Financial Audit’s Most Toxic Guest

What is this manipulation that we're. talking about? He took my credit cards. away from me. Why would you do that? Why. would you allow that? She just kept. hounding me and hounding me and hounding. me. Since I've gotten pregnant, I do use. that as a manipulation. I think every. weekend prepared to have a [ __ ] kid. I had no idea how bad this was. Download my budgeting app today and take. control of your money once and for all. And for a limited time only, sign up for. the annual version of Premium and get my. cookbook and notebook signed and mailed. directly to you. link in the description. and pin comment below.

Hi, I'm Jessica. I'm 25. Hi, I'm Brandon. and I'm 26 years old and we live in. Quinland, Texas. And this is Financial. Audit. I think he's autistic. He didn't look at. the camera while introducing himself. Thanks for coming in, guys. Okay. Well, everyone is these days. What What do we. Let's start with you. You're in front of. me. What do you do for a living in. Quinland? I don't think I've heard of. Quinland, personally. Um, I work from. home and it's What's your job? Oh, well,

is that your job? Working from home? Yes. No, I do accounting. Okay. For our. credit card department. Gotcha. Okay. Credit card department at essentially an. anonymous company. That works for me. Uh, okay. What What are you making? I. make uh $24.50 an hour and then we get a. yearly bonus. What's the yearly bonus? 5%. How many hours a week are you. working typically? Uh 40 to 45. Okay. Okay. So, what hits your account. on a weekly basis from your paycheck? We're married? Yes. Yes. Okay. What hits.

your account? Uh, bi-weekly we get paid. and I get about 30 or no, sorry, about. $1,600 every two weeks. Okay. What about. you, my man? What do you do? Um, essentially the same thing, same. company. Uh, same jobs and companies. working remote. Yes, we do. We do have. to. It's mostly remote. We do drive to. the office. Um I I go in on Fridays. She. goes in twice a week, Wednesdays and. Fridays. But as of right now, she's.

pregnant, you guys. Oh, yeah. Yeah. So, she's pregnant right now. So, she's uh. working from home. Okay. Possibly. Yeah, that makes sense. Okay. When's the baby? July. 15th. We'll see. So, okay. Good job. First one. Yes. How. long have we been married? A year and a. month. Okay. What's your pay? I'm sorry. Oh, 2350. Why are you paid less? Uh, well, honestly, she's been there longer. That's why. That's the only reason,

really. Fair enough. So, what hits the. account from your pay? Uh, about 15. Yeah. So, you said you were 16, right? Yes. Okay. So, you're about. 1,500. So, with that 3,000, so we're. talking like. $6,200 on a monthly basis. This is a. small town, right? Cuz I don't think. I've heard of it. Yeah. It's a pretty. small town. Nobody knows what Okay, so. there should be no issue yet. I mean, obviously lots of substantial issues. What's going on, guys? What is.

happening? Well, the baby I mean, if you. guys are living whatever kind of life to. get in this kind of debt, are you even. close to prepared to take care of the. cost of a kid? It's not a cheap. situation. Yeah, that's that's the main. reason why we're here. We really want to. get the help to So, what have we done? What's the problem that this is. pre-baby? This is everything's pre-baby. It's not here. Yeah, but I'm saying your. existence right now is pre-baby. Well, I. just made a lot of like bad decisions.

financially. She wears the pants. She. case she takes care of all the finances. So, I just kind of I go to work. Why. aren't you participating? Or why don't. you let him participate? What's the How. does it work? I do let him participate, right? Okay, then why aren't you. participating? Well, I He just gives. into me. You're about to be a dad. Yeah. Oh, okay. So, if it's if it's a he just. gives into me, does that mean she's the. up? She's manipulative. That's crazy.

Um, I will. Okay. Yeah. I mean, I can manipulate a. situation if I need to. I will. Yeah. Okay. We laugh about it and then. immediately admit that's true. That's. weird. Okay. That's shocking. What are. we talking about? Huh? That was. shocking. I didn't expect that. Why'd. you say that? Because well, like you. giggled about it. Was that an immediate. cope giggle or you around for an. instance? Just small instance. Like it's. not anything like crazy. But like the. other day, like she really wanted some. McDonald's and I was like, "No, like we.

don't need to go get it or whatever. We. don't need it. We've got plenty of food. here. We just went grocery shopping like. earlier in the week." And then like she. just kept hounding me and hounding me. and hounding me. And finally I gave in. and I went and got her some freaking. McDonald's. What are we prioritizing right now? I. mean a McDonald's order, right? That's. not make or break for our life. And I'm. sure you make well above the median. income. So obviously you guys should be. doing pretty well. What's the issue? Uh well, one of the.

things that really made our finances go. or give us get us in such a big hole was. the wedding. That was a year ago. Yeah. You can't. No. Noing way. Listen, I. don't know your finances. I ain't going. blind with the audience. I see a credit. one at the top. The credit a credit one. is the worst of the worst of the worst. No way. You're just in just mountains of. credit cards because of just the. wedding. No. No. It has to be more than. that. It's also Christmas. It's not just.

wedding. Wait, you don't have a [ __ ]. kid yet. There was at least $11,000. spent on the wedding. Oh, I thought you. were going to say a Christmas. No, but I. mean I'm sure there was like at least. three $3,000 probably spent on. Christmas. What is this manipulation. that we're talking about? I want to hear. more about that because it can't just be. a McDonald's. I'm not going to listen to. that. That sounds like an immediate. deflection, you It's just it's just like. she wants something. She'll want. something and then like if I tell her. no, like we shouldn't be doing that,

she'll just keep bringing it up, bringing it up and just keep hounding me. for it and then eventually I just give. in. like how often and like okay you. brought up the example of McDonald's but. like what's the like how often and like. how substantial like w with the. Christmas stuff like I didn't want to. like go all out for like Christmas or. anything and I didn't want to spend any. money at all as much as little as I. possibly could and then she was like. well we can't feel like or we can't be. pieces of so I'm going to put it all on. my credit cards and give everybody. gifts. I will say that also like since.

I've gotten pregnant like I use that. as. like I I do use that as a manipulation. I think like for acknowledging this then. why aren't you just stopping? I mean. like usually if someone's manipulating. it's one person saying they're. manipulating me and the other person's. saying no and you're like no yeah I'm. manipulating it. So what why the are we. continuing it? Well, be we just started. having conversations about Okay, tell me.

about your guys' conversations when it. comes to finances. What are we doing? So, he doesn't he doesn't do the bills. I do the budget for every single month. Every single time we get paid, he. doesn't touch it. He Well, why do you. think he suggested it's because you just. take control and then do whatever you. want. Is that what you suggested? That's. kind of what I heard. I I can't say 100% like she just does. whatever. So then why aren't you. participating? Because you're about to. have a kid. Are you not going to. participate in that? Absolutely. Okay.

So why aren't you participating in the. households of the finances of the kid, the house that the kid's going to live. in and grow up in? Now I now 5 days. before coming on. That's what always. happened. So I don't give a [ __ ] about. that. Let's talk Let's talk in the most. recent months. Right now is nothing. You. were coming on the show. You knew you. were coming on the show. You went. through the onboarding process. This is. a multi-week thing. I don't give a [ __ ]. about that time. That is nothing. That. is nothing. Since we've been together, I've always done the finances. I've. always done our budget and I've always I.

can't even really say budget because. somehow it not somehow we blow it out of. the water every single time. I want to. know why. Why just you? I feel like I'm. not getting an answer. He doesn't spend. money. Like just point blank period. Like if we're spending money, it's. mostly my idea. The main reason why she. takes care of the uh the main reason why. she takes care of the budget budget. honestly is I'm not really that like. I guess I'm not um what's the freaking. word savvy? No, it's not savvy. I'm just.

not calling you patient enough. I'm not. patient enough to do it. She's just. better with it. So, I let her do it. Okay. Again, let's talk about going into. fatherhood. You're not impatient enough. to look at numbers. What the you going. to deal with a toddler? Well, I gotta. work on that for sure. Yeah. Yeah. We set goals every single month. We just end up doing what we want. What. do you mean? How How is it How possibly. are we able to use the word we if you're.

the only one that looks at it? And. because I take the goals to him and I. say, "This is how much money we have. This is how much money that we can spend. on this." And then he says, "Okay, that. looks great. I'll pay whatever I pay. towards the bills." And then I we end up. spending more than what I've allotted. and then we [ __ ] ourselves. Then why don't you step in? If this is. what do you mean you try to walk me. through that? I am trying to get a. baseline here. I I need to know I need a. little peak inside of what this money.

relationship is like. You try to what. does I try to what and how does it go? So I do try to keep us from spending. more money than we need to. Again, just. a lot of the time when we go anytime we. go do something, if she just wants to if. she wants to do something like she wants. to add something to like the itinerary. or whatever, then like is is it really. just going and doing things? That's it. That's it. It just comes down to that. It's like we're on a trip or something. It's just doing thing. What is the. itinerary? Like we're going to Target. then all of a sudden McDonald's gets.

added. Is that what we're talking about? Are we talking we're going to Disney and. now we're going to add a new park? What. is this we're adding to the itinerary? because that's vague. Well, I mean, being on the same being on the same. uh like account, it's kind of hard to. manage like who's spending what, I. guess. What is adding to the itinerary? Oh, well, like like if our friends call. and they're like, "Hey, we want to go. out to dinner or we want to go see a. movie or we want to go bowling." he will.

be perfectly fine with just like sitting. at home and I'm have FOMO and I don't. want to not participate. So, we go. Is. that adding things to the itinerary? You. said when you were out and about. Well, I mean, yeah, that's just like I guess. that's part of it. Yes. But like that. that right there honestly is is most of. it I feel like because I Well, almost. every weekend. Yeah, at least every. weekend you're prepared to have a. [ __ ] kid. and financially. I mean, no way for.

coming on this show. Please tell me, please tell me some of. this is aing mortgage cuz we are six. figures in debt. It's all bad debt. Yeah. Oh my We're about to go through a. thousand documents. Oh, for sake. We're. going to be here for an eternity. What. is this? 1 2 3 4 5 6 7 8 9 10 11 12 13. 14 15 16 17 18 19 20 20 bad debts. Not a. singleing mortgage over six figures.

What the are we. doing? No way. What you guys are talking. about No way you guys are talking about. is even close is even close to. insinuating how bad this actually is. I. had no idea how bad this was. With. everything you said so far, I was. expecting to look at the sheet that. gives like aing recap of what all your. debts are. I was expecting to see. $20,000. What the have we done? Well, how old are we? We're mid20s.

What have you done? Well, and no, how. much was the wedding before you. answered? You said like. 15,000,00,000. How are we over six. figures? That'd be 10% of this. What the. has happened? have a kid coming. Yeah. Right. Oh, yeah. We Okay. So, we do have. a mortgage, though. Yeah. That's two of. those. Two of those. That's two of those. are two of those loans are for our. mortgage. How much? I think one is. like 11,000 and I think the other 10%.

then and then the other one is. like 20. No. So, it'd be 20%. So, still. 70% of it is all you bad debt basically. Yes. Oh my. And both of our cars. Well, in a that is bad debt. Probably. depreciating asset. I don't give a. Listen, you're probably in a situation. where you live in a low cost of living. area where you make maybe double the. median household income and you've gone. to this extent. Yes. Why? Just bored.

working from home all day. You're just. Can I have the whiteboard? Can I have. the whiteboard? I I want to see you guys. do something. You're going to. collaborate on this. Okay, you're a kid. is coming. I need you to write out each. category of what this kid is going to. cost in aing just what you going to. spend on a monthly basis. Number next to. it, the category what you think it's. going to cost and talk talk don't. dominate. Bring them in. Okay. Bring.

them in. So, so you got diapers, you got. I don't know. I mean, plan on. breastfeeding. So, don't really have to. worry about formula. We don't have to. worry about formula, but there's like. breast bags and um like containers and. stuff for like the breast milk in the. fridge. So, okay. I would say. feeding probably like $100 a month if. the breastfeeding works out though. Yeah, cuz I guess that didn't work out. and then we have to pay for formula.

which that would be a way higher number. Um and then like clothing and diapers. Diapers. Yeah, diapers. Y piece. Uh, probably. like I would say. I mean how much is a box of diapers? I. don't I don't know. Maybe you should. know about to be dad. Yeah, I know. It's. like it depends on the size, but I would. say about 50 bucks for a box of diapers. So. 50 bucks I'll say. And then.

this is going to sound bad. I don't. think that there's much more than this. You guys are not even close to because. Oh my, you guys are so We don't pay for. any. We're not We haven't had to pay for. anything for him. Who? Who? Him? The kid. him? Our son. Yeah, but you're about to. You haven'ting looked things up? No, we. join a parent organization. We have. But what I'm saying is is like. these things are going to are already. covered.

Elaborate. Okay. Like he has like six. sets of grandparents. So like we've. literally not purchased barely anything. for him on our own. It's No, I mean you're talking about all. the fresh stuff coming. I'm just talking. about a monthly living monthly. Yeah. Oh, okay. Yeah, but I I mean honestly I. I really don't fully know what else. Clothing. I guess he's going to grow out. of clothes quicker cuz he's little. diapers, wipes, formula if necessary.

Okay, so we're thinking, okay, let's. start writing it down. Clothing, I would. say probably like. I would say like another $50 a month, maybe because he's little, so it's not. going to be like they're not super. expensive. Yeah. And. then feeding, diapers, clothing. That's all I could come up with, babe. Honestly. Oh, doctor's visits. Yeah, doctor's. visits. Absolutely crazy. Yeah, doctor's. visits. Doctor's appointments. Okay. Probably I would say like $100 a month.

at the least. It's probably way more. than that actually. It's a freaking. doctor. Okay. So, it's expensive. You. guys not know what it costs? Well, I. know that every time she goes for like. her checkups right now, it's like 60. bucks a pop every time she goes. Unfortunately, she has to go like every. two weeks or three weeks. So, it's like. it's at Are you guys prepared for the. cost of the birth? No. Not at all. No. No. Well, I don't know if we're what. we're even going to have to pay because.

I had to have a surgery for this. pregnancy. That was pretty expensive. already. Yes. How much? $4,000. Okay. I mean, it's kind of a walk in the. park compared to a lot of medical costs. when it comes to this kind of. And but I'm saying like I'm pretty sure. I've already met my deductible for the. year. Well, is it is there a a better. split or a like a better split after the. deductible or you fully out? Like it's there's no out-of- pocket cost.

after I a single scent for you. Okay. With your insurance. Okay. Yeah. Usually. with a C-section after insurance. typically looking. 3,214 or just OG classic flaps going in. the wind, baby flies out 2,655. after. Insurance typically after. insurance typically. So what do we got? Is that your total what it costs to. raise your kid on a monthly basis? On a. monthly basis. Yes. How much? What are. we talking? What are we talking? Uh is. looking like 300 bucks. $350. By the.

way, how much you guys spend? Uh just. like just you know around. Well, on a. monthly basis going out to eat just. random miscellaneous bull things don't. matter. Just full bull. BS BS spending. Oh too too much. I can tell you that. right now. That's not a number. Um, monthly I would probably say at. least $1,000. Probably Okay. $1,000.

Yeah. And by the way, USDA says. $22,535 is the average yearly cost for a. newborn kid. That breaks out to,877 on a. monthly basis. So, good luck with that. But also, by the way, spent. $1,652 on bull this last month. You're only getting worse into debt. Yeah, we know how much comes in. What. was your total. spending? What was your total spending? We know how much comes in. Success 200. What was your total spending? Kid on the.

way preparing, doing better. He's. incorporated now into the financial. talks, right? What do we spend? Come on, big guy. You're so informed. You're in. the conversations now, right? Yeah. Well, if I'm not mistaken on for that. month, it was. at least I want to say 1,500. No, like for the whole month. Oh, for. the. whole talking about what the are we. doing? For all of our expenses, I think. I think it was including debt. I think.

it was close to like easily like seven. grand. Okay. Probably 77 7,000. Yeah. 8,000. So, like, okay, 6,200 comes in. We have a baby coming on the way. We. don't know if there's any more expenses. coming to the hospital. Good luck with. 49 a monthly basis. Let's spend. $1,800 more than we make. Sounds like. irresponsible if you're parents to me. It does. But so, what the [ __ ] are we. doing, guys? You're the one that. dominates this. So, you should know. this. You should know the number. You're. participating in the conversation. You. should know it. You should know the.

number. What are we doing? Obviously, not doing good enough, that's for sure. Okay, that's bull. Come on. What are you. doing? You're going in there. You're not. putting in the actions. Even though you. say you guys participate in the. financial conversation. Where's the. participating in the financial. conversation? Okay. What happened? Blows your mind, right? She's shocked. Shocked to. tears. What? What's going on? What's. going through your head?

It was just like a lot more. money than I thought. Thought. But. you're the one going through it. That's. what he said. That's what you said. How could you be so wrong? I When I write out our bills every. month, like I don't even know how we. could even spend that much money if we.

don't have it. Debt. debt, credit cards, and how don't you know? Cuz I. participate in this now. I'm in the. conversations. That's what I had. So, I. know that, you know, she has multiple. credit cards and I those I can't see. anything that happens on those. So, with. that stuff, I don't know what she spends. on that. Wait, what the Wait, how? No, no, no. We. we we're not having a household.

financial conversation if there's like. documents that he can't see. I don't see. his credit card statements either. What? So we're not having a household what the. are we doing? So we're not having a. household financial conversation. We. don't know what's actually happening. That is so different. So you only look. at the joint account. That means. nothing. That tells you a third of the. picture. How can we possibly know what's. actually happening if we don't know what. the [ __ ] is actually happening? This. doesn't make any sense. If we can't see. 2/3. If we can't see 2/3, how the [ __ ]. are we guessing what the full pie is? He.

doesn't on his credit cards, though. So, it's just you. Yeah. Then no wonder we. don't know how much is being spent, right? Yeah. I mean, I don't know. We There's a. lot of credit cards on there, though, that we don't use. Like, we use them. Doesn't matter as long as you still use. some. It's not a game where one credit card. not used plus one credit card used.

equals no credit cards used, right? That's not how this works. Listen, I don't know how we're going to. survive when just the [ __ ] spending. alone is like what the average cost for. raising a kid on a yearly basis for a. newborn is. And yet we're still even. with that spending $1,800 more than we. bring in. How are we ever going to make. progress? How are you ever going to be. able to retire without putting your. kids' life on hold? Are you ever going. to be able to pay for their college, trade school, whatever you want to do? Sports activities, good luck, vacation, take the kids to Disney? Nuh-uh. Not.

going to happen. Are you going to take. him to McDonald's at this rate? Your. credit cards will become maxed out and. there's nothing. You guys aren't this kid's coming. regardless. Yeah, he's definitely. coming. This is coming. He came, then. they come. That's how this works. And. now there's nothing we can do. And we. are beyond illprepared. And not only. that, but we talk. We talk. He's. incorporated into it. And yet, we're. still in the situation that we don't. even know about, and it's only getting. worse. Look, private student loans can. make it feel like you're one missed.

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refi. They're here to help you actually. crush these loans without selling your. kidneys on the black market. Go to. yfy.com/hammer. That's. yrefi.com/hammer. Or call 8 yrefi-78. That's 8. yrefi-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 you're. 90 is not the retirement plan you. dreamed of. Well, so what I've done.

though to kind of help and what what I'm. trying to do now is I've started. working. So my my dad and my uncle both. own their own uh mechanic shops and so I. go and I do help them to try in an. income situation. You guys make well. more than the area you're in. It's not. about that. You could go make $7,000 a. month and yet you still spent $1,000. more than that. It this is all spending. This is behavior. This is your you. spending was so. stupid. Listen you guys, before you.

leave this studio, you're downloading my. budgeting app. Download it. Link in the. description else for everyone. But. download it. I'll give you the cookbook. so that you guys can cook. Again, the. annual people out there get that. So, it's like we're giving you all the. resources, but you get them for free. You're going to take that. You're going. to go through our budgeting course, our. investing course, all the stuff. You. need the budgeting and debt courses. first. You guys go through all those. hours and hours of the best content. there is, best education, take the. quizzes, do everything, okay? You have.

to, you need to be on this. People have. tens of thousands of people have done. that. Tens of thousands of people, a. thousand people a day take the the app, okay? Thousands of people a day download. it. You guys can change your life like. they are. You guys have that choice. Right now, you're not right now. What. you're coming in with is borderline. disgusting. Yeah. to be clear with a kid. on the way. Disgusting. Join them. Change your life. But it's only your choice. I can't do.

anything. I can give you the resources. I can't hold your hand. In fact, studies. show that when people pay for it, like. when people sign up for the budget, sign. up for premium all stuff, they're more. likely to use it and change their life. than people who get it for free because. they put the investment into it. So, they want to get more out of. it. You guys have that choice. All. right. I'm going to go 3 2 1 go. cuz I. got to start getting into these cuz. we're going to be here for thousand. years on go. So 3 2 1 go. You're going. to give me your household financial. score together where you think you guys.

are. 0 to 10. Zero being the worst. 10. being the best. Okay. Same time. 3 2 1. one. Okay. So we know we're. That's good. At least we're on the same. page as that. So you guys want your. Hammer financial score? It's free. Take. the assessment. See where you stand. Go. to calebhammer.com or click the link in. the description below. Uh it's pretty. fun. It's pretty quick and you'll see. exactly where you stand in the world of. money. Credit one. You want to know.

where you stand in the world of credit. or money? If you have credit card one, you're essentially what that equals. So. what's going on with this card? That's. my card. Okay. So, it's the card that is. probably spending then if it's not yours. from what I hear about it so far. It's. mine. Why do you spend on a credit card. that is basically the worst credit card. of all time? I have them all. So, he. took my credit cards away from me and. put them up and when Do you not realize.

just how insane that is that he had to. do. that? Do you not realize how insane that. is that he had to take your credit cards. away and hide them? Right. But Easter. for credit cards. He if not like we. decided that we were going to pay them. all off. So we just put every credit. card that we had away. So that's why. this one's maxed out in your Door. Dashing Taco Casa. Yeah. But it didn't last for very long.

that he had them all. Oh, for sake. Why? Tell me. Oh no. What? Possibly. We paid. them all down, majority of them. And. then when? Before Christmas. Huh? And. then I got them all back for Christmas. Why? Why would you do that? Why would. you allow that? There wasn't really a. conversation. You gave a crap out of. There wasn't really a conversation about. it. He I just like slowly. I knew where they were. Why didn't we. like chop them up or destroy them? Why.

do we still keep them? What was the. intent of keeping them? They're not. collectibles. I couldn't tell you what. Well, trying to tell me something. I. would like an answer. I I should have. cut them up, honestly. Why didn't we and. I I couldn't. Come on. There was a. reason we didn't deep inside. I feel. like I at some point they might be. needed. Why again? Why? Because we. You're We're not there yet, but we have. two other credit cards that are his. credit cards that are completely maxed. out that are like huge limits and. smaller ones I feel like would be there.

for an emergency. I just haven't been. using them for emergencies. I use them. out of convenience. You guys make way. too much money for this to be an issue. in your. area. Sake, what are we doing? Okay, so. you unlocked it. Christmas unlocks. credit card. So we're getting Door Dash. Kasafoodo or whatever. Yes, that's not. me. That is not So what the are we. doing? This isn't Christmas. No, it's. not Christmas. But I was having a daily. Christmas on Door Dash. I was hungry. I.

wasn't home. And that was the first card. I pulled out of my fanny pack. Where. were you? I I was at my friend's house, I believe. Why don't you get a snack. from your friend's [ __ ] pantry? Because she like eats weird. I don't eat. what she wants to eat. What the are you. talking about? What does she have? Roaches. Like, what are you talking. about? She's just like She's like a. salmon and like You could use some. salmon. No, I can't have it actually cuz. I'm pregnant and it's got a lot of. mercury in it. So, I can't Well, don't. have salmon then. Yeah, I think she had.

more than salmon probably. And I. probably just really wanted it and I got. it because there is there it is the real. answer. By the way, we wanted kasa food. kasa. Yes. Masa food. It's very good and. I really love it. And it's not in my. town. So when I go out of to that town, I always get takasa. Make yourself a. white girl taco. You'll be fine. It's. simple, easy, little taco seasoning. Cheap meal. That's what I had growing up. cuz we didn't have money. White people. tacos. It's pleasant, too. I've had it.

before. Good. Then do that instead of. kaso. mifutoo. Whatever the what is it? Taco. casa. You've never had it. The is the. taco casa. You need to have white taco. casa. It's that's literally basically. it's just white tacos. That's all it is. So what the are you even getting? I get. a chilada. It's the convenience for her. It's the convenience. Convenience of. waiting for Door Dash anyway. You. spending 30 bucks on that and then you. have Amazon music. Yeah, that's cuz we. have an Alexa and it works with all the.

other streaming services either way. I didn't know that. I felt like I. thought I had to have Amazon Music for. it to work with the Alexa that we. had cuz that's what it would play on. [Music]. So tell me, we spent it down, right? We. paid it down, right, guys? Yes, we paid. it down. So, why the is it all the way. up? Was it all Taco Casa? I'm sure a lot.

of it is Taco Casa, but I do know that I. spent a a lot of money on the credit. cards cuz we literally had no money. They said you spent $500 on clothes and. also the car breaking down and then also. massages. massages. Yeah, this is just from February. when you're in Colorado, I guess. Yeah. Yeah. Okay. Yeah, we took a trip to. Colorado and but I affirmed the $500 for. a close. That's not on that credit card.

But I did use that credit card while we. were on vacation, but that was in 2023. So that was already paid off. We paid that down and then I built it. back up for what? Cuz it's at the b it's. at aing balance. of,114. I don't $35 from being maxed. out, by the way. $35 from being maxed. out. He shakes his head. No. I mean, what do you have? No say I'm shaking. You can't Are you not able to have a. conversation with your wife and be like, "Maybe we can't do this." And if you do,

is she the right wife? Well, she better. be. There's a kid coming on the way. So, what the like, what are we doing? No, I. I was just shaking my head cuz I was. just like like in disgust that it's so. high. Yeah, you're He does not see my. credit card balances. Why? He's not on. there. Yeah, but why don't you guys go. over statements or again have a joint. account on like the budgeting app? We we. have a joint banking account and a joint. savings account, but we just don't like. he has his separate credit cards. I have. my separate credit cards. And why don't. we come together though, guys? I'm. trying to figure that out on a monthly.

basis. Why don't we come together and. talk about what our accounts are doing? Why don't we see what the hell is. spending on spending? You know, where. the money's going. I just don't I truly. just don't think I have the discipline. Like I just wasn't doing I would. literally sit down and I would be like. we have this much money in credit card. debt because we like we keep spending on. credit cards and then we you me and. then okay he's like a willing. participant. Can I just say that like. it's Well then tell me cuz I need to.

know. I'm not like holding him hostage. with like a gun to his head. and tell me. how this participant is willing because. I can I like on this card for example in. July we went to. um there's like a lake that by where we. live and we got cheap then it was like. $300 for a three night stay you whying. commute there on a daily basis if it's. near where you live what the are you. doing we ended up getting a a cabin. there for like the whole family was.

staying out there so we all stayed out. there he knew that I was spending money. on it. So, like he it's not like I spend. money and hide it and then don't tell. him. Like he knows that it happens. So, and also like I'm pretty sure there's. another credit one that she has that she. didn't send. I'm pretty sure she didn't. send it. What? Yeah, there's I already. have a thousand trillion to go through. Yeah, there's a there's two credit one. cards. It's another crediting one. Yes. Oh, is it on your phone? Yes. Oh, can I. see it? I know you like free things and.

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fee of $39 that just keeps happening? Then you're going to get your monthly. fees and [ __ ] Interesting. Yeah. $75 this year so far. Uh basically 30%. interest. I should have if I just had no. morals, man. Should have just been a. credit card company. I should have just. [ __ ] made the worst predatory credit. cards and send them to people's houses. cuz baby works. thating works. People don't give a [ __ ]. Like, oh, I nutted in you. You're about. to create an expensive living thing that.

I need to take care of. I better go max. out on my [ __ ] worst credit cards. ever created in the history of the. world. Yeah. Did we even. plan? Did was this a plan? Gosh, the. baby. Yeah, we did try for him. Yes. No preparation at all. Honestly, not. really. No. What about the kids life in. your house? I grew up in a house where. it was a struggle after struggle after. struggle financially for the longest.

time. It wasn't bad in terms of like a. bad place to live or anything like that. My parents went into debt to get us like. to show the to put on a show of a good. lifestyle, but man, I saw them stress. and it is not the place you want to put. them there. It was not the place you. want to put the kid. But uh yeah, that's. exactly why um I I honestly I didn't. know that she was going to sign up or to. try to come here and I'm honestly glad. that she did. Really? Um I didn't Yeah,

I didn't know. She told me like Did you. know about the show? No. Yeah, I I. didn't know about it. She started. watching it and then um she I can't. remember if she signed up and then told. me or if she told me that she was going. to sign up for it and then did it. But. I'm I'm really glad because I do we. really want the help because we want to. be able to give our man and I can build. a budget and give you know budgeting. advice and connect you with resources. but man you again you guys said you've. been fixing things but look what you're. coming into again it's $1,800 over. Okay. so.

$769.93 on this. Why didn't we have a. statement for this with the $39 minimum. to payment? I think I saved it. I just. didn't like I left it out when I sent it. on accident. Okay, so most re recent statement. Let. me see. this. Luckily, no purchases, but again, it's not that far from the limit and. there's endless fees and interests. acrewing and it's brutal, man. Just the. same amount of interest and fees this. year so far essentially as the other. one. So, you're just doubling up. How.

long does just How long does this one of. $769 take to pay off? Just minimum. payments only, which is all you're doing. by the way. I think it's four years. Three, but still. Yes. for just 700. bucks. And it's not like it's an. insignificant amount of. money, but it's ridiculous. Yeah, it's. ridiculous how long that can that how. long that takes. Why'd you even open. this? How like what's the history of. that card? I them when. like I the thing I struggle with most I.

think is like missing out on something. or like people thinking that I don't. have money and then I've Well, you. probably right. Don't based on your. guys' life. We went on a Gulf Shores. We. went to Gulf Shores last July. What? Like Alabama? Yes. By choice on purpose? So there we went. for Fourth of July weekend. Okay. So we opened credit one to do.

that. Well, it was already open then, but I wasn't use I I didn't really use. it until we went on that trip and then I. just Did you put the whole trip on the. card? Well, my parents paid for our stay. then. What the We thought. So, what. happened? But like we rented a boat and. then Oh, and that went on the card. Yeah. Oh, for sake. So, parents paid for. the stay yet we decided to. just What are we trying to do? What are. we trying to do?

I just want us to be able. to be. like in a good place for our son. Yeah, but are we willing to cut back? Cuz. every every demonstrable fact of your. spending would say no. You say the words. yes. I appreciate that, but everything. says no. I want to. I definitely am. So, what are you going to do if your wife. doesn't?

Well, for starters, I'm definitely going. to take those cards and then we. definitely need to look what happened. last time. We need to cut them up. Listen, okay, you taking them that. doesn't change your behavior is my. issue. She'll just displace it somewhere. else. Checking account, open up a new. credit card, and start taking out hidden. little loans. like like this is what happens. She'll. start paying for everything or something. like I don't know taking the credit. card. Yes, you shouldn't have credit. cards. You're not a credit card person. I'll let you use the Fizz card cuz it. only lets you spend what's in your.

checking account. So, it works like a. debit card. I'll allow that one. But. other than. that, yeah, you shouldn't have a credit. card, but that doesn't fix the behavior. Well, I'm hoping that after after today. that she'll she'll have a different. outlook on it and she will. I'm usually. not this big of a tit. So, tit like I. usually don't cry like this all the. time. I don't know if it's cuz of what? So far, so far you're the problem now. I. know, but I can't change it now. Like, it I've.

done it. Yes, you can. And but I'm. saying I can't change what I've already. done. What you've already done? Yes. But. this is what you This is what you did. like walking into the studio. Yeah. Like, this is the most recent stuff. I'm. not going to go freak the golf shore. thing. Fine. It's good to know some. context, but I'm not going to dig into. you and go crazy about that cuz that was. a little bit ago, right? Yeah, but. literally what you just did probably on. the way. She told me she's getting. McDonald's on the way home. We already. talked about this. Yeah. Like fellow. fats bonded. Luckily, she's pregnant. I.

can't use that. excuse. Like, oh, I want McDouble. But. either way, good. But either way, I can. afford it, right? Caloric wise, probably. not. But I can afford it. monetarily. And you're just going to go. get the No, you're not changing. Sounds like we're not getting McDonald's. on the way home. Yeah, says you. All. right, Bank of America next. What's up. with this? Uh, those are mine. Um, the Bank of America card we So, it.

was in 2023. We took out personal loans. to pay down our credit card. Oh, so. we've done Oh, so we've done this. multiple times. Yeah. Oh, yeah. But you also paid off your. cards right before Christmas and then. built them all the way back up. I'm. counting that as twice. Yeah. So, what. the guys? And so, we had them paid down. Then we started planning the wedding and. ended up using that using those cards.

for the wedding, like stuff that we. needed for the wedding. And that's how. they got racked back up. Buddy, it's. less than $30 away from being maxed out. to. $5,000. Thousand. Five. How long does. this take to pay off? Can someone tell. me? No clue. Well, I'll tell you. Your. kid will be in college. So, what? Like, yeah, 20 years. 20 years. your kid will be in. college until you've paid off a card for.

the wedding. Come on. In no way, it's. only for the wedding that happened last. summer or whatever. I No, because no way. it would be if you're making minimum. payments on time and everything would it. be less than $30 from the max. Mathematically, we would not be there. So, what the is going on with this card, guys? Because you didn't purchase. This. was $1,800 and then the alterations on. top of it when I ordered the dress were. $200. So, that was $2,000, right? Yeah,

but that was But by the wedding, if you. were not spending on this and you were. making minimum payments since the. wedding, this would be a little further. down than it is now. You would not. basically be at the max. And also, I. think we might have used that card, too, because we you What do you mean use? Use. the card on what? We purchased on the card because I think. something in our house broke. I don't. remember what it was. And it was like we. used it at Home Depot. Oh, no, no, no. One of on one of those cards we did use. to um kind of redo the office area cuz.

it was like the floor was really bad. You have credit cards and you're redoing. a office. I don't care about the office. His idea. That was my idea. Let's keep. that in mind. That was his idea. He. competition for being a but okay. I got. you. How much? I think that one was I think. at that purchase was like 500. What? What did you do to it? Oh, we did. I put carpet down. Uh we repainted.

So you did all the labor? Yes. Go ahead. You Well, me and my dad and her help. Yeah, her dad. No, my dad just helped. Um, but that I mean that's a that's a. Yeah, she helped and then her brother. helped as well. How much is your wedding dress? I don't. even know what it costs. What did you. spend on that? I spent $1,800 on it. Okay. I don't know if that's an. alteration. I think it was What was the. alteration? I'm so hell. So, stop. Yeah,

Iinging wish I was taller. Um, but I'm. so short, so I had to pay when I ordered. the dress for them to cut the dress to. length for my height. How tall are you? 411. Okay. The same with our head video. editor, Ma. We'll put a picture of him on screen. He's micro dick height. What the [ __ ]. $146 a month on this. card. Brutal. I mean, you opened it in. 2019, it looks like. This is insane.

It's not going to be paid off for 20. years. Only making the minimum payments. $97.30 of interest. acrewed. One. month, guys, I've had aing late fee this. year so far. Yes. What? Um, what? So, with that late fee, and it is truly my fault. Um, so for. some I can't figure out like a way like. I can't haven't figured out how to like. get it to like automatically come out. Call them. Okay. Well, I didn't. What?

Can you not figure out that solution? I. should have. I Yeah. What the How are. How are you operating in society if you. don't know how to make a phone call to a. bank? Okay. Well, the story is that this is. the You want half the DNA of the kid to. be someone who doesn't know how to make. a phone call? Yeah, it's already done. Okay. So, what happened was what happened is.

you couldn't make a phone call, but go. ahead. I typically pay them on time. They I usually don't ever miss, but um I believe So, typically I pay. both the credit cards at the same time. Uh-huh. The first one. No, you didn't. They They come out different days. So, the first one I paid it, we didn't have. enough money to pay the second. Over. complicate this. Why over You didn't. have enough money in the checking. account? Why? probably because we spend. $1,800 more than we get on a weekly. basis because we don't care about. anything. We were running low and so I.

didn't have enough money to pay it when. I paid the other one. And then. truthfully, I I completely forgot about. it until I saw that it went auto. pay. Phone call ring ring. Hey, bank me. I'm stupid. Please do it for me cuz I'm. a little. baby. That's what we do as adults when. we can't manage things. We at least use. the systems in place. What? Yes. Okay. Okay.

I don't think we've ever missed a. payment before that payment though. Doesn't matter. You missed a payment. That's all that matters. You missed a. [ __ ] payment. And I honestly don't. even believe that. That we've never. missed a payment before. Yeah. I don't. even believe that. I really don't. I. know on his credit cards, he's never. missed a payment. I'm pretty sure I've. missed a couple payments on my credit. cards. But that what that counts. Does. that that count? Okay. But him what? No, it was just she said we never missed. payment and then she said that she.

missed the payment. I agree. What the. Yeah. Well, I have a Victoria Secret. credit card and they never So that means. we don't pay. No, they never sent it to. me in the mail and I they wouldn't You. rely on the mail. It's 1,800. We're. paying our credit cards via mail. They. never sent me the card or the. information. Like I don't I didn't even. have an account number. You get an. email. Usually I didn't they didn't send. you. You can also do that thing where. you call. Well, eventually they called. me after I missed. Why'd you wait for. that like a child? I just didn't think.

about it after I got it. Then you don't. get it. Yeah. $350 in interest on this. card alone this. year. All right. More Bank of America. What's going on with this card? I see. purchases. purchases on a card that is basically. maxed out that takes 18 years to pay off. that interest is acrewing that we. certainly can't pay off right now. Purchases what's going on. Um I believe that one like I said one of.

them was primarily wedding. The other. one dude I don't give a there's. purchases on it. What the [ __ ] is. happening? Like you used it recent. wedding. The wedding happened. The. wedding's a long time ago. I don't give. a basically maxed out. You know what? So. that card does have a lot of money on. it. It had already did, but for some. reason when he was going to Walmart with. our debit card, his debit card wasn't. reading like it kept like denying the. card and then he would have to use the. credit card because it. $1,467.88 with a minimum payment of $17.

No, I'm saying that's why there's. purchases on it. Now, those two cards. like are off limits. We don't touch them. unless it was Family Dollar. Okay. Well, then I don't see I always know for a. fact they don't know what they're. talking about. else you wouldn't be in. this. situation like when the use is it cuz I. didn't use it at Family Dollar. I don't. remember I lost that card for like a. year. Let's talk about a tool that pulls. Thanos snap on your bloated software.

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then cuz I have not used it. I'm pretty. sure you used it for for cuz you came. home complaining about how you had to. use that credit card because All right. I I I remember that. I remember that. happening. So, what the do you mean that. you don't know? I'm so confused. Like I. do remember having to use it because my. credit or my debit card didn't work. But. I'd never just like especially recently. That was like months ago that that. happened. I don't I haven't used it. I. haven't used it. recently. So, I don't know. I don't have.

access to that credit card for me to say. that I used that credit card. You have. your credit cards. So, you had to have. used it. I don't know if it was an. autodraft purchase that you have on. there. I don't know. But I can tell you. fact. Oh, okay. Well, I don't know. But. it was you that used the card. So, I. don't know what it was made for. What. the purchase was made for. Yeah. I. couldn't tell you, honestly. I did have possession of this card while. and that's why the limit is so high. But.

the recent purchase he did make. I just. don't know what for. What a mess. Yes. What the are we doing? I. just blacked out with I couldn't even. tell you what was spent on that card or. why. truly dollar store. No, I'm saying like. for the limit to be that. high. I couldn't tell you what what was. used what it was used for. Guys, are. youing kidding me? Are.

youing kidding. me? There's a late fee on this one this. year so far as well. Are. youing kidding. me? They're Oh my. Were they both late? Yes. I don't know when, but it was this. year. It should have only been I only I.

know should have been one would have. been isn't you. I thought it was only one of them that. was late. You thought wrong. I took I thought I took my kid out of. the steaming hot car. Is that what's. going to happen? I thought so. It's. okay. What is going on? Who's. responsible for this [ __ ]. this? This lack of. knowing? Obviously both of.

us. Okay. Well, I might not. Okay, guys. I. just I don't. know. Capital One. That's mine.

How do you guys. how how can you guys have conversations. if you guys are never away from each. other? If you guys work the same job, go. into the same office, need to have these. conversations, about to have a kid with. each other. How are you guys even able. to have these conversations without. going at each other's throats? We just don't. It's like space is. necessary. You just don't like we maybe. actually need to. We don't like have. like we we do disagree about money but. we don't like what's the disagreement? We don't like fight fight about it or.

anything. What's a disagreement? Like. but you don't resolve either. I mean it is like Yeah, we we do we do. disagree about it. Like whenever we do. uh whenever she wants to get something. or if I want to get something, she will. say something or I'll say something. But. typically, honestly, one of us gives in. to the other and then it still gets. done. So it's and in in the wrong just a. repeating cycle of stupidity.

We're okay with this. No, we need to. fix. So why no resolve? Why no actually. trying to talk? We disagree a lot on. like buying. gifts on on buying. What about like he. doesn't like he knows that we don't have. the money to do it and I'll like feel. bad for not purchasing a gift for. someone and then I'll do it anyways. Oh, come on. You can't just do things. unilaterally. Wow. Okay. Thought that. word. You can't just do things on your. own. This is a group. This is a team.

effort. He'll like he'll It's selfish of you to. do that. Even if it's a gift for others, if you're doing it without consideration. of the household, the husband, the kid, it's selfish. I just feel bad if I don't like get. someone a gift on their birthday and. they're going to feel bad for your kid. and husband. Give them a pat on the back, a back. scratch. Everyone loves a back scratch. Give them a back. scratch. Okay, I'm going to put you guys.

through couple therapy sound three free. sessions for all the guests and I think. audience members as well. And I'll also. gift you aing certification to course. careers if one of you wants to change. your career field so you don't have to. be like on each other so you can. actually have appropriate conversations. cuz a little space is. healthy. Okay. Well, when it so. like I don't really like the way I see.

the gift giving thing like especially. like for birthdays I truly think that. like I don't even care to get gifts for. birthdays. I don't Sure. It's not your. love language. Sure. Yeah. So that and. and that's the biggest thing with that. Like I I don't care and I won't like I. won't buy the stuff and I try to tell. her not to but she'll still do it. because she feels like she needs to. Well, like it's hard like especially. during Christmas like we'll have like a. conversation with the family and be like.

we're not going to buy gifts this year. Like we can't. And then they'll like. we'll go over like okay I mean okay I. get it. I buy us gifts and then I'm like. well we look like pieces of if we come. in empty-handed and everybody else has. bought us a gift and spent money on us. But that's the thing like they're our. family and they know that like like. obviously our family knows what kind of. position we're in. We we we're open. about it. So if we tell them like look. we can't afford to do this and like we.

shouldn't be doing this It's your family. that does it the worst. That's besides. the point. We still need to stick to our. guns when we say we're not going to buy. Christmas gifts and then not freaking do. it instead of, oh, they got us gifts, so. we have to put it on a credit card to. get it. Like, we need to stop doing. that. I just feel like they should stop doing. it. Like, they should stop. If we're. saying it, then they need to be. respectful of the fact that and not get. us gifts as well. But that's hard for me. because it makes I feel like it makes us.

look bad that we're not like I don't. want us to like look like we're like. mooching off of other people or like. mooching off of It's not mooching if. they're giving you gifts. It's not like. you're asking for the gifts like hey I. want this this and this $1,000 worth of. and. then we now we got to buy you stuff in. return because you got us gifts. No. like they give us stuff because they. want to give us stuff. And if we talk to. them and be like, "Hey, like we can't. afford to do this this year." I feel.

like that it'll be okay for us to skip a. year of of gift giving on Christmas to. help ourselves financially. The only way that I can fix it is to not. do it anymore. But it's that's like the. hardest thing for me because I hate to. make people I hate to feel that way. Like it makes me feel What about his. feelings? Yeah, we're getting put in a hole. because of. it. And then I have to go work at the. shop that I hate working at so that I.

can make extra money to put food on the. table. Yeah, cuz I'm okay at working on cars, but I. don't like doing that. That's why I work. behind a computer. But I also work. overtime when I can. I understand that. to make up like to make extra money, too. So, but that doesn't make it okay. to spend a ton of money that we don't. have for Christmas. Yeah, I don't think you're wrong. I just. It's like a mental like it's like a.

brain thing for me. It's hard to not. want to give when people are giving to. you. Okay. Oh, guys. Okay. Capital One. Quicksilver one. That one's. $239.34. Have we looked at one of his? The two bank of the bank. Oh, you're the. late payments. You're the spender. Okay. What a match. $25 a month. $5 of. spending. Yeah. $6 of interest. At least. the payment was on time. She stopped at.

Sonic. She got her little blast. Little. Sonic blast. Yeah. Pro. Or it was. probably a cherry. limeade if I had to guess what it was. And that is more important than our. kids' future. A cherry limeade for $5. Cherry limeade for $5. What? For a cherry limeade? $5. $5 is. not an insignificant spend for a.

limeade. Limeade. Okay. Well, you said. blast and that's evening less expensive. I don't know what people get at Sonic. I. was just talking off the I don't go. there cuz I'm not a disgusting freak. Sonic is disgust. Go to a Sonic and it. smells like death. We had Sonic in our. Doug Dug stream for our elite members. and it there's nothing that has smelled. worse in this world than Sonic. I don't. go to Sonic and I'm fat and I don't go. to Sonic. So, I don't know what people. get from Sonic. I don't care. $5 for a.

limeade. Route 44s are expensive, dude. If you. get them before 8 p.m. What the [ __ ] is. that? What are you talking about? The. biggest one. Like the biggest drink. you're getting aing like what's the. ounce? 44 oz. You're getting a 44 ouncez. thing of sugar at in 8 a.m. Yes. So you are a child in your actions and. beverages. Great. Oh, don't encourage them. Who's. encouraging them? Either Jake and or. Lindsay is encouraging them and saying.

use the app cuz they're 50% off. They're. not a sponsor. But also so you don't. even do that? No. No. She uses her app. on McDonald's that she uses all the. freaking time. Oh. yeah. I have like 20,000 points. It's not a. good thing. No, it's not aing prank. I. mean, it's beneficial, but I'm saying. that's why I use the app. It's. beneficial now because I get free $7,000. in debt. 30% of that being for the.

house. Beneficial. That's going to pay off. $70,000 in debt. Okay. And maybe our money doesn't uh go. to McDonald's and it goes to. debt. Another Capital. One. How many uh we haven't had a. Capital One credit one, so that's all. right. Okay. So, Capital One, what's. going on? Um, that one's mine as well. $4965. Yep. Transactions that equals. you. Late fees equal him. Okay. So,

$27.87 of transactions on a card that is. uh Yeah. close to being maxed out by 100. bucks that we can't pay off. That. interest is acrewing $12.94 minimum to. payment $25. What are we doing? What are. you purchasing on? Uh, it's probably. fast food if I had to guess. Okay. How. can we just be living off of fast food. every second of our life? We're okay. with this? No. I know, but I'm pregnant, so like at the end of the day, I don't. want to I don't want to cook every day. I don't trust him to cook. Meal prep? What do you mean you don't trust? That's. the problem. That's the biggest issue. Like I can cook. But he's going to put.

like cayenne pepper in. What are you. talking She's a She's got a weird thing. with meat. She doesn't like It's weird. And she'll It's a weird thing with meat. He's the type of person we could go to. like out to eat or something and she. will buy a $20 meal, take one bite of. it, and get like a piece of fat or like. a gristle or something and waste the. whole meal. The are we talking about, guys? We can't cook because you're. afraid of gristle. I can cook, but I. just don't feel like it. Meal prep. Microwave. And he I Meal prep. Microwave. Meal prep.

You don't trust him. What do you mean? What can he do? What can what what what. what would he fail at? Making spaghetti. The what would he fail at? Exactly. That's what I'm saying. It's um like if. it's undercooked. Cut through and check. But you can't tell. Like Yes, you can. Like pork's a little hard, but beef and. chicken's easy. He made beef stroen off. the other day. Yeah, beef super easy to. tell if it's raw. Exactly. I don't know. It's just my brain. And I just think. what I just think that I can't trust it.

if I didn't cook it. Is that a medical disorder? No. I mean, I've never been diagnosed with anything, but I don't appreciate it. You don't. appreciate it? A husband cooking for. you? How are you going to survive when. there's the kid? You're taking her the. kid and maybe he's going to cook for the. house. What? You're just going to eat. McDonald's for every meal for the rest. of your life? You're going to die at 40. So what the then? What are we talking. about? I can't eat fat meat and I can't eat. then get chicken breast. Chicken breast.

is as white as literally like she could. literally she'll before even cooking the. chicken, she sits there and like picks. pieces off of it and cuts all these. pieces. She'll waste like a quarter of a. [ __ ] chicken just trying to cook it. The we are do you why then cook meatless. then? And I'm I'm aing meat addict. I'm. just like every second of my life. I. obviously I'm in the situation. And I. love meat, but Well, I can't tell what's. pregnancy, what's not. Um, I don't I. just don't like fat on my meat. Then.

have chicken breast. Chicken breast has. fat on it. But you trim it off and have. him cook it. Trim, cook, trim, cook, trim, cook. Come on. Chicken breast is like. the easiest meat to tell if it's under. It's white as It's as white as you when. it's done, right? Yeah. But it's. also I just don't think I'm going to. budge on him cooking it. What. the What the are we talking about? I.

would rather get better about Okay. What. about. meatless? What about pre What about. precooked meat? What about pre-cooked? Absolutely disgusting. That's even worse. for her. I don't even know what you're. talking about at that point. That's even. worse for her. You can't do like the. pre-cooked chicken tenders. So just. [ __ ] I can eat dino nuggets. That's. it. That's the only There's a lot of. different variations that are healthier. versions. Only one. Are you autistic? Are you the real. autism here? I don't think so. I don't. think so. No. You can only eat dino nugs. Yes. This is.

love on the spectrum, ladies and. gentlemen. I've never gotten a bad. piece. She's just weird like that. Why can't he. make spaghetti without meat? He can make. it if he makes it with the frozen. meatballs. What about just without meat? Because who wants anything without me? No one. But you're with him cooking. I So go meatless for when he cooks. He. doesn't like not having He had the gas. I agree. He He can have meat for him.

You do no meat when he cooks and do meat. when you cook. I'm confused. We can always find a. solution. Absolutely. Are you for How. are you going to tell how Here's an. actual honest thing. How are you going. to be able to tell your kid, "No, you. have to eat this if mom isn't willing to. eat." Well, I've already told because. that's obviously from her upbringing, but I've already told her like my kid is. not going to be that way. Her brothers. are even worse than her.

But like his family eats like pig's feet. and stuff, huh? His family eats like. pig's feet and like what's your. ethnicity? I'm half Mexican. Okay. So like I'm sure that our son will. be fine. I'm sure he eats more than just. pig's feet though. No, but I'm just. saying like that's the grossest and like. p sole and it's pole man. It's like a. Mexican like basically kind of like. soup. But it has fat in it. Like the. meat is solely just fat meat. Yum. It's. freaking good. Yum, yum, yum, yum, yum.

That's crazy. What? Fatty meat. That's. why people have flame. Less flavorful. More fat cuz it's more tender. No. Ribbing throughout. Okay. All right. I. was enabled my whole childhood with. that. Yeah. Maybe try to fix it. Yeah. Act go to therapy again. I'll fix my I. will put an effort to fix my finances. But the I'll never put a piece of fat. meat in my mouth. No, you're going to. McDonald's every second of your life and. Sonic for a little slippy drinky. Slip. Slurp. Slurp. Slurp. Like we don't fix.

this unless food is eaten at home. Unless things are packed for lunch. Breakfast is at home. Limeade is stirred. in a pack. I don't even For breakfast, I. don't even eat. I literally just like. drink a cup of coffee. Yeah. You have 1%. of your stomach. Yeah. So, it's. literally she will just she'll just get. whatever she wants typically. She'll. order something or she'll go she'll. order something on the app from from. McDonald's and then she'll go pick it up. on her lunch break or You can't You. won't be here for your kids graduation.

before your credit cards are paid off, right? Take out life insurance before they deny. her. I do have it. Thank Yeah. On both. of us. Thank definitely not headed anywhere. good. How many fees? What late fees on. this one too? Probably. late fees like probably two this year so. far. I don't know what other fees would. be added to this card. Um is there not an annual fee on that.

card? No. Then it very could possibly be. a late fee if I didn't have um auto pay. on it. How many Capital One ones um did. did you have right there? We're at one. Oh, I'm I'm pretty sure she has like two. or three of those. I'm sure we'll find. them. I guess I guess we've done two. I. see two Bank of Americas. Oh, Capital. One. Quick silver is Yeah, Capital One. So, how do we actually solve this if she.

can't eat food at home from home? Like, we can't I can't I just need to cook it. myself. Like, I'll cook myself. Cook it. That if that is your choice, then you. have to do it. And it's not an option. Yeah. It's as easy as that. If you're. going to be a child about someone else. cooking, then you have to be the one. that. cooks. It is your. choice. All right. Blue Cash. What's. this? I don't have a statement. I have. screenshots. Yeah, that one's mine. What's blue cash? Okay, what's going on?

Oh my Why do I keep crying? I'm not like. It's a great question. Offended or. anything? I just keep crying. What are. you saying? The third one? Oh, the third. one you have to pull up for me. Okay, let's talk about the blue cash and then. we'll pull up the third Capital One. That is an American Express card. Okay. Well, I'm sorry. And I can't get the. statement because it's like What's the. balance? I think it's like $1,200 I. think. Well, minimum payment. Um $40.

probably late fees this year. So $1,200. I can't I literally can't pay that one. late. Go on. It's It's not just my card. Like. it's my dad my stepdad's card. So he'll. pay if you don't. Um if women's health, that's my doctor's appointment. Waterburger. Hopefully your doctor tells. you to stop that. I actually already got. my gestational diabetes test done and my. sugars are very good. So, I don't have. that. Hold on. What about heart disease? Okay. I don't know about that. Bubble.

tea. Yeah. Yeah. It's 1200. You're right. So, it's just around as usual. Interested. growing probably. All right. Pull up. that pull up that extra. What? It's a. capital one, right? Yeah. Oh, [ __ ] sake. What? And you couldn't pull a statement? I'm confused. I think I did pull it. I. just didn't send it in. Like I had like. I have [ __ ] 650,000ing credit cards. right here. Yeah, maybe you should be. looking at them on a monthly basis.

Guys, you have to use our budgeting app. Please, please download our budgeting. app. Please, I'm going to I'm going to. furiously. just machine gun. Do you want this? Slap you. Yes. Oh, well it's $0. now, but at the time it it wasn't. What's at the time? Oh, when we sent the. statements in. Okay. Past dofi beginning of last.

month. What are you. Why why do you do past due January as. well? It's every other month. There's a. past due. It's. just we're just past every second of. hering life. She don't pay anything. done. Unless daddy's on it. If daddy's. not on the card, we're just past. two. Oh. Oh. Why? Oh, sake. Sorry, I didn't.

mean to throw. Oh, just like what the are we doing? We're past due on just everything. endlessly. Auto pay turned on. Why? And. then I just I didn't end up paying it on. time. Why? Multiple times. Multiple cards. I just didn't have it turned on. I do. have it turned on. Why did you pay it then? I did pay it.

eventually. Oh, noting time though was. just what matters. Right. But I But I. did have autopay on. I turned it off. I. forgot to turn it back on. I'm assuming she maybe turned it off. because we didn't have the money for it. to come out at the time. Maybe. Yeah, that could be it. The only thing that I could think of. would be the reason why you did that. Yeah, cuz we've shared the same. civilization is broken. There's no these. are the leaders of.

tomorrow. Oh, [ __ ]. me. Kind of what kind of finances kind. of finances are your kid going to learn, guys? What kind of [ __ ] discipline. are they? Mommy's not going to eat cuz. daddy cooked the meal. What are they. What are they What are they going to. learn? They're not going to learn a. single dick. Secrety what? J C J C J C J. C J C J C J C J C J C J C P Penny. What. are we J C J C J C J C J C J C J C J C J. C J C P Pennying. Uh that was our um It. was my wedding band and another It was. like a another band for her set.

What are you multi-banding? Yeah, I have I have three. Why? What? Well, you got married three times. What's happening? No, he So, when he. proposed, he didn't take the um like the. wedding band out and I just kept it. And. then he when we went to go buy his, I. got another wedding band to go. underneath it. Marriage. guys, come. on. It is time to cut down your.

financial stress and gain total. financial dominance. You got to download my budgeting app. today. It's free to start and it's the. simplest way to take control of your. money. In the free version, you can. manually create your budgets, track. expenses, and monitor your spending all. in one clean, intuitive dashboard. And. then you can take it a step further. Upgrade to premium to securely link your. accounts with Plaid. Automatically. categorize transactions. And with our.

new update, you can set custom rules so. you never have to recategorize the same. purchase twice. You also get access to. our private financial community where. you share tips, learn the best. practices, and stay inspired. Plus, I'm. adding new features like every freaking. week to make this thing even better. And. you can test it out with a 14-day free. trial, so there's no risks. And don't. forget, when you sign up for the annual. version of the premium plan, you'll. receive a limited edition signed. notebook and my exclusive signed hard.

coverver cookbook, all mailed directly. to your door. So, make sure you download. my budgeting app today. It's in the. description and pin comment below. You. will not regret it. Oh my, there's so. many. There's so irritating. $30 minimum payment. Current balance. 387. didn't send a statement. Can't see. your purchases. Yeah, there's there's no. other purchases. All is can't see if. there's late fees. I bet there are cuz. after these have had late fees. That.

one's on autopay. Don't believe you. You. may not have had enough in your checking. account when it hit leading to a late. fee. Okay. Synchrony. home. What's this for? That's cons. That's for cons. Yeah, it's like a home. appliance store. What' you guys get? We This is a washer. and dryer and a fridge. $2,000. 65.17. Minimum monthly payment 104.

These minimum payments are insane. What. the [ __ ] are we doing? What did you. spend on a washerd dryer? It was It was. like 3600 I think. Boy, you could have. gone cheaper than that. It was washerd. dryer and a fridge. What the [ __ ] I. bought when I moved into my most uh the. house that I live in now, I bought a. nice washer and dryer and I. think like a really nice washer and. dryer. It was like that much odd. Like. why'd you need that? We went into. Facebook Marketplace. But every Okay, so.

when we bought our house, everything. that was in our house stayed in our. house. Like we got everything that came. in the house. So we didn't purchase. anything new until started [ __ ] up. Yeah, but maybe you don't purchase brand. new when you don't have any money. And I. tried. just go to cuz we got a flea market. right up the road. They typically get. pretty good like washer and dryers. I. was down to this is a historic thing. We. already know they get washer and dryers. Yeah. And oh god, she wanted to go She. talked me into going to Cons to go look.

at a wash a brand new one. I wanted something with a warranty on it. so that it. would if something were to happen. Oh, for sake. Warranties are how they make. money. I just wanted to have the. reassurance of like or you get a cheap. set that you test then if it breaks down. it's not the biggest deal because it's a. cheap set instead of being on a minimum. payment for the rest of your [ __ ]. life forever. That one is 3 years no interest. Yeah. How long are we in? A year. Is it. deferred interest? A year and a half. I.

don't I don't know if it's deferred. Oh, you don't even know because we can't. pull a statement cuz we can't look it. up. Someone pull it up for me. There is a statement, but it wouldn't. like the website was down when we were. trying to pull it. Oh, yeah. That's what. it was. When I was clicking on the. statement, it wouldn't pop up. It. wouldn't pop up. Pull it up. Pull it up. Um, we also got a fridge at that time. Um, the fridge was,200. Like the total.

we spent was 36, but the fridge was. $1,200. You still didn't need to get. new. That That's how we got the selling. ouring fridge from our old office. You. could have got that. We probably sold. for like 50 bucks. I don't even know. There's always people looking to get rid. of stuff. And the fridge. The fridge wasn't. broken. But if we if you bought Oh, for. sake. To store all our food. We don't.

cook. I do cook. I do cook a lot. Yeah. I also. go to McDonald's every 5 seconds. I do. do both of the thing. Two things can be. true at once. Oh, there thing. Here it. is. [Music]. Finally. I'm clicking on statement. Nothing's happening. Yeah, that's the. problem. That's the problem we were. having uh when we were trying to get.

You didn't go on the internet. Yeah, that's Yeah, that's on the internet. Uh. you didn't go on the app. They don't. they close down synchry? No. Yeah, but. it's usually But this is through. Synchry, so it' be in your synchrony. app. I don't have an I don't have the. app. I just go to take that back. I. don't know, guys. Maybe it's deferred. Maybe it's not. Gosh, if there was a camera under this. desk, my balls are practically out. These shorts just keep going. in. These shorts are in. Ball cam. It's time to size up. They.

just creep. They creep. Very comfy though, except for the. creep. Alta? Yeah, that's mine. You're pregnant. Yes. Doesn't even. matter what you look like cuz you're. going to be pregnant either way. So, it's just like it's just like me. Oh, I. Everyone sees you and they're like. they're pregnant. Like, what are we. doing? I buy my shampoo for conditioner. from from there. That's what that's.

usually what I use it for. Okay. Okay. Interest. I don't even understand why. there's aing balance. It's. $159.97 for the minimum monthly payment. of. $30. Just pay it off. Interest is. acrewing. It's a 30.24% interest. That's. it. Dude, they're all right around. there. Best Buy. What's going on here? We got 806 80617.

That was um from a few years ago. Few. years ago. And we're still holding a. [ __ ] balance acuring interest. Yeah. I've only been making minimum payments. Well, not even actually. I think the. minimum payment is like 30 something. I. pay like 50, but it's not much more. So, um but I bought a PC a few years. ago and then uh for how much? You paid. the PC off. No, I didn't. Oh, why' you think that? I don't Why did you. think that? Well, I I I don't think that.

when we consolidated he I thought he. paid everything, but I don't think he. paid. How much did you spend on this PC? Um the PC was like 1,800. It was like. PC. Like it was everything. PC, monitor, like mouse. It's a GPU. Like everything. Um I'm sorry. GPU. Oh, honestly, I don't. have that much. What the did you buy. this? You don't even know this the. computer. Well, so I went with a friend. of mine and so he like helped me pick it. all out and everything because I didn't. really know much about it, but I had. wanted to get wanted to get into it. Um, unfortunately I didn't really get.

that much into it. And I did. You did? There's still a balance. At the time we. I don't even remember what we had going. on, but I ended up not paying it off. whenever I sold it. I'll tell you what. you had going on. McDonald's of every 5. seconds of your stupid life. And then. you. spent more than you brought in. So you. just use that to supplement. And then. whenever my brother graduated, I ended. up using that card to buy him a. graduation gift as well. What'd you get. him? I got him I got him an.

Xbox. So stupid. Four years to pay off. 30%. interest. I I don't I I don't understand. this is the what the choices you guys. make are crazy. Okay, what am I looking. at? Oh, it's affirm at 36%. interest. Affirm. What are we affirming? That's for when we went. What are we. affirming? Closed. Did you not have clothes? It was for.

when we went to Colorado and you didn't. have clothes. It gets cold here. sometimes. It doesn't get that cold here. as it gets. But you probably have a. jacket for the the few weeks a year it. happens. So when you couldn't afford. this trip. No, I agree. I Yeah, you're. still affirming. Okay. So, we had like a. whole family trip. There's like 13. people that were supposed to go on this. trip. Supposed to go. Yes. The only. people that ended up going were us two. and his parents.

So, cancel. But it was too far into it. to get any kind of refund on the on the. Yeah, but you would have still spent. less. We would have Yeah, we would have. saved not going, but instead we still. went and spent that money. What's your. balance on a firm? I have two more. payments left on it. So like, okay, so. 50. Yeah, I'm gonna call 60 bucks and. it's 2809. payment. So stupid. The interest you. paid on that is the. dumbest stupid thing ever in the world.

in the world. I also There's another. credit card in there. I don't know if. he's I don't think you sent it. The. academy credit card. Pretty sure I did send that to you. From. your boss. I'm pretty sure I did send that to you, but I'm assuming you didn't send it to. him. So, um, are you just like. collecting them? Okay. Can someone pull. it up for the fifth time? Well, you said. it's Academy. Yes.

[Music]. Are you autistic? probably. Okay. I'm probably just genuinely c I'm. genuinely just curious. I'm probably. autistic. I probably have I probably. just missed you. Just grazed. I'm the. full collection. I'm probably palleted. up. I'm I am a sampler of mental.

Well, they looked this up. Sad news in. the Financial Auto family. Two of the. three fish jumped. out. They died. Yeah, we she had told us when we came. in, Lindsay told us about it. Uh my. theory was. that they thought that you were yelling. at them and so they killed themselves. Okay, here. These are living things. you're joking about. Yeah, you.

beast. Okay. The interest is occurrence. is Oh, what? What even? What even on. this card? Huh? Can someone tell me? I. believe that was one of those Christmas. gift things. $4501 minimum monthly payment $30 18. months of payoff. You stupid. It's just. stupid. It's dumb. It's stupid. Okay. Okay. What is this? What is this? What. am I seeing here? This is more affirm. This is additional affirm. I think. that's the same one. Good. Twice. Okay.

What is this? What is $11,99744? That would be part of the home loan. That's part of Yeah, that's part of What. is this home situation? Is it a mobile. home? So, the the home So cheap. It was. my uh it was my aunt and uncle's home. and they ended up going to stay with my. cousin and while they were there in. Virginia, they ended up getting sick and. passing away. My cousin sold the home to. us for very cheap, like 50,000. And so. instead of getting a like a a loan.

ourselves, my parents offered to help us. with it and got the loan for us. And so. now we're just paying their loans for. them. Okay. pay. $333.381 a month on this one. No, no, no. That's it's every pay period. It's. twice a month. Mhm. It's 667. Um guys, I'm running out of ledgers. here. Okay. Yo,

11,99744. What's the interest? I think. it's like uh 7%. H. Okay. But that's. only half of it. The other What's the other half? Is this. the other half? Yes, that's the other. half. For [ __ ] sake, I'm out of Okay, I'm out of [ __ ] ledgers. Okay, so this other one is. $10,79.82. The minimum payment of $411, right? Yes. Okay. Interest. Um, that one.

is 10, I think. So, what is this for? our home. It's the same thing. You have. to split it up in two. So, his mom got a. 401k loan out and we pay her every month. for it and then he his dad got a. resource one. loan and we pay the other portion of it. on to him. This is so weird. It is very weird. I I. will Yeah, it's super weird. How is. there more debt? That is my uh loan for.

the consolidation. interest. That one's like 30% I believe. Yeah, that one's bad. [ __ ] sake. Minimum. monthly payment 33833. I think you guys. are think you guys are. $6,714.25. If I flip this, is there. going to be more more loans? He has a. loan as well. [ __ ] sake. For what? for. the consolidation.

Lindsy, can I have my panics accident? I. just threw out of rage. I don't know. what what my body does when I'm upset. Thank you, Lindsay. Do you feel safe? Okay. I feel safe. Yeah. What the am I looking at? What is. $1,526 a month? So, this is No. No. That's not That's what's left. Oh, thank.

That's what's left. I guess I'm going to. start writing on this [ __ ] page cuz. this is insane. What is this car? So, I. got this car in 2018 and my boyfriend at. the time cosigned for me on the car and. I got into an accident in the car, but I. didn't have insurance at the time. It. was a It was a single car accident. Why? Why? What didn't you have insurance? My. parents took me off of the insurance. So, get your own insurance. But I didn't.

know I didn't. I thought I had it. Tell. me that I wasn't on it. You guys can't. do anything. You guys are incapable of anything. 18. years old. Oh, wow. You're an adult that. has adult responsibilities like everyone. else at 18. I don't give a I don't know. how that's avoidable if I didn't know I. wasn't on the insurance. I don't know. That's just your word. But you didn't. know you're missing a payment. You. didn't know you're missing 50 payments. You didn't know you're making purchases. on this card. You didn't know you went. into the dollar store. What do we know? We don't know anything. So, I can't. believe you. I do. Okay. So, what? You.

got in an accident. No insurance that I. total the car. Oh, you stole. So, I. didn't want it. to my credit or his credit. So, I have. just continued paying on it. And this is. the remaining balance of what's left on. the car. Getting [ __ ] pen markers on. my. clothes. Balls out pen marks. [ __ ]. So, dead car. We still owe on it, huh? Yes. Need to scrap it at least. No, it's.

sitting at his dad's scrap it. Why? Why. is it sitting there? Um, I. think I just don't know anything about. like I don't know. It honestly does need. to be scrapped. We just haven't yet. Okay. What's the interest? Doesn't. matter. It's almost paid off, I guess. So, mostly 9% I believe. Okay. So, 370 a. month, right? Um, it's 262. Okay. You're. paying more on it. Uh, no. So, there I. didn't know this when I was younger, but.

if you defer the a payment, it goes to. the back of the loan. So, there was this. Where did you think it went? Well, I. just thought that it I don't know what I. thought truly deferred. It went away. And um I just thought it increased my. loan by a couple months. Moving on cuz. me. Oh my gosh. We have debt to each. other's parents. Yes. Okay. To Brandon's parents, 1750 for. what? That was for our property.

taxes. So, we like when in the beginning of the. episode when we said that we get our. bonuses, we get bonuses on top of what. we make. My bonus last year was like. $1,650 and he was going to get one for. the first time this year. So, we fully. expected to get that money to pay our. taxes with, and then our bonuses ended. up only being $600. There you go. Don't. rely on bonuses. Lesson learned. Do you.

pay Brandon's parents monthly? Uh, they. want us to pay them in full. Why? They just I I asked I asked my dad if um. if he wanted me to just get start making. a get on a payment plan with him and. just start paying it to him. And he. said, "Do you think you could save it. up?" I was like, "Yeah." And he's like, "Okay, well, just save it up and just. give it all to me when you can.". Okay. To your parents. We owe 1,500 for. what? Um, that was towards the wedding.

Why did you have aing wedding that you. couldn't afford? It's a great start to. the marriage. One of the leading causes. for divorce in this country. is money. So, we start marriage with. debt. Well done. Is there a minimum. monthly on this? Uh no just so no. progress. Great. Whenever well I have. paid money towards it. Well was it? Um. it was 2000 so I have paid some money. towards it course of a.

year. Is that all the debt? I believe. No. No. Remember um we have. toll account. We do have we do have toll. bills. We we completely forgot to send. in. and we had $1,000. What about a Mustang? They're telling me about a Mustang. Oh, yeah. We have two cars. Two more loans. Yes. Guys, what are we doing? I'm never. going to leave here. I want to go home. It's the end of the day. What are you.

guys doing to me? It's five. Pull up one. of the loans. Yeah, I I sent those to. her, too. So, lady, what are you doing? You're in This is why I can't trust you. about the insurance. You can't even send. half the statements. Did you actually send me the actual. statements or was it screenshots for. those? Uh, it was screenshot. His. resource one is just like that. But here. you go. There's the two right there. These better not be substantial or I'm.

going to They are. Oh my. The first. one's. $12,000. Okay. What's this first one? It's a Mustang. 2016. Great. So, someone's running around like aing. douchebag. Thrilled. $12,822.92. I'm guessing you're the Mustang. What's. the interest? Uh. 2.7%. That was with uh after I. refinanced it. It's not bad. Minimum. payment 5 538.

26. What's it worth? Um I think Blue. Book says like 16. Um I'm getting. higher. 19. Oh, sweet. Um, but yeah, I've looked on marketplace just to kind. of see what other people's are going for. because I've kind of debated on selling. it. You're selling it. You're not. debating. You're selling it. We also have another vehicle. Yeah, I. see that. Additional stinger. It's paid. for. What is it? It's a 2000 Chevy.

truck. Oh, 2,000. What's it worth? Probably like four grand. Sell it. You. can't survive. I don't have a title. I. don't get. uh we could get a mechanics lean on it, I think, and get like a mechanics lean. title, but it's not going to be a clean. title. So, I think it that would. diminish the value. Whatever you can do, whatever you can do, get my idea. Get. the money. Scrap it. Even I don't give a. My idea on the situation is, you know, I. said I was debating on selling the. Mustang. I was thinking about selling. the Mustang and then, you know, that'll.

get rid of $700 a month right there just. in payments and insurance. And then Oh, [ __ ] Could just just daily drive the. truck. We'll do that if it's in okay. condition. The truck it's in good. condition. Just it needs a little bit of. work, but let's do that. So that's Yeah, on the KE both. $495.82 is the minimum. The payment of. $24,351. What's it worth? I think it's about the same as what? Like I think it's like 19,000. You are. underwater by.

five. You're above water by five. She's. underwater by five. Cancels each other. out. Sell the car. Drive the other car. or put it into this loan. There we. go. Then sell it cuz you can get 19. You. get the remainder of his from his. previous sale. Boom. You've paid off the. car. Go get a $10,000 car loan on a. $10,000 car to save you $15,000. It's. not an argument. It's not a. conversation. You That's it. Did you say. there was another loan or was that it? Oh, you said tolls. Yeah. Yeah, we do. have tolls. Oh my. What are we on tolls,

guys? This is never ending. So, we had a. toll. We got a toll tag because when we. got my car, he What do we owe on tolls? Uh, I don't give a about the stories at. this point. Uh, 1,500 on on to. and then an additional 300. 1,500 on her. car, 300 on mine. $1,800. That's just. soing dumb. And I also have student loan.

debt. Are you. just How much? 10,000. And are we. paying? No, I don't know. I don't know. anything about it. Well, I can make a. call. I don't know anything about Make a. call. I'm not paying on it currently by. choice. Like there's no I don't have. they haven't re When did you graduate? I. didn't. When would did you finish? When was your. last school? Uh 2020. Yeah. You owe.

money. Okay. Okay. Might be it might be held up in the. courts of defer what the school I went. to like um like is it being challenged? Closed. Is it Is it being challenged? I. think so. If it's being challenged, that's why it's probably on hold. It. might be forgiven. It might not be. I. don't know. 2,000 in this checking. account. Okay. Why is it just 2,000? Oh, okay. Cuz here we go. Let's see. Let's find out what we also Well, it. started with 180, so I doubt that. 2,000's normal. What? We We owe the We.

owe the. IRS. Not Not back. What? $1,000. [ __ ] sake. Why? Um, so he when he got. his um You've used you more pages. when than anyone. Are you on a payment. plan? It's paid for now. It's paid for. We We just paid it yesterday. Um, are. you on a payment plan? No, we plan on. paying it in full if you have money.

Sure. Great. So, IRS $1,000 interest and. fees are probably Korean. What was it. for? It was for our taxes. Our taxes. when what taxes for this year? Last year. or this past year? Yes. Okay. Checking. account. Oh, with soing just immature McDonald's, Taco. Belling going in and getting some. bull.

scors, Apple Bell, McDonald's, CeCe's. Pizza, Sweet Water, Sweet Water, Prom. Store, Chick-fil-A, Sonic, Waterburg, Apple, Microsoft, McDonald's, Pedlers, Amazon, Sonic, this is soing. stupid. MF. Mspec. I doubt that kind. I don't know. Go in and get us a bull. Apple bill.

Amazon. McDonald's. Microsoft. Apple bill. Sonic. Domino's. Amazon. Amazon. What the are weing. doing? What the food is and Sonic and. Amazon and Apple Bill and Netflix and. Roku for peacock [ __ ] peacock. Apple. bill. Scorpion quill and kantos. Apple. bill. Apple bill. Go in and get some. bull. Zeling our money. Who knows where. it went. We sold. We zeld. We zeld. We.

zelled. Oh, zelin saving 600. Okay, what. are we doing? That's insane. All of the zels are coming in. That's. from me going to the shop and helping to. make more money. Well, no, we pay his. parents. Incorrect. We We do pay We pay. our mortgage through Zel. We send them. the money. Then No, iting wasn't. Sorry. I I thought that's what you were talking. about. Jeez, guys. Is that [ __ ] it? Can that. please be it? You don't even have. retirement. God,

I do have retirement, but it's really. insubstantial. What is it? Like two. grand. Well, when you're ready, we'll. get you set up with the mumu app. But. for [ __ ] sake, this is just I don't. know, I just don't. know. Like, there's not going to be. anything left over. to Oh my guys. Oh my guys. Oh mying. tits. You're titting me, dude. Didn't.

expect to envision that one. today. So many numbers. I don't even. know if it's going to add up right in. the end. We're about to find out. This. is a [ __ ] crazy. That's probably why. I don't ever get it right. Well, maybe. you could take a little more time, but. we don't have as. much. You have all the time in the world. to fix. your h. It's going to be close. But is that. right? It's not 4,000, is it? Your debt.

minimum monthlies? No. Let me let me. read. You're including our mortgage then. probably so and our cars. I got to redo that cuz that just sounds. insane. Oh my. Okay. Debt minimum monthly. $3,350.17. What the utilities? How much? About 350. Internet. Is that included in. this? gas that you both use for driving.

Room, room, drive, drive. Well, luckily. since we work from home, how much? Um, I. would say 250 a month. Yeah. Car. insurance is combined. 530. Food 600. Use the cookbook. Again, everyone that. gets a premium version of the mobile. app, I'll sign you a personal cookbook. and send it directly to your doorstep. You get it for free. TP fund, $200. Anything else you need? makeup, whatever. Shampoo, tampons, you got it.

Medical, healthc care, anything on a. monthly basis. Uh, yeah. Well, for at. least for the next 3 months, I have at. least $120 of prescriptions every month. Pets, three dogs. Oh, me. Health and ages. They're all in good. health. One's one, the other one's two. and a half, and then the other one is. seven, right? Seven. Okay. So, I don't. know about the seven-year-old, but we'll. do at least $80 for the other two in pet.

insurance on a monthly basis. Pet food, how much? Uh, I would say about $30. every $40 every two weeks, maybe. 80. bucks. Okay. Jin, yes. How much? I believe it. is 40 a month. Anything else that needs to be in here. that I have not taken in account? Our. phone bills. Uh, how much? Uh, 236. Why? We have Verizon. They're financed. Yeah, they're financed. When they're not. financed, switch to Helium. Same towers.

as T-Mobile, so it's cheaper, dude. Just. [ __ ] do it. Don't be a tit. But until. then, what was your phone bill one more. time? $236, you guys. I think you still have somehow. wiggle room. Not much. You need. $5,836.17 cents on a monthly basis. You. guys areing lucky. It's mostly the cheap. living. situation, but I'm not taking baby cost. into account to be very clear. So, you. probably will just be breaking even if. that when that happens. But we how when.

when's the kid? July. Okay. So, we have. a little bit of time. But that's. including like with our car payments if. we Yes. US if we didn't sell the cars. Exactly. Which you will. Then you'll. have a $10,000 car that'll eliminate. some of the car insurance. Mustang. obviously higher car insurance. And. we're talking minimum monthly payments. close to like 700 in the 700s. Um like. 750. So we'll get the minimum payments. down to like 300 cuz you're going to get. a $10,000 car loan. But even still, I.

just want to do an example. You have an. extra 363, right? Your debt was like. 105,000. This is if you did. nothing. Takes 399 months to pay off the. debt with the situation and the spending. that you guys have gotten yourself in. And that spending hasn't slowed down. You spent $1,800 more than you made. Takes $33 to pay off this debt. You guys. can get that down much further down. Take care of those cars. Limit the. minimum payments. Throw all your debts. towards it. It's still probably going to.

be at least like a decade process, especially with the expenses of the kid. coming up. But it is worth it for the. sake of your kid cuz your kid will be 10. and then you can live the best life. ever. Okay? You guys just have to do. this. Take all of our classes, especially the debt and budgeting ones. first, the investing ones eventually. Okay? Okay, the real estate one. eventually. Download the budgeting app. Use that. Use the resource. You get it. free forever. Don't [ __ ] around. There. is no more time. You guys have put it to. the worst. If you go more from here,

you're. done. You're done. You've hit the limit. It's time to buckle down. Sell the cars. Take out that loan. Buckle down. Change. the behavior. And do not [ __ ] up. And. prove to me you've done it by coming on. to the Financial Auto Follow channel. Okay. Hammer financial score. What's the. value of the house? 127. Okay. Real. estate score. It's a weird situation. Compluted. I'll give you a 6 out of 10. Retirement, I'll give you a one out of. 10. Emergency fund, one out of 10. Debt,

zero out of 10. Bad as it gets. IRS. spending, you overspend, zero out of 10. Real estate's going to be what carries. you. But it's a weird. situation. Hammer financial score for. now. It's going to be a. 2. Let me make sure I did that. math. No, 1.5 out of. 10. Sorry. One. second. Yeah, 1.5 out of 10. Guys, join.

us for the post show. Join below. And if. you want even more content, we upload. every single day with all these. exclusive shows, thousands of hours. extra content for Hammer Elite. And it. really helps support this channel. And. it is the best YouTube membership. Proven. proven by the platform on the. entire platform of YouTube. So check. that out and join us in the post show. It's great. Hundreds of hours of content. uploaded on a monthly basis. Thousands. of hours already there for you guys to. binge. You can't gamble. You have 30. years to pay off this day. You're.

gambling. All your money. What the. happening, guys? That's not okay. I win. a lot of No, you don't. If you did, we. wouldn't have so much debt. I I just. don't understand why that's fun for. Spending your money. suppress Call of Duty with your friends. is so fun. But I don't have to spend. money every time I turn Xbox. That's. $12. Look at Sabrina Carpenter on to. watch the Financial Audit post show. Click the join button below.