Gold Digger Exploits Beta Husband | Financial Audit

what kind of Lifestyle are you guys. living I just like made another loan got. my broke done but it was like. 14,000 why 14,000 for the I was going to. tell him I just was but you didn't so I. don't give a was it's not really a good. feeling to have that go behind my back. you know I think you would understand. why I did it so I didn't figure you were. going to be mad listen saggy lift all I. care is their. finances hi my name is Megan I'm 34. years old my name is Garrett I'm 36 we.

live in Houston Texas and this is. financial. audit thanks for coming over to Austin. guys so what do we do for a living in. Houston Texas we'll start with you I'm a. flight attendant on the weekends and I. stay home with our two kids uh during. the weekday correct okay well okay so. very much part time I'm assuming yes but. I am fulltime like Mama fulltime M no. fight to I'm fulltime hours you're. getting okay how many hours are you. getting on these weekends um it's 72 for.

the month is what I get oh okay there. are times where she works during the. week um yeah so how much are we making. from this cuz your payroll is. practically nothing um I make 54 an hour. but I'm averaging like my months are. like 50 to. 70 huh a. month huh hours yes oh okay what well. what hits your bank on an average month. um from your ,000 okay well that was not.

reflected in this last month we had 600. what was. different. um it should be more than 600 didn't. work as much this. mon yeah people not flying I mean no I. don't think I worked much I don't work. that much in the summer it's kind of a. choice gu isn't that when people. travel yes but um but that's cuz the. kids are home more because there's no. school.

how old are the kids we have kids how. old are kids two and four two and four. okay yes why Less in the summer I just. don't think I worked much in the summer. yeah yeah yeah. why cuz she likes to take. off okay but our spending seems to be. maintained. [Music]. yes um how much you guys think you spent. in this last. month when really only his income came. in how much you guys think you spent in. this last month oh.

12,000 I'd say probably around there. pretty damn close 11,764 but only 8,677. came in from your paycheck so how are we. maintaining the same level of spending. if we're not working I'm confused we're. just taking time off but we're. continuing the same level of spending. that doesn't make any sense we start uh. dipping into our emergency fund towards. the end of the month for what to cover. some purchases that pop up a lot of uh. purchases that pop up I.E what gave you.

that tan I.E going on vacation yeah. that's an emergency we take from an. emergency fund to go to islands and. stuff it's an emergency no we that was. planned out prior to um a lot of the. last minute knickknacks or impulse. spending that happens. emergencies that'll be pulled out of. our emergency I think brought I brought. more in like in in August.

we don't have it is there a secret. account we don't have no I I don't know. why you don't have. it unless I I don't I don't really. remember why it didn't work very much. but it just seems off the number seems. off that's what hit that's least will. hit okay what do you do for a living so. I work in the oil and gas industry oh. yes he's a Texan okay oh cool what do. you what do you make right around 120. wow that's great okay so that's help. sustaining we live in Houston definitely.

energy town okay what is your. position I'm a kind of a Drilling Fluids. uh specialist Tech I work in-house for. one of the major uh offshore companies. so you get down dirty I did for I worked. offshore for 10 years yeah and oh since. we had. kids moved back working in the office. now okay how long have you guys been. married we just celebrated 6 years.

oh very nice okay so a little different. than most married couples on the show. one you've been married a little longer. a lot of people are kind of Newly Weds. on the show and two your guys' kids were. within your marriage which is maybe the. first time that's ever happened on the. show um not that either way is bad or. good I don't give a but it's interesting. it it it shows that you know maybe you. are a bit more. planned and the weird thing here is. there is retirement here that's the.

weird thing but then there is so. much that does not correlate with a. couple that plans especially if we're. taking for an emergency fund for. [Music]. knickknacks and one of you has a secret. that the other doesn't know and I don't. know what the secret is or who has it. but one of you wants to tell it and what. is it who has the secret who's the. little secreter you're the SEC secreter.

yeah what's your little secret I mean. it's I just like pulled from made like. made another loan to cover a credit card. so we could go on our trip oh my okay. okay and I didn't tell mean wait why. doesn't he get to know that why are we. doing that without his knowledge I don't. know he thought you were pulling from an. emergency Fone not that that's even. better but actually no you said trip P. planed I was going to tell him I just. was but you didn't so I don't give a was. you didn't well no I didn't tell him huh.

I yeah I didn't tell him why cuz I mean. I was going to but you didn't I just. didn't want him to stress about our. trip but now you're stressing about the. trip even though the trip is already. done cuz you've borrowed on it now you. have to pay it off you borrowed you. opened it you took out a loan what kind. of loan uh uplift okay no no yeah no. upstart was the loan I took for the card. upstart yeah I took that out to pay off. a credit card that was maxed out so that.

we could have spending on the card oh my. nothing to do that has nothing to do. with the vacation well then what are you. talking about you because that just. contradicted your whole thing I'm. confused too what are you. saying so yeah we did Finance the. vacation that we just. took from what on What It's Like The. pre-planned like like a firm like one. one of those it's called uplift so.

uplift pay off a credit card yeah. they're both two I have both loans an. upstart and uplift and which one did you. know about and which one did you not or. neither why why when when did you do. this the last week of the month before. our trip what month. September. okay the last week of September you did. this yes I got a loan out and paid off a. credit card that was maxed.

out yeah why but like why cuz that. just it's got my name too on it or is it. just yours because mine it affects us. both and that is not really a good. feeling to have that go behind my back. you know yeah but I didn't think you I. think you would understand why I did it. so I didn't figure you were going to be. mad well understand when you did it you.

did it for the vacation correct and are. you. mad yeah uh I say mad I'm pretty uh. disappointed that's kind of a big thing. I thought we were low on funds you know. during the month because we were taking. out to pay for a trip instead of long do. you guys go on these trips or how often. do you guys go on these. trips like twice a year.

can you afford that I mean obviously not. for taking out debt to pay off a card. and then another debt to pay for this. trip that we can't pay for and then you. think taking out for an emergency fund. for knicknacks obviously not so why why. are we doing these trips when we just we. have young kids uh shouldn't we be. getting Tak care of and button up for. the sake of their future instead of. going and seeing some palm trees it was. for my birthday and my son cuz our. birthdays together happy birthday you.

have one every year I don't give a so. does. he what probably not but probably not I. don't regret it I don't regret the trip. probably not are you saying you're dying. terminal what are you terminal with. brain cancer is that why you I agre you. that like my son probably didn't care. about the trip for our birthday well no. sh none the four-year-old barely passed. the age where he's going to start. remembering things other than that the. 2-year-old has no idea what the going on. it's basically just a group of cells.

floating around in the universe can't. form. memories well we have pictures from it. well that's good as long as they don't. go blind they'll be able to know they. went to a place with palm trees oh yeah. it seems to be uh every year we've got a. birthday trip they're all in. October what do you not agree with these. so why are we doing them wait what are. we doing then why are. you he just goes on them he doesn't with. a lot of them why are we doing them then.

and she we just do CU I like to travel. cool but if he disagrees why are we just. why do you win win win win win win maybe. because I'm controlling I don't. know he just does whatever like if I hey. I have a trip we he just packs his bag. and he's like okay where we're going. like when we get to the airport like he. doesn't know anything about the travel. or the expenses you just you're saying. you don't like that I don't prefer I I'd. like to be uh at least consulted like.

hey let's take a trip okay do you guys. have conversations about this or is this. the first time like what what are we. doing we've had this conversation. multiple times why has nothing ever been. addressed then I feel like I could be. sitting on that side with you talking to. her about a lot of these Financial. issues or I'm not the only problem oh. I've I've never said I am saying I'm a. huge problem but I'm saying I'm not the. only problem I've never said I wasn't. any problem but I'm also when we say. pulling out of the emergency fund for. things I'm not the one that's pulling.

out for. things she's the one normally pulling. out the emergency fund. so I mean I did I do have a spending. problem I I know I do like I know I'm. out of control with spending I'm. confused we talked about before we. started filming you found this show. through George camel you found George. through Dave you've been through a live. event with Dave you know he be against.

all of this dramatically you've been on. that path of relative being surrounded. by the knowledge of how to not be a dumb. money and yet we are in still doing it. so like what you obviously just don't. care vacation's more important than any. Financial stability or any fixing or any. change of behavior right it has to be. it's got to be yes because this is a. daily watching Financial videos and.

doing all this on why watch without any. action I'm. confused we we we might have action for. half of the month and the other half is. let's go do whatever we want get a. little fire into your butt for a moment. and then and then you're done yep why do. you think it falls off cuz I impulse by. and I regret it. after I can go to Target and spend $600. and then I can take it all home and. regret all of it then return it but I.

don't okay so then I. just I'm negative $600 for going to. Target and how much is this loan that. you took out that he doesn't know. 6,000 almost what you bring in after. taxes and everything on a monthly basis. immediately a month has to go to that. how much was this vacation you took out. 6,000 no the vacation was. 4,000 what kind of life style are you. guys living champagne taste on a beer.

budget it seems like. uh kind of spend when we want to spend. um what goals do we have for you guys. for the kids where are we trying to be. looking 5 years down the road 10 years. down the road 20 years down the road. what are we trying to do because right. now we're just living for fun in the. moment what are we trying to do do we. have any combined goals. goal I don't think we have a goals.

together I want a house in Palm Beach by. 40 and I are you going to be able to. move no I want a second home no she. wants a second home which is ridiculous. I've let's talk about something every. business owner fears running out of cash. when you've got payroll to hit or a new. project on the line I've been there when. I started the show managing cash flow. was a straight up night M between. payroll new equipment and scaling up my.

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with relay by your side so check out the. link in the description and claim the. $100 signup bonus today let's jump back. into the episode you guys are you're. spending 3,000 more than came in on this. last month I understand and I I don't. want so what the are you talking about. well how much is a home in Palm Beach. like. 700,000 like 700 is that nothing I think. we can get a loan for it by. 40 okay well I'm confused you're again. you're the one that watches the. financial content on.

repeat are you there just for the. entertainment and you don't walk away. with anything who no one would advise. that that I know of I mean I have a. problem I need to fix it oh shut the up. if you have a problem and you know you. have a problem this isn't like it's not. like you're an alcoholic here you know. my spining is out of control absolutely. but you know this you acknowledge this. but I don't change it I know and I'm. asking why why have you done nothing why.

have you put no action behind this I. need to know at least your own self. assessment I need to know as well I mean. I've done charts like no spinning charts. on the fridge I've put them up I've done. like ringlets of our dead like little. paper rings and hung it up stupid little. things decoration our house i'. like I just don't follow. through you said it really well earlier. she have fire for a while and then it's.

on to the next thing on to the next fad. or onto the next let's do this or that. and for my side it's I look at a lot of. okay are our bills paid are we have roof. over our head are we fed are are our. kids safe are we. safe okay whatever is left after that we. Auto automatically put stuff into. savings um that we don't touch. but after that I kind of um you put.

money into savings you don't put any. money into. savings into he does not put any money. into Sav into our 401K every every. that's I don't consider that savings you. you guys are taking loans against your. retirement accounts yes we have done. that we have done that before yeah. there's two so well it that doesn't even. matter if we're putting money into there. if we're just borrowing against it yeah. but why what are we what are we. borrowing for so we borrowed to buy our.

house that was a second one that was our. the down payment yeah your 401k loan was. to put down for our house and they. didn't even use. it but we took out to put down for the. house and they didn't even put it down. for the house they didn't even put down. the 15,000 that we took out you me they. just they put down like 2,000 I don't. know why what are you talking about the. people that sold us the house fin you. tell them where the money. like you tell them what to where this.

goes to um rest go to closing costs is. that what you're saying we didn't like. we didn't have any closing costs where. did the money go it just stayed in our. account and then we paid off his truck. with it I. believe I don't know that was four years. ago I don't know I don't know I'm so. lost all right let's get into these. finances I want to see self assess where. do you guys think you are I'm going to. say 3 2 1 go on go I want you guys to. give me what you think your household. Financial score is was zero being the. absolute worst 10 being the absolute.

best where do you think you are 3 2 1 6. 4. the what is this delusion you said zero. being the worst so I and 10 being the. best four how do you think you're above. a solid like down the middle five you. guys are barwing against your 401k you. just your wife opened debt to pay for a. vacation that you had to take for a. birthday thing so what the we had a four. or a six. yeah um I guess it's because I I know.

that we can we can turn this around and. get out of debt. um can but you're not yes and the score. isn't a hope of what you could do it's. what's happening okay well then I I'll. go back to a five I least think we're. we're better than than the average for. sure well we'll see we'll see there is. retirement but again we're borrowing. against it that is what is going for you. is the retirement but we're kind of. negating it. all right let's start looking at these.

STS if you want your hmer financial. score it's free Link in the description. below and if you guys want to be on the. show Caleb hammer.com. apply all right Delta Sky miles great. for all our vacations all. right so on here we owe. $1,230 15 the minimum monthly payment of. $40 this looks like it's interest free. oh well I don't know about interest free. you paid off the last balance but you.

did immediately put another. $2,132 on. here so what is this card who manages. this. card what do we even know what's. happening on this card explain this card. she kind of manages all of our. financial for the most part which is I'm. so confused cuz you just you're. complaining about the finances but why. then are you not involved why is she. just doing why is it just put upon her.

now I am involved but a lot of it is she. really enjoys doing all these things and. and she gets so so caught up in all the. the financial stuff and $3,000 went out. more than came in last month yes so I'm. I'm confused for me like I kind of said. earlier if making sure that our our. bills are paid and that our but roofs. overhead. kind of my focus there's a late fee in.

these statements oh there's probably a. few so if our concern is that the bills. are paid and the bill wasn't paid on. time. yeah so obviously the system's not. working. correct so what we've done nothing to. address it to get more involved to have. these open honest conversations sir you. like doing it that's great you have fun. with it wonderful I think as a couple we. probably need to sit down and go over. our finances on a monthly basis. age but why haven't you guys that's just.

what I'm trying to figure out from this. whole conversation is okay we seem to at. least know we know what's right but you. guys haven't done anything regarding. what is right and you're not able to. give me a why other than I like spending. yeah I don't I know it's um oh how are. you guys ever going to get anywhere if. you can't like just acknowledge any.

potential reason because if you don't. have a reason that we can start focusing. on how are we going to address it and. find a solution if we don't know. why why haven't you been willing to get. involved with the finances more or why. haven't you been willing to allow him to. be involved in the finances more. whatever it is why we have done where we. have monthly meetings and we'll go. through all of our budget and this what. we're going to go.

through but but the second we get you. know through this budget and halfway. through the month all of a sudden um. something shiny will pop up and budget. went out the window and it's not my my. shiny that normally pops up I'm not. innocent and by no means but she is the. does his opinion of your shiny not. matter yeah it does but the shiny just. ends up being purchased and the budget's. out the window so he normally lets me. buy what ever I want to buy is this true.

yeah why don't you put your foot down I. mean there needs to be accountability in. this yeah on both sides and I I think. I'm just as guilty in all this because. I'm allowing it to happen you guys just. enable each other yeah before we. had we were making good money and kind. of did whatever we wanted since kids uh. we had we had way more debt before we. had kids we've paid off some of the debt. kind of that's been years ago it's been. years ago like we've grown we gained. more debt other sides so but our total.

was a lot less before. kids I want to know what happens at the. end of the month once we've done the. okay here's the beginning of the month. we sat down we figure out our budget. okay halfway through something Trin to. came up we purchased it what happens at. the end of the month for the next. meeting she'll normally have to pick up. work and I'll have to uh stay home to. help watch kids while she goes to work.

so we pay for so the conversation just. becomes how do we go and pay for the. shiny it doesn't become what was the. shiny was it worth it and how do we. prevent it from happening the next month. that's the conversation that matters. more then why isn't that what you told. me it's a lot of it speaking on deaf. ears sometimes it's like I will tell her. why do you need that why why do we do. this and then what was the last shiny. besides this vacation you guys just went. on what was the last shiny I want to. hear how this happened I mean I got.

Botox where at the spa it's like6 or. $800 where's the. botox what do you mean where where is it. in your body oh my forehead okay so. you're avoiding the permanent lines yes. okay how much was the shiny Botox it was. 600 who cares if you get lines dude's. already starting to get gray just oh no. it's not kind of it's gray it is a lot. of gray it's infected okay but it's not. just like botox she'll do uh I think.

it's time to embrace the dude's already. growing old you don't want to look like. you're 20 when he's just. like it's not just Botox we'll do our we. don't do our own hair don't make our own. hair no stop he asked you what was your. most expensive purchase this no no no. okay so the botox was the last shiny. okay that I had. I I'm just I want who whoa whoa I just.

want to figure out the situation around. that cuz I just want to learn kind of. what your life looked like around that. um one that terrifies me I'm afraid um. better than going bald yep it's staying. in so I'm I'm fine with it that's true. that's fair uh okay so BS happen okay. cool how much did it cost it was 600 did. you just do it or did we talk about it. before no conversation before okay then. what happened afterwards cuz you. probably told him at some point that it. happened yeah how she'll tell me hey I'm.

going to get this done with no. monetary uh you know signal to it and. just just go do it and and normally I'm. like okay fine it's normally like when. I'm busy or I've got a lot going on I. just go okay cool and then after the. fact when I look at our bank account I. go well what what the hell happened I. didn't know it was this much why do we. do that well no and I can't take it back. they can't go in there and take you know. pull it out and gives me money. back so what are you going to.

do a lot of it is after the fact I will. give her I will not lecture but we'll. we'll talk about why we did this and. what went wrong well you normally just. give me a slap on the wrist and then we. just go about our spending who typed. that who typed that Jake if you're gonna. be a bully sing into a mic like a man I. don't have a microphone why don't you. come say this to them Bring It On come. come say it come say it Jake listen this.

is this is what I'm dealing with over. here guys this is what I'm dealing with. and I I am sorry. Garrett Garrett I'm sorry but I said. that you aged 15 years when you took the. hat off what was the other oh what was. the other thing that was said the funny. part oh uh that was actually Lindsay she. said. hatfish yeah hatfish say oh yeah hey I I. can leave it off and look look like an. old man I hate his long hair always. tries to get me to color my hair and.

stuff like Let It Be you you're trying. to keep them young that's right I try to. get him to do Botox too he won't do it. no I will not ever I'm not it's it's a. waste of money I'd be willing to do it. in the armpits to prevent uh cuz I sweat. a lot same but again that's I don't know. i' I'd rather spend the money on. something else. then I'm just so after that like I'm. just. did we decide that okay maybe this is.

not happening again. then sometimes that's said and then. there will be a couple of month period. in between and all of a sudden we pick. back up doing things like we'll do. cleanses. or we need to uh you know re redecorate. this area of the house or that area of. the house we need to buy this or that so. you guys are not able to like have like. adequate conversations that are able to. hold ground and then keep each other.

accountable throughout that is I think. what is very clear here is it's like we. can have a conversation we can be like. oh okay that sucks it won't happen. again but it always happens again yes. but you also failed to hold her. accountable and you failed to hold. yourself. accountable cuz swiping is more. important what if we didn't have this. strong income over here what would you. be doing I guess i' would be working. more I would more but I have to be home. with the kids yeah we have no family in.

Houston so it's just us but even then. like what we bring in shouldn't have. to need family in Houston for you to. work you don't have to work at all okay. so he two times a month and that's wait. he what he golfs he's in a golf league. okay so like on Sundays so it messes up. with me trying to work so I have to like. not work because of his golf because we. don't have anybody to watch the kids or. if I can't find anybody that true we.

have no one to watch the kids oh we'll. get a babysitter or it's hard on Sundays. to find. somebody we struggle finding people to. watch the kids or I'm just like don't. want to spend the extra money to have. somebody watch them so I was like well. I'll just stay home but even go to work. has golf whe whether you're working or. not with my income we don't need you. don't have to work at all yeah but I. like to spend so we do need but that's. that's the part we need to to work on is.

the spending that's yes I agree I mean. he just what he just said was 100% right. but you know this again you're in the. circles I'm so confused yeah I do know. it I don't know why I don't apply it. it's cuz you prefer the spending over. the over the I have a problem I know I. have a problem but it's but your lack of. addressing it clearly you enjoy the. problem more than any benefit that'll. come from applying any solution I mean.

you do you prefer that instant. gratification more than any okay I'm. going to keep going through these guys. for a few weeks only my new debt Mastery. class is 35% off plus the first 500 that. sign up will get access to a private. live stream where I break down how I got. out of every single scent of bad debt. and how I now use good debt to my. advantage we still have a few spots. available so get in now I'll answer all. of your questions there as well in this. debt program we don't just focus on.

paying down debt I'll show you how to. use debt to reach your life's goals how. to negotiate your debt and frankly. negotiate any type of payment with. anyone we'll also go over how to curb. those psychological and overspending. issues that keep you from living your. dream life this includes 10 tools that. you can use to Quicken your debt Journey. check it out guys limited time only Link. in the description below uh in here was. Chick-fil-A in Nordstrom and Chick-fil-A. in Easy. Lane Target who knows you know it could. be anything Sonic driving going to the.

gas station getting some [ __ ]. Chick-fil-A Tiff streets Tiff trats not. even good. anymore uh Chick Chick-fil-A Shipley. Donuts some Museum Chick-fil-A went. inside got some BS from a gas station. Magnolia and a lot of financed. flights Miami that was for our trip so. yeah why can't you get a hotel in the.

where you on a second house West Palm. Beach is it going to be a beach house. not on the beach just then it doesn't. matter get a hotel whenever you want to. go then right right or or else why why. do you need a home there. oh we don't we don't need a home there I. don't want to have another home over. there but she's adamant on having. another home have you ever won any of. these purchase conversations I'm. probably going to kick him out of the. house if he wins a. conversation that's false that is so.

false like you no we we have these. conversations and I will make a great. point and I will I could tell you that. this this desk is brown and there'll be. a but no it's it's really green or black. what I'm trying to figure out is just I. mean there's just no consequences you. just you win and that's it I mean the. consequences are now you guys have to. pay off your debt uh and you know you. know goals for the kids and everything.

are put. off gosh I hope my breath doesn't stink. I'm on I'm taking Pax loid right now so. I can get over this. quicker and it's making my tongue like. it automatically makes your tongue taste. like absolute death but I don't know if. that translates or if it's mental like I. don't know if it's a real taste or if. it's fake I can't smell anything up here. so that's good CU it tastes like a. battery has opened on my mouth and it's. really disgusting. oh and you can't get rid of it it's so.

bad um okay we kind of talked about her. financial like my financial goal like. for our future you know setting up for. our kids and putting being able to get. them through college where we kind. of her goal is to get a house in Florida. what why Beach not why why can't in a. hotel and it is Florida I mean my dad. says that like the sand just eats the. houses away so that's just stupid but.

yeah I just want a house in Florida but. why why I I don't know you don't have an. answer to anything I just have a goal so. that's my goal like this why is that the. goal versus like paying for kids college. I think it's it's because she gets all. these ideas and from from watching all. this content and stuff and going well we. we're budgeting if we pay all this off. we we'll not bud we're not paying.

anything off but we're not and there's. where she gets these ideas like oh so. now my goal can instead of having short. goals to get to the big one she goes. straight to the big one and forgets that. oh we didn't meet this short goal we. didn't meet this next short goal wa who. else you watch I want to make sure. you're not watching like some Finance. person that's just like go buy my houses. like okay I know you watch Dave you. watch George you watch this what else do. you watch I watch the ice coffee house. yeah house yeah they I mean they're also. not in support of what you're doing so. I'm confused like who.

else there has to be someone you're. watching that's like. corrupting no no you're watching. everyone that all right and then we do. this no I've gone to the studio and I. felt like so like when I went to like. Nashville and watched the show live okay. Daves yeah yeah I left and I felt just. like disgusted. with yeah well we make two of us wait is.

this conversation even going to be. helpful I mean you went there I don't. like this that was like four years ago. and this is where we are four years. later so obviously we can't pay off our. debt me just like I. I I don't know if I have the energy for. this uh to like I want to figure your. out but it's like at the same time I'm I. am running at 50% I'll be honest um and. I'm just like you obviously don't give a. sh one does what do we do when 50% of.

the relationship cares are you saying. that he cares from this conversation. it's at least you haven't at least. suggested that he doesn't he just is not. like like you said he doesn't hold me. accountable he's he's not doing. the sit there and looking at all of our. budget I'm just making sure that we. are trying to reach some goals what can. he do to hold you accountable though so. he'll have the conversation right and. we're not going to have him take a. baseball bat and slam your head in if.

you don't do it so like what can he do. he's not going to kick you out okay but. obviously you. know I mean like every day why you spend. so much money on Botox why ruin it with. a bat have to refix it freaking we would. have toix what can he do that would. actually I mean take cards away from you. like you're a child like what can we do. for you like at a certain point you do. have to to be a 30 what 4 yearold adult.

that's that or do we have to treat you. like an. infant and not have the ability to spend. $214 in a single month on Chick-fil-A. yeah I do like my chick-fil-et. apparently well my kids more than your. yeah well I would like them to have. whatever whatever you put in front of. them like it doesn't have to be chck I'm. not the only one that spins though he. spins on all the statements that you get. that. are gas station it's all him I do not.

spend anything at gas station what are. you getting at the gas station nor uh. tobacco dip snacks snacks always snack. well why why aren't you why haven't you. upgraded to the Zin life not that I. support that either but at least it's. not cancer causing as far as we know as. far as we know uh okay but we know the. one you have is cancer causing like. those you want to be around for the kid. yeah okay maybe we don't do. cancer.

intentionally that I understand and and. you're good with that if it if it was. just for the cancer part but if it's the. financial side of it uhhuh it is. expensive it is expensive it's expensive. habit even getting more expensive oh and. I I I know it's getting more expensive. and I know you want to lock in for the. oil but I I've have cut back quite a bit. on what does that look like going from a. can and a half to two cans a day to one. or one every three three days now okay.

three to four days instead of one a day. how long has this habit been since I was. probably 14 oh man yeah a man working in. allil with his dip in his truck living. in Houston Texas yep you're living. living up that. stereotype. um where are you on the desire to quit. this don't really have any desire to. right now. he's addicted to it uh-huh but a lot of.

people that are addicted do have a. desire to quit even if they're not. quitting why don't you have a desire I. mean what about your kids like they'll. see you doing this they they're very. impressionable like they they'll want to. you started at 14 what if your kids. start at 14 it's not just expensive but. it's leading to higher I mean you're you. could lose a part of your your one you. could get the Zin thing where you're. like for the rest of your life you know. like looking dumb and then or you could. just. you know have to have gum surgery at. some point cuz the.

dip and it's disgusting let's be honest. yeah nasty looks gross smells gross. they're not on our own baseball. field and even if we no one watches that. sport anyway now so I'd be willing to to. try to get stop I've tried before in the. past but this is the dude you. got the kids but I was always like you. need to stop before we have kids and so. he's like okay and then we have you like.

kissing a dude that has tobacco all up. in there I mean it's the pouches so it's. a little different than just like the he. has Che. today yeah I mean his breath his breath. definitely from depends on on which day. I mean yeah it's bad and I need I need. to quit you're right okay will you I. will try I will definitely easier said. than done I know oh I know I've I've. tried I've got I've done even going. offshore where I'm out there for 2 weeks.

and know that I'm going to run out I I. intentionally stop so I I'll try to quit. and the second I get back home I start. it up it's a tough thing to stop but I'm. predicted I will try to uh cut that that. little part of our budget spending. out it's okay we all get together and we. boof uh alcohol after each s to. celebrate so. we're not that much better I don't drink.

that much so yeah we don't Dr I'm just. spinning it on Tobacco nether do I. tastes gross okay and then what is this. so we have a $6,000 loan here with a. 25.7% interest rate is this this this. this is 6,000 is this one of is this a. special secret loan yes so a lot of your. loans are kind of 0% interest but the. secret loan she's taken out is at. 25.7% interest rate you're not beating. this in the market yeah but if you think. about the card that I put the money NE. on the ins rate we would get is like a.

charge of like 100 so this was the one. that paid off the card yeah it didn't. pay it off fully oh for sake what card. was it it was my Royal Caribbean card. what Royal. Caribbean do we go on debts or do we go. on vacations that aren't debt. funded cuz this did pay off a different. vacation essentially I don't know okay. then we're not going on vacation year. 2025 is the year with without. vacations love it you live in the city.

in Texas sorry but you're going to have. to stay there a little longer without. going anywhere else you got the armpit. you know you love Florida you live in. the Florida of Texas so just without the. nice speeches but you get the humidity I. mean I already booked a 2025 vacation. can get a refund I'm sure you selected. the insurance thing it be like family. death huh I don't know trust me everyone. in the world that applies on the show. all of a sudden has a family.

death they come up a lot which by I'm. saying that's the excuse that everyone. makes oh I know yes um I'm all for. cancelling these trips I don't want to. cancel it I you don't want we need to. like we need I don't want this to be 2v. one I feel bad but come on this is. should be sitting next to you cuz we I. have these same conversations a lot like. why do we do this well hold on Mr dip. man I don't I'm not I don't want that. garbage next to.

me but come on what do we have to do I. have to treat you like is what we have. to do is treat you like an infant to get. you like is it that you have no access. to spending money anymore because I. don't want to cancel the vacation that's. not in the. game what do for pain for our kids kids. college where are. we we put do you want.

to yes okay where are we then I mean we. started their 2 529 plans M how much but. we only put we only put $25 a month joke. so we care about this vacation more than. our kids. college you do your actions are saying. you do. okay you want to tell them that at 18 I. cared about a vacation when you were. three and five at that.

time more College I don't want to have. to tell them that well that's what. you're going to have to tell them cuz. it's going to be your. fault all right guys I get it you need. more financial audit so we've decided. now in our membership below you get two. exclusives seen nowhere else uncensored. Financial audits every single month oh. good no way your couch hopping places I. like stay at for the job you're relying.

on bookings for a place to live. yeah also three post shows a week for. every Financial audit you're seeing. right here on YouTube in the post show. we have an extra 20 minutes for every. single episode where we go into more. drama that we didn't uncover in the. original episode we can't find you on. Facebook did you block me on. Facebook no no way and then included in. the membership every Tuesday we have a. member live stream where you come come. in you hang out with us we answer your.

questions and the whole crew gets. together we play games we mess around. and we chat with you I have a pair of. salmon shorts on that desk ready to. change into right after this so you. dress like smoking for the first time. when you go on. dayy then there's always extra bonus. things like for example an office tour. the team grew we have to eat out of here. now so this was going to be the fun area. now it's not we upload hours and hours. and hours of extra content just for you.

and it helps support the growth of this. Channel and the growth of this business. join the membership Link in the. description below or you going to cancel. this vacation like a 34-year-old adult. that sometimes needs to make decisions. that aren't super. fun yes all you got to say is yes we're. going to cancel the thing it's not that. hard I can cancel this I don't know what. to do here I don't know what to do I. don't have the energy for this dude I I.

don't have the energy for this man I'm. at like 50% and you can't I can't even. get you to say you'll cancel a vacation. going all this I will cancel it I don't. know what even is this de so I can just. label it it's upstart. okay I hope there's something to yell at. you about cuz I do feel bad but come on. what the that's the most childish. thing and you're taking out debt without. him even knowing what's the minimum. payment on this thing. 159 congratulations you have $159.

minimum monthly payment that you have to. take care of now with your income cuz. you only brought in a few hundred. bucks all. right Pottery Barn card we have a. Pottery Barn card I've never even heard. of that yep what are we doing better. been some great well I went to. I saw their house and I was like we.

redecorated yeah we did we got new. coffee tables cashow you guys make money. people to come over in our house not be. not decorated cool no no no do it cash. flow you guys make money I know but why. do we have to go into de for it this we. don't have to buy the most expensive. thing either when we do it here we go I. I did buy so part of that Party Barn was. that uh did I get a desk from that one. no no I thought I got a desk from Party. Barn I don't but there was a p do fee. you eventually made it up but there was.

a p do fee yeah so we're not even. responsible enough to pay it off and. you're the one in control the finances I. just forgot about it and it wasn't on. autopay didn't forget to get BOTOX no I. didn't forget to do that well we forgot. to make a minimum monthly payment I. called them and told them hey I forgot. to make it like you can look at my you. know account and see that yeah and see. that I've paid it every single so they. waved it okay promotional balance. through essentially right now actually.

some of it just ended some of it ended a. couple weeks. ago and some of it's ending in a week. from now and so interest is going to. start 32.242262. [Music]. I always make like I don't have Mis. payments on you I know I did on I told.

you it was not on autopay and I forgot. about it and I was like crap so yeah I. did miss the payment but like my normal. my normal routine is not missing what's. normal this is normal this is the month. that you live this is normal yeah I. guess I guess so okay okay here's uplift. so not upstart but here's the other. secret loan right yeah this is for our. trip that we just took great that uh. trip is at 20% interest yeah not good.

awesome so again as I always say I open. my brokerage MooMoo and I'm getting in. the S&P 500 you know all about it you've. watched Graham he talks about index. funds like someone addicted to them. wonderful you know that you're probably. getting 8 to 12% a year up and down. years combined on them this is double I. mean this is double so it doesn't even. matter it's like what are we do I just. don't want understand I mean I mean. first of no birthday of yours even.

matters until you're 59 and a half at. this point you're not getting no. birthday is different I'm about to join. the 30 Club nothing matters anymore no. birthday matters anymore I just like. taking trips on our. birthday but we don't have to like we. can if it's or we need to build memories. out and so we can build memories at the. house I don't think we took one last. year good cuz you're not taking one this. next year. not last year on your birthday but we. still took one in October on our.

daughter's oh yeah we did go to. Disneyland yeah and she does not. remember it she will not remember it I. know no but it's like it's a tradition. we took our son but it's a tradition. that we don't need to have it's a. tradition you just started they're. barely. alive they were just. Birds tradition this isn't some historic. tra tradition from the 17 first birthday. last year so a first is like a milestone. so is that even a.

tradition it's cuz you wanted to do it. it's not for her is for you and that's. if that's the way you want to do it. that's fine but like we don't need to do. these we we need to pause until we get. all this stuff done I don't know what to. do here I don't know what to do here. guys feel like and I don't even want to. I'm not even I don't I don't want to. even necessarily just be on your side. and say you're doing well cuz I don't. know we haven't gotten through all this. but it really feels like half of us. wants to at least do okay and the other. half doesn't give. a I do care but no you don't your.

actions do not indicate that whatsoever. you might have a part of you that cares. but you're wanting of going to Disney as. a firsttime. tradition outweighs it Botox outweighs. it Chick-fil-A outweighs it a new home. in West Palm Beach outweighs it so it. can get destroyed in a hurricane. outweighs it. so yeah you might care but all the care. for the fun and enjoyment the instag.

gratification is what you care about. more so. $3,143 is out on. here uh with. $160 for your monthly payment 20%. interest okay Apple card. $3,000 it's mine oh I'm shocked I'm. shocked to learn this what' you. get I have no idea what what did we get. cuz we we opened that card to uh she she.

needed a new laptop her laptop was fried. it it had been a long time got her new. laptop um I got a Bonus and we knew it. was coming we paid off that Apple card. yes we we paid it off and then all of a. sudden I charged it's got a balance. again I don't know what I I don't know. what I are you kidding me open up your. damn app for me then open up your app I. don't think I can. what because I haven't it's been charged. maxed out since like April okay so I.

don't know how to like go look well I. mean open up your wallet app it's in. your wallet okay oh good not even know. how to access it no I do I just thought. the. statements I can look. back I have that magical ability of. clicking a few buttons transactions okay. n no let me look hand it over. ah crumble so we are we have upgraded.

from the Tiff. streets yeah that place is pretty. good posmart okay well you're just. you're I mean you're still I mean. LLC that's for a conference that he's. going to oh yeah a Christian Conference. in Dallas next. weekend okay you can kind of go to those. for free on Sundays I don't think we. need to be spending money there's a. conference that happen happens most of. those religious places yep.

yeah Poshmark Great American. Airlines so man I was going to I was. thinking dry bar Panero bread H&M I was. I dry bar church so let me we're come on. what is what what there like the. cafeteria or like the cafe pack of. lunch Chick-fil-A Chick-fil-A you go to. that cafeteria every second of your life. Olive Garden oh okay I thought it was. going to be a big purchase that got us. up Fleet.

Feet uh European Wax Center got to get. wax for. church uh lift door Dash. Papa Carnival there it is there's some1. $600 there Target. $280 yeah we took a cruise for Spring. Break and then I see the payment that. likely came from the bonus all the way. back in February mhm yep gosh and then. from there just a bunch of little you. know what happened immediately after. that vineyard's vine $67 yeah we went to.

the outlet mall and then I got a little. crazy we didn't you didn't we didn't go. to the outlet mall you went to the. outlet mall he stayed in the car and. then he's like why are you taking so. long and then I charged like however. however much $600. yeah but it was all on sale like it if. you're going to spend something like. that call me before you do it and I. could probably talk you out of it in. that moment the thing is I know you guys. know how to like do stuff I I want you. guys to go through our budgeting class. together I want you to go through our. investing class together I want you guys.

to go through our debt class together so. you know the best ways to get out of. debt and the best ways to utilize that I. want you guys to go through that take. the educations you guys get them for. free uh for being on here but again it's. like just like our audience can go. through them that's just a part of it. it's like me going through math class. you know I get the education but if I'm. not internalizing it if I'm not putting. anything into practice it doesn't matter. you know if I'm just going through it to. be able to take the test in Ace doesn't.

matter you know if I'm not learning the. life skills and that's what concerns me. is you guys can talk about what is right. but you don't do anything and that's. just what concerns me here guys and. that's why I'm almost defeated in this. conversation yes okay sure I'm not. feeling great so I'm a little low energy. okay great but also it's just like you. guys already know what to do and you're. just not doing it and what can I do to. make that different a lot of times that. is most effective on this show is people. come in they think those situation is. better than it is and I give them a. wakeup call and I can connect them with. resources because I already know what to.

do and you're just not doing it and I. can't force you guys to do it that's. something you're going to have to. something's going to have to happen a. rock bottom or who. knows that's just going to have to be. like oh now I care more about this than. doing all the. fun so I really think that you telling. her a lot of. this because I can tell her something. and then 2 seconds later someone else. will tell her and she'll say oh someone. just told me the answer to this question. when I already gave it to you yeah but.

also but I mean you've been following. all. the so all the finance. stuff I guess I just watch it for. entertainment and I don't apply guys on. Care Credit we owe. 8,423 what is this even for I got my BRP. done but it was like. [Music]. 14,000 why. it's 14,000 for. the.

yeah. yep was this a requirement was there was. this for you was was it pressured no I. just wanted to get it done in the. springtime before summer uh-huh yes so. like. March okay I mean I for self-confidence. sure and again I don't really give a you. guys spend your money on if you budget. it and just but you're putting it on. debt it's this financed you have.

financed your are financed when you. telling people that yeah I want you to. go ahead and walk around on church on. Sunday and go up to the pastor and be. like yo these they're financed guy no. that's want you to walk around the. cafeteria there and be like. Finance the financed they're not all. natural from up there these are financed. I didn't get implants I just did a lift. after breastfeeding my kids this lift is.

financed guys the kids brought him down. this that brought him up okay yep we had. a conversation before you were in full. agreement of me doing this and ex I'm. sure he enjoys them I I either way I was. happy I didn't care I didn't you didn't. need to do this I didn't ask you to do. this this. was was your decision listen saggy lift. all I care is their Finance you ever. feel like you're just burning money on.

car insurance that used to be me every. single month throwing cash out the. window for a plan I didn't even. understand listen if you haven't. compared your car insurance rates in a. while you're possibly getting played I'm. talking about paying way more than you. need to luckily money.com has got you. covered by helping you compare multiple. car insurance options all in one place. so you don't have to waste your time. calling 15 companies like it's 1995 you. might take take a look and find out. you've been overpaying by hundreds of. dollars hundreds it can take just.

minutes to find a better rate they'll. give you options to compare side by side. whether you need full coverage liability. or just want to pay less for the same. plan you already have so if you're tired. of getting burned by fees click the link. in the description to checkout money.com. and compare car insurance options stop. paying more than you have to it's super. easy and you could bump up your monthly. savings rate that's a win-win this is a. paid endorsement sponsored by money.com. which is compensated by its marketing. Partners again if you cash flow I. wouldn't give a do whatever you want go.

go to Brazil get that BPL do whatever I. don't care you know but that takes. longer to cash flow it huh well no but. now you're paying for it you guys have. spend I mean yeah what the am I supposed. to do with that you know that statement. is incorrect in this conversation you've. watched the show and this is why I am. just. borderline so close to just being done. I'm just so close to just being done. guys it's like what do I even do with. that what's the minimum payment on the. Apple card I didn't get it.

$80 okay you have to pay this off and. interest starts occuring a year from. now get her back get a on. De all right Harbor Freight what is this. for this has man written all over it oh. we got a generator after the hurricane. that hit in. damn I don't want to be on his side but. that. is one like that purchase makes more.

sense than everything we've talked about. so far cuz I'm getting a generator too. my power goes out like crazy I don't. know why it's. obnoxious but again also we could have. cash flow it I know I think we just. wanted it right then so we're like let's. just charge it and then we'll just pay. it off yeah I mean that's why we did it. but why didn't you pay it off then. because other things came up and so that. got the back burner. what what came up the vacation well I. mean we were in a wedding and so like.

other expenses and then I went out I. flew out to LA to get my hair done so. that what the are you talking about no. one can do hair in Houston not really. okay that's. [ __ ] she flew her guy that she's. gone seen forever that she's from. Oklahoma um originally moved to LA so. because she's able to fly and dude get. connections just ask people listen you.

have next door written all over you ask. people on that app what their favorite. hair do person is okay it was like I was. in a wedding so I really wanted to go. out and see him and have him do my hair. so I flew out and saw him that's an. expensive hair yeah it was like $700. with. tip plus the travel well no the. travel yeah I just hopped on a flight. you flew there and back in the same and. then I flew home food no some coffee H.

that's still even still that's expensive. haircut it was color too I think yeah. she got her hair colored so it took even. day it was that's a lot I to for a. wedding that I was in I need you to get. me over the fear of flying I recruit you. on that mission oh we can do that cuz I. want to travel I want to be able to see. things well I mean you're safer in an. airplane than a car that's not my fear. it's being stuck in a place I can't get. out of I don't care about being in the.

sky well if you take enough like then. you'll be fine yeah you don't have to do. you know some kind of medication to get. over that fear yeah I would like to just. yeah be able to do it and enjoy it uh. what is this Memorial. Herman um my delivery with my first. baby but again um we've just paid the. minimum on it huh we just have been PID. pay just but I know you guys can afford. every just you guys make good money this.

is 1,000 bucks $30 44 Cent a month. payment this is I mean I've called them. multiple times and said hey I want to. pay in full can you give me 20% off like. can you give me a discount they're like. no so I'm like well they're not going to. give you disc Oh either way this is one. of many things that you could but that's. not like I'm freaking I'm not like. freaking out about that but it's okay. and then what is this $3,000. uh Celtic Bank oh a firm it's a firm oh.

I got a water machine a water machine. this stupid thing it's I didn't even ask. it's a water filter well I'm not. surprised that you haven't asked him for. like half this [ __ ] so I just I was. kind of pressured my dad was getting one. or he's a distributor so he like sells. them oh and then he was like you need to. get one right now and I was like well. Dad let me just wait till like you know. end of the year like first of the year I. me dad he got. sale out of you it's kind of gross well. no he I got a discount cuz they're like.

$6,000 so they gave it to me for like. three yeah and I'm sure three is closer. to the real price okay well that's what. that. is a water. system mhm and I love it why what what. it just filters the water no it's like. you're it's oh no it cures cancer like. it's the best water you what does it. actually do come old statement No it. like it's. seriously what does it do it's just like.

ionizer yeah so you you you can pick. which level of alkalinity or acidic. water you want so it's like you know. like when you drink like ph10 water like. you know Smart Water like different. phes I don't care drink it out of the. hose we didn't need that thing okay and. then home what is your home worth now. guys do we know 408. okay so you have a great Equity position. you owe.

$264,800 it lower than 3% interest it's. incredible so that's fantastic there. nothing to complain about here. $2,412 a month. okay Bank of America card some purchases. on here interest charge. $167 yeah that's my rule of Caribbean. card. huh you so this is the one wait but it's. at its limit. yeah so it was maxed out then I got the. so then I got the loan the $6,000 this.

is where I'm against this is where I'm. against credit consolidation for people. who don't fix their behavior first. because this is like I know so like. yeah you just put it back up and then. you're in more death than you were it. just gives you the ability to. not figure it out I mean I guess you. should just give me a pacifier since I'm. an. infant listen I'm just I'm just I'm. confused like I actually don't know what. do we do other than take it away or you. change it but you're.

not so I I don't. know right I mean what would you say. what would your solution here. be you've tried it all you. say you're at. $6,900 three on here that's why I got. the loan because interest is like 16 I. don't give a but you brought it all the. way back up. again yeah. okay great with a. $234 minimum monthly payment $99 of.

purchases great $167 of Interest takes. 23 years to pay off the way you're doing. it well actually that's without any. purchases uh affirm great so we're air. we're a we're paying for an affirm. payment on another debt so we're debting. we're we're affirming an affirm. wonderful and then shop Flav. City who knows interest this year so far. on here. $1,000 great it's like a 1% tax from.

your guys's take home on a yearly basis. 1% immediately just gone just cuz you. refus to be responsible with money okay. two 401K loans the mid one at. 1,183 and then the chunky one screams. fresh all over it at 15,000 it did we. just do that what was that to pay off. personal loans that I paid off credit.

cards with so I'm Bas an endless K can. down the road. yeah so what would your solution be my. question is still there what would your. solution be CU obviously cancel the. accounts like I need to call my roller. Caribbean card and like call and are you. sure you wouldn't just. immediately put this all on debit though. your would your spending even change but. debits cash. yes but you're taking away your ability. to put it on credit yes that helps okay.

but you haven't fixed your behavior. again so You' still be spending the. money how do I fix my behavior the be. that comes down to you that is the. discipline of maybe you need to check. your budget on a weekly basis and make. sure you're holding yourself accountable. I'm just like how do we hold you. accountable though that's cuz what I'm. figuring out there's no consequences to. your actions cuz oh you guys are. disagreeing then you're lovey-dovey. again and nothing ever matters not that. I want you guys to fight or blow up or. anything like that that's not what I'm. saying either.

um it's just like yeah I don't know. you're not facing any consequences for. your actions I'm really trying to think. and my brain's not at 100 right now um I. mean closing they account I feel like. that prevents you from spend but then I. like delete apps I delete my Instagram. like I'll delete Amazon apps delete the. Target app like see something shiny on. Instagram or like oh we need to do this. or that so it pauses pausing it does. help but we've we've really got to. tackle the spending problem not the. where it comes from it's just.

spending savings account basically. nothing 54 bucks in there 576 in this. Fidelity account what is this we have we. both opened up IRAs Fidelity yeah okay. College savings. [Music]. 1,300 and then 400 for the. other this one was the great one I'm. assum is this your 401 1K at 289,000. that's great but I just we're borrowing.

against it how many years ago did we. borrow against it it's been a while well. was for the house so for the house um. yeah but then you just did another yeah. I did mine the 15000 that was on her I. thought that's on my retirement oh this. one the 64,000. yeah get mine should be paid off this is. what sucks is like compared to a lot of. people that come on the show you guys. have a halfway decent retirement just. put you up with everything else I mean. would we're not the same page if we're.

gonna pull out from our 401K why would. you pull out though no no what isn't it. smarter to do the loan than potentially. but again you're not changing your. behavior you're just kicking cans on the. road I would have rather you just not. get you shouldn't have gotten in the. first place which just pay off for. personal. loan then after you get a home in West. Palm Beach which I don't even what's. special about West Palm. Beach nothing then you're going to want. to get a third home somewhere somewhere. else you you you don't you're not you. guys can you guys have money where could.

have such a nice retirement and you guys. potentially could get a second home at. some point but even without a second. home you guys could actually be living. really good vacation. Lifestyles uh but you're just throwing. it all away right. now yep on fast food and you eat most of. the fast food like besides the. Chick-fil-A like yes I only like like to. eat Chick-fil-A but the Taco Bell I will. not eat there that's his charges like. all the other expenses that are food is. yours I I and I am not backing down from.

that I'm all about your miscellaneous. bull could be things like video games it. can be anything it was $1,000 or 10% of. your spending but again of the percent. of your spending you did spend $3,000. more than came in going out to eat was. $1,143 or 99.7% of your. spending subscriptions. 3% savings 6%. great I'm always wanting him to like add. to savings but I'm the only one that. adds to savings I put like $300 in our. savings every check you guys could be. doing so much.

more I'm just it's just I don't know. okay let me get some of your living. expenses I mean this should be a. relatively easy thing the thing is it's. just changing your behavior and I don't. I don't know you've been trying to do. that since forever and I don't know. what's your phone bill. 174 do you own the phones yes gosh you. got you don't listen to anything that. you watch. hopefully the other version of you out.

there that's watching this for. entertainment actually learned something. and decides to fix their life this time. car insurance I know you guys own your. cars right now but car insurance is how. much um 109 it's not. bad gas room V drive drive $200 across. both. yep your. mortgage is. 2,412 and utilities Al together how much. 250 for electric and then water is like.

150 let me get your debt minimum the. payments besides the. mortgage this is insane it's over half. what you guys put towards your mortgage. you're just paying towards PA ifications. $143 and that's not even including the. uh 401K loans because that gets taken. out before you get paid. Okay Internet. 110 jeez what do you guys.

have at T&T we up it though to have like. it faster and it's not faster but they. told us it would be it is faster for. Wired connections not for your Wi-Fi. Google Fiber is like 50 bucks for a gig. up and down I'm confused I don't know we. got fiber optic over and AT&T is what. our area so that's what we've got okay. groceries we should be able to do. groceries that fluctuates on what kind. of Health kick are we on $800 I think.

you can do that meal plan meal prep okay. TP fund anything else you need to. survive and this is for extra things for. the kids as well 250 bucks medical. co-pays anything we need to do on a. monthly basis um his medicine's like $75. 75. yeah okay and gyms 87 a. month you're probably canceling your. golf thing for a. moment I was getting a trainer for a.

while it was like caning. that. yeah subscriptions no do you guys have. pets no no. pets anything else that needs to be in. your budget that I'm not taking into. account yet we have home security we pay. that how much $48 a month and then we. have a boat storage we have boat storage. good wait one second yeah one second how. much was your water again 150 okay uh uh.

uh how much was the home security. 48 how do how often do you use this boat. we haven't in know quite some time um. we've talked about selling it sell it. but it's get the storage oh yeah I'm and. I'm we're totally fine with that just. haven't had had a chance to yep sell it. do it how much do you think you could. sell it for low end low end low end. 15,000 there you go sell it please I. don't care if you're taking a big loss. sell it oh and that's I'm I'm fine with.

selling it we've already kind of put. that out there we're going to do it. anything else you need to survive no. okay 6,068 to survive minimum I mean if. what you're saying is true I'm going to. just bring in a th for you actually but. 9,677 comes I mean this is so easy this. is literally. just I mean your I'll even give you I'm. giving you uh I'm giving you $400 for. fun so go ahead and throw that in I can. rarely I'm giving you guys $500 for fun.

well wait because like in November we. have like HOA for the next year so. that's like $800 okay HOA you have to. pay all up front I mean they want it's. due January for the next year January. 2025 so we'll get it November it'll be. like $800 you need to pay okay okay and. then like the kids have well hold on. just set set that aside $800 okay so. we're adding 66. could we could slowly save and put that. aside hour dump it off in one spot. what's the kid thing so 67 hours a month.

their program is 625 a month hold on 625. what what are they doing they go to. Mother's Day out twice a. week from a it's called it's mother it's. called Mother's Day out it's a daycare. twice a week why you're at home just to. have social interaction with other kids. okay take them to the park or just find. something cheaper there's other things. go do it with them during the day you're. at home canceling that cuz it just. doesn't make sense now if it was daycare. so you're working and stuff that's. different but this is just like go go to.

programs that are cheaper you don't you. do not need to be doing this correct. it's. cancelled I'm giving you $500 a month. for fun that can be included for the. kids taking to the kids doing things. okay okay and having social interaction. and you know maybe a uh I guess t-balls. starting soon for one of them probably I. don't. know there you go there's there little. interaction so with. that 9 6 77 minus 500 minus.

6,068 and then minus the 67 that you're. saving for HOA you have an extra $3,000. a month oh no what do we. do we spend it nope not anymore I gave. you $500 for fun I'm saying in the. P you guys are [ __ ] K me this it's. just so easy you just and this is what. concerns me is again it's just like we.

can figure this out it's just all about. you got to keep each other accountable. maybe do coup's therapy but I mean we do. do. therapy we do therapy harder or find a. different therapist $ 49,1 185 a debt um. how much is it $ 49,1 185 a. debt I mean. barely over a year it's a year and a. quarter and you guys are debt free it's. the easiest thing that's ever been on.

the show get an emergency fund call it a. year and a year and nine months be. conservative say two years but that's. the easy it's so easier than everyone. else on this show you guys are in so. much privilege you have no idea. literally requires the most basic. sacrifice I'm done this is just so easy. just do it or don't decide to live a. great life or don't that's your choice. and at that point like I don't give a. this hasn't been put upon you this is. your choice this is your choice you have. the easiest way out of this than almost. anyone that's been on the show and if. you choose not to I have no sympathy.

because that is your choice but you guys. can live an incredible life and that's. up to you and I'm [ __ ] done spending. budget you over spend zero out of 10. debt there's no collections or anything. like that the that's pretty bad but. again for your situation numbers wise. not the worst in the world you just have. to take care of it three out of 10. emergency fund one out of 10 cuz we. barely have anything started retirement. okay for your age for your income that's. the thing that's going to be holding. this back what do you want to be going. to give you a.

solid the 401K loans are going to go. against you 6 out of 10 there real. estate owner home great Equity position. great mortgage uh good great rate I'm. going to give you an eight out of. 10 and a financial score 3 and2 out of. 10 I'm going to bring my producers in. here we're going to talk about extra. things that they know about you that I. don't extra drama in the post show make. sure you guys are are joining that uh. description below and also make sure to. check out our new debt class where you. can see how to get out of debt the best.

ways possible but also the best ways to. get into debt that'll actually benefit. your life we go over all of it make sure. to check that out before the price. raises at the end of the month join us. for the Post show today on the financial. audit post show why didn't we didn't get. to talk about private school because. what the are you talking about well I. can't send my son to normal school yes. we can why do you live in a scary area. no oh oh my shut the up I mean we live. in the school district that everybody.

wants to move into shut the up youing. pampered West Palm. Beach du I don't know where this kind of. pamper comes from we've been together. for 10 years youve dated this to watch. the financial audit post show click the. join button below.