Goth Gold Digger Exploits Beta Husband | Financial Audit

Why doesn't she know? Sometimes I just. can't say no to you. Listen, you have. kind of [ __ ] up every year we've been. together. So, I thought, hey, maybe if I. just lay out really clear instructions, then it'll go really well. And then it's. still [ __ ] up. Hoping to make you. happy enough to become financially. responsible. And it hasn't happened yet. No, it's not. I don't think that's going. to work. This is what you do is you. justify this stuff by looking at how. much you're saving, which is just such a. trap. 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, my name is Karina. I'm 30 years old. My name is Theo. I am also 30. We're. here from Wisconsin. And this is. Financial Audit. Thanks for coming down from Wisconsin. What do we do for a living here in front. of me? We run a circus entertainment. company business. So we perform for a. living.

What do you perform? So that's 1,800. Okay. Fire dancing, LED dancing. Uh we. also hire people sign up for you to LED. dance. I just see people do that at. music festivals for free. Yeah, we do. that but we bring it to like a corporate. sort of setting and parades and it's. like it's like that but you guys walk. into corporate buildings. Yeah, we do. We go to parties. You'd have to pay us. to be at. That's the only way we would. get in. Wait, are you guys married? We.

are. Oh, Married AF. Huh? Married AF. How long have you guys been married? 5. years. Wow. How How long have you guys. been in business together? I started the business a year before we. met. So, it's not complicated. Uh, well, it has complications, but that's part of. the fun. Like, it's part of the fun, you. know? I like it. It's very fun. Okay. It's a great It's to me it's like I'd. rather you start working together or. banging first. Working or banging?

Banging. Okay. And then you just brought. her in and then um yeah, it was very. easy because uh with her being back in. Ontario and me being um in Wisconsin uh. once once uh Oh, I lost my train of. thought. Okay. So, we met in Wisconsin. doing these circus sort of things. We. were at conventions, circus conventions. Yep. Yep. With fire dancing and juggling. and all this fun stuff. And then we were. long distance for about a year and we.

would fly to these events and, you know, attend and all that. How successful is. this business? It's well, when it. started, it was just a bunch of hippies. getting together and, you know, doing. there's barely any businesses that start. and are successful like that, of course. So. now six years into the business, right? Try Yeah. launching and I mean even too. doing business before we were in so uh. better than ever which isn't good enough.

and correct doing better like all the. reasons we have to believe it will work. as long as we figure it out. So we're. making Do you want me to tell you how. much we're making? I won't. I would like. you to tell me how much we're making. Yeah, we've got it kind of figured out. if we take like last year's income and. go 12 months. Um, we're looking at like. 15k each from kind of just business. Half of the year for the year. Half of the year. And uh Oh, for sake, guys. What are we.

doing? We're loving our lives. Loving. your lives. I just wish you could pay. for it. Well, how do you keep roof over. your head? $30,000 for the household. next. Well, we live in with a roommate. who's really great, so that helps offset. expenses. And do you rent from them? No. No. This is the This is the first time. we've done business on its own without. more of a day job. So, when when was the. last time we had a day job? Well, we. still do, but we've tapered down the.

hours. What's the day job? We uh We. together again. Yeah. Okay. What do you. guys do together for a day job? Cuz. $30,000 for a household net is Yeah. Not. good enough. Not great. Uh, so we help. out a friend's mom's business and we are. basically like putting up real estate. signs and removing real estate signs. So. it's it's like how many hours a week and. pay is that? Like kind of what we ask. for, which is why it's perfect. It's. also variable, right? Like sometimes we. have How much do you bring in? Sometimes.

we have like a bring in a month from. that net. 600 from then 800 from me. Yeah. Oh, for sake. Also, her name is. Karina. Oh, Karina. And uh and for that. um I think you're also looking at like. is that net 1,400 net? And why are you. guys separated so much instead of the. household? Okay. So net and not being. claimed for taxes. I'm assuming now that. you said that. Great. All right. Great. Really. good. All right. Well, we also have an.

extra 2500 net coming in on a monthly. basis. Wait, does the B the business file taxes? Yes. I am painstakingly taxy. Why would you. want to get your business by not paying. taxes on the other stuff though? Why why. why yourselves? Why potentially. yourselves? I think that it's it's been. a really silly option of sort of. thinking we'll do this for this month. We'll do this one year. How long have. you been doing it? How many months? Less than a year. Nine. Nine months.

What were you doing to survive before. that? Cuz obviously this wasn't enough. No. Bartending has always been really. successful as a open the day job sort. of. you know, 9 to5 style. Um, we moved. Yeah, we That doesn't That's not the. reason I stopped because there's plenty. of places to bartend no matter where you. move. People are alcoholics in. Wisconsin. I'm here ready to consider. getting back into bartending. The reason. I got out of it is to try and manage my. time enough to to figure out the. business and like it's it's just been a. train wreck of like just not really.

being able to adjust to fluctuating. income and not responsibly setting aside. taxes. So at the end of the year, you're. screwed. And then and then it felt. really good cuz the this is a lot of. paperwork, guys. Yeah. Bringing in this. amount of money is unacceptable for your. business even cuz this is risk holding. over your business. Okay. This is. prevents you from reinvesting time, reinvesting energy, reinvesting mental. bandwidth, reinvesting money into the. business. This is risk. This prevents.

you from taking further risk that should. be going towards the business. is that. it's this overhanging. So why are we Well, it's cuz you make no. money. But why are we Cuz we make no. money and we like to spend money. You're. choosing to make no money. How can you. spend money? How can you spend money? You don't have money. How can you spend. money? Well, money is like super. variable for us. So, you know, like. Yeah. But we know on average with. everything combined, you're bringing in. $46,800 net for the household. Yeah.

That's pretty sweet. And then it's. variable. So then a big gig will come in. and then I get excited cuz I see like oh. like this month we're making 10 grand. and like that's really great. Oh like. what can I invest into the business? What can I and then why don't you guys. level out? Why don't you guys level out? High months, low months. Why don't you. guys level out? Well, that's what we're. trying to do. What is trying to do? What. does that look like? Cuz look where we. are. I Googled my name and email the. other day just for fun and it turned out. to not be so fun. Dozens of creepy data. broker sites had my info splattered.

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peace of mind you deserve. Let's get. back to the video. You just answered it. One thing is talking to people who know. what they're talking about. Trying to. leverage all the free resources we can. in terms of like uh can I want to pitch. like the SBDC wherever you live? The. Small Business Development Center is. like a really good resource for And what. are you using? So, getting them to do. our contracts, getting to to help us. with like contract templates and making. sure LLC's filed correctly and taxes. look good. Yeah. By the way, the median.

household income for the city you're in. is. $76,968 two years ago. Two years ago. Yeah. Yeah. You mean it could be worse? Yeah. I live a really I'm really wealthy. with all the friends I have and I'm. really wealthy with like the the. lifestyle I live. Well, yeah, but that's. fueled by debt. The friend thing. Yeah, we can do that without that and we can. do that without a lot of money. But your. lifestyle. that's you don't [ __ ] make money. What are you talking about? Well, I get. to go and do a gig and travel for that. and travel in hotels. Wait, wait, wait.

We know what you make. Is that after. travel or before travel? That's what you. guys told me. That's after paying all. the other performers. That's after all. the That's after all the What kind of uh. future is in 2025 circusing? Really. solid. Abnormally, abnormally solid, which is why you guys make no money. I'm. confused. Okay. So, tell me. I have a I. have a contract for like 37 grand right. now. So, it's like a contract that is. signed and official. And you've been.

paid paid and so all the contracts are. signed. And what is this contract? You're right. You're right. It hasn't. happened yet. Anything can happen. The. contract hasn't happened yet. Well, it's. from August until October. The event, it's like an entire threemonth exhibit. that we get to go to every single night. And so, I hope it works, but also takes. you away from this other side income cuz. you have to be there every day. That's. ideally the best case scenario is Yeah. It's like it doesn't make sense until we. figure out what work is. That's for a.

quarter. We're freaking out about 36, right? 36,000. But that's not net. because you have to pay people. Exactly. It depends on how many of those nights. you work. Net. Yeah. Is 90,000. What? Because we are are a 70 plus% expense. into contract labor. Gross. 90,000. Correct. So 30,000 is what you make is. our profit after all the expenses. That's for three months.

So be if you're able to replicate that. that's you know $120,000 a year if. you're able to replicate that every. single quarter forever which is very. unlikely. Exactly. And that's my concern. here. Why aren't we buckling down going. crazy going insane to pay off the debt. so that you can spend more time when you. do not have debt over your head and you. have like a one-year emergency fund as a. business owner. you were able to spend. more time taking these risks, going.

crazy. Well, it feels so good to be able to pay. our friends. Like the business brought. in 90 grand, I think. Like, but also. look at what you guys do with your. lifestyle. So, I don't even care. Exactly. Exactly. Listen to that. You're. going to make $30,000 now in 3 months, $10,000. This is going to go away. This. is going to go away. Look how you guys. live. Right. Won't it just go away? Or. is it going to be stockpiled? Well, is. it going to go towards that or is it. going to go towards lifestyle? Well, I have a great record of paying.

off our debt eventually. And building it back up. What does that. mean? What What are you saying? You have. you paid any of my debt, though? Have I. Well, why why 5 years in are we still. hers? Mine, mine, his. No, you're Well, mine is international, right? Like my. debt is Canadian. Yeah. You can still. help. You're a household. You're. combined though. Are you guys not a. partnership? Obviously, in business, you. are. Are you in life? Yes. And why. aren't you conquering it together? Well, because we both have student debt. It. just seems like he'll conquer his and.

I'll conquer mine. It's like that that. stuff happened. Uh I I don't know. We. sound not on the same page already. because No, we're like we're not. intending I have no intention of you. paying your your student loans in. another country. Like it feels like we. just drop it. So last month was a higher. month. We made about you know 5,500. Uh-huh. Cool. I mean just what went out. a lot last month. A lot. Yeah, it would. have been a lot less but we you you said. we should invest in the business. We we.

overinvested in the month always. It was. $6,000. So that's only 500 more. That's a Karina. question. So, it's very exciting to think about. upgrading our shows and we got reached. out to by an LED designer who is going. to make us like LED costumeuming and. then I'm going to be able to program the. costumes with the props and it's like. this little little mini Vegas show and. so. it's just really exciting and I want to.

get them but they're very expensive and. and we've proved this will be a revenue. booster. What's the return on investment. that we're calcul What is eyebrow? What. is creepy eyebrows you're giving me? He's he's creepy eyebrow. There are so. many things that people ask for in terms. of show stuff and LED suits is not. necessarily one of them. Then. don't How much would it cost? I already. paid the deposit. Oh, for sake. What's. the deposit? The deposit was about 900. And what's the remainder?

Uh like 2,000ish. So you don't care about paying off that? I What are our priorities? Doing the best shows and living a really. happy life. That's not the answer you. want. Probably. that's our goal. This is everything. What's our financial goals here? What. are we trying to do? I would up until. now I've really just tried to like. survive financially. Like I was How do.

we manage the household's. finances? Google Sheets. Google Sheets. Google Sheets. A lot of you together. You come together and you manage. No, he. he really makes them. And give me some. insight. What are we doing? What are we. doing financially as a household? How. are we managing this? How are we. communicating? So, you make the Google Sheets and then. you share the Google Sheets with me and. and you What do you mean he makes them? So, he just does it. You guys combined,

but without you looking, he just makes. it. Yeah. Well, all of our stuff is. without your feedback. Um, well, no, that's when I look at it. Are you meant. to then follow it or leave a comment? Is. what is happening? So, we look at it. like on the computer together and I'll. help him organize it and whatever, but. he does a pretty good job on his own. It's the problem is like not following. it and not paying attention and just. feeling like why do we make it if we. don't follow it? Is are you following it. and she's not? Well, all of the things. are on autopay. So, I just figure like I.

don't have to necessarily. I think I think that you know what's. what's really getting a little bit out. of hand is just like not communicating. enough as these like expenses pile up. because every one of them from choice to. choice is like somewhat reasonable and. then you kind of look back and you're. like, "Oh god, I spent a lot of money. You did. We did. I did." Like for me, it's an enabling thing. I have a really. like that's why I do all these. spreadsheets fully combined. We have.

like I have my separate checking and. savings. He has his separate checking. and savings. And then we've got our. joint checking and savings that all the. bills kind of come out of. And then. there's another account just for the. business for that to for those checks to. go through and the performers to get. paid. Um and then there's the business. credit card. Oh, and well that doesn't. exist yet, but we should. So, how much. did you guys talk about money before. getting married? Almost not at all. How.

long were you guys dating before. married? Almost a year. And then Okay, that's pretty quick. Almost a year. Oh, no. We've got We've got That's a whole. other story though because we were long. distance for like almost a year. And. then I Why did you get married so. quickly? Because I got stuck here during. co What do you mean from where? So, I. was traveling from Canada. Um, so we. were It's honestly that's here nor. there. Um, so I was traveling from. Canada. We were at an event together and. then that's when, you know, March of.

2020 happened and everything went kind. of crazy. And I got an email that was. like, "Oh, like you can refund your. flight. Like you should avoid. non-essential travel." And I was like, "Wow, that sounds great. That sounds. like two more weeks with my boyfriend. quickly to stay essentially." Like we. got What about your finances? Did he not. know? He didn't know. I mean, basically. any of it, like. we we didn't talk much about it. It was.

uh it was we were a lot more focused on. like am I allowed to be here? Should I. travel home? Like what does it look like. to stay here? And then and then the. immigration lawyer just said like go get. married and we're like okay. And then. they make it sound so easy. Yeah. So. then in those talks with the with the. immigration lawyer, she was like, you. know, asking for his taxes and things. and and then she told me that none of my. Canadian stuff mattered. She's like, it. doesn't matter about your credit score. It doesn't matter about your debt. It.

doesn't matter. How much was it? How. much was what? The tax debt. The tax. debt. Oh, I never filed. I never have. filed taxes in Canada. That was one of those that was surprises. that came ever. And and they're okay. They never [ __ ] said anything. No one. said anything. So I was a student for a. long time. So I was like in nursing. school. And you look like a perma. student. It's true. I went to nursing. school. I graduated. I got the heck out. I am not a perma student. I did love. school though. So you're not totally. wrong. Anyway, um so yeah, I was in.

nursing school. Did that. Uh and then. what was the I'm sorry. What was the. question? What was your question? You. don't know how much you might owe, but. it doesn't even matter cuz they don't. even know. I I probably would have just. missed out on tax returns cuz I was in. school for that. You know, those file. ever. This isn't showing any kind of. responsibility coming into the. relationship. Well, no. And especially. managing aing business. No, you're not. fi you're not claiming the $1,400 you. make in cash a month. My mom really.

didn't do taxes on her business. And so. that's not an excuse for me at all. But. like I just definitely never learned any. of that. And then I did try to go file. in nursing school, but then What's your. legal status in this country? I'm. permanent resident. Green card, green. car, permanent res. What do they think about people not. paying their taxes? They don't care. The. immigration lawyer told me they don't. care about your Canadian taxes, your any. debt you have, the US taxes. You're not. claiming the 1,400.

Well, that is the Canadian taxes. Yeah. I I'm I'm gonna What about the tax the. money you're making now? We are not like. We were behind on taxes. Yeah. By two. and a half grand with a payment plan. Got caught up. Mhm. And and then failed. to save for this year. So there's a. three grand tax debt on last year's. money. Oh my. It's another pay off your. debt. How are you paying for 3,000? How.

are you paying for 3,000? I just time, man. monthly over time. So you've already. negotiated a monthly payment with the. Yeah, with the IRS. So you have interest. acrewing. how much? I actually don't know. That's. a you question. 2.5%. That doesn't sound I don't think so. That doesn't make sense. That doesn't. sound That doesn't make sense. They. usually do Fed rate plus more. It's. usually It's Well, what is Fed rate. right now? Like what? I don't know. I'm.

assuming yours would be at like seven. though. I% I'll tell you I don't need the debt. I don't need interest occurring. Yeah. No [ __ ] So why' you allow it instead of. just saving up? Like because we make so. little money. You don't It's So maybe we. should do something different cuz it's. not working and we're 5 years in, six. years in and we can't survive. Huh? It. always worked when I had a day job. Yeah. When I stopped. Yes. But you don't. have a day job. You. That sounds. nice. Did I hear that right? Anyway, you.

don't have a day job. It worked when you did the thing that. was correct. You're not doing the thing. that is correct. I'm ready to do the thing that is. correct. Then why aren't you? Because we. have a threemonl long gig that's going. to we have to do every day. So it. doesn't make sense to get that job done. You've been doing the bull posters in. people's driveways crap for a long time. When did you know you're getting this. three-month gig? Uh a couple months ago. Exactly. You could have been doing this.

for a while. You could have had a job. for a bit, right? There's no doubt. Yeah. I I So, what is different? Nothing. You're on the show, so you're. trying to look good. I think I look good. Okay. So, listen, with this money. thing and the business and stuff, is. there any tension in like the. relationship with all this tide? Cuz the. financial stress is one of the leading. reasons for divorce in this country. Uh,

is there tension all the time? All the. time. Tell me about it. What is going. on? Um, just just traveling here. We. almost killed each other. Why? Because. it was it was a long day. We booked. Well, you booked the wrong day for the. hotel. We did. No, no, no, no, we did. Um, that's why you guys don't book the. hotels. It's like that's Nope. So, so we. ended up staying with a friend. Um, so. that was a big savior, but yeah, the.

whole travel was a mess. We were like at. each other's throats in the airport. What about talking about the money? When. you guys talk about money, about the. money. Really? Yeah, that was about the. money, wasn't it? What happens? Demonstrate these conversations to me. I. think I, you know, uh, the fighting over. this tattoo like there's a sense of. impulsiveness that I can really get. behind like nine out of 10 times. Tattoo. I almost got a tattoo yesterday. Okay. So, you who you were going to get. a tattoo? I was going to get a tattoo.

It was a birthday thing and Okay. Well, birthday thing on the show. I really. like to get tattoos because I get to, you know, search different artists and. do all that and check it out and find. one I like. And it was really nice and. it was going to be a birthday gift. And. then we were looking at finances in. preparation and it was uh oh yeah, actually never mind. We can't afford. this. We should cancel. And then that. made me really. emotional. And so now we're fighting about my.

birthday. And that's yeah, I think that's all. really fair in the sense that. like this this is a really good example. of like what part of the problem is is. like well you up my birthday pretty much. every year. Have a habit of making the. same mistakes and then being upset that. we're still having them. and it would be. really really nice. It's just you're. like it's one thing to be hard to say no. to like oh I just love saying yes to you.

but it's like sometimes I just can't say. no to you like you like like you like. change like it's different. Well listen. you have kind of [ __ ] up my birthday. like every year we've been together. So. I thought hey maybe if I just lay out. really clear instructions for what you. should get me then it'll go really well. And then it's still this year. Yeah, we the whole flight here the spent. a lot of time fighting uh about just.

like why are we doing this? I should. definitely do it. If I don't do it, you're you're doing another messed up. birthday. You're dropping the ball. again. So, I'm losing my cool over like. just kind of this recurring the right. like I everything up, you know? And it. it also like every time I could kind of. get you to to come down with it a little. bit and and sort of feel a little bit. more like you you maybe shouldn't get. the tattoo like that even maybe. canceling it is a good idea and then as. soon as you do that you hate everything.

so much that you're a totally different. person and we're just like a mess. Yeah. Yeah. I I shut down a lot but I just. really wanted it and I. am I don't know. I wish you could have. gotten it. Yeah. I wish you could see. that we can't. Well, so that's the tattoo story. I I. almost got a tattoo. I didn't get a. tattoo. Tattoo. Do you feel he dominated your. decision in that a little? Yeah. How.

does this go? I mean, that can't be. creating. that. It gets hard when the other. person's like a no no, but also maybe it. needs to be financially, but what what. what do we do in this situation? Do you. feel like you're being financially. controlled? Uh, I feel. like I guess a little in this context, but I just I don't do as much work as. So then I'm like, well, if he wants to. disc like control the things, then I'll.

just sort of back down and just be sad. And you're okay with that? Well, you. just put up with that. Do you speak up? I I kind of just shut down and don't. speak up and then that drives him a. little more crazy because he just really. wants everything to be happy all the. time. Yeah. I mean, what do you think. hearing this? I mean, she just shuts. down and she just she just stops. I. think that it's like preferable half the. time to like just fighting and being.

more on fire about like just all the. feelings that go into like a financial. decision seem to trump the financial. decision like regularly. whether it's. like like international travel or like. investing in the business or investing. in like a an actual I think it's okay to. invest in a vacation but like we can't. we can't and we need to not and then. when we don't life is so miserable that. I'm like at least you need to go at. least you need to do something because. I'll take the reprieve you take the.

vacation it's more affordable and it's. still not affordable you guys just. separate. yeah I And it's and it's to make you. happy. Even though it still financially. hurts the household, but he's just like, you both give up. You're not willing to. stand up to him. He's not willing to. stand up to you. Sometimes you guys just. give up to avoid confrontation. To avoid. confrontation. That doesn't get us. anywhere eventually. This is a fun one. I get to get you free money and then I.

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yourself. $5,320 right now. I mean, eventually. that just leads us down a bad path, right? I mean, I I'm more on team like, let's make memories, let's have. experiences, let's do all this. And yes, but you could have more if you were. financially you can't have the. experience of running a proper business. with all this risk over your head. Well, true, but I just get so tired of it. because that's what he does all day. He's like in the office like doing.

spreadsheets like which is which is. which is. what you have to do as an entrepreneur. My entire brain is focused on this. business. Unfortunately, it really is. At one point, it was more of a hobby. It's fullon business now. And that's. what it ends up becoming. and your. guys's like workplace personality, it. might be completely different. It's, you. know, it's very interesting. A lot of. us, we've done the disc assessment. around here to see where we stand. He's. probably in that more.

entrepreneurialing like where like uh. Steve Jobs, Jeff Bezos, all those people. are. They tend to be in that D area. That's where I am, too. I just go and I. focus on it. Where you might just be on. that other side, which means maybe you. guys, in order for the sake of the. marriage, shouldn't be in the business. together. Oh. I totally disagree with you there. because I think but you were like, "Oh, no. We focus on the business." Well, we. just do two different aspects of the. business, right? He's doing the. spreadsheets and the computer stuff. I'm.

working going to Europe. He's the one. that wants to go to Europe, not me. Um, but no, I'm working on like costumes, putting shows together, LED programming, like putting the actual creative things. together. Like there's a lot that goes. into a show that is not just like, oh, we're going to do this for 45 minutes. and uh we're going to park here and. we're going to these logistics and all. that. Like that's a lot of work, don't. get me wrong, but I'm doing the creative. stuff that is actually like making the.

client happy with the themes and. different things. Do you agree? I think what she's saying is still true. in the sense that like her. responsibilities which are equally. important to what I'm doing and things I. would be bad at like styling people and. choosing their costumes and makeup and. what we should look like contracts are. not a wife. who in that position cuz look you guys.

are already going like endlessly and a. lot of it is because of work but a lot. of it is because of finances and a lot. of it is cuz what you want to do, but. all that is because you guys are just. too together and everything. We promote. togetherness, but togetherness in. business and love and all of that, it's. a lot. It's getting It's way too much. Even if it was uber successful, maybe. you guys would want to go in different. directions business-wise. We already. kind of do like Well, exactly. So, it. doesn't You might just need to go get a. job. Well, you're not wrong. Okay. But.

but we compliment each other. really. well in terms of balance each other. outweigh the negatives. The strain on. the relationship. What's more important, the business or your marriage? Ooh. What? Oh, that was heavy. They said. they're different. They said they're. different. They're separate. Whoa. Um, the marriage. The marriage. The. marriage. The marriage. Okay. Maybe you. have to It's a little spooky to imagine. really love the business in the way that.

like we balance each other out and and. like he's the function and I'm the form. and it all works and it just needs to. work better for us to survive in an. expensive place. Yeah. But Oh, and then. the other thing is like he's way more. focused on booking other people, right? Like we're working with a lot of more a. lot of new artists having moved to a. different city. So it's like still. walkers, aerialists, aerial bartending, all these different things are happening.

and that's not us, right? That's all the. income that's coming into the business. that's going elsewhere. And I'm way more. focused on like our show, like. programming our show to be like. corporate and awesome and super. sellable, right? Whereas he's focused on. like the logistics and the Listen, you. guys do what you want. I just I. just I don't know. You guys might have to choose in the. end. You're not wrong. I'm just not ready for.

that choice. Yeah, I know. But I mean, you guys are. being selfish in different ways. You're. selfish. I mean, you're kind of. admittedly selfish, right? When it comes. to a lot of the business things. So, it's like, what are we doing? Well, I. can justify almost anything as a. business expense. That's sort of my. issue. Yeah. Well, the IRS, we'll find. out if you guys ever get audited. Well, we've got documents to talk about it. anyway. Doesn't mean you're right. Well, a lot of people write off things that. are not write offs. That's true. But we. have a tax guy that helps us.

So, we're trying to do it all. I'm not. necessarily worried about what I've. already done. I'm worried that I can't. keep doing it or that it won't get good. enough to actually like to to stop just. investing time and money into it and to. actually feel like it's it's off the. ground, you know? And and it's this. dance of like I have to work enough to. pay for the the stupidly expensive place. that we live that maybe we shouldn't.

have moved to is another emotional. emotionally impulsive decision. change everything and like like our. lifestyle, our amount of rent, the the. number of different places we're. attending and like what is around us. Like we don't go out to bars like but. we'll go out to eat and we'll go to see. shows. we will go see live entertainment. and now we're surrounded by it and it's. another just dumb expense like. you I don't even know if you guys if you.

guys are aligned in this I don't even. know if you're aligned in this business. well I want us to be making more like. it's like when I look at $90,000 coming. into the business and then I look at our. actual income and what we bring home. it's like we're not bringing home enough. of that chunk right we don't have not be. a business that we do especially. together. Well, all of our shows are. like duos and together like that is. actually our big ticket item, you know, like that is the rest. But that's how it.

becomes surviv that's how the business. became survivable in the first place is. hiring all these other people having a. team all that. How much of the revenue. comes from the team operated stuff. versus you guys? Just you guys. I think. it's 6040 right now like 60% what you. guys do. Exactly. Exactly. Exactly. Yes. You disagree? I don't I don't think it's. good for our bodies. I don't think it's. good for our relationship with the art. to be doing the like to have the same. act that you do the same act every time. you go to these 10 shows a week so.

you'll get hurt. like get hurt like I'm scared of that. It's that I don't want to rely on. something where if I am hurt I can't do. it. And that's why I want to do a. booking agency. I didn't get into. performing because I love being in front. of everybody and I want their attention. I got into performing because a lot of. people around me asked me to do shows. with them, asked me to help them get a. fire permit because they didn't know. necessarily how. Do you guys even agree. with how much you're paying these. people? Most of the time. Most of the time. I. there's Yeah, there's a there's a like.

But there's definitely tension there, too. It's like it's even if I agree with. the amount he's paying someone, it's. like who is he paying, right? Is like. who are we hiring for what spot? And. that's just like a whole another thing. because at the end of the day like all. of these people we're hiring are are. friends to some extent. And so there's. so much drama and politics with like, oh, I don't want to hire this person. because they can't work with this. person. And it's like, oh, like you want. to hire this person, but I'm like that. actually they're really not that good at.

that. And so I'm a little shady in that. way. Um, but I'm just we just I want to. put like the right people in the right. spots and also make enough money. You look like you're going to say. something. I don't know, guys. I mean, I'm being. told you don't evening show up to that. part-time job either sometimes. Damn. I. It's like I need to go do your owning.

thing. That's on me more. He does more. of the day job than I do cuz I was. cleaning the dance studio. in exchange for dance passes. Yeah, that. pays the bills. It Yeah, I I I feel like. I spend a lot of time in the money, guys. Just hoping to make you happy. enough to become financially. responsible and it hasn't happened yet. That's not I don't think that's going to. work. They ask you how you are, you just.

have to say that you're fine when you're. not really fine. But no, I've been. taking a lot of opportunities to just. like expand ourselves as artists because. again, I'm team like let's make more. money. I'm team like the two of us. taking home more of the business which. I'm not opposed to but but that takes a. lot of artistic work. That takes time. That takes It's weird. A business that. you get paid from takes work. Oh gee, that's not what I meant. Okay, go work. for someone else if you want to put in. less work. That's not what I That's not. what I'm trying to do. I'm saying it's. artistic work. It's not going to pay for.

itself, right? It's not going to pay for. itself right away because there's all. these hours that I And guess what? You're not able to invest that time. because you have all these hanging over. your head cuz you've allowed to live. your lifestyle higher than you actually. can because you are prioritizing your. lifestyle over your business. Yeah. Well, I didn't say I was good at. finances. That's why I'm here. That's. why I'm here. Yeah. Okay. Unofficial bingo card. That's why I'm here. It's in free space.

Slipped off. Wow. Oh, I I feel like uh. it is it is definitely like a. significant issue. 3 2 1 go. I want you. guys at the exact same time to give me. your household financial score. Okay. 0. to 10. Zero being the worst, 10 being. the best. 3 2 1 0.5. Why the do you. think you're What? Cuz I want it to be. really bad. Cuz I'm shooting for a. three. And if I tell myself it's a. three, that's what it'll be. At least.

I'm realistic. No. Okay. Yeah. I'd like it to be a three. That's great. But it's not right now. Targets, man. What should I shoot for? What you shoot. for? I want you to self- acknowledge. where you are. Not where we are. So you can assess your. situation so you can make a plan to get. where you want to go. I think as soon as. we have an actual reinvestment budget,

that'll be something to How if you have. all this debt, your reinvestment budget. is pay off your debt or if you want your. hammer financial score, if you want to. see where you are in the world of. finances, take the assessment at. caleb.com or click the link in the. description below and also make sure you. download the simpler budget app. They. get the premium version forever. But for. those who sign up for the annual premium. version, I will send you our cookbook. that we made that I will sign directly. to your doorstep and our notebook as.

well. So, make sure you do that, guys. [ __ ] download this. If you don't. download this, by the time you leave, I'm going to murder you. I did. It's so. jarring to see that, you know, it's like. it told me that I spent $14,000 last. month, which is crazy. Yeah, I wouldn't. be surprised. Which is crazy. No, that's. the money that's going to other. performers. That's why it's so money. going out. Yeah. Well, you're okay. You. got me there. Okay. Yeah. Yeah, I know. I I I That's money.

You guys debt half of our debt right now. especially is reinvestment. It is un. irrational. What do you consider. reinvestment? I want to talk about these. numbers. What do you consider. reinvestment? It's it's the props. It's. the costumeuming. It's the Why are we. getting fresh stuff every single time? cuz you should have leftover. The. biggest thing that people want is like. the the thing for their event. So yeah, you can have the staples like Fourth of. July is clearly right, Uncle Sam on. stilts. Like it's it's easy to come up.

with some stuff, but at the same time, that's what I want to see. Well, all. right. City Double Cash, we're at. $97,353. Um, I mean, it was paid off and then you. purchase it all the way up. Then you. have fees1 or no. $124 $35 minimum monthly payment. I'm. confused. Why are we purchasing so much. on this card? A card that was paid off. What are we doing? So we do these early. They're saying it's $9 from being maxed. out. Now it is in fact that kidding me.

So it's at like what the. calculator is at 4,000 $4,491. That sounds right. That's right. Why? Here's here's the here's the worst. possible answer. Uh we've noticed that a. lot of people survive with a lot more. debt than we have. I'm almost like I. started watching your show. What's the. new minimum monthly payment on this, you. guys? Well, it usually gets paid. I get.

paid every two every two weeks. Yeah, it. usually gets paid off every month. Um. but it'll be 1,500. Yeah, it'll be a. $1,500 payment this month. Twice. Twice. which will not happen because we don't. have it because we don't have that. There's no way. But it's on the credit. card so that once this big gig happens. in a couple months then like yeah we've. got a little bit of interest on it but. we've also got the things in our. possession to actually use for those. shows. So we're trying we tried to be.

smarter. What's the minimum monthly. payment? I would guess like 300 cuz who knows if. you can actually make that payment. We'll see. You have to line things up. What are we even purchasing? Foreign. transaction fee. Circus. Space Pyro Terra Light Toys. Amazon. Stone Harbor restaurant. That was a fun. gig. That was a fun gig. The restaurant. Well, that was post gig. But yes, we got.

to go out with all of the performer. friends. Yay. Spend the money. We don't. have. business expense or Yeah. I I think it's. dumber. It's dumber than that. We're. finally coming up with enough money to. do this stuff and then we're still. spending it all on like if I get the. client to pay for the meal that feels. great. Yeah. But then because I did. that, it's easier to be like, "Oh, we'll. just buy the next big thing." And it's. going to be especially that Pyera group.

that's going to be in the way up to. almost 4,500 maxed out. Okay. So, we are. doing these LED shows. They're a lot. more intense techni technically. And so, we needed a new laptop because one of. our pieces of equipment broke. So, then. we needed a laptop to run the show. So, we went to Best Buy the day of the gig. Laptop. Not a good enough one to run. After the gig then. Well, it's actually. very helpful for the business to run. these shows. Probably keep it. You guys.

are the small businesses that never take. off because you will justify everything. you want as a business expense forever. Forever. Yeah. And luckily I have a little part. of that in me. We've just luckily ran a. pretty successful business so I can. budget it in. But listen, as someone. that like I'm there with you, so I get. it. You will never take off. you will. never take off if you just consider this. reinvestment into the business forever. instead of taking care of the that.

matters that lowers the risk that has. that one-year emergency fund. Guys, you'll never get there. Never. Cuz you. will justify everything you want forever. as reinvestment into the. business. Everyone's got an opinion on. the economy. Are the rates going up and. down, sideways, inside out? Ask the. experts and you'll get 10 different. answers. So unless one of you has a. crystal ball laying around, we're all. kind of guessing, right? Well, over.

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yeah. Okay, great. Yeah. Why would we want a successful. business? Well, I need to learn how to. actually use money properly instead of. just feeling like I have money when we. have a good gig come up. I I I feel like. there's a like like the timeline is. relevant. like every time. that we've kind of had an opportunity. for things to get better, uh things have. also gotten worse. So, moving to Madison. was really good for us in terms of the.

fact that we had um more people to work. with. But then we had to rebrand the. business was a whole thing which cost. more money. We're now working with. different artists. So then that was like. a whole changeover and just like a dip. in income and our car broke down. Then. the car broke down. We need to replace. the car and get a new car loan. How many. performances are there a month? Uh. between two and like six. No, two and. six. And you spend this much money in a.

month. So your cost per performance is. like $10,000. What's more outside of it if we're only. working six days a month. max? Why would we possibly have debt if. you're only working a week a week of the. month? What a joke. This isn't an entrepreneurial situation. This is a lazy position. Oh, so much. work goes into each one of those gigs.

though. How many hours? Depends on how much How. many hours on average? Too damn many. Too damn. It's part of. the problem is like it feels like many. in terms of what you want to do or what. is necessary. I feel like I'm never. clocked out. Like I feel like I'm never. clocked out. Okay, that is the world of. a business over. But if you write down. everything you do that goes into this. and you stack them up, what do you. categorize them as must do versus maybe.

I didn't need to do that? That makes way. more sense in hindsight. I got to tell. you, I hate to that's actually a great. idea. Oh my gosh. I don't think you guys. are ready to run a business. Even though. you're 6 years into this somehow doing. it. We're doing it kind. It's Yes. A. hobby. It's happening. It's not a hobby. We're making a profit. Yeah. We didn't. even have to make profits on a hobby. You barely make them. Just you need a. roommate to survive. You guys are. interesting creatures with your.

manurisms and stuff. You both have the. same thing. You both do the same sound. effects and things. There's a lot of there's a lot of. carryover on our on our on our habits. for sure. Uh the osmosis, behavioral. osmosis. So, I I feel like that credit. card, it's worth mentioning you did get. yet another prop for a gig that hasn't. happened yet. I think that's one of the. biggest issues is gigs that haven't. happened yet where the money's not here.

yet where anything could go wrong. Yeah. Well, it was it seemed like a really. good excuse to get these custom LED. feather fans because burlesque and you. know we we do some burlesque shows so I. want to start doing that too and so. these custom LED feather fans made a lot. of sense in that context but then we. haven't used them yet. But the whole. point like the whole argu like with as. often as you take issue with me hiring.

other people, you've. now your own feather fans and not had. them pay for themselves at all. Well, what? They're going to pay for. themselves. They're going to pay for. themselves. Just they haven't yet. Oh my. gosh, you guys don't even You guys are. so not. together. Do you guys see a marriage. counselor? Do you see a business. counselor? I don't know if that exists. What do you guys do? He wants to see. both. I am a little annoyed at the. marriage counseling situation. But what?

Well, the marriage counselors we had. were just really terrible and so Well, you then try different. We'll give you. three sessions through Sandremine. It's. what our audience uses, what I use. Thanks. But for [ __ ] sake, at least. it's free. Yeah. Test it. You have to. test and move on. That's it. There's a. lot of trial and error. That is try. Yeah. Yeah. Okay, I will. But it's just. up until now it's uh it's just been. really difficult to actually make that. appointment because I have very little.

faith that they're going to do anything. A lot of thing you're lazy unless you. actively want to do it. If there are. things I can read this from a mile away, if there are things you do not want to. do, you don't do it. You justify the. things you do in the business because. they're the thing you pick the things. you want to do, the things that excite. you. Like is there anything else that's. excited you in recent history that maybe. we shouldn't have gotten and ended up. having to sell because we shouldn't have. gotten it in the first what an aerial. rig. Fine. I saw you spent like a ton on.

it. Yeah. Well, I did aerials for you. know. um 6 months or something. Congratulations. Do you make money off. of it now? Uh no. We hire aerialists to. do that now. I'm going toinging just. like murder someone. What are you This. is so stupid. I sold the rig. This is. fun to you. This is just fun to you. That's all. This is not a business to. you. You don't business fun and a. business. Yes, but you don't treat this. as a business. You only treat it as fun. Oh, you This is not going to last. Well,

this is not going to last. I really want. it to last. I really want to change. How. much do you think you've spent just in. the last year on props and. Oh, that's a good question. The feather. fans were 500. The LED suits are 2500. The boo gang are 900 each. No, sorry, 700 each. Oh, that's better. That's. better. Uh, I'm going to say like 3500. on the aerial ring for sake. Maybe 7,000.

this past year. Maybe more like 10. Maybe. Maybe. Maybe it's not. Maybe. because I made a little chart of exactly. this. You did it. Oh, wow. Why doesn't. she know? If she's your co- business head in this, why doesn't she know? Because she she's. willing to sit down and look at. everything that I've made about nine out. of 10 times. Well, and then it's always. a good time. It's not. And then. inappropriate question. An inappropriate. question. This is uh uh when when I hit.

on people, I'm known for asking. specifically like, "Okay, cool. That's. Yeah. So, I can learn. I'll ask a sexual. question. Why not? You guys are obsessed. with the business together. You guys. fight. You guys do all this. Are you guys still intimate? Yeah, we. are. That's usually the easy part. That's the easy part. No. See, I was expecting that. No, maybe. you guys don't share that together. anymore cuz maybe you guys don't share.

life together because you're justing. just and then you guys just work. together and all this stuff. It's uh yeah, it's enough to kill my. libido sometimes. Um but it it hasn't. gone away. Like it hasn't been. problematic. So that's been nice. I. mean, at least that's the easy part. You. know, I'm way better at I was expecting. stuff than money stuff. So Okay. Yeah. Can do that. We uh something UW credit.

Oh, that's where our cash goes. Yeah, that's what makes it scary is that. we deposit it. So, we must be claiming it if we deposit. it. I don't really I don't I obviously. don't understand taxes. Should we? Yeah, but I think we're talking about the car. loan on this. Yeah, we loan comes out of. the W credit union. 7% interest. basically rounded. It's not the worst, but it's definitely not good. You're not. competing with the market. I thought it. was at like five something. The Carlo, huh? Is the Carlo seven? No. Oh, well,

but even still, like if I'm buying like. just whatever, I'm getting like 8% a. year on average up years down just. combined. So, with the depreciation and. everything, you're not like keeping up. What's the car? It's a. 2013 uh Toyota RAV 4. Okay. I love it. I love it so much. It's. the best little SUV that I ever did. drive. Cool. You owe you owe $8,824.60.

Correct. So, minimum monthly payment of. $186. Is this term long? I feel like it. is. I feel like I want to pay off soon. with that small. Yeah. Good luck. Let me. look at the lifestyle you guys. I want. to pay off the car sooner because last. time want to, but you then you don't. Well, not yet, but last time we're. seeing it being worth maybe a,000 $2,000. under what you owe on it. So, you're. underwater. Yes. Which sounds just like.

the underwaterness we had with the Ford, which I will never drive another Ford. again. Um because that thing broke down. on us over the course of six months so. many times, leaving us stranded. And. Okay. Yeah. We scrapped it for like. $400. When did you get this car? August or September. We got the. Toyota. Yeah. This Yeah. But we had to. we had to like underwater immediately. Yeah. I think we paid like 13,000.

mileage in condition in this car. It's a. pretty good condition. Uh it's got. 140,000 miles on it, which is like. decent for a Rav 4. They can go usually. like 300,000 if you take care of it. If. you take care of it, which we do, but I. hope the person did before you. Yeah. Actually, it was driven down south, so. there's not a lot of rust and stuff, which is great for us in the Midwest. It was very nice. I'm very happy with. this Toyota. I just that Ford really.

just traumatized. I don't care. Great. That is a Well, it's your fault we. needed an SUV anyway. I wanted a car. We need an SUV. There's no question. about that. Well, that's debatable, but like I'm. glad we have the SUV, but I guess now we. don't have an like a Honda Civic or. something. Yeah. Now that we don't have. an aerial rig, we don't need a SUV. You're right. Exactly. But here we are with a Toyota and it's. great, but it could have been cheaper.

I'm I'm feeling like it's about. spending. It's always going to come back. to spending. And we haven't really. touched on just how much spending there. actually is. The more that we kind of. prep for this show, the more I'm. actually finding more. And it's not a. surprise. It's a matter of thinking from. choice to choice that it's fine. Letting. me think that it's fine. not knowing. enough to to feel like maybe this isn't. fine and like it's not okay to just keep. like yeah it's not reinvesting. I admit.

it. Like so what are we going to do. different? Oh I don't know. I don't know cuz I want. to just keep doing what we're doing but. work. that's that's not that's that's a. answer. I work with him. I want to get a a solid. day job after this 3-month gig is over. So, you're leaving the business? No, I'm. going to do a day gig that allows me to.

keep doing the business. Usually, we. don't have a gig that is like every day. for 3 months. What business can you work. at that's going to allow you to take. that much time off constantly randomly? I mean, the gig that we're doing right. now with the real estate side, it's. bull. You're not even paying taxes. It's. all under the table dumb stuff. We can. get on payroll. We could then this is. this is how irresponsible are we being. is what we need to know. All we know is. it's bad. And there's like red flags.

left and right the more that we dig and. I'm over it. Why at this point. like it's it's like stress is definitely. the biggest reason that I've gotten to. be so bad with vaping. I'm sitting in. the office working too hard. Kind of. wasting my life away that way. On this. show, I swear this is an epidemic. I I. am. Do you vape? Both. Do I vape? I do. vape. Yes, I do. Do you both vape? We.

both vape, too. Sake. How much a month? How much does it cost for both of your. lungs to be destroyed? You know, it's. aerosols, right? You know, it's not. vapor, it's aerosols. It's the same. stuff in like. So, it's bad for you no matter what. you're putting in your lungs. But yeah, but it's not just water vapor. It's the. same as aerosols. Yeah. It's not. cigarettes. Cigarettes. It is. technically better. Doesn't mean it's. good. As much as we fight now. Oh my. How much you guys spend on vapes? Uh. $100 a month. Unconfidently.

Well, if he loses a vape, if he loses a vape, which is often super. clumsy. What are the red flags? 60 bucks. each. Easy. What are the red flags? uh. the amount of subscriptions we have for. the business that is not making enough. money. How about that? We don't need to. everything to be automated and for. Google Workspace and all these other. things. The only way that I can imagine. scaling this business is by doing things. like automating the work. If there was.

more work coming in, we'd be totally. swamped and fall behind and let people. down and not get these gigs in the first. place, right? And it just feels like. yes, it's too expensive. I'm finally. finding a way to make it work. I can do. the work I need to do and have a day. job, but I can't have enough of a day. job to pull enough in. It It's like I. admit it. It's like exhaustion. It's not. just like overspending and the lack of. money. It's It's just feeling so beaten. down trying to make it work. Like.

because everything tells me it should. Everything that I can see from year to. year says this works. Yeah. Now, stop. having making lifestyle choices that. prevent it from working. That's that's. both of us. I mean, like I mean, vaping is a good example. Like $1,200 a year is a pretty. significant chunk of our income. Um, but. we're both guilty of that. I think the. frequency with which it's not just a a. purchase that we're saying to ourselves.

like, how does this make us more money? It's a purchase of a kit. It's a. purchase of a whole setup. Whether. that's a sewing machine and various. types of fabrics and then totes to keep. the fabrics in and then you need a space. like a storage unit because you don't. have enough space home to keep. everything like hobby hopping and is. like it's how the aerial rig happened in. the first place. It's how like the. reinvestment is just that it's still. happening. How are you guys going to do. this together? Well, it's all those.

things that I feel like I'm working on. the business with. Like I want to make. some costume stuff. I want to, you know, like make it work and and not have to. pay so much for costumeuming. So then. I'll get the sewing machine and the. whole kit and the fabric and then like. that doesn't actually work because I. just pay more money for all the. [ __ ] And then I just sometimes I'm. justifying it for the business. Sometimes it is literally just me being. interested in something. Like I learned. how to tattoo which was fun. I gave my. roommate a tattoo for her birthday. Why.

don't you focus on something you. can pay off? What are you guys ever. going to have a kid? No. No. Sterile. Do. you ever want to Well, which one? This. one. Yeah, but you can still have a kid. if you want to. Well, yeah. They just. got to get all up in there. I'm not. going to have it on accident. Have no. intention to have it on. No. Okay. Cool. Okay. So, that ends as a weight off. But. what about a house? A return. Because. you can't hobby hop if we have financial. goals. If you're holding back hobby. hopping, justifying every single hobby.

hop by putting it in the business and. it's a write off like we're never going. to get anywhere, right? Well, with. tattooing I legitimately for the last. year that you can't even pay off. So your hobby hobby. That's why I want. like a career that is not the perform. like the performing can move a little to. the side for me and then I want a career. that is something else like but. tattooing just seems like a whole. another artistic endeavor. So, I don't. know if I want to do that. And nursing. is like out the window because I'm in a. different country. So, I can't use my.

nursing license here. Um, and it's just. hard to find like something that works. on the side without letting go of the. business. Like you said, it's hard to. get that like thing that is flexible. enough so that I can actually focus on. gigs. Do you guys even have anything to. look forward to on the future? Well, okay. So, no kids. Um, I'm pretty like. anti- kids and I've also been on birth. control for a decade and like that's not. exactly a fun experience trying to trial. and error a bunch of different hormones.

in your body. Um, so it's like kind of. his turn for a little bit of birth. control. That's kind of how that I mean. that's that's the way I look at it. Did. you make him get a vasectomy? I didn't. force him to get a vasectomy. No, I. don't think I don't think there's even. any pressure for me to get a vasectomy. I don't want to have an accidental kid. because it it bothers me so much how. often that happens. And like I was an. accident with how I turned out. I uh I I. just feel like the. the the what makes it a fight is that I.

didn't freeze my sperm. Yeah. And now. we're having a lot of like buyer's. remorse. Now there's not an option. My. mom was very upset to hear that he got a. vasectomy. And at the same time, that's. my that's my note. Like honestly, I. really want vasectomies to be a way more. at least wellconsidered thought. Like. don't be It's like going to the dentist. for your balls. You guys just chill. Yeah, but if you want to get. reconnected, it's like a 75% success.

rate. So, but adoption's a thing. Yeah, but if you want to have your own. biological kid, like the percentage is. you're making the point in my I agree. with you. This is why that's what my mom. would say. But my mom was adopted and. she's great. So we could adopt if that. was if we're even ever close to being. financially ready for a kid, which we're. not. Well, and you couldn't afford to. adopt a kid. Mm- No. Yeah. We'll keep it. off the table very intentionally because. it would be irresponsible everybody. involved.

Oh, and they're telling me apparently. you have like some LED suits debt that. there's no statement for. Yeah, that I. did I did mention that those are like. 2500. What is that? So, you owe 2500. Yeah, there. Well, yes, basically. Okay. What's the payment on that? Um, so. that's what you're talking about. We. paid Yeah, we paid 900. Yeah. And you. have And you owe 25. Yes. And then. that'll be due by June 15. The total. The total. And can't even pay last.

year's taxes. And you owe 2,500. that's. just about to hit cuz whenever you get. large chunks of money, you can't manage. it. It just goes out the door. Yeah, I just it. So, as many of you. know, I've been a big supporter of. course careers for a long time. I'm not. just a partner. I actually own stock and. I'm an investor. So, why did I partner. with Course Careers? Because I truly. believe in what they're doing. A lot of. people have questions about online. certifications versus traditional. college degrees. Let me be clear. I.

wouldn't put my name behind something. unless I knew it worked. The thing is, not everyone has the time or resources. to spend four years in college or take. on massive student loan debt. Horse. Careers offers a practical, affordable. way to launch a career in a high demand. field like tech sales, IT, and. accounting, where companies are hiring. based on the skills needed, not broad. college degrees. In fact, right now, one. in three companies are dropping degree. requirements, and that number is only. going to continue to grow. I know some. people think online programs are a quick. fix, but that's not the case here.

Course careers takes effort and. commitment, but they provide you with a. streamlined, proven path. They offer. up-to-date self-paced courses, one-on-one or group coaching from people. that work in the industry, and most. importantly, they help you actually get. hired. Just look at graduates like. Nomeso, who went from driving FedEx. trucks to a cyber security job at. Disney. That didn't happen by chance. He. put in the work, and course careers. guided him every step of the way. And. what truly sets course careers apart is. that it's not just about learning.

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felt really cool because it was a. collaboration with another Yeah. You. know, you can't afford this. You got. something% off because it's a. collaborative thing. We're going to help. 30% off yourself. This is what you do is. you justify this stuff by looking at how. much you're saving, which is just such a. trap. like we we know better and you've. done it before, so why aren't we like. But isn't there value to like. collaborating with other artists and. doing that and like establishing.

yourself with the other artists in the. community if you can afford it? You. can't. Business first, [ __ ] around. second. I don't know where the line is. The line is can you afford it? No, you. can't. You have debt. You can't even pay. last year's taxes. Oh, I got to write that down. How much. was the IRS debt again? Last year's or. this year's three grand. What do you owe. for the previous year? We're still. paying off the previous year.

My Celsius. I think we have not much. We. don't have much left on it. It's like. I'd have to look, but maybe like 500. left. It was like 2500 and then we paid. it down. Okay. Okay. Okay. 500 left. And. then the the last year, how much? It's. 1,500 from last year. Okay. Well, this. year we owe three grand and it's three. grand. When you say this year, you mean. last year, right? Ah, yeah. So, how much.

is that in total? Talking about tax. What's our total minimum monthly. payments. that just got. because of the new tax season? I need to. get a new tax payment plan set up. Yeah. So, we don't even know. It's not figured. out yet. Yeah. [ __ ] sake, dude. [ __ ]. sake. Listen, maybe you just I don't. know. I don't know. I'll get you an. accounting certification for your. business so you don't the stuff from. course careers. But you got to stop. You. got to learn how to do. Dude, this is.

soing stupid. The gigs that we do are so. good that it's so promising. It's so. hard to like think about. You don't have. a gig. You spend everything to do it. walk away with nothing and then you're. and that's how you move forever cuz you. use a gig as a justification to blow. money on things you want. Yeah. We just need more. We just need. more. Yes. Yes. Sake, dude.

And if we want to increase revenue, we. need to do marketing. This is something. you've What the marketing are you going. to do? It's another thing. It's What's. your marketing strategy? Define it. Well, we don't have one because we don't. have a marketing budget yet. What? You. don't need a budget. They have a [ __ ]. strategy. True. Guys, you do business. the opposite way. Oh, for sake. What. marketing can you do? Well, social media. is a good start, but we're not What do. you do on social media? I mean, right. now it's just our Facebook page, our and.

our Instagram. What do you do on your. Facebook page and Instagram? What's your. marketing there? It's It's really just. like talking about upcoming gigs. Okay. You're a hobbyist. You're a hobbyist. You're not a business. You're a hobby. You're not a business. You're a hobby. You You studied marketing and didn't use. that. I didn't study marketing. I did like. one. It was a certificate. That's the. point. You were like ready to do. something for us. You took a class and. then didn't take the class. Didn't. finish it. Didn't apply anything. And I.

can't get you in the office to work on. these things. I did apply some of it. It. just didn't last. You're good at. everything I need you to do. You're so. good. There's so many things to do. There's so many things to do. Strategize. Yeah. I really just need. some time management. No. No. You You. need to not justify every purchase you. do. that, too. Time management. Yeah. Well, time management because it's like, okay, am I going to program for this gig? Am I. going to get the burlesque act ready?

Like, am I going to uh What is this. $10,000? Ontario. Okay. What is that? That's my student loan. That's my. student loan for like 6%. Which the 6% only applies to like half. of it or something. I think the one the. rest the other half of the loan is like. 0%. It's like the there's it's the. Canada versus Ontario. Thanks, Socialist. Canada. It's higher interest rates than. here. Dang. Well, again, like part of it. is 0%, part of it's like six. Anyway, I. don't really get it, but um it was like. $26,000 and now it's only 10. So,

there's that. Why? because I've been. paying it off since I graduated. Okay. But now I'm kind of like, well, the. Canadian accounts are pretty drained and. I'm not getting income from Canada. What. do you mean accounts? Well, I still have. like bank accounts in Canada. Shouldn't. be getting That's what I mean. It's like. I don't have Canadian income and but I. Why should you? You don't live there. I. was using the Canadian funds that I had. in that account. Replenish to pay off. the student loans. Now those are. drained. Replenish.

Yeah. That's where I'm like running into. it because replenish with my US funds. Yes. Well, I could or I could just file. Canadian bankruptcy and it would go. away. They forgive the Canadian student. loans via bankruptcy. Have you confirmed. that? Cuz it doesn't work that way in. the United States. Confirmed. I have. been out of school for seven years. You. though. It will my Canadian credit, but. it won't my US. Your US credit, but it. might come up in questionnaires. What. kind of questionnaires? For what? Questionnaires. If you've ever declared.

bankruptcy before. Oh, but if it's Canadian bankruptcy, they. don't care. I don't know for sure. I. don't know either. I don't know for. sure. But are you willing to take that. risk? Cuz you're in the world of. business. You might be looking at small. business loans at some point, which. don't Yeah, guys, cuz you don't even. have a business plan. I called I forget. what they're they're called. It's like a. licensed in LIT or some it's some. threeletter acronym. Anyway, so I called. them and I was like, "Hey, I'm having. trouble paying off this Canadian student. debt. Um, what should you shouldn't be.

You're just irresponsible and you put. money towards the things you want and. there it has nothing to do with your. inability to pay it back. You're. inability because you're irresponsible. So you you shouldn't even be able to get. it forgiven. Honestly, they basically. just told me to stop paying it. And your. degree is nursing. You can't use that. here. No, I'm I'm only You can't get. licensed here though by taking like a. like a licensing thing or something. No, I would have to go like straight up back. to school because the type of nurse I am. is only valid in Ontario. It's called a. registered practical nurse. So it's like. basically between your LPN and RN and.

like there's not an easy track because. it's only Ontario money. I know but it's. only Ontario that it's valid. So I would. basically be starting from square one. that's only available in one province of. because I had no idea at the time that. it was only in Ontario that it existed. You don't look things up. You don't you. didn't look up the career you were going. into. I just looked up the types of. nursing and that was the best fit for. me. Apparently I did. Yeah. You Yeah. Well, it was only 2 years of schooling. to like get out and the degrees aren't.

transferable, but how many of the. credits? I bet some of the credits are. transferable. Maybe um you haven't. looked. into it, but I tried to look into it. over co so then nothing was like open. and like what what wasn't open? Uh like. my the school in Canada was like here in. Canada. Well, that's what I mean. So. like during co I was here I was not. allowed to work because I was like you. know still visitor status like I didn't. have my status yet. So I started looking. into like oh like what would nursing in.

America look like and everything school. for marketing? No I took like an online. course for marketing once like years. ago. Yeah. Um, and so I tried to look up. nursing stuff, but everything was closed. down at the time because of COVID. It's. like my school like couldn't wouldn't. pick up. Like most of the institutions. that had anything to do with that were. just closed and I was like, "Okay." So. then I just kind of let it slide after. that. I didn't I didn't really like go. back into it cuz I'm not terribly Is. that all your debt? Cuz next I see.

crypto. Ooh. Ooh, crypto. Well, is that. all your debt? That's basically. gambling. But uh, is that all of our. debt? uh or sorry uh he's got some. student loans as well. So my student. loans, my student loans, mine are US. federal or private. I got US federal. FAFSA. I've got like seven grand that's. unpaid that I've been staying on top of. for the most part. I thought it was like. 4,500 that you still owed. Well, you. don't talk about money. So this is us.

not getting it in your spreadsheet. That's what it says from what you. remember about the last time you looked. at it, which was like in preparation for. the show. So, pretty recent. Good luck, guys. Is it seven or is it. 45? What's your minimum monthly payment. on our on your student loans? $85. I can manage that. Yeah, but that. means I can make it happen. You can make. the payment, but that means a lot more.

interest will be occurring cuz it's so. low. Um, okay. So, crypto 4,833. Cool. Sell. it. You wouldn't be I mean, you've had a. 32% loss, so there's no capital gains to. be paid. Swallow your losses, pay off. your high interest credit card because. in order to make up for the city double. cash you have, it would have to be. earning 30% in gains on top of the 30%. in losses you've done. So, you need 60%. in gains to for that to matter, which. you might get, but could happen. It's.

not. It could happen in anything, but. it's just like the 30%. We know for a. fact that's a return on investment if. you start putting that towards the card. And I I'm not You are not credit card. people. No more opening credit cards. You can have the Fizz card. Only allows. you to spend what's in your checking. account. So, it's like a debit card, but. you can just put Okay. Are we going to. sell this? I I'm pretty ready to sell. it. I feel like you're not. What is it. in? What is it in? It's That one's in. Coinbase. Yeah. What? What? Whating. crypto? Duh. Uh, Bitcoin, Ethereum, and.

then like some randoms. Yeah. When she. said randoms, what she's kind of getting. at is the fact that we were silly enough. to match a friend's $1,000 investment. when we certainly didn't have $1,000. That's almost certainly the 30% loss if. I'm honest because that was that Luna. coin that kind of tanked. I don't know. Uh the the the point being like so I. thought it was smart. That's in like. Cardano and it's in it's in common.

normal use. Sell it. Are you going to. sell it? If you say I have to you have. to sell it. You don't have to. But it is. off decl. It's an instant 30% return on. your investment. And actually it brings. you to break even. It brings you to. break even technically. That's smart. That seems like a great idea. Why would. we hold on to it? It feels like we've. got the stuff that that that it's like. playing the long game the right way. You. can ride it. I This isn't retirement. Trust me. Probably nothing retirement.

Nothing's in retirement. You don't have. retirement? No. I mean, I think I. actually have I'm like paying into. social security somehow that I have no. clue about. I probably also have like. some sort of Canadian something from. when I was nursing, but I don't know how. to access any of that. So, and it doesn't seem to matter cuz. I'm not in Canada. So, I just like I. feel like I've just like let it. sell or don't, guys. I don't know. Your. business. I don't think you guys aren't.

going to make it. Your business is ain't. going to make it. So, I don't even care. What is this so bad? I want to prove you. wrong. Prove me wrong. I don't care. Prove me wrong. $1,688 in our business checking account. Okay. Yep. I believe you. Okay. Uh, we. subscribed to a Patreon on there. Uh, we got $80 of food. Great. This is in the business one. Okay. And our balance went down from. being over 2,000 to,000. Great. Okay. Low balance fees. Total service charge.

fees. I'm so pissed off at that low. balance fee. Like, why can't we just. keep money in there? Cuz he spends it. all on hobby hopping. I don't have. access to the business checking. Just he. does. No, but when our joint checking. goes low enough or somebody isn't. putting enough money into it, then that. money has to come from somewhere. And it. does. But if we just had $1,000 in the. account, then we wouldn't get that. stupid balance fee. And I feel like. we've talked about this. And I feel like. I'm just we would have $1,000 in the. account with a lot less investing and a.

lot more contributions from both of us. regularly from maybe more regular. income. Mhm. where we could keep those. accounts going up instead of down. I'd. appreciate it, guys. With how many. accounts are left, you have to have way. too many accounts for all. There's no. way too many accounts. Well, it's such a. pain in the like I want by your choice. I want it to make sense for it to be the. fact that you have that you have a. personal savings and a personal checking.

inside your relationship. Yeah. And why. is that? And yet the sheer number of. accounts, the way it works with budget. apps, the way it works with like even. just trying to track each other's. spending like yes, it makes more sense. to blend it. I see [ __ ] in this. Well, I see savings and then checking. 10,79. Which one's that? That's wonderful. In. Verve. Verve. That's why it's so confusing. That's great. That's what is it? 10,000. in savings. Well, 7,000 and then 3,500.

in checking. 10,700 total. That's our. almost emergency fund. That's not bad. Why are we putting that towards debt? Cuz emergencies have like we we're so. pay off the high interest debt and then. save up an emergency fund. Okay, that's that's actually went up. This isn't that's not bad, guys. I feel. like it's been savings, but of like. trying to just just like bucket water. out of the boat that I like built and it.

it's never floated. It's like I built it. underwater. Yeah. And I'm like trying to. get the out of it by your choice. Okay. Uh I mean this is Amazon Audible. Go to. the library guys. Workspace Mountain. You're the subscription. Space I think. Uh. Amazon something one mountain. uh. withdraw some point of sale. Clarity. healing or health. See tickets. Shop.

Woodman's something the family groceries. yeah Woodman's is groceries SQPC. Squarespace so double Squarespace. Spotify GPT dropout. more lots of Google ones Asian flaming. Google ones Asian Flaming Zapier. McDonald's so business expenses in there. and that's not even the business. checking. account is so disorganized. spend theing day and switch things over.

Account, wasn't it? Right. I thought that was the. business one. Is this business? I think that was the business account. I. could be wrong, but they're all verbs, so it's a little bit confusing. We had a. business account before that. It just. says. uh why we have is it business savings as. well? It doesn't suggest. business. Doesn't say business anywhere. on here. Uh that's going to be Oh my. god, guys. Oh, that is a pile, isn't it?

More. of,500 this time across the checking and. savings. I feel like we just want to. shoot low. I just want us both to make. like 30k each. Yeah, I know how low that. is. I know how dumb that is, right? Then. figure out a way to do it. I'm confused. You're not doing You're doing everything. to not do that. So, I don't m I mean. McDonald's is I don't know, guys. Do you. love our McDonald's? more verb 2,000 in. this one. God, we have money. What are.

you guys [ __ ] doing? This is so. stupid. Amazon. Amazon. Real question. Should like is it bad for us both to. have our personal checking savings? Cuz. you guys over complicate things and. don't know how to manage worth a dick. I'd have a business checking account, joint savings, joint checking. Make it. simple. Okay. A simpler budget, you. might say. I think we could pull it off. Oh, you. guys got about $14,000 just sitting. aside. over Yeah, you over complicate.

everything. Just there. There might be a lot of. money set aside, but it's like we sit. there, we try to talk about what we. should do with it and then it becomes. overwhelming and we can't make any. choices and as soon as we can't make any. choices, it just sits and there's. nothing done. And you're right, there's. like enough coming in kind of there's. the ability to maybe pay all of this off. or to to at least meet these minimum. payments and yet like I can't sit and. talk about like I need you to put this. much money into the account this month.

and I need you to cover this piece of. this. like I appreciate it. I appreciate. somebody else saying that it does make. sense for us to consolidate because like. I've played it out. It's nice to try and. keep it separate and it seems to just. make a mess. Well, it's like I don't if. I'm going to get like a tattoo or. something for me like I don't feel like. he should have to pay for that. So, I've. just wanted to keep my own account for. you know autonomy and stuff and then but.

it does kind of over complicate it and. then and then when we're communicating. it's like guys what is wrong with this. TD account? I have overdraft interest. That's. a Canadian account. What is happening? Why is there overdraft interest? Cuz I. basically I lost the ability to log in. when I got my new phone. And so it it. just sort of like sat there, guys. You. can't manage a [ __ ] thing to save. your life. 4,000 hours in retirement. You can't do anything. You can't do. anything. Well, that's when I called.

about the thing cuz I was like, "Oh, my. accounts are getting drained." And then. what should I do about this student. debt? And and then they told me like, "Just stop paying it." And I was like, "Well, that's not a good idea." But it. was enough to just like stop me from. working on it for a little while. You. know, there's a trend here of like not. working on things because you're sick of. like looking at them. Well, it's like. when I look at the spreadsheets, it's. super depressing to look at all of our. expenses. And then when we look at the. spreadsheet with all the gigs coming in, it's like, oh, that's so exciting. So.

then it's just this very polar. experience of like, oh, should I not. spend any money? Should I spend all the. money that I have? It's like I I'm just. It's very emotional. I don't know, guys. This is just a mess. I mean, I don't mean to give up. It's. just you guys are way too complicated. and just like messed up. to It's like you have to figure out, guys. You have to sit down and actually. be willing to communicate on this money. Have to be able to give up our wants. Have to be able to go out and work. Have.

to not justify everything in our. purchases. A budget is only going to do. so much. I'm going to make it. But it's. just. like I don't know, guys. This is all. just soed up and messy because of what. you guys are choosing. 3,900 hits our. account on a monthly basis on average. That's good. How'd you find that? That's. a cool number. By the number you guys. gave me at the beginning. What the are. you guys? It was like a good month. That. was a good month. No, it's based on what.

you said you guys bring in on average. You guys answered that. I This guys, I'm. What the am I dealing with? Okay, your. debt payments total are. $717.72 on a monthly basis. What's your. rent? Oh. Uh oh my how do you not have a. number? 1308 is what we pay together. It's 1978, but then we only pay 23 of. it. Utilities 150 a monthish. Is that. including internet?

That's utilities for us. Let's say 200. including internet. Gas electric. Internet sake guys. For sake answer. question. Phone bill. How much? Oh, I'm. still financing my phone. How much? My. phone plan is $80 and like 20 bucks for. the for for some bills. And your phone. plan is on the same bill. So it's I. don't know. It's more like $160. You had.

to get a really nice phone because you. wanted a nice camera. $40. Shut the [ __ ]. up. My gosh, guys. You just need to. answer questions, please. I'm just. trying to get numbers. I'm sorry for. being irritated, but for sake, just. answer the questions. Bring it on. Oh my. gosh. Switch to Helium when you guys are. done paying off your phone if T-Mobile. works there cuz then it's it's much. cheaper. Like 15 bucks a month. Nice. For I can call Canada if they have. T-Mobile. Oh, yes. Yeah. Okay. Yeah. Great. Okay. Transportation. Gas. Vroom.

Vroom. Drive. drive. How much? 150 every. two weeks each. 300 a month total. Total. Good. Car insurance. 85 total for. both of us. That's also renters. Not. bad. Okay. $600 for food. Use the. cookbook. TP fund. $200. Anything else you guys. need to survive? Okay. Medical, healthcare, anything? Yeah. Health. insurance, right? Like, and then dental. Yeah, you guys got Yeah. How much How. much is that total? Sorry. Debts or just. like insurance? You have medical debts.

How much of medical debt you have? I. asked how much is this all your debt and. you said yes cuz it was all my debt. It. was all debt. How much in medical debt? Three grand. And are you on a payment. plan? And there's a new MRI that hasn't. been added yet. How much will that be? I. thought I don't know yet. Oh my. Okay. Is there a payment plan on the three. grand? There is no payment plan. Hey, medical payments on a monthly basis. What? This is health insurance. This is.

out of pocket. This ising co-pays. This. is Sorry, I'm still shocked. Medication. I'm shocked that I'm not hearing a. number. 120. That's it for medical on a. monthly basis. Okay. Gym. Uh that is 50. and 85 for 135. Okay. 135 and the gym. How what's the health in a cat? He is. like seven or eightish. pretty good. health. But okay, no pet insurance then. Probably too old to qualify, I think.

No, we did get actually a pet insurance. and it would have been like it's going. to be 35 bucks. Okay. Get get pet. insurance 35. How much for cat food? Um. I'm going to say like a big bag of It's. $60 every two months. Yeah. Pay 30. bucks. Anything else that needs to be in. your budget? Yeah. So the subscription, this is a really. good one. Okay. How much for. business? How much? No, cuz this is this. is net, guys. Your your income was net. So that's not including business.

expenses, but they're partial. Things. like Spotify being like 50% of a. business expense for your business. Yeah, that's how we play the included in. your business expenses, which comes out. before your net income. So like Spotify, Zapier, Google, but. there's nothing that's not a business. expense, right? I hear what you're. saying. Um, Audible, Paramount, you're you're canceling Paramount cuz. there's nothing on there. You're. canceling Netflix cuz it's all [ __ ].

You're canceling Audible cuz you're. going to go to a library cuz you live in. a major metropolitan area and you're not. aing child. Well, cancel well presents. Plus and NordVPN. No one's ever heard of. that. Yeah, fine. You can cancel that, too. Drag race. It's a great show. Yeah, I just didn't know it was still. happening. It's Yeah. Still going. Season 17, baby. Sure. Congratulations. Yeah, you're uh about $200 under what. you guys need to make. So. $4,772. I mean, it's this is I mean, the. income is the situation, but you guys.

shouldn't be in business together. I. don't even know if you should be in. business. You need to go out, get a real. job, maybe manage the business, work. that stuff on part-time. Just show up. and perform. Uh good luck, guys. You are. so beyond disorganized and out on the. same path together. This is uh really. bad. Really bad. Really bad. Really bad. Really bad. Really bad. And I'm just I'm. just over this conversation. And what a. Oh my gosh. Guys, join us in the post. show. Join Hammer Elite in the. description below for the best YouTube. membership on the platform. The platform. themselves even acknowledges that. And. that is because we offer more than any.

other YouTube membership. Thousands of. hours of content a show every single. day. Your hammer financial score. spending in a budget. You overspend zero. out of 10 off guys. You think you're just you love. yourselves debt? We do. We have IRS debt. and medical debt. Zero out of 10. Emergency fund. Emergency fund. Yeah, there is some money. Yeah, just put pay. off the debt. You guys have the. money sake. This is. so This is beyond just take every and.

put them together. And that is this. emergency. fund. I said that because you look like. someone that wouldn't like that word. Okay. Emergency fund. It's a really fun. word. It just, you know, has to be pay. off the debt using the right and then. the emergency fund will be at like a. Well, no, no, no. Because of where the. emergency fund at, it's at a 10 out of. 10 now. You got to put it towards the. debt, which is zero out of 10 now. Ter, actually, no, it's not cuz you own your. own business, so it's five out of 10 cuz.

it needs to be double. Retirement, you. have a little bit there. Crypto man, it's going to be about a two out of 10. Real estate, it's not a score yet. Hammer financial score 1.5 out of That's. not 10. Shut the up. I'll see you guys. in the post show and make sure you. download the budgeting app if you don't. want to end up like them. And sign up. for the annual version and I'll send you. our cookbook which you can't purchase. anywhere or get anywhere else mailed. directly to you signed by me. See you in. the postroom. They just told me. something. They just told me something.

So this explains everything. This. explains everything. You know how they. survive? You know how they survive on a. monthly basis? They survive because they rely from her. cuz they don't make enough to survive. So you think they'd be getting elusive. members content? Click the link in the. description or pin comment below and. watch thousands of hours of extra and. uncensored content.