. versus what you're going to get paid. like how do we not know uh cuz I don't. really think about the hourly cuz I mean. I know I get a raise every year and it's. a 3% raise but I don't look at well. that's more of like a cost of living. raise that's not really it's not like an. actual beneficial R you know how many. hours a week you work yes I work 40. hours okay so wouldn't it be important. then to know I mean I know can work less. I mean he's not he's obviously a green. out of the gate like oh yeah she should.

know what do you think I don't know what. what is your perception of this uh I. think she should know how much hourly. she should make yeah she should be also. trying to increase her hourly for what. she does well is she not no there's not. really anything I can do like there's no. way to move up other than take my. supervisor's job cuz there's only three. of us at my job or move to a different. place yeah it's just really yeah I've. been looking it's just kind of hard. what's looking um I just kind of browse.

and see what other places are hiring um. and what the benefits are because I try. and look at the benefits um cuz that's. really important to me because I have. really good benefits CU I work for. benefit is good but there is a a a break. even point and a point where you make. more over the lifetime you know when we. calculate compound interest that you're. putting into a retirement account there. are different things but I do understand. that yes public jobs usually come with. some good bennies okay so what hits your. account then if that's what you know yes. by week I make.

$1,048 hold whoa 1,048. mhm okay that's really not much we're. talking. like what. is $25,000 hour a year net mhm you can't. survive off of that how long have you. guys been together cuz no way you'd be. surviving no we've been together since. high school oh oh sh really.

yeah she's had this job going on five. years now yeah what year in high. school I was a senior I was a sophomore. oh Twitter's not going to like that guys. Twitter is not going to like that it was. legal they're not going to like that you. said. that okay and. you um Mr PDF what sorry what do you.

make so I make a salary which is also. turned into hourly hourly I make 3606 an. hour okay now that's what we're talking. about one knowing our wage two a good. wage um okay but I also make per DM for. every day that I work which is $125 a. day really yes sir what what is that. meant to be covering uh living expenses. um wait what do you do so I work in the. Powerline industry I yeah you do that. makes more sense I was a transmission.

lineman and I got out of the field. around when we had our daughter and I. became a assistant project manager we. have a kid yes what's the age of the kid. uh 16 months oh okay is this the only. kid yes we had a power line a power line. technician or a lineman out at one point. on the show and he made a ton of money. so what is hitting your account on a. monthly basis for everything it arranges. so average average is around.

1,500 he said monthly monthly not, 1500. week oh. okay so about six grand yeah just about. obviously some months we have less some. months we have more if it's per week. February like some months I have more. due to overtime so the way our my. company works is anything on Saturday. and Sunday as long as it's crew. supported I get straight pay right uh. but my salary is always but we're.

averaging 6,000 we're averaging yeah. 6,000 including like really good. overtime months and really just bad so. what do you average what do you average. make then what average hits your account. I need to average this thing average. would be seven Grand probably seven yeah. okay and then the lower end is probably. six so with that I mean that makes sense. and for a range that's not that. crazy so with that I mean we make as a. household $96,000 a year net mhm you.

were talking net right with that 7,000. so that's delicious oh wait no no no no. no sorry no because of that new number. now it's a little more th 8,000 hours a. year it's incredible yeah so why the. [ __ ] are you on this show you wouldn't. come on the show if they okay what's. going on guys what are we talking about. I like to spend money and not tell my. wife yeah that's a classic situation on. the show at this point oh okay would you.

agree that's why you're here yes. definitely he really likes to to buy. things all the things and then I'll look. at our bank account and I'm like hey. what is this and he's like oh yeah. that's this or that's this so that's. super fun why aren't you guys talking uh. we do it normally just doesn't end well. and we try uh normally it's just an. argument. and it doesn't go give me an example.

like give me like your last last major. conversation around all this uh the last. major conversation one of us ended in. tears which one not me who could guess. that was me tell me what happened um we. bicker a lot um growing up my parents. fought about money so it's never made me. comfortable to talk about and I always. feel like I'm being judged for how I. spend my money when I make the money but. I so you feel you you view it is yours I.

don't view it as mine I view it as I. worked hard like he put the effort in to. make a lot of money 70 to 80 hour week. if you blow it all you're working hard. for something that's not going to be. there but I can't take it with me when I. die yeah but when you die statistically. well multiple decades from now and you. already have a kid yeah that you might. want to set up in some kind of way or. prepare you guys for being set up in. some kind of way so that they're not. putting their life on hold okay so the. conversation went how when.

what um. basically the conversation did not end. well um she discovered that I had a very. high credit spending limit and spending. limit spending spent credit how did you. find out how'd you find out I told her. he outed himself I outed myself how'. this conversation start though like what. what we were just sitting down all of a. sudden you're just like yeah H Tessa. yeah I mean I think we were just laying. in bed after watch TV just I talk a lot.

right before we go to bed and normally. someone's like okay good night good. night and I was just rambling and then. it was right there right before turning. over for bed yes it's a horrible time. exactly yeah I talk a lot to him right. before bed cuz I feel like he's trapped. he can't go anywhere and I get all my. words in for the day well you want to. get in all the [ __ ] though that. wasn't me he started yeah but it's. confrontational that very. confrontational yeah okay so then you.

told her what did you tell her that I. had spent a lot of money and that's it. you said a lot of money I had spent a. lot of money and that I I was not proud. of how far IID Let It Go but I knew that. over the last month couple months yeah. wait no no how did you how what did you. actually say please I want to be in on. this to know how this goes how this. relationship goes when you guys talk. about money what what did you.

say I said that we. were we were going to have to make some. payments um or by get a personal loan oh. yeah okay um to afford the payment. because oh to afford the [ __ ] payment. yeah the pay oh $106,000 a year net in a. pretty cheap area me. [Music]. okay okay yeah and then and then what. happened from. there I took all my credit cards out of.

my wallet like the dramatic queen I am. and bent them in front of her and threw. them at her not aggressively but like at. the floor. angrily but yeah I have a hard time with. all that because I try and plan things. and I want to have good things and then. I find out well we're kind of in a. little bit of a hole and maybe all these. plans can't go the way that I thought. what did you say I don't really remember. it's probably been a couple months since.

that specific conversation but but you. guys just bicker back and forth uh yeah. money's always been kind of a hard topic. because we have very different views I. like to save money and I like to see it. just sitting in the account is that true. when I go through this will this that be. true will that be proven true yeah yes. yes sir okay so how do you guys actually. manage your finances together then if we. have a spender we have a saver and we. have someone that has to admit that over. the last couple months.

I've spent all this money on a credit. card and you only found out because he. said that in bed so how how are we doing. money for the house um I think a few. months ago or I guess in October I set. up a separate bank account where my. income goes really why uh we split the. bills so that some come out of one. account and some come out of the other. because what's what what's some account. and then what's another account are they. shared accounts or are they individual. accounts uh they're both shared accounts. so we both have access to them um but. just one split it do you mean you guys.

are splitting it or these accounts are. splitting it the accounts are splitting. it but the accounts are both of our. accounts yes so why why are we doing. that because if there's money in our. main account it gets spent versus you. have no self-control not really I really. don't I okay and you recognize this and. you're telling me this so why have you. not worked on this because I don't care. I just like to spend money then you guys. aren then how the fu are you guys going. to make it then if if you if you just. straight up sit here and come here and. say I don't.

care because I I know money's coming in. the next week and I know then you spend. it I don't always spend it but I have an. idea of does he always spend it most of. the time so so what are we talking about. then like how are you guys going to. survive at that point you guys as a. couple I spend the money I don't care. yeah what are your thoughts on all this. I have a different upbringing with money. so I have a really hard time trying to. see his point of view yeah but how your. thoughts of surviving this how are you.

guys going to survive this what is your. thought of this in general if hearing. what he just said what do you think I. feel like we're constantly trying to get. our way out of a hole and I don't how do. you get out of a hole when he has that. mindset I have no. idea how do you get out of the hole guy. by not doing what I've been doing yeah. but you don't care I to care yeah I you.

want to care but you don't care so what. the [ __ ] is going to change it's gonna. have to be like a massive wakeup or. something I mean yeah I think the. massive wake up is the future for my. daughter um I want her yeah but it's. already been 16 months dude I. know has he slowed down in the last 16. months exactly so. no well she can't spend any of it right. now anyway I mean it's my money but. that's it's my money yeah my money not.

our money my money it is my money that. she. uses I pay for her house I don't live. there I pay for her. groceries so what. the no no no what are you talking about. I travel for work so I live in a fifth. wheel two hours from home and I get to. come home two hours how often are you. home every other weekend if I can every. other you only see him four days a week. or a month sometimes yeah and sometimes. it's how are you guys surviving that.

well he's just blowing all his money and. he doesn't care while he's also gone for. 90% of a month well if I'm at work I. don't spend the money so I you spend it. all in four days yeah it don't take very. long look private student loans can make. it feel like your one miss payment away. from selling your grandma's heirlooms I. miss your grandma Wii says chill out no. more sacrificing the Family Jewels they. don't reduce you to a credit score. number they just want to see if you're. actually planning on paying by the way. they're providing interest rates under.

6% which is practically a unicorn in the. student loan jungle I mean some lenders. want to charge you so much it's where. they were putting your first born on. layaway so if you're tired of monthly. payments so high that you can't afford a. single sweet treat why Rei's got you. they'll arrange your repayment plan ease. the monthly hit and even let your poor. cosigner off the hook mom or dad they. can finally breathe oh and if you think. you'll just get stuck on a call center. wait list guess what for 4.6 stars on. Google says why refine actually picks up.

and treats you like a real human which. is a shocker right in finance that's. something as rare as me not slaming a. desk every. episode what so if you're done. fantasizing about robbing a bank don't. do. that by the way but just check out y. refi they're here to help you actually. Crush these loans without selling your. kidneys on the black market go to. yy.com Slammer that's y refi.com hammer. or call AAA yi- 78 that's Tri yi- 78 and.

see how a real personal approach can. help you escape the private loan. nightmare because let's be honest living. with crippling debt till your 90 is not. the retirement plan you dreamed of I. just like things I like gadgets and. knickknacks and [ __ ] literally. anything if it looks cool or if I've. seen it on freaking your house cluttered. mess no no where does it all go I have. no idea. everywhere preferably my camper so she. doesn't no do you not feel just.

completely out of control he literally. just said my money for her house m is. that how you feel this doesn't sound. like a couple to me no it's a little. hurtful when he says stuff like. that I just I don't. know I wish it didn't feel that way um. but lately it has felt that way due to. not being able to come home and spend. time with them in our home that we. bought together what do you mean I chose. this job yeah uhuh and I gave her the.

option of living with me in the camper. and with a [ __ ] newborn yes we did it. for 6 months and how to go it went fine. we had a crib in there how to go I mean. we probably could have done it if and it. probably would have been a better choice. financially if we really sat down and. talked about it then why then why not. then I didn't really think about putting. my job and staying at home because I. wanted staying that' be quitting the job. yeah yeah and that would be like a 25%.

cut just about but we wouldn't be paying. a mortgage or daycare so that's been a. big thing think about that yeah yeah. okay I gave her the choice once and then. that was it she said she wanted a house. and I said okay let's find you a house. how long have you had the house we. bought it last year in. SE August you gained any Equity no no. yeah okay so. income we know what came in. we have your income it was actually less.

this last month but I want to do. expenses and I need you to guess what. you are spending on these. categories prices right style here you. go some Financial audit. pens all right give me your food. spending give me your food spending. let's have if you guys are really. together and you're combining these. finances and you know your things give. me your foods. spending who's spending for a month in.

the most recent month go ahead let's see. what you guys both think I mean you guys. are a couple right you're. together. okay he says $33,000 oh my. God you're including everything though. food like Drive drive-throughs and. groceries and everything 300 000 you. think you spend a third not even a third.

no more than that like a 35 40% of your. income I mean yeah we go to Sam's Club. and Costco and I didn't think what you. say I said 750 okay that's still. substantial well the answer was. 596 okay so why do you possibly think it. is. 3,000 eggs are expensive it's not fing. eggs dude come on why do you think it's. 3,000 I just thought I went out to eat.

more I mean there's occasionally times. where I go out to eat quite a bit just. living on the road um and I really like. waterburger. 3,000. yeah I'm glad it's not 3,000 I don't. know what you would have to be doing to. spend $3,000 on food alone well Sam's. Club and Costco can get expensive. especially buying diapers yeah but we. don't go there that often to spend that. much in an entire month probably not no.

I don't know if you really thought about. that one probably not. okay here's the next one this is extra. shopping kind of at like an Amazon or a. Walmart or a Target that kind of stuff. what do you think you spent on these. like who knows what it could be. categories that these big boxer. delivery what are we thinking what we. think. maybe 600 600 what we got 1,400 well.

this time he's the winner here 1737. holy is our money just leaving yeah just. on Big Box Amazon delivery that unknown. cuz who even knows what the you actually. got and hopefully we actually find out. more that is crazy that is crazy I. didn't think that we spent that much on. Amazon that's almost trip i00 oh yeah. 1400. but seems like a lot for a month that's.

not that much more than what you thought. but that's like 1400 is my average. that's how much I think I would spend on. Amazon or Target you okay with. that no. yes what I mean I'm I'm okay with it. yeah I think I'm okay with 1400 a month. that's a lot I don't know what we would. need to spend that much on in an entire. month knick-knacks you don't really seem.

to speak up you really do not do you. like what is your care level on all this. stuff like this is objectively bad he. says he doesn't care and you just seem. so about it just so flat you give up do. you do you care sometimes I feel like. it's not a battle that I can win so I. feel like we've been through the same. conversations the whole time we've been. together and not a whole lot yeah.

I I don't know you're going to stay with. someone you had a kid with someone who. won't. change I love him but he won't change. are you guys going to make it I think. we'll make it why do you think that. you're the bad one it's not like you. have to you're not the one dealing with. the pain and hurt of this I mean I am. how you're the one doing the actions oh. come on then why aren't you changing you. literally told me you don't care what. the [ __ ] are you talking about. internally I just like to spend money I.

no [ __ ] but you're not changing so what. are you telling me that it hurts. internally if you literally told me you. don't care I think the debt stresses me. out but I just push it off and spend. more money like spending money turn even. more and more stressful forever I know. and I'm trying to get through that and I. haven't found this trying resources yeah. uh being budgeting what do you mean. resources what are you talking about. okay fine fine resource simpler budget.

you guys create account together or. create two separate accounts whatever. you want to do we pay for the premium. version they get a multi-week trial. there's your resource because it at. least tells you exactly what you spend. on every category so we're not playing. prices right you're guessing okay you. don't have to do that anymore because. you won't actually know what you're. spending on each and every category you. set your own limits and it's. automatically connected to your accounts. and you see what your income is okay so. simpler budget you guys get that there's. a resource but you could have been doing. that more manually or something you. could if you really care you tried but.

you told me you don't care though if you. don't care there is no trying but I did. I tried very hard I went on Etsy I. bought a planner we went through it. together we set it up and then you know. I moved and it was hard to see you know. what was she spending money on and then. me telling her oh I I bought some more. dumb I think that's the problem is we. want to look into it and then we try and. make a plan and then something happens. where maybe we don't see each other for. a while we're not able to actually stick.

to that and actually sit down and have. the time to talk about it so it just. kind of goes out into the. wind all. right no more Etsy bull here's the. simpler budget Founders Edition this is. for anyone that signs up for the annual. version gets this signed and sent to. them but you guys get it for free before. you guys come back on the financial. audit Channel I need you a journal at. least weekly okay at least weekly and. I'm going to read that when you guys. come back on on the followup channel so. don't it up okay she'll ride in.

it miscellaneous bull the final category. we're going to do this is things like uh. uh like getting a video game or just you. know whatever it is this is. miscellaneous extra [ __ ] that does. not actually matter in life. whatsoever my guess is. 3600 I put 2,000 in scratch down oh what. are you guys doing. how do you possibly even think that how.

is it even like how is that even. considered remotely okay guys it's not. it's not okay then why don't we do. anything cuz we don't talk about it. because I don't like talking about it. why don't you like talking about it. because because he's the problem I'm the. problem she has no problem with not. spending and I can't seem to stop then. what the can I. do tools no maybe throw something out. yes you again you guys go through all. the classes you get the budget app sure.

there's tools but it is still your work. that you put into it in the. end I feel like he just he needs. something to change to make a difference. and I don't know what that is but I feel. like anytime we talk about it he feels. like he's personally attacked and so. then I feel like I hurt his. feelings and it's not a super great. conversation you think she hurts your. feelings no she doesn't hurt my feelings. she just thinks she hurts my feeling so. why do you care before we just jump into.

these documents just in general why do. you care about your own self pleasure. than your wife than your child why do. you think that dig down deep why do you. think that my mom was the same way and. you saw the that comes from that and. you're not willing to change I saw. things that struggled from my childhood. foreclosure notices uh struggle to pay. for college you know which is bad. finances in general stress stress stress. stress that's why I became interested in. personal finances and I did better you. saw the bad parts and you decided to.

repeat that how does that make sense. you're able to fully acknowledge us it's. not like some internalized trauma like. someone who got abused is now abusive or. anything it's like you are recognizing. this you know this so why the continue. the thing that you know is bad from your. childhood I just I don't know I just. like to spend money on random things uh. I just buy that I think is shiny um okay. okay so $9,000 comes in how much did you. guys spend last month. probably.

8,900 okay so Less close to 10 okay. 10,500 oh we spending $1,500 more than. we bring in on a monthly basis how are. we ever going to get out of debt you. said debt is keeping you up so you just. ignore it but it's getting worse by. $1,500 on a monthly basis what the [ __ ]. are you talking about yeah again that. it's you putting your own self. Joy over your wife over your daughter. she doesn't tell me no very often that's. other problem I feel like if we had an.

actual conversation maybe broke it down. and I explained to her reasons I needed. something. or needed is a very strong word uh. wanted something then maybe she would. understand. more okay where do you guys think you. are in the world of personal finances. I'm going to go 3 two 1 go on go I want. you both at the exact same time to give. me what you think your household. Financial score is 0 to 10 0 being the. worst 10 being the best three two one.

two three okay why do you think you're. almost like why do you think you're to. three and not like. really this is a lot of paper this is a. a more paperwork than I've seen in a. long time borderline fat stack week and. we haven't done one of those in a while. you think you're three I know there's. but you're the saver you're the the one. that is apparently good we could both be. the Spenders so at least there's only. one spender in our relationship but. yeah it's definitely pretty bad and we.

need to figure it out to get out of the. hole all right if you guys want your. Hammer Financial score Link in the. description below or just go to Caleb. hammer.com you can also go to Caleb. hammer.com if you want to come into our. studio in Austin Texas meet everyone. here have a good time and I'll give you. a good Financial beating and get you. connected with resources and all that. good stuff all right Amazon Chase Card. okay we talked about the deliveries and. [ __ ] and it was an insane number. that was was actually even higher than. you thought if I'm not mistaken okay so.

Amazon Chase with this oh my this is. crazy. $1,835 194 that balance Al loading. insane hav I had a balance like that on. a credit card in forever with a $385. minimum to payment that's doesn't even. matter listen guys the balance didn't. even change no the balance literally. went down by a dollar cuz you spent $231. who spent the. $231 probably me I'm not on that account.

so it wasn't are you kidding me so you. say you're the one that you care about. that you care about that you're okay. with an a nearly $112,000 loan well this. is prettying exciting for the world of. financial audit something big Mar nearly. 60,000 of you have downloaded my. budgeting app simpler budget in just a. few weeks of its launch and let me tell. you we've heard amazing feedback people. are enjoying the automatic account. connections people are enjoying the.

community chat people are enjoying. building their budgets sticking to it. and actually changing their lives. finally for the first time yeah so. download the simpler budget app today. join the 60,000 people who are literally. changing their lives for the first time. literally this gives you control of your. financial future once and for all so. download simpler budget today and. remember anyone who signs up for the. annual version of the app at a massive. discount you also get shipped this.

simpler budget notebook which will be. personally signed by me so check it out. download simpler budget today high. interest credit card debt that is acre. $239 38 in interest on a monthly basis. $28 fees why why late. fee do you even know that no I don't. have access to that account cuz I'm not. on it you don't have access you're not. allowed to look you don't know the login. no it's U just under why doesn't she. have access she's never asked for.

it I have the app on my phone she has to. ask for it so you guys don't sit down no. we don't because you're afraid of the. confrontation you're afraid of him. getting his feelings hurt you're afraid. of getting your feelings hurt all that. whatever I mean yeah I'm just afraid of. starting an argument and getting mad but. aren't you just like building it up and. it's this going to be a nuclear. explosion one point did you just can't. what did you think the Bal that this was. uh this is one that we have talked about. recently and I knew it was high but I. didn't know what it was and I didn't. know that there was a late charge that.

got added in there too why aren't you. managing pay on time if you're the one. that's dealing with this I missed the. payment date no [ __ ] I'm asking why. because it fell on at weekend and I. wasn't paying attention why is it not on. autopay you make money uh auto pay. scares me why because I had auto pay on. everything a long time ago and I didn't. have any money in my account and it. charged me a fee and but you're getting. fees regardless yeah I know um a lot of.

times I'll call them and let them know. that it was just an accident and they'll. reimburse it but a lot of times yeah. there it is late fee Amazon Amazon. Amazon Amazon 23.49% interest rate so. what the [ __ ] are we doing on here uh we. bought a lot of furniture for our house. yes we bought some of the furniture for. our house and I you agree yes uh for the. house we did have to have to because we. didn't have any furniture we had to. furnish the house enough to live in and.

it was a little expensive so I know. there's quite a bit on there from just. when we bought our house pull up your. Amazon account let me see let me have a. little little thing I know we haven't. bought anything super. recently do you want to see the orders. or the Chase account all right let me. see pull it. up I'm starting screen recording we will. black out anything that's private.

okay what something something for shoes. a water bottle cuz you probably didn't. have any water bottles bladder cleaning. kit it's a hydration cleaning kit. hydration pack it's for a ruck sack it's. for my Ruck like a backpack oh okay to. go walking with ring solar panel yeah. our outs outdoor security camera kept. dying and with me hardwire it you I. can't hardwire where it's at because.

there's no close enough light switches. yeah things for the kids things for the. kids get that I get that but we got a. lot of things all at once for the kid. it's not like I mean maybe one at a time. I know recently we did spend around. station $1200 and by the way I'm not. seeing this furniture that you guys are. talking about I'm seeing pens and. whiteboards and calendars and paper Fel. screen protector for the. iPad an outdoor table. expensive.

printer oh Logitech MX KS combo. performance wireless keyboard come on. dude so there's a big desk L-shaped desk. so that was that's the furniture that. you wanted was an L-shaped desk no that. was from what are you talking about that. was a triple monitor mount yes come on. that was an office setup that got large. monitors three large. monitors it's a three large monitor. stand I bought two monitors yeah but. they're 32 monitors yes those are big.

monitors it is a setup for my home. office uh Tessa was being La home office. buddy you work you you're at home 4 days. you're being lazy yeah I was sick she. was sick and she called me kind of. hysterical because my daughter was also. sick and call your wife hysterical she. called me hysterical you called him. hysterical upset she was not happy oh. she was hysterical you're saying yes she. was hysterical uh she was saying that I. need to have Cal office setup um because.

she needs help with our daughter because. she's sick and she just my daughter and. I both had the flu and I was not doing. well it was really really hard to keep. up with my daughter and we were both. home you called lazy for having the. flu I didn't call her lazy for having. the flu I just I also had the flu at the. same time and was at work I just didn't. tell her shouldn't have been if you. around other people oh okay I work in my. office why the at what what is this at.

home in the trailer No so at our house. you're there for days so she wanted me. to come home that day but I couldn't. come home cuz I have work to do and I. work in an office okay so she wanted me. to have a home office set up so that I. could come home and help out if I was. able to and now that I have the home. office set up I you had to invest. thousands and thousands into it when. you're in like horrible debt Beyond. horrible debt mean the debt we're.

talking about it's almost. $400,000 yeah lots of kids stuff the. sculpture stuff and another monitor. standing uh what is this a receipt. printer and hey yeah baby monitoring and. a heater oh we're just buying so many. things garage door openers performance. energy drinks weird pajama pants those. were for Christmas yeah those were for. Christmas it was for family pictures we. all got matching pajamas this is just. insane ridiculous spending guys and the.

card is at. $122,000. yeah that stresses me out I don't. know my view on credit cards is you use. them and then you pay them off the next. month so that sounds like a reasonable. view how can you actually stick. here well we remove the credit you seem. so passive we removed the credit card. from Amazon so now we're not using that. credit card anymore at all Amazon. whether it gets the 5% bud I don't know. all I know is I saw Amazon purchases and.

I see four on this card and a late fee. so literally your change was like right. before you came on the show which I. don't count for. anything it's like that that's nothing. you know you're coming on the show so. you do something to look better come. on the interest in fees charged in this. year loan's already insane already. insane I'm just taking your energy and. just looking at you and I can't tell if. either you're passive in life. or if you don't care or if you've just.

given up which one is it I kind of feel. like I've given up a little bit cuz I. don't I don't know what to do your wife. has given up and you're just okay with. this and you're okay with just popping. the Zin and blasting through Amazon and. order that you don't have on a credit. card that is at you know. $112,000 you're okay with this your wife. is saying she no longer care or that. she's given up and it's because of you. and you just do nothing and earlier you.

said you do not care yeah unfortunately. I feel like that's the way things are. going what are you going to do what are. you going to do I have no idea just kind. of. struggling what have you. done I don't know not a whole lot I feel. like we're just constantly in this hole. of trying to get out and then what have. you pred these last 6 months try to talk.

more about things and try and look into. the future rather than just right now. and what's happened when you try I get. emotional uh-huh I don't. really see a way out at this point. so. mhm I don't know and you don't give a I. do give a you said you didn't. earlier I do give a [ __ ] she doesn't. know what she's doing she's is lost in. this man because she can't do anything.

about you because you don't care you. don't care to. change that is true and she's giving up. how long until she gives up on you in. the. marriage I don't know I'm hoping that. doesn't happen that doesn't get us. anywhere I know that doesn't get us. anywhere be honest with me have you. thought about just calling a quits no. really I respect that that's.

love I also couldn't make it on my own. either cuz I don't make enough to. support me and my daughter but that. shouldn't be what's keeping you there if. it is it's not but even if that was an. option I don't have a way to support. myself I don't make enough by. myself. but something tells me the fact that you. immediately said that second answer that. it's a bit more real than you want to. admit even to yourself cuz why would.

that come so. quickly I don't know I've always known. that I I don't make enough and I don't. have an education to go do anything. better I don't. know look at this man I know you don't. give this is why we don't have our. budget conversations no this is why you. need to have your budget conversations. don't like to see her upset that doesn't. matter you make her upset with what.

you're doing you're blaming her for. being upset for why you're not willing. to have any conversations when you're. the one that have gotten you guys in the. position where you need to have the. budget conversations what the [ __ ] are. you talking about how do you not see how. ridiculous this is get your wife aing. [Music]. tissue yeah I don't at this point I. don't know what the [ __ ] to do. anymore talk you're not willing.

to bare minimum. effort yeah she's right she is but. you've done. nothing I feel like a lot of times he's. an emotional spender and if he's upset. he'll just try and go buy something to. give himself that fix but then he's just. digging the hole even deeper by doing. that and I don't know how to change that. I've tried to talk to him about it and. then you're not willing to.

discuss yeah I hide a hide it a. lot most of the credit cards are just in. his name so I don't know really about. them and so I don't ask cuz I simply. just don't know you didn't know about. the Ley what do you know about them what. do you know about them there's a lot on. them um even know how. many uh there's probably five or so. maybe that have a decent balance other. than that I don't you know this is like.

living a second life yes financially. yeah this is likeing financially. cheating in a way yeah essentially yeah. and she just tries to talk about it and. you just leave yeah I shut it down. quickly here's the truth running a. business is sometimes pure chaos show. guests cancell days before their audit. constant call calls and messages across. multiple projects and the list goes on.

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shipstation.com calber click the link in. the description below to sign up with a. free trial that is shipstation.com calb. thanks again to shipstation for. sponsoring today's episode let's get. back into it you will not make it if. that's how you continue you guys have. known each other for a long time you met. each other when you were both younger. like you have a history you have a kid. now mhm that bond is keeping you guys to. together through this and helping but. how long can she be pushed how long can.

she feel completely destroyed and broken. down and unable to talk and communicate. with her significant other how long can. she feel that way how long can she feel. completely given up before either she's. just a silent corpse existing in the. house or until she decides to leave the. house I don't want either of those. things I really don't. we we've got to figure this.

out I don't want things to always be. this way I want to get better and see. the light at the end of tunnel and I. know you want to but you can't do that. alone no that's not on you to. start to start does he hide things from. you I mean just finances just finances. that you know. of.

yeah I mean I don't I don't think there. would be anything else to hide we talk. about everything else it's just the. finances that are a hard conversation. for us what does she know about the. truck situation and what you did with. that what does she know she thinks the. truck's paid. off it's not paid. off and I'm missed a payment. have a. break yes absolutely I'm take take your.

[Music]. time why would you even tell her that H. why would you even tell her it's paid. off because that was our original goal. yeah that's a goal why would you lie so. we took out a personal loan to pay off a. credit card and her card and originally. we were going to pay pay a portion of. the Amazon card and the truck and I.

didn't pay the truck and I saved some of. that extra. money as. cash wasn't the truck supposed to be. paid off a while ago. mhm I've just been making the payments. what do you still owe in the truck $700. this should have been paid off like a. year ago yeah a year.

ago. why weren't you close to paint it off. also no it's $1,700 that you still owe. 1,700 yeah you just tried to lie. again I forgot a number no no buddy I. think you lie to try to get out of push. backer to make her just to. F.

me what is what's going through your. head right now I feel so bad for you I'm. so. sorry I'm just really hurt. yeah oh just feel like I have no idea. what's going on. anymore. mhm I am so sorry. you do not deserve this and I don't even. know what the to say to you I really.

don't I know you're the one that's. watched the show for a long time right. yes but I don't even know what to say to. you I mean I want to like give her like. the biggest hug in the world you I feel. so bad for her and you just and you just. immediately lied again when you said how. much was left to try to get your ass out. of a situation that you she thought it. was supposed to be paid off a year ago. she just said mhm what the [ __ ] is wrong. with.

you okay walk me through this situation. what happened how did I how'd you get. here I just we were so far ahead in. payments that I didn't owe anything for. a while and it said I had no minimum. payment so I just didn't pay for it for. a couple months and that money I took I. used for our trip when we went to. Cabo you guys put to. C. [ __ ] and so when the payment finally. came that I wasn't caught up I had to.

make the minimum monthly. again and I made it and then I forgot. about it and then I had to pay two. payments I still don't see how we were. so close to paying it off and. then you owe more than what I thought we. did when we were just a few months away. from paying it. off I think that because missed the. payment it added money to. it that doesn't make any.

sense and I didn't pay on it for three. months because there was no minimum. monthly which charges interest but why. would you not just pay it so that you. can pay it off because I wanted money to. spend while we were in. Cabo that's when you save money you. don't just I did save money by not. spending it on the. truck that doesn't make any sense. then.

we we knew about Cabo for a long time we. could have saved money for that but we. didn't save any money I saved money for. it the only reason we had any money to. spend while we were there was because of. me. you you make trips and you plan them. them so that you have the money when you. need. it we knew about that for over a year.

yes we could have done things to put. away money before but we didn't and we. didn't talk about it you didn't save any. money so I used that opportunity to save. money to spend money in. Cabo and my truck payment I didn't have. to pay for 3 four months so it was fine. in my head it was fine but if you would. have just paid it off then the money. that you would have been putting towards. your truck would have been that extra. spending money yeah but the truck didn't.

need to be paid off right then needed. spending money for. Cabo but she thought you paid off the. truck you agreed to pay off the. truck yes how the can you possibly have. that opinion then how is that opinion. even possible to. have I don't know I mean you went. against what you both agreed on and. you're saying it's okay cuz it's your. money.

are you. okay not really now. yeah what's going through your head. right. now I just every time we talk about this. I feel like it gets worse and worse mhm. and there's just always something else. waiting. is there anything else. man is there anything else that I don't.

know that she doesn't know forget about. huh the MX credit card is. higher how much higher. $249 how you feel like. [Music]. this I don't know what to. do I. don't I I hate saying I'm not the. problem. you're not the problem you're not the. problem I don't know what to do to.

change you can't conversations to have. to make things different you can't it's. kind. of it's in in in a way less the. addiction side but still the behavior of. an addict the dude's not going to change. unless he. changes and if he doesn't you're. essentially just allowing yourself to. stay with an alcoholic for. forever and I don't that's so hard to.

say for someone that just had a kid it. is so hard to say for someone that loves. the person in front of them but oh my. [ __ ] what is going through your head. right now I you up listen to your. language you don't give a [ __ ] and. you're not going to. change you're do you think he's going to. change down in your heart do you I know. you hope do you think I think he can you. think he can but you've been with him. this entire time so answer the question.

do you think he's going to. change. no that's [ __ ] real man. yeah yeah my own wife doesn't have faith. in. me just smiling and laughing I'm trying. to get through the. pain why would she have faith in you I.

don't know at this point giv me a whole. off a whole lot to go off. of oh my. [Music]. gosh I feel so bad for you. I want everything in my heart right now. is I want to fix this for you you have.

no. idea I feel so bad for you um and man I. would do like anything right now to fix. this for. you but there's nothing I can do I mean. it's it's all on it's all on him you're. right it's not a situation where you can. leave you're not in a position to you're. trapped you're trapped and you've given. up as.

well trapped and you've given up as well. obviously I'm going to sit you guys down. with a. therapist three sessions for free with. sandmine or I'm lucky that I'm able to. gift that because of them because oh my. [ __ ] there's ever been anyone that needs. therapy you might need your own. therapy I've been in counseling lately. why mostly just work stress but just.

kind of everything is it work stress it. really is. okay. okay Mattress. Firm that one's in my name um that was. whenever we bought our mattress. and the adjustable B so some of it is. you I mean that one we did need a bed so. we bought a bed need a $5. 5,228 bed I might have been talked into.

that one I have a really nice mattress. and it's not that much what the it's the. best mattress in the world yeah we get. that when we can afford it we could have. just gone with the. mattress but I was talked into. everything the adjustable base which was. not necessary so that was probably. $2,000 how you is it every night when. you're home you use it four days a week. I do not four days a month I don't use. it if it's just me then why is the.

remote on the bed when I come home every. time um I used that the other night and. I wouldn't go to sleep I tried to sit it. up but it didn't help. anything. um. yeah it expires in a year and a. half okay with how many months is left. in order to get it we got +.

five one okay so we got 18 months to pay. this off you have. 5,228 34 divided by 18 you guys need to. make payments of 290 minimum the payment. is 183 you need to make payments of 290. 29 291 2 that's weird cuz you're not. doing that no whenever we had set up the. payments they said there was a certain. period of time that we could have it. paid off um and it wasn't going to. charge any interest yeah 927 2026 I mean.

I might be off by a month which moves. the number down to the 262 you paid yes. cuz I figured it out and I knew I was. paying more than say 262 okay cuz I knew. I was making more than the minimum. because I was trying to get it paid off. before it started charging interest what. does tonight look like when we leave. here a long conversation back home. probably some more tears are you. actually going to have a conversation. I'm going to try yeah what does your. attempt look like not yelling do you.

yell occasionally he gets. heated what do you yell about this is. all you I know so what do you yell that. I don't want to talk about. it is that what he yells pretty much. um it's about normally how it goes.

yeah I mean it's already charged almost. $1,000 in deferred interest so don't pay. this off by that and like $3,000 of. interest is going to hit not. more okay cuz it's charging at 35% 35%. Wow's High okay Academy. H what is this uh that is my card I uh.

went to Academy with a friend of mine. and they had some jackets on clearance. during when it was cold you could have. just bought them rather than put credit. card what do you think's happened. here do you have any insight into this. card no I didn't know about it till I. mean I knew the card was there but. normally there's not a balance on it so. tell her what happened I hit a late fee. cuz I forgot I used the.

card maybe you shouldn't use the cards. and then there's not a. leafy if you would have just bought it. outright with a debit card you wouldn't. have had to worry about. that there was no money in the debit. card then maybe you don't spend money. you don't have well it's really simple I. needed a jacket because you didn't have. any at home at home I couldn't leave. work to go get a jacket had a jacket. did you have a jacket not a not a work.

jacket. okay they were on. sale you have a late. figed for a jacket for a jacket two. jackets they're nice jackets why did you. need two they were on sale why do you. need. anymore I like jackets they're dress. jackets they look decent I have to dress.

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industry for a reason I bring the value. check it out Link in the description. below well of course interest is. charging we have a $37 minimum the. payment absolutely nothing's happening. here we're sitting at. $26.13 of which she thought was Zero you. went and bought a jacket. uh two.

jackets why did you get this. card um I've had that card for a while I. can't remember the original reason I got. the card you told Lindsay the producer. because you were bored and you wanted a. gold card that was the MX not the oh. that's the next card oh. my okay yeah this is 36% this card the. card we're just talking about the. academy 6 for f% you're just sitting. you're not even paying sitting not even.

paying well your wife is at home trying. to raise your kid and also. [Applause]. work Mar Express is this the one you. said it's higher yes so what is it now. uh 3,000 something it went up $2,000 yes. $2,000. I for. what yeah for what so I thought my RV.

rent was automatically paid and it was. not for rent on a credit card yeah so. the I was behind 3 months cuz I thought. it was an automatic withdrawal and it. wasn't you didn't know that I knew he. was paying for it on the credit card but. oh for like I asked if there's anything. else you're hiding you were behind 3. months you didn't even know. and so I had to pay for. it how did they let you get behind they.

didn't even know I talked to the park. manager she had no. idea genuine question for the. audience you have to remember these are. just real people from the audience just. like you can be if you apply but uh but. question with the U um feeling and. empathy and everything that is whatever. going through my head right now why do. you rescue somebody that. literally kind of can't be rescued and.

doesn't want to be rescued and you also. feel weird about scam because they have. a kid you can't tell them to leave the. guy and also it's weird to tell people. to leave someone and also how the do you. do it especially when they don't make. Mone what the do you. do I don't know what to do I don't want. you in this situation and I don't know. what to do I can get you guys out of Deb. that depends on him changing you agree. with me that you don't think he's going. to change uh uh what the do I do about. you cuz you're the one I want to save.

here how the you're the fan of the show. but she's the one I. like that's. usual I don't know I'm really hoping. this wakes him up. hope that's all I have at this point how. long have you been hoping a while. exactly yeah interest is a Cru 29 b. 14 got some pay overtime stuff.

$447 no well the minimum payment is. probably like 120 now do you want me to. check no it's probably 120 if. it's three times the balance I'm going. to assume Hulu Hulu. Hulu Hulu and Smith outdoor what is. Smith outdoor SM smm to to out smmt. outdoor. oh Summit outdoor I bought a cup that I.

saw on Instagram on a credit card on a. credit card you guys get along. normally oh there in finances yes but. how often is that versus. finances we get along just fine say most. of the time yeah okay how often is. finances how often is that I think we. have a good spout once a month about. finances probably yeah and it probably. needs to be more often why is it even a. spout though what defense do you have.

you don't have a defense I just attacked. like I'm not allowed to because you are. the. problem you legitimately are yeah I. don't think he likes addressing it he'd. rather just be hidden and he hopes that. it'll figure itself out on its own. somehow but that's not how it works you. dude you shouldn't have access to a. credit card you can't manage your credit. cards. you can't you can't manage having access. to credit again you can use just like.

everyone in the audience and on the show. you can use the Fizz card cuz it's a. debit card that builds credit if you. really care about that part if you want. fun but you can't do this I would just. close these. accounts you already have the house so. what credit are you shopping. for it's a lot of. paper HB card yeah. yeah never even heard of this yeah. apparently it's a new.

thing that was my doing as. well okay HB never thought I'd write. that down in the de column okay with a. new balance of eight. $483.40 it was $683 N5 of purchases. when he told me about that one I said. the only way that we're going to have. that and use that is if we're literally.

going buying groceries and then. immediately paying off and he said. that's what we would do and that has not. happened. obviously otherwise it'd be a zero. balance jeez dude just really don't get. it it's not even all HB there's there's. a. Windom like buying something in a hotel. lobby then what is Murdoch ranching home. for $61 that's not HB and she doesn't. even know this again she doesn't even. know this I'm looking at her reac she.

was there for the. Murdoch she was with me why would you. put it on the an HB card that was the. one I had in my. hand what the do that put another one in. your hand I did I don't carry my wallet. very often so I used my why cuz I my. phone does everything for me except for. using a card that makes more sense like. a debit card for you. all I'm saying is the amount of money. you just you guys just spend on bull by.

the way literally if you just [ __ ] if. you just if you were just putting that. in the the mumu app the like the. investing app that I use if it's. literally sitting there uninvested with. the sign up rewards when you put in like. $2,000 and all that stuff you get like a. literal like 16% return on your money. which is better than you even get on an. average stock market year so like this. is so stupid what you guys are doing. it's all going to interest instead it's. all going to interest instead and stupid. just. stupid I don't know what to doing I just. feel bad for you Apple card that one's.

mine this paid off normally uh normally. it is um last year most of the year it. did carry a balance um for plane tickets. is it carrying a balance now uh I think. there's like $200 on it right now but. why so it's not all him but I pay mine. off every month but you said there's a. balance on here there's a balance but. it's from the past month so not due yet. until the end of oh but you pay off. every month yes okay then that doesn't. have to go in the the column then when's.

the last time it wasn't paid off and. interest cruded uh probably about 6. months of last year we bought plane. tickets for when was the last one. though like how long has it been paid. off every month by um probably the past. five or six months okay then I won't. write the balance down I mean it's still. this is your card you're going out to. get all the time waterburger Starbucks. Starbucks and then there's some other. things in there is an urgent care and a. health thing but I mean going out to eat. and getting some star.

bees that's not very often I can say. that it's not very often it was three. times within the month you obviously we. don't have the full. package yet in terms. of what has been spent across the board. which just on one card you know just. thinking of priorities of. money let me see if that's confirmed. though yeah no interest good okay good. Verizon synchrony Verizon card. why uh I originally got the card because.

it gave you money off of your bill and I. was but now you're recruting interest I. was paying there purchases on a Verizon. C the why are new phones you just got. new that doesn't make sense you didn't. get a $245 phone did you no what are you. talking. about cuzz that was how many purchased. that's the that's the monthly bill oh oh. put you're acre interest you're not. saving any money with. $26.96 of Interest what money are you.

saving with the $41 minimum monthly. payment hm yeah that's great just this. alone without putting any more purchases. on which is by the way impossible. because you put your minimum payments on. this how long does it take to just pay. off this. 1,136 how long does this take to pay off. with just putting M monthly minimum yeah. without adding any higher balances which. are impossible 16 months how long do you. think I have no idea you'll be. 30 holy.

sh. wow just to pay off. 1,136 that's crazy what the [ __ ] are we. [Music]. doing. USAA is this his uh we're both on it. who's spending me of course.

$1,567 41 with a $47 minimum monthly. payment actually no spending was done on. this but interest is. acur how long does this take to pay off. guys just doing the minute of the. payment without purchases a long time. three years three years how long what do. you think probably six okay you'll be 40. oh my God that's ridiculous. yeah literally almost double your age. that you have well no that's not true.

not. quite but that's. crazy the Verizon one makes no sense. anyway I mean I know where you guys live. you have good team Mobile coverage I. would just do something like helium for. 15 bucks a month per line it's like I I. just don't understand what okay this I. don't why pay for the name brand when. you don't have to these days huge. interest rate on there oh my gosh okay. there's still a lot to go through what. is this what is this unsecured fix rate. loan is this a personal loan what am I.

looking at a personal. loan I see the original loan up but. what's the current. B when did you get this cuz the current. balance is basically the same what was. his personal Lo for $ 35,1. 1657 to pay off the MX debt. consolidation oh and how did that work. it didn't yeah exactly without changing. the behavior which you are incapable of. which he is incapable of of which you. have no hope of him even doing no you. have hope you just don't believe he will.

then obviously this does nothing cuz. then you just ow double the debt you. consolidate it then you build it all the. way back up and guess what we built it. all the way back up right so personal on. again $. 35,1. 1657 it's an insane balance basically. doubles where we are that we've talked. about already if not more 600 no that's. the interest. um what's the minimum to payment it's. like 700 and something 772 yeah. jeez that just eats a huge Chunk from.

your guys's actual take home pay that's. crazy that is crazy that was the Amazon. card in the AMX the Amazon card now is. at $122,000 and the MX is at three so we. just built them all the way back up what. you checking your phone is this not good. are we are you not learning anything the. minimum are we not learning okay. yeah I was wrong it was it's. 74469 mhm 81 months remaining on this.

yeah that's it that's a. while that's what a joke how does this. continue how does this actually continue. like your guys's marriage how does this. continue I don't. know what what is this it's 6% so it's a. little on the Lower Side still not good. though but it's. 400 your RV.

yeah stop sorry the RV yeah is this the. one you're behind. on wait so we have an RB and you have an. extra thing that you're renting no the. RV is what I live in what was this thing. you were behind on by 3 months you have. to pay the rent the rent on what the RV. park what a joke $. 44,7.

18863 minimum monthly payment these are. getting disgusting now $550 24 what the. are we doing guys what are we possibly. doing there's a lot of. bills lot of bills unnecessary bills I. guess on this what no I'm just like all. of that is just unnecessary there's very. 62 ,000. RV well we tried to buy a home in 2021.

and we kept getting out bid in the. market so you rent and save up and more. to make a more competitive offer also is. 2021 you guys would have an incredible. time buying now it's a buyer market so. we bought the RV because of my job so we. buy depreciating asset great. yep oh my Fu it really the minimum to. payment on this is $876,000. [Music]. 8763 $40,000.

25571 balance on aing Hyundai 2023. paliside. Palisade that's my. car we bought that when I was do you. really need this no why why do you have. this it's worth 188,000 and you owe. 40,000 on it it's worth 18,000 that's. sad not only sad but we're not getting. out of it there's no there's no. borrowing to get out of it then getting. a cheaper car also borrowing and paying.

it off that's the main reason I didn't. want to buy a brand new. car but didn't want to then why did you. I wanted to but it's not even your. driver no we. were we were what we were expecting and. I wanted her to have a new vehicle to be. safe oh it's a safety thing what do you. think 2022 was all of a sudden just a. wildly dangerous year of car well the. problem with the 2022 and the 2023 was.

they were the same price what about 2021. you think that was a wildly Dangerous. Time 2020 2019 2018 where was everyone. dying I don't remember that I don't know. I don't do was there a everyone was. dying in their hondai in 2019 2018 2023. was recommended as the safest vehicle. awesome where the other ones D. dramatically dangerous is that what. you're saying they're not atically. dangerous I just don't see why you I get. it but guess what you no longer have. money you don't have money look at you. guys look at you guys she's been in.

tears half the episode because of what. you're doing obviously this isn't. working I wanted her to have a new car I. know what you wanted and it's dumb as. Fu when she pushes back on things is she. ever able to win. no why are you still with him even. loving him why are you still with. him cuz how is this going to turn out in. the end sometimes you just have to.

[ __ ] cut off what you love. man why are you still with him cuz I see. our future together the future of him. dominating everything and you not having. a single say that's the Future No I'm. really hoping it's different hoping. you've hoped for a. decade I still have hope come out.

what's the interest rate on that I think. it's. 5.99 it's not the worst it's not the. greatest appreciate an asset uh 5.09 on. the Navy Federal what is Navy Federal. for oh oh this is the truck that she. thought was paid off yeah yeah. $1,721 46 with a Min minimum monthly. payment of$ 36568. okay. cool and it's actually worth like almost.

$110,000 so cool we're going to have a. car paid off pretty soon and we're going. to have some equi it's going to be paid. off in what like five six months all. right. cool because you can't tell the full. truth why don't you tell us what's. up I just love that. truck yeah why don't you tell us what's. up in here what's in the. statement I uh didn't make any payments.

to it I need to make more pay he's. passed due on the truck yeah how far. that's almost paid off just a month it's. almost paid off though and he's passed. due we have money in our account that we. can make those payments I don't know. why I don't know how you can't make the. payments or why you're not making the. payments I mean I caught. up now so you're okay with d cuz you're.

going to have to with the car that you. wanted her to get that you now have to. pay on and all this all this stuff. you're going to pay off this car pretty. soon if you actually make your payments. you're okay with just driving this into. the ground over the next 10 years. nothing else yeah that was the goal when. I bought the truck lies it also pulls my. camera. liesing lies. I have someone in my ear oh yeah iPad. that had a conversation with you when.

you weren't trying to just look good. because you're getting pushed back on I. know exactly what you want to do and. that is a fing lie I want to buy another. car yeah what do you want to buy a Tesla. okay and guess what you guys have. conversations she says no we can't. afford it and you don't give a you. always win because you just do. it he's going to go get a $45,000. not why he's just going to go do it and. there's nothing that can be done and is.

just and that's just in your life now. and there's nothing you can. do you're going to deal with that. forever for the next like six decades. you're just going to let that happen. you're just going to be okay with. it I don't know what else to do I don't. want to tell you to leave but.

what the guys what. [Music]. the mortgage okay what's the house worth. today pretty much the same as what we. bought it at. 265 yoow. $250,900 instead of. 6.625% interest rate that's what we're. just about what we're getting e property.

taxes. $2,185 61 Cent minimum to payment no. yeah that makes about sense with that. interest rate. okay. okay okay 1 2 3 4 5 6 7 8 9 10 11 12. deaths it's a lot well done and she has. to sit and think about this and she. wants to fix it and then you won't do. anything to do it because this is a. great healthy relationship what's up.

with this checking account which. checking account is it USAA Federal uh. USA classic checkings there's 941 in. there what's the I don't have the. numbers we blacked them out for privacy. it's either hers or mine I I mean I'm. seeing like Gap what yeah gas that's. going to be the one that your paycheck. goes into going and getting some. [ __ ] from the gas station Ro's. kitchen going in getting something from. the gas station going and getting. something from the gas station Putters. and gutters Apple Putters and gutters.

what the even is that going in and. getting some BS Putters and gutters what. is that it's a entertainment place. you're SP like $36 every second of your. life there going in oh well Target I. don't even know for 2014 who knows. waterburger Ranch and Home Netflix Apple. cash sent out 80 bucks uh minky cure and. smoke City. who smokes City me what are you getting. a vape why why why accumulate all this.

debt have her name on some of it get. lung cancer die and put leave her in the. baby with. it you're very good at being selfish in. this entire relationship good job Apple. Bill Amazon. Spotify patreon Texas Roadhouse I. guarantee you our YouTube membership has. a million times more content on a weekly. basis in that patreon by the way we've. looked we are for the most I guarantee. it Apple Amazon Amazon.

Apple enx Maps oh onx Maps what is that. it's a hunting app it's that I will say. was a complete accident so it's an. annual based payment yeah that you can. cancel that I canceled after it came out. I attempted to call and I forgot and. they said sorry well yeah because you. followed the contract and paid for it. why the [ __ ] they okay went in got some.

be what are you getting from the gas. stations all the time uh energy drinks. and snacks buy and buk you [ __ ] you. absolutely Starbucks okay so who's that. is that both of your spending or just. his spending uh that's both of ours what. are we doing that's so much money when. we're supposed to be paying off this. debt okay. 1,457 in this checking account what's up. with this account that's the one that my. paycheck goes into. and it's looks like money just sent back. and. forth yep just bills 2,62 into this what.

is this that is oh uh that's our joint. savings account that we used to pay the. mortgage out of so it's not savings no. we have another a checking account for. morgage separate account that we put. morgage we count that money for anything. cuz we know your mortgage is 2,185 on a. monthly basis okay what about this. savings. 2,300 that is our savings yeah started. at a th000 went up so you put a little. bit of money in there while we're paying. 35 36% interest on all the. [ __ ].

okay tmrs it's a retirement savings for. which one that's for. mine. 12,000. okay not bad what about you I have one. as well and it's at 55,000 not bad okay. at least we got that part of us going. guys at least we have that. part okay. okay. I.

I listen I'll give to you a course. career certification so we can hopefully. find you a situation to make more money. and then that gives you the freedom to. make a bigger life choice if you ever. want to not that I necessarily want you. guys to I'm just saying so whatever you. want we will gift it $9,000 is our. income okay let's start figuring out how. this budget looks like and I can give. you a debt payoff strategy potentially. or how long it takes to pay off but it. all depends on the actions you actually. put into it and right now I mean you. literally admitted at the beginning that.

you don't care. so minimum monthly debt payments is. $3,489 not including the mortgage. mortgage we have. 21856 what about utilities alog together. um they're probably about 300 to 320. we'll do 320 what about. internet uh 120 120 damn gas room from.

drive drive for. both um hers would be different mine so. I have a company truck that I'm allowed. to take home on weekends MH but during. the weekday if I come home I have to. take my personal yeah so how much gas on. a monthly basis I haven't driven my. truck except today in the last month and. a half okay so no nothing for this okay. what about you um on a monthly basis you. fill up three four times it's like once. a week week once a week how much a week. like 40 okay 160 bucks yeah car.

insurances oh 372 for both I think I can. check 370 is yeah we'll do 372 phone. bill uh. 265 got to do. the okay but that's when it's paid off. uh food baby's not on the anymore right. yes the baby is still baby's on the ti. yeah when do they get off when they want. yeah but when do they get off usually. we're it really depends it's different.

for everyone the baby is 16 months when. do you think it'll be off probably 18 to. 20. months so she likes her night time. snacks for. now for now we we can do the food budget. for 600 it'll go up when you have to. start buying for her she eats lots of. food she eats that aren't boobies yes so. she only has yes so she eats food during. the day so I've never had one I don't. know and nighttime snack is the only.

time she. gets okay okay don't give him any he. doesn't deserve it no boob for. him okay well she's is getting like. snacks and stuff throughout the a little. okay 600 you do going to do 750 should. be good for you guys TP fun with the kid. with what you guys need it's going to be. a little bit more going to call it 300. total we got the diapers we got all that. good stuff it's everything you need to. survive 300 bucks Medical Healthcare. anything on a monthly basis no not. really no get closer to the mic guys no.

MM no not that I can think of you have. pets dog have a dog age Health uh he's. in good health he's four okay get pet. insurance I'm going to call it 40 bucks. a month no way you guys could afford a. big thing if it happened how much for. pet food on a monthly. basis maybe. $40 anything else that needs to be in. your budget that I've not put in your. budget. uh daycare oh how much a month 200 800.

oh8 week yeah sorry it's 800 a month. everything in my head is weekly you guys. have room this is your choice this is. literally your choice to be in this debt. you need $686. 656 on a monthly basis to survive that. means for your normal month that means. for your normal month you have. 1,13. $344 we'll just call it a th000 for some. wiggle room $1,000 left.

okay now with your higher balance on. that one thing but also. minusing the mortgage you guys have. $144,600 12. years. wow 12 years not including the home not.

including the home no yeah so here's the. thing we either have to put in some. overtime if that's an option to pick up. even more and more and more do you turn. overtime down. no we need to start looking at. increasing your income you have a good. job you're sticking with it and you're. trying to make as much as possible when. you to start finding another job for you. or looking for way to move up internally. which sounds hard so maybe moving to a. different uh place but um we need to up. your income situation if you're able to.

up this by 1 15 bucks or a uh 500 an. extra $500 on a monthly basis like what. was it hundred $177,000 a bad debt. something like. that I mean that moves us down pretty. substantially doesn't cut us in half but. it's pretty substantial it's pretty. close actually it's like 2/3 the. time this is brutal when something's. looking over like well over a decade. when you make good money bankruptcy.

sometimes yeah can be consider. considered an option it's stressful it's. expensive but this is a brutal situation. you guys can probably pay it down in. eight years if you bring in an extra. $500 a month it's difficult we're going. to get a second set of eyes on this with. how brutal this is again the three. therapy sessions Tak advantage of that. but also I'm going to sit you guys down. with uh uh Reed he's who we work with. him for uh our accounting stuff but he's. also a CPA and a big Finance nerd let's.

see him and get him a second opinion. we'll pay for that session for you guys. thank you and maybe maybe there's. another way out of this that's not. bankruptcy or a thousand billion jillion. years but this is just brutal that's not. honestly what I'm focusing on here I'm. focusing on the relationship and the. relationship is a joke and I don't know. how you guys are going to survive. together I'm sure you guys are both. lovely people outside of the financial. situation but finances which is one of. the leading causes for divorce in this. country I don't know how you guys are. going to make it you have the baby right. now holding it together a bit more I. don't know what you guys are going to do. a few years from. now good luck and I just feel bad for.

you I really do spending in a budget you. ever spent zero out of 10 debt I mean. this is horrendous look how long it. takes to pay off it's going to be a one. out of 10 though it's as low as you can. get without having anything in. collections or IRS debt emergency fund. there is a little bit there I mean I'd. have a one month emergency fund or. whatever it takes to cover your highest. deductible saved up and the rest starts. going to the debt I'll give it a two out. of 10 retirement yeah okay what did you. say yours was. 55 you're 28.

yeah if we're looking to onetime salary. by the time we are 30 you're probably. close to a six or a seven I'll give you. a s out of 10 okay oh and then you what. remind me your retirement again I think. it was like 12,000 with where you are 26. trying to get to you're probably about a. 7 out of 10 as well so 7 out of 10 okay. real estate not much of an equity. position so it's not the best position. but it's okay at a five out of 10 you'll.

get there with time obviously the. retirement and real estate is what is. going to lift you guys up and make you. look better than you really. are it's going to be a hammer Financial. score today as you said a three out of. 10 and it's because of those elements. guys join us in the post show we usually. find out even more interesting. information that I don't know but the. producers know everything about them so. we talk about it there so join us th. thousand of hours of extra content in. our Hammer Elite version it's literally. the best membership on the entire. platform we've proved it with the source.

that we are on so in terms of value. driven make sure to join that and. download the simpler budget app check. out annual if you want that sign. notebook the founders Edition we'll send. it to you see you guys in the post show. what are you going to spend on this. stupid fishing trip I don't know my. Grandpa wants to go it I know I'm the. problem you've known you're the problem. the she's not like screaming at you and. Bering you I don't you're the one that. screams he raises his voice it don't. take much to make her cry I think.

there's definitely a lot of. conversations that we need to get into. to watch the financial audit post show. click the join button below.