Financial Audit's Most Toxic Couple

no why are you giving him an allowance. what what is this relationship he is a. child and does not know how to control. himself from your paycheck yes do you. lied to her always I have to dig and dig. for information we are immaturely trying. to avoid the conversation I just do not. want to give the nagging I just didn't. want to hear. it was going in and getting drinks and. snacks from the gas. station so you didn't even know I'm I'm. bringing new information to the table. right now to you probably yeah all of. our education is Bund together for 15%.

off with a 30-day money back guarantee. go to Caleb hammer.com bundle or click. the link in the description or pin. comment below hi I am Katie I'm 22 years. old hi I'm Kyle and I'm 22 years old and. we live in Big Spring Texas and this is. financial. audit thanks for coming over to Austin. guys you know it's kind of crazy for the. audience that they don't know this. because we literally just started. recording these people have been in. front of me for only a few minutes they. were chatting with the producers for a. while but only in front of me for a few. minutes and you guys are already. bickering like.

Teenage Twins or something like I don't. know what's H okay but thanks for coming. over I'll be honest that made me a. little just like all right what is this. about to be what did I just walk into. but let's start with you Katie what do. you do for a living I work as a. uh forgotten yeah no ma I just I say ma. but nobody really knows what Ma. marketing assistant tell okay for a uh. financial planner wonderful how much you.

make uh I yeah 13 an hour I only work 3. hours I guess man day that Big Spring. wages couldn't find a job for 13 in. Austin I'm sure you could just no one. will take it how many hours every few. days you son uh three hours every other. day so Monday Wednesday Friday it's a. it's it's like an internship I'm Mak so. much more left that yeah I am in college. you're try too okay yeah well what do. you what's your college situation uh I'm.

at a. um Community College what are you doing. there how long have you been there uh I. started I skipped a semester because I. had my son right out of high school and. then I've been there since then oh. you're both both you a little naughty. naughty a. little through you yes well done uh age. of the kid three three we only have one. kid right now well I'm pregnant now d.

ju 4th yeah July 4th yeah like just like. like newly pregnant must very newly. pregnant could not I would not be able. to tell no I think the three-year-old. was a little whoopsie definitely whoops. is the zeroy old a. whoopsie no very intentional but you're. still in school don't have a career. figured out you guys have that up to. your eyeballs why is now the best time. to bring in uh we wanted to keep and his. sibling.

kind of close in age my son's name yeah. we'll believe it it's I know I just. Megan okay getting his brain start. saying our son or Bubba or Bubba yeah. you guys are from the little nowhere. aren't you okay that makes sense Bubba. yeah they always use it something I. didn't think was used since the 80s but. sure cool and what do you do for a. living uh I'm a filtech technician I. work on yeah you are in those Lo rigs. huh no I work on dozers um excavators.

man lift sigil lift stuff like that okay. and what do you make uh 35 an hour oo. there we go now we're talking some money. I was wondering how this house was. sustaining itself how many hours a week. you. working 70 to 75 yeah this is a West. Texas. man you had it written all over you I. could tell you're calling your kid. Bubba I get it how much hits your. account on a monthly basis would you. say let's say about 40 500 every two.

weeks so about n Grand wo yeah yeah okay. yeah yeah 42 and remind me well my um. workday app says I've brought home about. 101,000 so far this year delicious n um. yes. Ned yeah that should be Ned yeah yeah. okay and you so I'm sorry if I uh didn't. hear what are you studying in Community. College uh accounting business okay what. are you you going to do uh I'm probably.

going to keep yeah I don't think I'm. going to go and do all the how are the. opportunities out. there a lot of oil fill companies lot of. accounting I really don't feel I'll give. you an accounting uh certification. course careers as well to boost your. resume when you're uh so go through that. as well yeah love course careers they're. great um yeah hopefully that'll get you. just in that job when you're ready and. then this internship I'm assuming is. helping as well so 1 bucks an hour only.

what was it 6 hours a week uh no nine. nine hours a week about. yeah extra 4 68 so 400 bucks a month. extra probably yeah get to your account. okay I mean that's fine anything helps. why are we in debt guys what what is. going on here because all of a sudden. you know I feel like we've just had like. a positive thing so far I was like oh. dude's killing it uh she's about to. graduate we're about to be making we're. about to be a money house old in our.

early 20s yeah we can take care of these. kids we can set them up for a great. future but obviously knowing what I know. that and you're I mean you're on the. show so yeah I mean why why are we in a. position when you should be from the. outside in an incredible position well I. guess I like to spend money I trucks. four wheelers I look for boats jet skis. anything something new constantly. begging to be spending money we were. doing good on the what about setting.

your kids up for Success you're trying. to have another kid and you might have. another kid after that like what do we. no College fun nothing I want. to why are you more important than the. child and. toys oh yeah and I hate Toys I think. toys are a scam but yet we're filled to. the brim with them yes really like what. yes uh he's really into Hot Wheels okay. Len I have heartburn medication and. caffeine that's how I make it through. this okay so we're going generic.

Walgreens version already open who the. is slamming these down these were just. purchased I wonder if I'm being drugged. right now guys if this episode ends. freaky and naked it's not my fault he's. the same way what when you're oh when I. get drunk yeah when he gets drunk he. just you end up naked yes starts getting. hot. bad we've got picture proof I don't e no. well why are we even talking about this. he takes pictures so.

toys toys are more important than our. future are we saying the entire blame is. on you is that what you're saying no I. mean she has issues with um what is it. Sheen and. Amazon I mean it's not just me okay. where's our conversations around any of. this cuz you seem to know what she spent. on you seem to know what he spent on. what's our conversations around money. what's our conversation about where our. bills are going mostly a dead end. conversation.

I complain about his con I want to buy a. new house I want to buy new house yes. what are we doing do you have a house. right now do you own a house I bought a. house at 19 wonderful good job do we. need a house when we have stacked up. credit cards and horrenda car loans I. don't think so I guess not I mean well. why do you think you need a new house. right now no you don't dude people raise. families of 10 in like a two-bedroom. apartment for most of human.

history what what do you have right now. we have a three bedroom two. baths sare footage uh 1500 1556 it's. like the most basic ass American. Suburban House you're fine what the you. need you don't need anything unless. you're about to just start spawning like. a thousand oh no no no I'm done after. this yeah only two we wanted a four. bedroom two bath house so again how does. the conversation go then we usually end.

up talking about finances well I need to. cut this out she needs to cut this out. and we never do there's no. accountability I guess is the right word. yeah I mean honestly that's the. conversation happens and then we never. do a followup if you know what I. mean I'm just I'm so I'm curious. throughout this then I mean again you. guys are acknowledging things and this. is kind of what happens when someone.

comes on and they acknowledge their debt. acknowledge where things are what have. you tried to do to work on this where. have we been there was two weeks where. he did start to try to cut out. his um uh gas station gas station foods. and drink gas station Foods yes I'm on. the road a lot anywhere between 3 to 400. miles a day cool pack a sandwich you. [ __ ] I was making. them so this was already a thing this. was already a thing and you guys decided. oh no I'm still going to stop and just.

pick up snacks and drink made my lunch. for 2 weeks and and then he could not. bring in the box from the truck to the. house that is all I asked was his. lunchbox to be brought inside I mean. your child could probably do that like. why can't you get done working 13 to 16. hours and I forget and just want to go. home and go to sleep forget it's fine. why can't you just go out and get it. though if you do for when I. ask well I ask you to go do it and I'm. not walking out there it's cold most of.

the time at night when I'm doing it put. a jacket on I don't care you can go get. your own. lunchbox yeah. so we did try that but it quite fast. yeah we lasted about two weeks doing the. bringing my lunch to work then how will. a budget work in this household when you. try something for two weeks and it's. done kind of like the most basic easy. thing we could try.

how the are we going to budget after. this so okay the conversation's end up. in a dead end this is what you said and. then there's no followup now why do you. think there is not a followup I just. want to see self assess this is a self. assess period I want to see where you. guys' mindsets at well I know I have a. spinning habit so the reason why there's. no followup is cuz I don't least at. least I don't try to have a followup. with it you don't try to have a followup. so you're trying to avoid it to be clear. we are immaturely trying to avoid the. conversation 100% I just do not want to. get oh you don't want to get at okay he.

purposely spends on his credit card so I. do not see it on the account you're not. an authorized user you don't get to see. the statements no no not would allow her. to well not that I would allow her just. we got all this stuff before we got. married and all that stuff so well how. long have you guys been. married going on two years now been. together for seven I thought three years. going on is it well it doesn't matter. it's fine it's something like that but.

okay but you don't trust her to okay now. I'll have to ask you do well actually I. want to hear your perspective you say. because she is your word yes so are you. saying this is an endless nag when this. comes down to the financial. conversations how does this conversation. work how does this look from your. perspective I've heard usually her. nagging at me I need to do this I need. to do that and there's nothing she's. needs to do it's always me having to do. something thoughts I well so his company.

gives us uh gift cards lately like for. birthdays Christmas what about thoughts. on what he just. said because I have problems I I don't. I've never said I was innocent in this. that's what I was trying to get at is I. keep my spending to those 25 gift cards. so I'm still getting things it's just. not coming out of our pocket but it is. it's still money that could be going. towards basic necessities to cover some.

things like groceries and gas and then. all our money left over could go towards. paying off debt so it still does it's. still net money no no gift cards from. his company that we have we haven't it's. not in. our income or anything are the gift. cards store specific or they just spend. wherever they're on regular gift cards. card are specific Amazons oh those are. the birthday ones so every time it's my. birthday but then we could still get the.

the thing off of Amazon that we need. that is true instead of spending our. money cuz this is just giving you an. excuse to just go blow it's still money. that's coming in we're in debt yes yes. what about the nagging. part I feel like I am on him fairly I. don't try to on is that is that the. productive way to have this though. that's what I'm wondering because what. so this is what I am taking away from. this conversation so far dude up a lot. his spending up a lot you up a bit but.

then what it happens we come to the. budgeting thing it's not a sit down we. talk about it it's a sit down. and it's never actually a sit down and. talk about it I have begged him to sit. down and try to go through our why you. sit down dude the nagging I just didn't. want to hear. it so I'll just continue playing my. video games or whatever it is okay well. that's what a child does though for what. it's worth I mean I'm not saying we. should go at it from the perspective as. nagging at someone but why aren't you. willing to confront it like an adult. you're 22 you have a second kid.

coming I guess I just don't want to see. how much in debt we are hey what's your. retirement zero uh-huh and you uh-huh. you're putting the burden on your kids. they didn't have a choice to come into. this world they're going to take care of. you because they're not going to see. their mom and dad on the streets when. they don't have enough money to retire. and who knows what Social Security is. going to look like by the time you guys. retire that's where we man up we step. away from the video games we have the. conversation and that's when we have the. conversation we're not just telling the. other person you you you you stop stop. stop stop we sit down we discuss what.

things need to look like what our goals. are and then if you guys aren't. compatible on that that makes me nervous. because one of the leading causes for. divorce in this country is. finances all right let's talk about the. one thing that keeps every business. owner awake at night cash flow I've been. there and when I started the show. keeping up with payroll and scaling the. business while juggling expenses was a. consistent struggle felt like I was. plain Financial death whacka and trust. me that is not fun but that is why.

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with $225,000 extra in the bank are we. compatible on. finances I mean for the most part we. both like to spin so that's comp W so. we're compatible in the wrong way what. about goals what about goal what I don't. think he has any goals to be honest I. have been thinking about the goals where. we want to end up because he talks about. wanting to move back to his hometown. East Texas area what's your goal guy. just playing video games. no not just playing video games get.

enough money saved up pay some stuff off. and so we can move back doesn't matter. you you make incredible income you are. not paying stuff off what what are you. talking about you could be paying stuff. off you're not more money is not going. to do anything more money just like the. gift cards is going to be an excuse to. spend you agree but you're the one. spending on the gift card so I don't. know what you're nodding. about well I feel the same way more. income just is US blowing through it. that's exactly what I tell what's her. goals for the family from your words. what do you think her goals are finances.

family all that good stuff I think her. goal is to get us on a budget um get. bills paid down and be able to live. comfortably and uh get that's a pretty. basic minimum goal what are her goals. for the family big goals where does she. want to see you guys and she wants us to. move to East Texas for sure she wants to. move to East Texas I thought you said he. want he does but I've never lived there. myself he just wants to go back home and. I was like yeah it is really pretty so. I'm totally willing uh yeah yes okay. okay that's it this is all we have in.

our life as a goal to move to East Texas. we have nothing Beyond this get a get a. 20 to 30 acres and she wants to. Homestead like her Homestead she wants. to start growing plants and stuff like. that kind of off- grid Vibes yes offgrid. Vibes. 100% okay so our goal is just a want. want want we don't have oursel as uh. seen where our family is certain. Ambitions seeing where our kids go set. up for retire we don't have our our our.

ambition is literally yeah but our goal. that you guys are talking about so far. is literally just getting a plot Land. good goal that's a fine goal but I'm not. hearing any overarching thing for the. family that makes me a little nervous. like how are we going to button down. sacrifice cut back everything your. spending is insane how are we going to. start messing with that get on the same. page and tweak things and stick to it on. a long-term basis without these broad. overarching goals example $360 going in. and getting drinks and snacks from the.

gas station this last. month she didn't even know no what do. you mean you're the one that sees the. statements right or is this on the. credit cards that you don't see I think. they're on the credit cards I see me so. you didn't even know I'm I'm bringing. new information to the table right now. to you probably yes oh for sake why. isn't she allowed to know that it's not. that she's not allowed to she's never. asks she you have to rely on her asking. but doesn't she ask to sit down and talk. about the money do you I do wouldn't. that be.

[Music]. asking yeah I guess so I mean she. doesn't ask about the certain cards why. would she have to ask specifics if she's. sitting down talking about wanting to. do a conversation about the. finances wouldn't that be the. conversation I mean yeah I would been I. just I don't want her to see all the. spinning I do a gas station you see how. that's. what she's not your mom not a child what.

are your thoughts on this this is he. also has said to me that he prefers gas. station food over the sandwiches that. I've made even you make sandwiches I try. not to I addrs to them I try to make. sure why you say. that he likes gas station food I guess. even though it's terrible for your fatty. and terrible for your health which means. it's delicious we're both thick boys I. mean come on we're fat FKS yeah because. e cuz I eat the food too but I can.

afford it that's the. difference cuz I didn't up my entire. life on technically I could afford it to. you can't no no you have debt and no. retirement if you have no retirement you. can't afford you don't have an emergency. fun you can't afford what are you. talking about what are your delusions on. money you don't understand the basics he. also thinks our saving is plenty good. enough even though it's what's your. savings $800 $863 describe how that is. plenty good enough well it was at six. grand. and.

then we what was it we bought a off. Amazon for um house house improvements. new s what was the savings for honestly. we had no goal for it we had just. started why is it not an emergency fund. have we heard of an emergency fund yes. told wonderful there we go why wasn't it. an emergency fund why was it on Amazon. we just got a house. fund we just don't see the emergencies. coming and I mean that's makes them an. emergency you little what do you think.

an emergency is if everyone saw an. emergency coming it wouldn't be an. emergency what do you think that word. means what are you talking. about what we just kept putting it in. cuz I cared about the savings especially. while we were living in my m at my mom's. how can we have a real conversation here. and make real goals if you're not if she. didn't even know how much you spent on. getting fat i g that much like I knew he.

was spending quite a bit but I mean I've. also had a couple project cars that I've. bought a little bit sold yeah he's there. was one that I got from my dad and he is. non-stop looking for it looking for what. more yeah more project why why not. project get out of debt make sure our. kids are set up for the future why is. everything about your little needs or. desires little wants your toys your. little Hobbies I mean the way I'll see. it is is I make the money and I want to. spend it how I want I can Vibe with that.

to a certain point if you set yourself. up for emergencies make sure enough is. going to needs and retirement I can give. you a massive amount of because you guys. make good money I mean you're going to. bring be bringing in probably like 50 40. to 50 to start off we're going to say 40. just be a little conservative so let's. say 30 hits your account 32 or so on a. yearly basis and then uh we know that. divide that by 12 we're looking at about. 2,666 plus the 9,000 that hits your.

account net probably $11,600 on a. monthly basis is hitting the account. once you get that job wonderful if we're. able to do 30% of. it I can get you guys to blow $3,500 a. month out of anything it's a ton of. money after you're out of debt and have. a fully Fund emergency fun are. contributing to retirement and basic. necessities why do you think you're. allowed to do this now and over your. family if one thing were to go wrong one. thing were to go wrong because if your. little pet projects your family's done. you're a vict you're foreclosed on why.

are you allowing that to be the. case I mean I have the credit cards. though you know if anything happens like. that emergency wise that is borrowed. money that is not our money what are you. talking used it for your tires on your. your car one time and also when we first. moved into the house we thought about. getting engaged we weren't engaged and. he just blew our mortgage money on an. engagement R Mone what do you mean your. mortgage money the money I planned for. mortgage he decided to go how did you.

pay the mortgage my dad your dad yeah. are you what are my my defense in your. defense my dad was like Hey buy the ring. I'll give you the money for the mortgage. don't worry about it but why put. yourself in that kind of family. predicament that can make things awkward. real quick I've seen relationships. destroyed on this show because people. have lent money I don't know if the. episode is out by now but there was one. person who's been lent money by a bunch.

of friends and guess what now they're. all EX friends every single one of. them why risk that and this was your. first mortgage payment no even still do. you owe your dad my dad yes he gifted it. yes well well technically we do still. owe him on our on his insurance. insurance sake insurance we owe for. insurance work for him on the weekends. he I work for him on the weekends cool. take the money home and invest it yeah.

uh-huh what the is this conversation. listen again my concern is how are we. able to move on if you weren't allowing. her to see the $350 of purchases of gas. stations and then I still don't even. know what you think about those. purchases I hate them I despise them I. would but you didn't know was $300 what. do you think about that well not all of. that's food so there's been a couple. times where my chargers for I get those. cheap Chargers gas station Chargers and. and what the cheap gas station chargers.

for your phones he just Why don't you. have a charger well they'll break and I. have to get a new charger what yeah who. gets these then obviously they have a. market cuz of people like you just buy. one charger that isn't that's like $20. for a charger you can get a 20 what I. get $10 I get like a $10 charger on. Amazon and I'm fine forever I need it. right then and there and the gas. station's right there yeah but why not. just do the $10 once. instead of this endless what are you.

doing with your phone I guess the. convenience is right there no what are. you doing with your phone that is. breaking all these Chargers oh I drive. on lease roads every day so it's bumpy. though cool strap it somewhere what are. you like where is it why is it not in. one of those things on the dash well. it's on a magnet it mag magnetizes. obviously the magnet's not working you. need the thing that clamps around it I. just haven't got one. good this is huge for financial audit. for a year now my team and I have worked. with experts to create what I truly. believe are the three best educational.

programs in the financial space online. we have our budgeting program where I. teach you how to create manage and. revolutionize your budget and control. your money and then there's the. investing program where I teach you to. Define what investing profile applies to. you and your life and then teach what. specific investing strategies applies to. you in that situation and now finally we. have our debt program where I teach you. the best ways to pay off debt manage. debt and even take advantage of good.

debt this has been a revolutionary. project that we've been working on for. over a year now and just like over. 10,000 people who've already taken our. educational programs you can now take. advantage of all three of them bundled. together at a 15% discount I've heard. from thousands of people now who've. taken these classes and they've. literally changed their lives for the. better and finally you can too at a more. affordable price head to Caleb. hammer.com or click the link in the. description below you will not regret. this how many times are you buying those.

then uh probably two or three of them a. week two or three a week what two or. three phone chargers a week I can't ask. you to buy me one phone charger for I. I'm telling you I haven't had a charger. in our personal truck for months and. I've been begging for him to just run in. and grab me one and he just recently. before we came on the trip grabbed me my. charger I have never heard of this yeah. buying three phone charges a week is one.

of the most like literally ridiculous. things I've ever heard on the show. that's stupid they just keep breaking. then it's not working purchase one that. doesn't break what the are you doing. your Chargers or something like I don't. understand how you're breaking these. Chargers no they're just I have no idea. they I don't want this to be the antiy. show but what the is that that's the. dumbest thing I've ever heard in my. life today at least yeah and then Vapes. are like 20 30s at the me what you're.

not trying to live for your kids in the. future nope I asked him to quit before. our first baby and he is yet to do it. why why why. why addiction it sucks no have you tried. to quit a couple times what does that. look like to you um I think the longest. I went was two. weeks okay. I can't put that in the budget at the.

end like I'm not gonna budget out your. eventual death so much those things dude. we don't even know the longterm. consequences all right I'm going to go. three two one go and on go I want you. guys to give me your household Financial. score at the same time so I can see what. you guys think you are ranges from 0 to. 10 zero being the absolute worst 10. being the absolute best 3 2 one one whoa.

we're synced with one thing we don't. know what we're each other are spending. on other things cuz we hide spending and. we can't have a conversation about it. I'm going kill you know know that huh. I'm going to kill him after this I had. no idea it was $300 for especially so. many Chargers was that a month or one. week are you kidding me are you joking. is that a month because you used to give. me like $200 for a week why would you. get an allowance what are you talking. about wait what no why are you giving. him an allowance what what is this.

relationship well she used to give me an. allowance for um gas station he get. drinks what why would he have an. allowance cuz he is a child and does not. know how to control himself and does not. understand that finances are not growing. on 250 bucks every two weeks every time. I got paid she gave me 250 bucks cash. because control from your paycheck yes. what the am I dealing with right now. infants if you want your hammer. Financial score it's free figure out. where you are on the scale it link is in.

the description below and if you want to. come to Austin Texas be on the show and. get a little Financial verbal Beatdown. I'm happy to do it go to Caleb. hammer.com. apply this Discover card so what's up. with this Discover card is this one of. the Hidden special little. cards uh she knows about it she knows it. exists but she doesn't know what. spending is on there no idea yeah I had. it oh she doesn't know what spending's. on there no she don't okay what's the. balance on here what do you think what. do you think his balance of his credit. card that is a crew in interest and not.

being paid off. his I think he said one was at. 14. $1,851 again holding you knew about that. no you're right no knew about you're. right you're right there was an 18 too. that you're right what okay she knew. about it what are the conversations. around this then she knows about it what. I told her it was at ,800 and and I'm. going to stop spinning on it that's not. true $516 to spend even though only put. the minimum monthly payment towards it. so you incorrect you lied to.

her always he always most of the time. it's lies I have to dig and dig and dig. for information if I want things if I. want to know things anyway. why I don't know I just I mean she has. give me an answer why why she have I do. not have access to that I have no login. for that account I don't know your login. either just cuz I can guess you because.

you're easy and have one password for. all things big boobs capital letters no. no oh I know you no I wish it was that. easy yeah I. mean I'm not really trying to hide it I. I meaness I didn't know he was still. spending on it also I thought I did not. mean to what do you mean you don't try. to hide but she says she tries to ask. and know about it. and what do you but but she's not seeing. it I don't think I've ever seen those.

transactions also yeah I've never looked. at any of those are we not married are. we not committed are we not ay no. finances do you would you guys consider. yourselves combined oh yeah we're but. you don't even know what's being spent. on this card it's almost at the credit. limit it's almost maxed out maxed out. credit card your life max out credit. card I honestly I didn't know I should. have. known yeah why would you not tell her I.

didn't want her to worry about it yeah. and how's that going cuz it's only. getting worse so now it's a big worry. for all three of us we have a minimum to. payment $59 again he only made the. minimum to payment last time $516 of. purchases $40 of interest is occurring. on a monthly basis $40 being stolen well. how do you not know do you not look at. your own account I know she doesn't but. why don't you I don't even know what the. interest rate on that one is oh for sake. guys go through our debt class so you. can learn how to assess your debt figure. out what good debt is figure out what. bad debt is and how to pay it off how to.

negotiate all this stuff also take our. budgeting class go through it together. take the quizzes together do everything. together so you can be United and. actually do it can do it you get it for. free it's 15% off for these people when. all bundled together which is great for. them but you guys get it for free so do. it you're shocked at how much interest. is aing on here come on come on guess. what if he doesn't even make any more. purchases and only does the minimum. payment as he's been doing how long do. you think it takes to pay off three. years to pay it off okay. yeah yeah seven. years my I'm going to kill happy 31y old.

birthday I'm going to and that is. without one purchase being made ever on. this card not one I'm going to take all. your cards should that be how this. conversation is I don't want it to be no. then what are you going to do to man up. for the first time in your life I guess. stop spinning on my cards and give her. full access to all my cards so she can. see you need to be babied no I don't. need to be babied but she needs access. to him so she can see what. I guess. [Music].

yeah McDonald's $32 going in and getting. some bull vaping who knows Chick-fil-A. going and getting some crap Head Hunters. what's that that's a vape store great. wonderful going and getting some going. and getting some [ __ ] going and. getting some [ __ ] going and getting. some [ __ ] going and getting some. bull it's all drinks it's all food it's. all crap getting some donuts going and. getting some be ass raisin canes water. Burgers going in get some. BS 27.7 4% interest rate on this.

card interest charge this year 350 bucks. Pride from your household 350 bucks. imagine where that could go today I have. no idea honestly stop paying off. something yeah looking at here $30,000. for what oh a ram that has you written. all over a manly West Texas Ram 1500. $30,000 do I'm actually a Ford guy but. the r well great so it's even worse so. you have $30,000 for something you don't. even like well I didn't didn't say I. didn't like it Ram $530,000 hours kill.

me. now upside down on it oh I bet you are. I'm not. surprised. guys. 19.8% interest what are we doing what. life are we living in what world a 20% a. credit card interest on a car a a 20%. interest rate on a. truck what's the deal with predicting.

the future of business inflation's up. and it's down rates are cut then they're. raised it's like trying to follow the. plot of a bad soap opera if someone. could just invent a business crystal. ball already that'd be wonderful but. until that happens today's sponsor netw. site by Oracle is the next best thing. over 40,000 businesses have future. prooof their operations with the number. one Cloud Erp netw Suite combines. accounting financial management. inventory and HR all into one seamless. platform here's the thing running a.

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how do we not know anything next to me. when we when I signed the papers to get. it you went over all the paperwork well. why weren't you listening I didn't think. about it how are you not thinking about. we can't do that you can't not think. about it what do you mean you don't want. to know I didn't even want the truck in. the first place he had access to his. father's truck from the Geto what the. are you doing I got tired of asking to. borrow his truck and I need oh man but. now you're borrowing the bank's money. instead at 20% I doubt that interest was. on your dad's.

truck you borrowed it you didn't have to. pay for exactly you just had to ask. which I'm not saying don't get a car at. some point no one's saying that we. already had a vehicle 20 what a Dodge. Journey I it was our vehicle our family. vehicle yes. well did you guys need to leave at the. same time. though could you only do one car there. was before I was in the the field I had. a service truck I was driving back and. forth to work which was an hour and a. half to work every day why the this car.

why a 20% interest rate on a. r I thought I'll be able to refinance it. in a year and get a down lower and you. probably can I doubt the rate's going to. be good we can probably get you close to. like. 10% my life that's not like that's good. anyway. 20% interest on a TR what is the minimum. monthly 700 something no no. 595 I.

think. 595 yeah okay. for and how is it how's this car that. were dramatically underwater and have a. credit card interest rate and chunky. payment on pretty nice I mean it get us. at point A to point B and it's going to. last for a bit Yeah. miles now uh 72,000 miles on it now hey. condition oh pretty fair fair fair is.

usually not good in the car World well. I've um what was it a trailer came. unhitched on the truck smashed into the. tailgate but besides that it's a pretty. good. truck the. toys the gas station food and now a 20%. truck is more important than the child. that is growing in there that she's. going to take a and it's going to come. out one day that's exactly how it feels. no it's not but it is cuz that's what.

you're doing when did you get this truck. uh September of. 23 no 2023 yes September so a year ago. yes what is the what is the term length. on this 68 68 months 68 stop it guys. America what are we doing what is our. Obsession willing to get a multi multi. multi long year 7 year almost bull crap. at a 20% interest with a minimum payment.

that we can barely afford also that you. can have a manly truck for your West. Texas oil riding friends who cares how. about the kids how about the kids huh. maybe they matter a little my son likes. the truck a lot why cuz they don't have. wheels they don't matter as much your. son likes a truck it doesn't know what's. going on can't even it's barely starting. to form corn memories in its. life likes the truck it likes anything. that goes. vom yes he does or ch.

ch yes Road Runner is this a. continuation or is this a different. that's different this is a different. thing yes that's my fourwheeler yes your. fourwheeler for what you need a. four-wheeler you already have a thing. with guess what four wheels that does. not run it doesn't run oh no it it runs. I just blew the front at one point yeah. I blew the front diff up so does it. drive right now no sounds like it. doesn't. [Music].

run a four-wheeler for why that's our. hobby we go out and what just roll. around in the sand out there just okay. not sand we usually go uh there is sand. though there is a little bit of sand but. it just go muddy pretty. much roll around in the mud get a mud. room get a mud room already has. four-wheelers that we could have been. using again again with this what are so. that's actual child purchases. you're making me shake my fat jiggling.

what are we doing I just wanted my own. fourwheeler and I went out and got. one uh I got just Stacks it Stacks it. Stacks dude 22 and it's not paid off. until. 2029 what years yeah seven years. yeah we're just willing to finance. everything in our life what is the. interest on this uh not good I that's. not a number I don't remember I think. it's 18. I think it's 18 so just as bad as I'm.

like great mentally getting worn down. like. there when I hear 18 that should be the. end of the world and you're making it. become like a basic normal number like. that's what people are just getting does. I say it on there you already had your. kid at that point or the kid was no no. no no no I already had the kid I I know. how math. works okay we didn't wait when did you. get this uh 2022 okay so kid was like. baby a babbe still yeah so you did have. kid [ __ ] okay I thought you said 2018 I.

was confused okay. no how do we approach this in the future. you just get these [ __ ] things that. by the way already exist in your family. but this Fuller that I got is um the. 1,000 so it's bigger than all the. Fullers we've had oh oh big guy oh. special little guy yes oh what a what a. man what what a handsome gentleman. handsome gentleman I was showing all his. friends he has a bigger four-wheeler to. make up for his micro dick oh it's nice. and pretty too he made sure it had camo.

no camo I put oh good everyone can see. you in sand I put $2,000 TI is a. Afghanistan level camo or what what or. everyone's going to see you no it's just. real tree camo oh great that's what West. Texas is known for trees guys we're so. smart I actually picked it up in Austin. here at the family power sports. wonderful proud of you you got scammed. in Austin I also had been saying no and. what did you just say about the tire. do it say something about the tires. $2,000 tires I put on it each no all.

four all four yeah. the okay so this is this is crazy the. thing that's crazy is that dad already. had. him 18% till 2029 I. mean you guys are just going into your. late 20s early 30s with these Debs for. no reason for no reason with a zero. dollar in retirement you with your. income buddy you could be a. multi-millionaire.

multi-millionaire if I took your income. plugged it into Mumu my investing app a. choice that's what I use to for my. regular brokage not like my Roth R but I. go in there and I just put that money in. there and I buy like S&P 500 20% of your. income dude boom multi-millionaire by. retired cuz you're investing froming 22. you do not realize what you are giving. up you do not realize that what you are. giving up time is on your side unlike. any other you are making an incredible. income.

multi-millionaire by retirement is what. you're giving up cuz every year you. don't invest from 22 that number. literally will probably lower by 100. $200,000 300 every year you add it just. becomes hundreds of thousands of dollars. you are not making in compound interest. do we understand what I'm saying I fully. understand I know time is on our time on. our side and we should be doing it even. started to go into and open a Roth for.

each of us but no money has been put. into them yeah what's the point then. $223 minimum through payment I these are. stacking like crazy already $ 7,922 ow. on it again 18% the last one was a a. 20% and you do you understand what I am. saying uh I do I understand that the. interest rate on that pretty high and I. was going to work on trying to get a. Finance what what I don't think you. understand cuz now that's the second.

thing you've brought up the interestate. alone is not the issue you do not need. this you do not need this and you're not. like lb Jing everyone that you meet just. whipping out and seeing who has the. biggest dong when it comes to. four-wheelers okay it is that is not. what we're trying to do we're trying to. set you up for Success if you get this. from 18% to 8% I'm not celebrating that. cuz that's one still a sh interest rate. let's be clear for something we do not. need that is a depreciating asset this.

having this is the issue we're probably. selling. this. it's yes it is yeah it's a $1,500 it's. having these things it's having a 30,000. hour car not the interest rate the. interest rate is stacking making it. worse it should be a $110,000 thing. three years money guy it up they. essentially suggest their financial. advisors here on YouTube 20% down on a. car no longer than a three-year term no. more than 8% of gross. income that's the car that you would.

have been allowed to finance it's having. these that are it you refinancing is not. getting you out of this I I want to. correct that mindset. immediately unless you're refinancing. them to like 1% and you're. not okay what's up with the regular. Capital One Platinum oh that's a credit. card is it yes interesting and what is. up with it um I haven't SP I haven't. spent on that one in a while that one is. been um what's the balance on here is. this his only yes it is and what's the.

balance it's in the thousands I know. $1,674 with a $62 minimum the. payment what's this what what why do we. have this why is no bers being made. other than the minimums huh that was my. very first credit card very good that. means you've had the longest amount of. time to pay it off why is there a. massive balance on here. um so in. 2022 right after I got the four weather.

my old company I was with got bought out. okay and we went struggling pretty bad. though they lowered pay rates and all. that and remember we said you can't see. emergencies coming yeah and we use. credit cards to help us float until I. why not cut back on lifestyle I know you. didn't cut back on lifestyle you didn't. get rid of the four-wheeler no I did not. get exactly you shouldn't be going in. debt to you cut back on everything until. you can't and that's when we start. digging deep on that and even still you. haven't been struggling for a while so. even if we are in a moment of struggle.

if someone does not have pet insurance. and I recommend that everyone does trust. me I've the bills I recw for my dogs. that try to kill themselves constantly. okay but let's say an emergency happens. no one's going to let their pet die so. sometimes they put it on a credit card. that is not what I'm upset about I'm. upset that when you are doing better. which you are you are not doing. everything in your power to pay down the. card you only make the minimum mcy. payment on both the cards I've seen so. far and same with the vehicles I paid. $500 towards a two 3 months ago. congratulations that's not what I have. here and you're making the same kind of.

income I don't see that and that means. you were literally at the limit you at. the limit I was actually above the limit. so it's not that it was it was the first. credit card you were at the limit this. credit card was recently spent on if it. was at the limit yeah it was um the. monthly payment and the what was the. interest rate on it got me above the The. Limit Oh yeah yeah so how long to pay. off minimum monthly payment only folks. how long to pay off the way you're doing.

it currently no seven years oh seven. that's being nice I think 12 years 12. years 12 over a decade congratulations. because of what you did still spending. on those this he did not still spend on. he was if it was literally at its limit. and then over the limit he was recently. spending on it he didn't this last month. oh. good payroll we had $7,000 Hours come in. last you said you said 9,000 comes. in wait so what's the what's wrong the.

last two months has been really rough. I've been to Tak a lot of days off with. her father yeah uh he was diagnosed with. um what's it brain cancer brain cancer. I'm sorry that's horrible he passed away. uh last Saturday or two Saturdays ago. that's horrible I'm sorry yes so because. of that a little less income came in. yeah take. time uh yeah we don't wish that on. anyone obviously that's horrible is the. income going to start restabilizing now. yes actually it has gone up already has.

okay so $7,000 came in now again this is. when we cut back because less money's. coming in how much went out how much was. spent probably over that how much was. spent 6,000 say six I'd say eight okay. how about. 9,177 only 7,132 came in we don't need. to double up a life trauma that is. horrible to go through with also making. our future life even. worse and you guys could have cut back. back we saw you're spending already on. One credit card it was ridiculous it was.

ridiculous all for snacks and drinks and. vaping and Chargers three a week what. what the even is. that we're spending 2,000 hours more. than we make no we cut back in times. that are hard we sacrifice we don't. sustain the level before because if you. do you're yourself in the future. Future's now and you have yourselves and. we have so no pet insurance for uh you.

have pets we have pets we have three. dogs and five cats and a lizard we. walked into our house with only two dogs. and one cat and then our cat my cat. responsible to get pets when you can't. afford to take care of them at the. fullest ability that is necessary well. her cat kept getting pregnant and. Pregnant tell it to. stop DN it doesn't listen like that it's. we've already scheduled Spades are free. at Community Services often times I I. know what small town does but you could. probably yeah you already came to Austin.

to pick up a four-wheeler bring the. cat's vagina over here and have it cut. off what bro what are you talking about. man she's actually pregnant. currently yeah she is pregnant. currently well at this case in order for. you guys to survive you guys are going. to have to be eating the cats and eating. the dogs pretty soon hey we've had a. late payment fee on this card this year. well done. neither of you knew this I'm gathering. from the faces that are being shown.

towards me right now oh no idea yes um. the auto payment auto pay did not come. out so I had to go in there why because. you didn't have enough money in your. account that it was getting pulled from. okay so why do we up that part then. probably gas station that's I I couldn't. tell you in the check-in account yes I. if meaning there's more to come I'm. going to oh there's a lot more to come. right the um gas stations I just. from this conversation so far what we've. done is we're just going through seeing.

where it's at but your language and. presentation towards me is not. suggesting that there's going to be any. change after this is anyone else picking. on up on this is this just me chat is. this just me I believe it's just you I. mean we want to change okay great I'm. glad okay. $62 in interest this year so far on that. card. $62 pulling away from us okay there over. a month of your income. gone on one just having the credit.

card this this looks I see wheels at the. top of this thing no that's the same. that's the same account grow Runner I. think the interest rate is on that oh it. is 18% 72 months so this is the same. thing I already saw yeah same thing I. just other paper didn't have rate on it. think yeah just one wheer good you just. sa me a little bit does still look. constantly on his phone on Facebook. Marketplace for another project car what. you doing a side by side delete Facebook.

delete the. Zuck I can't delete Facebook and I got I. get notifications you know you get. notific you're 22 you're two decades. under the meeting age of Facebook what. notifications are you getting what. family's doing and family he does have a. family reunion thing that. congrat yeah but what do you need to see. for it just know when it is and go what. it's it's just someone posting some AI. thing of a veteran with 10 arms and.

they're like thank goodness like. everyone pray for this guy and it's some. AI generated image and everyone thinks. it's real on Facebook cuz they're. 69 billion years. old you know mine's mostly about. mechanic stuff and four. wheelers that's all he looks at yeah you. can't have that level of Temptation. though you you don't have the. control yeah it's kind of hard I mean. yeah but I on on Facebook Marketplace I. look at pretty much anything from.

furniture to folders just why though you. you have that shopping addiction. obviously on different things so why. temp yourself something new just want. something new I know so why tempt. yourself like that then going forward. maybe we're building these different. little habits when we're bored instead. of looking at all those. things I do think I need to delete. Facebook but it's on my Facebook Tik Tok. Instagram. he has Zillow that he constantly looks. at he wants us I do too it's fun but you.

can't control. yourself yeah we supposed to go look at. a house um this. weekend in the still West Texas still. West but that goes against you guys'. goal the East Side anyway so like what. do. you why if you think you want to go to. the east side why get into a new. mortgage at a higher interest rate on. the West Side that's all I keep saying I. do not want to move I am okay and I mean. if he wants to do the house improvements. cuz there are we can improve on our.

house the other day you were talking. about how you wanted to move that you. wanted a bigger I do technically want a. bigger house our mortgage used to be. well then you just lied to me well but I. can wait until it's in East Texas I. don't need a bigger house in well our. mortgage used to be. $933 a month and then now it's 14 the. why property taxes we have no idea I. assume are you homesteading I did that. two months ago barely back did you back. homest said though yes yes.

yes we should get money back I'm I. should get money back I'm just waiting. for that but I did do that and I'm just. waiting till the end of the year to see. if my monthly payment. drops but she was we both agree that. that house we're living in is not worth. the $1,400 a month well I don't know. it's that's the cost of the debt and the. property taxes and that's. is I mean if it's literally not worth it. then you need to liquidate that asset. and get to send to something something. that's making moves you know if it's not. worth it and it's going down I'd rather.

it be rent okay what do deserve fence in. the back that's broke yeah cool so our. dogs can't be outside anymore get a. hammer some wood it's a whole metal. fence it went down because the storms. pulled it down and I lost my service. truck for two months due to um transfer. case going out on it so I didn't have a. welder to weld on the back to weld my. you do now I do now yes cool why haven't. you fix that Mr welding guy laziness. just well there you go so I no longer.

have any sympathy for that yeah so okay. great oh and the wind I'm the wind is. really oh no guys there's. wind what is the. deserve card it looks like a card oh. that one's mine that one's a college um. so guess what you do have debt why do. you have debt why is thatt not being. paid off in your end this has been pick. on him so far why do you have a balance. that is not going anywhere more than the. minimum monthly payment. I'm about to end this man's whole career. when was the last time you paid the.

monthly payment well the monthly. payment's being made drafted but just. the minimum monthly which is 15 is not. going to make any. progress two years to pay off the way. you're doing it two years honestly it's. because I spend my my money on grocery. stores oh come on well how much bull. stuff. it's bullsh but. and I just don't want to use his money. because he has so many credit cards why.

is it his mine his yours that's just. what I was think you told me you were. combined we are and we only have his. mine yeah One banking account because he. wants his money he wants to why is it. your money is it not your couple. together married it is I just then what. like I don't get to spend my money on. what I want my money on what I want you. guys are contradicting your do not. realize this I can't spend my money this. is you are you guys are either United in.

your money or you're not and I mean. don't wrong I spend my money on I our. money on her a lot I've gotten her three. Apple watches it's stop spending your. money it's stop what are you talking. about that's you spending your money on. a gift for her yes I'm talking about. whether or not she would take it and pay. off this car but she's saying I don't. want to take his money cuz he wants to. spend his money even if it's not to get. for her so what are you talking about. your guys's money are separate. that's what it is you can say otherwise. but the way you're talking about it and.

the way you're actually using. it your money is separate you guys are. not. together I hadn't thought about it that. way but how have you not did you not. hear the words you guys just. said I mean what was it like two hours. before we got here we had to go to. Target and $400 on makeup. before you got here put there some. makeup in her defense my dog did eat all.

of my makeup. everything yes so we went from two dogs. we had two kennels that we would lock. them up at. night for at night yeah for at night. okay okay and then when we got that. third dog we had nowhere to put her cuz. you getting more dogs she walked home. with us I was on a walk my NE C I. couldn't turn it down. either not leave our house at all I. would kick her out out of my front door. cuz she was still pretty puppy puppy and.

so rude I know no that's not even rude. that's just mean you're allowing it to. go die no you give it to a shelter no no. no no no no no no no no you kicked it. out your front door so I wouldn't have. to K pick up her potty accident they'll. take it to a shelter not hope or let it. go and see if it dies no she's still in. the house yes but you saying you kicked. it out the front. door yes that's disgusting. that's evil if you want to earn a $3,000.

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anyway she would have getting out you. take it out with a leash like a adult. you take on the responsibility you have. it you don't just say good luck the dog. did stay this is disgusting it did yeah. it did lucky for it still does kind of. she gets out a lot no she does get out a. lot I don't care you still did the. action of it could have gone away yes. and died that's gross that's disgusting. the was $100 in interest this year so. far on that. card but we don't pay it off cuz it's.

his money we're not United and we have. no United goals other than the little. thing we want and East Texas other than. that no actual Ambitions or anything. vivent solar security what do we have. security house system yeah for a town. that five people live in 29,000 okay. yeah real dangerous a little bit bigger. than five our neighborhood's not the. best our neighborhood is not the best I. I'm okay with it um not okay with the. finan on that though that one I have why.

this you have 20% interest car debt and. you have 30% interest discovered that. well that one I said on auto pay autopay. when we first got it and then I thought. it was coming out but it I waited 6. months to look at it and I realized it. never came out oh for sake so I was 6. months behind on it and I just been. trying to pay that one off what's the. interest I think I believe zero I could. not find anything on it well the auto. pay is 35 that's the minimum of pay 100. but I wouldn't I would just do the. minimum monthly now and then the current.

balance is 654 if it's 0% interest go. kill something else unless we're. snowball methoding we'll figure that out. in the end why do we have a Walmart card. in collections is that me or you guys. look like you were born in Walmart but. why do we have a Walmart card in. collection is that mine or hers I don't. know how would I know how would I I know. why are you asking me guys Walmart you. can't tell me what your own you sent us. oh you're going to make me lose my mind. I believe that one's yours the Capital.

One Walmart card it's. 2099 the 2000 maybe are you sure it's. from the card I'm pretty sure that's U. medical yeah that's medical $2,000. medical I me wait one second one second. one second one second cuz I I. had okay it's medical. 20099 that's from can you guys don't. didn't have insurance it makes so much. money yeah I didn't have insurance I. missed the um open enrollment well I did.

it but I did have insurance now yes why. do we still owe on this starts January 1. why do we still owe on this why is it in. collections why didn't we pay get on a. payment plan at the hospital they pretty. much all offer them zero. interest I honestly didn't think about a. payment plan because we're living like. children that's why so we have no. responsibility we only get toys and we. just blow as much money as we want don't. care take care of our animals we. just well done so the house guys we're.

at a 4% we're under 4% in interest the. mortgage of $130,000 when we're talking. about moving the are you talking about. unless you're moving somewhere else like. why right now it doesn't make sense and. it's not for space it would just be for. once yes but it's not space. necessity no no I mean it's we've got. the room right now yes. that's. 130,000. oo and $60 with a minimum monthly. payment of yeah 1,400 but we don't know.

what it did jump I know yeah cuz. property taxes are essentially. half Insurance what did your insurance. jump to do you know did the insurance. jump up did it I can't see I can't see I. believe it was just the. um the um this is CRA prop taxes. principal to the home this year 2000 but. escro taxes Insurance. 6,000 crazy anything else that you guys.

owe money on cuz I think I'm to the. check-in account um well you said you ow. your dad or something right for. insurance yeah yeah Insurance what what. do you what is it even for now why is. Daddy paying for car insurance well I. pay him but it's $140 a month I got to. give him if we but it's not a debt no. it's not a debt no we were 3 months. behind we didn't pay why were we 3. months behind I forgot to pay them and. he's just forget. that's it yes I just forgot it's not. that we couldn't no know that I couldn't. I just forgot and after.

ions unorganized this Friday what you ow. this Friday huh what do I get paid this. Friday what do you owe him this Friday. uh just a monthly payment the 140 for. the you said he'll be caught up so. you're only just the noral so we're just. one now we have paid him twice since. then yes and he'll be caught up so. unorganized you don't know each other's. situations you call it his money your. money honestly didn't even know mess of. course not I'm not surprised for a. single second he also non-stop buys.

tools off of his the tool truck his not. the tool truck theing tool truck do you. owe money to the tool truck yes $1,000. oh only a th000 minimum no he had to pay. it down that is low for the tool truck. people I get up to 1,000 stop you guys. need to stop getting on your knees for. this tool man that shows up okay I'm you. guys are obsessed everyone everyone over. there is obsessed for theing Tool Man.

shows up in a special little truck ooh. special little truck time time to go. into a billion per interest for a tool. no interest I don't got a credit account. with them it's on the but you said you. ow a th000 yes so you have a credit. account with the truck and then you got. the truck account the truck account is. pretty much I buy the 12 of you and I. got to pay you the monthly payment and. there's no interest rate with it the f. are you talking about so let me see are. you sure yes 100% what's your monthly. payments uh it's 140 bucks a.

week every two weeks week every check. it's why have another $280 a month. payment for Tim the toolman he says it's. for his work but I name Eddie I don't. know any other. debt think long and hard cuz you don't. know about each other's debt so you need. to tell me about your own individual. ones oh that that should be it yeah' I. don't have any debt check.

account 247 ending balance D is this the. only check in account yes and we we're. ending with 247 that's so dangerous what. if anything happens you're just putting. yourself and even more importantly cuz. they didn't consent to coming into this. world your children at unnecessary risk. just for your own addiction suspending. and your immature to be able to sit down. and have a reasonable conversation about. without bickering at each other without. hiding things whatever it may be you all. bring both sh things to the table and.

prevent each other from coming to the. [Music]. table some subscriptions Anytime Fitness. all this stuff oh we don't use those we. both have one but we don't use them we. don't we don't have the time we you know. what fun fact usually cancel mine can be. can his cannot why the. yeah I got a year some plan i s oh. you're easy to.

sell why have these unnecessary. subscriptions honestly I encourage. people to have a gym membership while. getting out of debt and get to the gym. and work out so you can prevent man tits. like mine I encourage it I'm not good at. it but I encourage. it Anytime Fitness Planet Fitness all. that good stuff some minimal payments. okay here we go again stopping in. getting some stopping in getting some BS. stopping in getting some BS selling out. 150 to Mom that's that's my.

insurance so you're doing that as well. yes we both have insurance with our. parents health or car car car. car if we went by our stop December he. has what three. accidents three accidents yeah three. accidents what he's there's no one there. total two vehicles what are you crashing. intoing armadillos pole at 70 mph and.

are you drunk no I was really sleepy I. got to get up at like 400 in the morning. every day to get to work so I didn't. sleep very well the night before and I. fell asleep and hit a. pole and then the second accident is on. I20 I20 is is hectic as hell it's a lot. of accidents every day on. it went over over pass and everybody. stopped and I didn't know and I couldn't. stop you didn't know he wasn't paying. attention well that that's not you.

didn't know it's you weren't looking I. didn't. know I didn't. know stupid yeah by the time I got to. the top of the overpass I saw tail. lights and I went to stop and the car. just. [Music]. slid oh you're creature going in and. getting some a snack going in getting a. sandwich Apple build some kind of. subscription going in getting a sandwich. Microsoft subscription going to.

Chick-fil-A going to the grill for 78. bucks what you say huh the Microsoft is. our. gaming we only get Duty we only get Call. of Duty through the Game Pass we haven't. bought Call of Duty okay but if it's. only for one game you could get Call of. Duty in a couple months of Game Pass. Game Pass is so you can do a lot of. games other games he plays other games I. I do not we'll see if that fits but. you're going to the grill for. $78 going in and getting a sandwich. Academy Sports 160 bucks door dashing.

McDonald's and I know that McDonald's is. about 10 light years from your house ATM. would draw $123 who knows where that. went going in and getting a sandwich. another Apple Bill some some kind of. subscription another Apple Bill some. kind of subscription maybe who knows I. don't know then going in and getting a. Sammy Chick-fil-A going in and getting. the sandwich going in and getting the. sandwiches is a mess they can't be that. good my goodness going in and getting a. sandwich going in and getting a sandwich. Chick-fil-A again going and getting a. sandwich going in and getting a sandwich.

Sunny Side Up Cafe Golden. Chick wait how long is this chicken out. this is crazy this is crazy Chick-fil-A. going in and getting a sandwich going in. and getting a sandwich going and getting. a sandwich McDonald's Donuts smoke. scene Microsoft again wait two in one. month yes she's got one he's got one I. you can't Shar a no we cannot cuz play. the same game yes we play we play. together so he gets a sandwich for lunch.

and then every other day you guys go out. to eat for dinner yes yes no one Cooks. literally no one like actually yeah we. just don't have I when we first house. you know this is uning acceptable your. kids are going to struggle to survive. and you refuse to cook stop being. children stop being children that's not. a joke like that's crazy who gives a. crap Inc $73 Chick-fil-A another Apple. Bill another subscription maybe. subscription Hotel settlers the train.

car Chick-fil-A Sunnyside Up Cafe Donuts. I'm seeing the same five places over and. over again cuz we're addicted Tik Tok. shop $71 what what do you. get what do you. get those were the uh litter boxes I. believe no whaton that was Amazon no. that was Amazon I don't remember. honestly $71 and you don't know what you. got steam cleaner. on Tik Tok my stink cleaner yeah was it. that long it wasn't that long I $71.

that's the only thing on Tik talkk shop. you bought that was about 70 we've. overdrafted this year yes I. yes for why so we can get sandwiches. we're. overdrafting so we can get sandwiches. we're. overdrafting uh-huh great Insight guys. show me your. subscriptions Whoever has them on the. phone pull it up and show me those. subscriptions we only pay for paramont.

plus and paramont plus Apple. subscription that Apple that 595. whatever where's my sh this is. ridiculous guys insane you are getting. what are you getting two sandwiches a. day or you going and getting a sandwich. and a nicotine thing and a [ __ ] and and. a and a stupid little drink as well you. must be getting 10 things cuz we're at. the we're at the you're going in more. than every day well I buy breakfast and. lunch for me when I'm out in the field. I'm budget lless oh actually some of.

those subscriptions were for my. pregnancy apps two of them are at least. $1,400 getting food miscellaneous bullsh. extra. 1,300 thank you almost $3,000 that could. have gone towards debt retirement. survival down payment on a new home went. out the door on. [ __ ] we spent $2,000 more than came. in yet we spent.

$3,000 minimum on [ __ ] probably. closer to. four I am angry actually angry because. you have kids this was just you two. young couple around there is a child on. the way there's a three-year-old and. you're saying it doesn't. matter your actions don't give a you're. acting like. freshly new job first 16-year-old job. ever got my little card from work.

spending you're acting like a joke you. guys are floundering it you're willing. to let it just go away and have you have. nothing to show for it a mortgage sure. but nothing not a single set in. retirement and we got some toys that are. broken I had like 2,000 and then I. pulled out of. it I didn't know you pulled out of it. yeah as a. principal when oh. July it' be last year July area.

why I thought you pay a credit card I. thought you weren't allowed to have a. credit card that you just built all the. way back up again this is why we don't. do it this is why we. don't you didn't change your behavior. this the budget that we follow in the. classes that you guys take this is the. behavior change only then in then are. you able to do any kind of consolidation. or. shortcuts not.

before we change our. Behavior 9,400 hits our account on. average me get your minimum monthly. payments for all this stuff not. mortgage and you don't know what your. mortgage is going to be so we're just. going to put it at the high end and any. extra will literally just go towards. paying off debt okay okay that'll work. right now minimum payments. as as much as your mortgage well done.

$1,269 128 then of course we know we. know our mortgage is 1418 what about. utilities guys on average um electricity. is around. 250 and then water and trash is about 80. bucks uh Wi-Fi is. 110. and gas is 40 yeah I would say 40 on the. high end sometimes. okay V vom drive drive you guys combined. gas gas uh me zero I have a service.

truck now I don't ever really Drive can. we sell your truck then well that's what. she drives that is what I drive now you. drive his truck now yes oh wait well she. had a car I did have a Dodge Journey and. that's what I was using so the truck was. sitting with where is the journey it's. with my brother now yes with her dad. pass you own it no no no my brother my. or my father got it for me under his. name so we could get a better interest. rate okay how much in gas money uh I.

only spend probably $45 every two weeks. I don't drive very you never okay I. don't drive you going say 100 bucks car. insurance is 150 each right 140 150 so. 290 what's the gym that can't be. canceled on a monthly basis Anytime. Fitness uh 35 each how much every two. weeks how much $35 every two weeks yes. okay so 70 go go ahead and use it use it. while you have to where is the gym part. okay Medical Healthcare anything on a.

monthly basis I'm sure you're going in. for checkups here and there pretty soon. nothing right now soon yeah I will um my. uh insurance won't Ki it until January. 1st you're still Insurance list yes it. won't until I got screwed over and. missed the um enrollment date enrollment. just came in so we okay Medical. Healthcare on a monthly basis any. medications anything no no. okay I'm going to once you get that. insurance and then you're going to start. going things there's going to be co-pays. and you know all that stuff but you.

budget that that in you figure that out. hopefully it's offset by the mortgage. going down 150 bucks for the TP fund. this is your makeup this is anything you. need this is total paper all that stuff. you budget it out some goes towards some. on one month some goes to the other on. the next month you figure it out going. to do about 750 bucks for food should be. fine little ones not eating too much but. you can figure that out you're going to. meal prep this is what I'm most. concerned about the that you don't cook. a single meal like you guys are going to. have to meal prep every meal that you. guys do a couple times a week that's how.

you guys make it through it and you can. follow our meal prep plan um using Texas. grocery stores too in in the budgeting. class and tweak it to your needs. obviously the newborn is going to be. using titties so it's like yes that's. free phone. bills uh. 295 I'm going to kill myself. why her watch and phone your watch watch. what about your watch it's financed yes. phone 295 295 a month yes.

sake I usually recommend helium but for. Rural I I'm I'm not as educated as I. should be but I do like helium for those. that live in a more urban environment. T-Mobile towers but 290 pay it off and. find a better service okay cheaper I. think Cricket around the rural are there. there you go there you go anything else. that needs to be in your budget that I. don't have subscriptions ah okay let's. see if I can put in the $40 Game Pass. and that will be the only subscription. $40 both of you combin okay only you.

cancel everything. else okay deal yeah we can do that you. get $40. total you figure out where it goes. Paramount plus though Paramount plus. I've never heard anyone not want to. close Paramount plus that's all that's. all all the TV shows is on there oh you. got um the new new um TV show land Man U. country Oh Land man I think I've seen. clips of that that's like based in your. area is it so that's why you guys are.

watching it theud like I'm a man don't. you know I'm a man haven't you thought. about I'm a I'm a man oh I'm a real man. I'm an American that's the whole show. that's the entire Clips I've seen he's. like I'm an American Oil oh. America pretty much pretty close to that. I've never watched well you can choose. if you want Paramount for Mr oil man if. you'd like. he has a good raspy voice we all like it. but you get $40 for subscriptions for. the household we'll see if there's more.

in the end but I'm just trying to add. certain things pet insurance we should. how much for pet food on our monthly. basis uh the we get uh what is it the. dog food is like 50 bucks for the whole. month no every two weeks even still all. those all those dogs 100 bucks a month. must not be very good food yes mine's. like $100 of well I go crazy though for. mine but it's bad kibble we should be. putting on on if you can't afford to. reasonably take care of pets in a. healthy good way including pet insurance.

you should not have it it's. irresponsible and it harms. them pet insurance I do I even put that. in your guys' fun it would be expensive. with all you guys all you. guys cat food is that's right oh yeah. cat food is only 20 20 bucks a bag so um. $40 a. month and they should be on wet food I. want let's see if I can give you guys. $200 pet insurance we'll try to figure. that out that's honestly probably a.

little too cheap but I'm just going to. put it in there and let's CU you guys. are going to have to nail down the. budget in detail when you guys actually. do this yourself cuz that's the. important part but we're just trying to. figure out if there's even a path here. and what that path can look. like anything else that needs to be in. your budget that I have not taken. account for so let's move that pen. Insurance up to. 300 so I'm going to add an extra 100. then I'm also going to add a bull fund. of 500 be subscriptions be whatever you.

need even still because you just have. such a strong income and that even. upsets me more that you guys are around. cuz you guys are going to be able to. tackle this out like crazy even with all. the [ __ ] and everything combined. that I've just given you you have. $581 is what you need to survive again. $9,400 hits your account on a monthly. basis guys what a joke what a joke. there's no reason why you should have. this debt I'm going to be honest this is. stupid. 3,586 if I ever said that much money.

left on a monthly basis I would be. embarrassed I would legitimately be. embarrassed I am embarrassed for you. right now because that's a joke I'm not. trying to be insulting you that's a joke. that is so much more. money like I almost feel like I need to. do the math again no that mean that. seems about. right that's a joke well how much debt. besides the mortgage do you have I mean. if I just get that number I can figure F. this out I. have without your mortgage.

46,4 unless there's more debt that I. don't know about and that includes. Collections and with that and you guys. are bad debt free including those things. that you really shouldn't have in a. year just a year cuz you guys have a lot. of extra money just over a year need to. get a fully Fund emergency fun call 6. months after that it's simply a joke you. guys live such a good life and you just. just you refuse to actually manage like. adults and communicate and. talk so I'm done you know what's nice is.

luckily when we're done with here I get. the walk out there we're doing a cooking. stream which is super fun yeah you guys. you guys can probably watch the VOD of. it but in our well I'm making my people. cook off against each other in our. weekly live stream in the uh hammer. membership which you guys should. definitely sign up for below and join us. in the post show and tens of thousands. of hours of extra cont content super fun. stuff it'll be. good but you guys have to start tackling. the debt that's what you have to start.

dealing with spend in and budget 0 out. of 10 I mean you over spent debt we have. collection 0 out of 10 emergency fund. there was nothing 0 out of. 10 retirement nothing we drained Ito oh. you do have real estate though and it's. it a good what do you know what the. house is at uh what it's valued at 160. hey and the mortgage was 130 so the. equity position is not even that crazy. when you get it you got it at 19 19. yeah you guys not get a big boom no no.

no we we when you were 19 three years. ago yeah I mean you probably had one. year of okay real estate score I mean. it's pretty okay you just haven't. tackled that property taxes thing and. that's going to ding against the score a. little and give you a six out of 10. there actually a five out of 10 I would. want that that could be position to be a. bit ah no I'll be generous six out of 10. fix the fence though yes that's the next. thing the fence and we do floors that. saved you Hammer Financial score 1.5 out. of 10 guys make sure to join us for the.

Post show uh we'll bring in the. producers we're going to talk about. anything else that we missed any extra. drama in life that we can't talk about. on the main show anything that would get. us demonetized so all the good juicy. stuff or all the extra juicy stuff join. us for the Post show enjoy and Hammer. Elite if you guys want thousands of. hours of extra content including the. show where you can call in and talk to. us including a show of extra Financial. Audits and weekly live streams and a. bunch of other stuff we will see you in.

the post show he has an addiction an. actual addiction yeah how many different. ladies are you subscribing to couldn't. even tell you. maybe a month crazy I didn't know about. you didn't know how much hied from who. me you're hiding the O from her I would. go through his phone to watch the. financial audit post show click the join. button below.