He Came Here To Fight Me | Financial Audit

And you need them to survive. One time. purchases and you need them to survive. One time purchases and you need them to. survive. One time purchases to survive. that are not going to be made in 2025. Doesn't matter. You needed them to. survive. So our spending Hey, how about. we go into the finances and look what we. can fix. Here's a fix. Don't spend. $120,000 in a year, you dumb. What the. do you mean? Do you feel any kind of. resentment here? I don't think I would. have ever married her. 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 Lady. I'm 26 years old. Hi, my name is Manny. I'm 28 years old. and we're from Pittsburgh, Pennsylvania. And this is the financial audit. The financial audit right here. Thanks. for coming, Austin. What do we do for a. living? Let's start with lady cuz lady's. in front of me. It's an interesting fake. name we've assigned you. Like why the. aren't you guy? I I don't know. Um I.

don't know. You look like someone named. guy. Well, okay. What do you do, lady? Uh I'm. unemployed, so I'm just home all the. time. All right. Yep. Guy. So I am. currently a substitute teacher. Um my. local How the are you guys living? No. offense. Like I don't even need to ask. the wage for that. I know it's not much. How the are you living? You also look. like a substitute teacher. I know. So. this is like Okay. So you go in, you put.

a little DVD into a machine and they can. just sit and go to sleep while you're. there. You babysit. I wish. Um so unless. you're a perma sub. Are you perma subs? We're in every day. Um currently I'm. teaching 8th grade integrated science. Our principal had medical emergencies. So the eighth grade science teacher is. now the principal. So we kind of all. stepped up positions. It's still the. same pay, but tell me what you're. making. Um, so it's 175 a day. It's. daily pay. Um, it averages to about 23.

and some change an hour. Okay. What hits. your account on a monthly basis if the. weeks are full? Because we don't get. paid for like days school's closed or. like spring break or anything. Um, it's. 1,400 even every two weeks. Oh, every. two weeks. Every two weeks. So, yeah. 2,800 a month if school's open, but it. is not always and there's like three. months where it's definitely not. correct. Like this paycheck is only six. days, so it's going to be rough. Why?

Spring break took March. Spring break. was Friday and Monday and then being. here missed uh two days. So, but I do. also have a second job. Why are you. unemployed? Um I am uh I'm an I am an immigrant. Yeah, you are. I hear the accent now. Okay, hold on. Yeah. So, uh I'm. currently trying to get my You guys. married? Yes. Yeah, we are. How long. have you guys been together? Uh since. May, uh sorry, June 2022. Yeah, we've.

been married for about a year and a. half. September of 23. We got married in. a year. Yeah. Yeah. A little over a. year. Yep. Little quick, but very happy. Yeah. Okay. Yeah. Where are you from? Uh, I'm from. Zambia, but I am Somali from Zambia. in Africa. Were you guys on a different. show on TLC before this? No. No. 90day. Fiance. No. Um, she was over here for school and.

we met on a dating app and that's kind. of what kicked it off. Yeah. Mhm. Okay. So, how long until you get this work. visa? Um, I applied for it. Uh, I had. one and then it expired in August of. 2024. What were you doing? Uh, I was. working in customs service. Okay. But. that's that is money and we need money. in Pittsburgh. Cost of living area, edge. of the rust belt. Okay. Yeah. Not. horribly the most expensive. But. substitute, you know, pay with all the.

time like what the what the do you do in. the summer? So my second job that I work. at Yeah. that I work with concurrent. with uh school is at CVS in concurrent. with school. Yes. Oh wait, no working at. school. Not being in school. Well, I'm. also in school in school. What are you. in school for? To get my teaching degree. for my masters. Oh, thank masters. Why. master? Why are you substitute? What's. your bachelor's in? UX design. So I did. an online UX that makes money. As soon.

as I graduated um is when CO really hit. and everyone got laid off. So CO really. hit. That's when [ __ ] tech hiring. went crazy. After a couple months after. like 6 months into co you could have got. any job youing wanted. I wish I applied. to over 200 US and you probably sucked. at your applications. Maybe I did try. You didn't have experience for what it's. worth. But they now engineers where they. were like let's overhire. Let's pay. whatever is necessary to get them like. right in the middle of COVID. And that. is not the case anymore. And it's really. hard for a lot of people. But yeah, UX I.

I get it. It probably wasn't as crazy, but I you had to have some kind of. opportunity. Like there's a certain part. where it was probably your interview or. resume skills. Well, the problem is. getting the interview. So, um then it. was your resume skills. Yeah. Getting. the experience to even get like a. resume. You would have had to do some. contracting jobs. Step in the door, dude. I I try. It's so difficult. Yes, I. did. It's so difficult to get anything. UX even with like I had a portfolio. website that had like my school project.

and stuff on it. It wasn't good. No. offense, I'm hiring people right now, but every time I school see a school. project, it looks like a school project. and Iinging run away. I would rather. almost have no experience than school. projects. I had a good mentor who was um. he was head of UX at BNY Melon. Um so he. was local in Pittsburgh cuz we have a. BNY Melon like building there. Um and he. tried to help me out with portfolio and. everything. So I took his tips and. everything and still just I couldn't get. anything. Um, and so to get money, um, like right when we started dating, I.

think, um, UX design, right? Yes. Um, my. sister is a full-time teacher up at the. like elementary school. Um, and she. said, you know, I'd make more money. there than what I was doing working at. CVS. Um, so I kind of have been there. for like 2 years, realized I enjoyed. teaching. Um, so I started to go back. and get my masters. So, which I vibe. with. I wanted to be a teacher for the. longest time. That's why I like making. the educational things that we do. Yeah. And it's it's really fun. I enjoy it. Uh. my last two classes finish up in like 2.

weeks. I do have my student teaching and. my practice to pass. Um so hopefully by. December of this year, I'll be fully. certified and able to start making. actual salary. Uh we see about 16,500 job openings. projected each year for web developers. and digital designers over the decade. Over the decade, sorry, but each year uh. for the remainder of the decade. And. we're expecting about Bureau of Labor. Statistics is projecting an 8% growth. employment for web developers and.

digital designers from 2023 to 2033. Now. AI is throwing a wrench in some things, but that was not as much of a case when. you were doing that. I really think you. probably just had skill issue, dude. Skill like resume issue. It it's fully. possible. Well, I don't think if you. were applying to that many and you. weren't getting an interview, I think I. think that's Yeah, you would have gotten. some interviews, buddy. Yeah. Um, I. definitely didn't put my best foot. forward like in school. Uh, didn't try. as hard as I should have. Were you.

putting your uh were you were you. putting your GPA Oh, my on your resume? So, uh yeah, my GPA I graduated um from. my college I want to say with like a 35. 36. Did you put that in your resume? Yes. Why? Uh, who cares? Just say you. have the degree. Uh, because I was told. by that guy at BNY Melon that he does. look at GPA and then you didn't get. hired. Correct. Or interviews. Correct. So maybe we're not listening to him. I I. think he was okay, but I also learned.

like he didn't get any job interviews. I'm perfectly fine with the fact that. now that I have a bachelor's, that's. kind of useless. Um, as long as I get my. masters, I'm happy teaching. The problem. is like So teaching in what? What do you. want to teach? Math. Um, so I really. enjoy teaching kind of like 9th, 10th. grade level math. Kind of like algebra. 1, algebra 2, geometry, that sort of. thing. But they're telling me you guys. are thinking of moving to Zambia. eventually. Yeah, I'm pretty good at. geography, but I don't think I can point. to Zambia.

Well, I'm here. So, I can point to. Somalia. Oh, Zambia is south down south. So, there's like there's a lot south. There's like South Africa. Uh, okay. That's very far from Somalia. Okay. Yeah, I don't we don't need a we're not. this isn't geography audit. Okay, but if. we're looking at getting a master's. degree in math and we're talking about. moving to Zambia, what the [ __ ] are we. doing? What is going on? So, um as far. as moving goes, all of my family lives. within about 10 minutes of each other. Um, so.

until I always said till my parents, you. know, when they get older and they kind. of pass away. Uh, it sounds morbid, but. I kind of want to stay close to my. family until, you know, everyone Then. what is this talk of moving to Zambia? After they How long is that? Is my. parents right now are both about 60. So. wait, this is Okay, so we're talking. like 20 years from now, maybe. Like why. why the are we talking about this? Uh. because obviously if I get a teaching. degree now and I move to Zambia and we. want to live somewhere where the GDP per.

capita is $1,300. Yeah. So it's kind of. like okay so if we're moving to Zambia. obviously her family's over there that's. where she's from. But getting out of. like our American debt um the conversion. is about a couple escaping from their. American debt from their own pay. Also. 20 years 20 years until you can even go. 20 years is 20 years. I mean, we're not. 20 years of debt. Yeah. But at the same. time, when she gets a job, if her work. visa ever comes, um the currency.

conversion to her country is about 28. to1. Um so what we make over here, when. we can get out of debt, if we can save. up, even like a year or two's worth of. salary, we're rich over there. Uh yeah, but that's if you can save up and you. pay off your debt, that is so many ifs. And if you're on this show, you probably. yourself, correct? So I don't know what. we're talking about. Plus, you're just. going to be a math teacher anyway. It's. not like you're going to be going like. crazy. True. Um, but also my teaching. degree from here, I can also teach over. their math because their native their. native language is English. The average.

salary. Yes. But like I said, paying off. our debt here then allows us to save and. use that American if you do it. But. you're on this show, meaning you've done. literally the opposite. But it's not an. if we pay off for debt. It's a when. It's going to happen. No. I've seen. people on this show in their 60s. I. think even one or two in their 70s. That. is not a win. It you can go tell death. This is aing America, buddy. Consumerism. to the tit. You're going toinging stack. it all up until you die. You don't think.

that this doesn't just change with age. It's changing with behavior. You're not. changing behavior. It is not a win. thing. It is not a mathematical equation. in your sense. This is you having to. actually put in the action. But a big. problem with like why we are in debt is. because of her work issues, her work. visa. If she was making a decent salary. right now, 161 17 bucks an hour, even if. she was making the $30,000, we would be. able to get out of our debt much much. easier. Maybe not, you know, perfectly, but much less than 20. years. I think the main reason that.

you're in debt is you make 2,800 because. you are being a substitute teacher. instead of actually trying to figure. something out and even working another. job, you know, a better job, which you. totally can. and you're in the age range. where you're in like getting close to. prime earning, you have a lot of. opportunities. And then you spend. $3,600. So in a month, $3,600 in a. month. Yes. By the income that you are. choosing, which is not always that high. because you want to do.

this. You're choosing to. It's not just. cuz she doesn't have a job. I think we. should get you a job. It's not allowed. Yeah, I know. And that would be great if. we can get there, but that is not the. sole reason. You're using it as an. excuse instead of you actuallying up a. little. So come December when I can get. hired as a teacher. Step one pays. $48,000 a year with a master's degree. Math helps, which is 13,000 more than. I'm making now. Yeah, let's get a degree. to make 48,000. So starting by step 20,

if I stay teaching for 20 years, that's. about $98,000 a year. Oh, buddy. Listen, in our generation, because we're. pretty close in age, the average is we. leave jobs in 2.5 years. Yeah. I don't. think that's ne a lot of people that get. in teaching, they stay in teaching, you. got the the, you know, a lot of the. government benefits. I'm not saying. that's 100% you, but to just bank on 20. years with what our generation is known. for. I don't know, man. I thoroughly enjoy.

teaching, so I plan on staying. I bet. You don't know what's going to happen. with what you're interested in, the. school you're interested in. Maybe. you're not actually that good, you know, once you're in the classroom and. dedicated full-time. Like, who even. knows? You're banking on a lot. I am. banking on a lot, but at the same time, if I bank on nothing, then I might as. well just sit around and do nothing. How. much does a UX designer make at 20. years? Uh, probably well over 100,000 a. year. Mhm. Right. But at the same time, with. teaching, I also do work a second job. I. do enjoy the quality of life of, hey, I.

get out of school and I'm done working. by 3:30. Um, grade some stuff over the. weekend. So, I enjoy quality of a life a. lot. I think that's cuz you're a. substitute. Basically any teacher I. know, they're working well past 3:30. Well, 3:30 they get out of school, they. can grade after, but a lot of the times. with how at least the school I work at. is run now. Everything's online. They. don't have to really grade anything. And. once you're able to start working again, what is your work experience? Uh, I have. a lot. Um, I've worked in management.

I've worked in. uh travel uh travel ticketing. I've. worked in customer service uh customer. as a customer rep. I've worked as a um. what are they called? Uh met medtech and. uh aid at senior living homes. I have. worked uh logistics. That's actually the. one I've worked the longest.

Logistics. So, like with her customer. experience, um the company, she has an. NDA, so she can't say necessarily what. company she worked for because of who. they help. Fine. Um but customer. service, she dealt with like financial. stuff with people. Um and what helping. them cuz I guess you need her. It's a. certain financial app that you can. invest in. Um she was helping them with. like their accounts and deposits, that. sort of stuff. Okay. Um, she was I don't. want to say bad, but her managers kind. of let her have it because she's not.

necessarily Americanized enough to when. we call customer service apologize to. people. I don't speak to a single. American when I talk to customer. service. But like how they're all. supposed to say, "Hey, I'm sorry you're. going through this problem or let me. help you." And all this stuff. What'd. you say? She's straight to the problem, straight to the solution. Here, I fixed. it. Have a good day. Bye. Cool. Why did. you adjust and not be bad at your job? Uh cuz you felt like I'm faking it and I. really didn't care. Yeah, but what about. keeping your job? Well, I mean I mean.

technically I was good at the job. I was. kept getting in trouble for that. Ex. Yeah, except I wasn't apologizing. enough, which I think it's fake. And and. personally, do they tell you to. apologize more? Yeah, then that's. youring job. I Yeah, but then. personally, I always look at it as if I. was on the phone call and I called. somebody and I have an issue, I want. them to tell me what the solution is. It. doesn't matter. It's not your company. But but that was fake. But I didn't want.

It doesn't matter. It's your job. I'm so. confused here. I know, but I don't care. how you want to cook the burger. If the. restaurant tells you how the burger is. cooked, cook the burger. Yeah, but I I. didn't like that. I hated it so much. I. don't care. It's your job. What are we. talking about? So, especially with hers, um, customer service is so time based. that going through all that apologizing. and stuff, she was going over her time. limit. So, she was getting in trouble. for them telling her to do the thing, but then she was doing the thing and. then going over the time limit. So, then. she was getting deducted on that. Yeah,

that too. Cuz they give you like a time. limit. Okay. So, you weren't good at. your job. No, I was good at out of. everybody. Did you get fired? No, I. didn't get fired. Her work permit ran. out. Yeah, but but a lot out of like. everything status. So, you guys are. married. What have we done? So, we got. married. We filed it's an I131, which is. like my petition for her to stay here. Yeah. Um, then we had to file the I485, which is her adjustment of status. Um, which is basically saying like, "Hey, we're legally married. I want her to get. a marriage green card." Um, that's been.

pending about a year now. Over a year. Um, and then we filed for her work. permit in August and that's supposed to. take three to five months. It's been. eight. Yeah. So, right now she's legally. here on basically a marriage green card. cuz while that's pending, she's allowed. to stay here. Um, but we're kind of just. waiting on interviews and waiting. Everything's going to change when she. has an income. We'll have much more money to pay down. debts much easier. I'm looking at. getting rid of I assume your spending. will just go up cuz look where you are.

We're at $70,000 of debt. Why no? You're. confident with the No, you're already. 100% confident. She already had an. income before, correct? But we How long. has she not had an income? uh since. August 8 months. That is when our credit. card. This is not $70,000 in 8 months. That's spending you. Well, $70,000 in 8. months. Our spending has skyrocketed. because we also moved in after we got. married cuz we're not allowed to live. together before we Oh, no. I moved into. a place. That means I have to spend. $70,000 in eight. What are you talking. about, dude? A lot of our expenses were. with her not having a job. We have to.

put on credit. $70,000. That is you. living above your means. You do not need. to live on $70,000 in eight months. That. we are talking at that point. You are. living off of $110,000 a year. That is, you are not making that up with an. income. What are you talking about? A. lot of this stuff over the past year are. one-time purchases that are not going to. be made in. subsequent. You needed them to survive. So, our spending doesn't Hey, hey, you.

our spending is going to go down because. of those onetime purchases are no longer. on the budget. Listen, listen, listen. Next year, maybe you'll want to buy a. chin. I don't know what's going to happen. At. some point, everything gets pushed. Everything, you will find a replacement. for that spending. The spending that you. did last year that are one time, you're. going to find one-time purchases next. year. I only have four of these. conversations a week. That's it for 3.

years. you. So, you're saying my. position is the same as everybody else's. position and that I'm not unique in any. way. So, why would I be on this podcast. in the first place? Yeah. Basically, because essentially everyone that comes. on the show, trust me, I've heard that. this show just because our spending was. bad in the last 12 months does not mean. it's going to be bad in the subsequent. 12 months or the 12 months after that. Behavior just changes because we wake up. one day. We are here to get our behavior. changed and look at what we do. I don't. change behavior. I will give you advice. of what you should and should not do. that. But you spend our behavior. Yeah. If you follow it, that's what we want to.

do is follow it. That's why we're here. That's why we're here. Okay. [ __ ]. bingo. Got it. Ding, ding, ding. Buddy. Everyone says that again. You think. you're unique. You're saying exactly. what everyone says every single time. Okay. I am here to get help. If I didn't. want help, I would not be here. Then. maybe you shoulding listen instead of. interjecting. Oh, yeah. Go ahead. Interject. No, go ahead. There it is. Okay. Your one-time purchases that you. did last year, you will have one-time. purchases for the rest of your life. This is what happens every single time.

And even still, even still, she did not. have a job since the middle of last. year. Since after the middle of last. year, and you guys chose to live on. $120,000, even if they're onetime. purchases, I don't give a You chose to. live off of $120,000 a year when you. barely make scraps. So, I don't give a. if they're onetime purchases. You chose. that. You chose that. So, how about we. go into the finances and look what we. can fix, buddy? It's a fix. Here, here's.

a fix. Let me give you a little fix. This will solve your entire issue and we. can fast forward instead of doing an. hour and a half. Here's a fix. Don'ting. spend. $120,000 in a year, you dumb making. $30,000. Let's be real. If your private. student loans have your eye in a third. job at the local taco. stand, maybe it's time for a better. plan. Why Refi is your lifesaver in a. sea of debt. Unlike the typical lone.

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yrefi-78. And get out from under the. weight of private student loans. Let's. make your debt meltdown a distant. memory, not a daily reality. We were. fiscally irresponsible and that's what. we are here to try and fix. We want That. is not how this conversation is going to. go. Stop trying to control this. Okay, you little doineering freak. That is not. how this is going to work. I am trying. to learn about you. I get into your. brain. We figure it out and then we go.

through the finances and then I get to. learn about them based on the. establishment that you set before of. your personality that I get to know. about you and why you did the things. Guess what, special guy? I don't know if. math teaches this, but when I look in. your most recent month, I can't see what. you spent in August. So, yes, we're. having a conversation about what last. year look like that got you into $70,000. of debt. I agree. Yeah, I don't think. the master's degree is going to solve. that equation for you.

So, yeah, we're going to talk about. maybe the mistakes you made. Absolutely. I 100% agree. So, stop with the let's go. into the documents then. I know. We're. going to go into the numbers that. happened in the last month. Okay. Okay. So, why the do you think it is okay to. spend. $120,000 in a year making 20 to 30? Never said it was okay. Then why did you. do it? Fiscally. No, that you chose to. do it. Why did we do it? We were. fiscally irresponsible. That is not an.

answer. Why did you choose to do it? That is not your choice. The fiscally. irresponsible is not the answer. I want. to know why the you did it. self. assessment try to get any kind of. reflection in your life. Why did I do. it? I don't necessarily have a great. answer for it. I'm fiscally. irresponsible. Oh my gosh. That is not. going to be an answer. So much of this debt just spend money on. dumb. There we go. There's Oh, there's. an attack. So, what are you getting? This one time purchases that you're able. to justify for an entireing year, which. will apparently never happen again in.

the rest of your life. Never said that. Okay, then why are we defending. ourselves like it's just onetime. purchases that'll never happen again? Certain onetime purchases will never be. made again. I have already replaced but. they will be replaced with other onetime. purchases. What you don't want to do is. replace them. They always will. But you. say they always will. They don't. necessarily have to always be with the. with your discipline if you choose to. I. that's and that's what I need to work on. is my fiscal discipline. Yeah. So let's. learn about why you did those in the. past. Tell me what were you purchasing, dude? Instead of just saying I'm. fiscally irresponsible and trying to.

move on. What the did you actually do? Be completely honest. I didn't know we. spent $70,000 a year. That's why I'm. saying I don't answer the question, guy. You don't need to sit here and try to. look. I don't know what we spent that. money on. The $70,000. You can't reflect. to three months ago. $12,000. You keep. bringing up onetime purchases. Tell me. about any of them. Any Wait, couches. onetime purchase. Oh, he figured it out. He He was able to get an answer. We got. there 10 minutes later. Couches onetime. purchase. TV onetime purchase. All the. stuff we've had to move. $7,000. Couches.

and TV. That's what I'm saying. I don't. know what this $70,000 is. All the. stuff. all the stuff we've had to move. in. Plates, dishes. You needed a TV to. survive. Well, we've had our TVs, but. Okay. So, that wasn't it then? Okay. So, desks for her to sew, sewing machine for. her to sew, so she can try and make some. supplemental income when she's allowed. How much have we made? Uh, none so far. because. she's not allowed to make any money, whether it's cash or then maybe we. shouldn't have purchased for something. she can't do. That's when she was. allowed to work. And did you make any. money during that? No, cuz Okay, so. [ __ ] Keep going.

Uh I I don't even know what other. onetime purchases could be. Lots of. food, lots of you know I mean your. passport doesn't really count because. you had to get that. Um but going on. vacation to Ocean City we Yes, that is. necessary for surviving and moving into. a new place. This guy what are you. talking about? That technically that was. before but how much you talk about since. [ __ ] the unemployment cuz your entire. I want let's frame let's frame back. Let's get to where this started. You. specifically said we are going to get.

out of debt when she gets income cuz. everything's going to change because we. got income. However, obviously. mathematically you can do that part. You. know that that is not why you're in this. debt because no amount of income she. gets unless she gets a six figure job. would make up for the kind of spending. you guys did last year. So tell me what. the you guys were doing since she got. unemployed spending money on dumb. Also. I don't really purchases. Also, I don't. really have the money coming in to kind. of Hey, how about you work like a. [ __ ] man then? I am working. What the.

do you mean? You took 3 months off when. she was unemployed. I didn't take 3. months off. It was summer break. I. worked over the summer. What' you do? I. work at CVS. You said you weren't. bringing in money. You would have been. bringing in money if you're working 30. hours a. week. And don't say you didn't bring in. money. I never said that. Did he not. just say that? I never said that. No. I. I I work at CVS while I work during. school. And over the summer, they don't. let me work full-time. They let me work. 30 hours a week. Who doesn't? CVS. because they can't transition me from. part-time to full-time because of. benefits. But but you pick up a second. job somewhere else. That's what I'm.

trying to do right now over for over the. summer. Last year I don't give a [ __ ]. about right now. I'm We're still talking. about last summer trying to follow. along. Yeah. Why didn't you work a. second job? Because she was still. working over the summer. She got. unemployed in August. Why didn't you. pick up a second job? Why couldn't you. pick up a job in the evenings? You don't. make enough money. CVS in the evenings. It was CVS in the evenings. I work So I. work at CVS. Why did you work at CVS. right now? I am. I Why did you say that? I asked what you do for a living. You. How am I answers without a full picture? Listen, to be fair, you cut me off after.

I said substitute teacher and I never. got to go back into that. How much you. make at CVS now? Uh, it's about $19 an. hour. How many hours a week are we. currently working during school? It's. about 10 hours a week. I work there. Mondays and Tuesdays after school. You. can do more than that. I work there. Mondays and Tuesdays after school. They. don't let you work Saturday. Sundays. Sundays are only open for Are there. other weekdays other than Monday and. Tuesday? Yes. Might need to check your. calendar. still have my schooling that I. have to do. Okay. And what when does. that take place? I do my schooling. Wednesday, Thursday, Friday.

I'm in online school. Um when are the. classes? What time there? It's all. asynchronous. So I do it whenever I have. time. There's no like live lectures. Okay. So you can work after school for a. few hours. Yeah, I do work. But. Wednesday, Thursday, Friday, if I come. home at CVS, I usually get home 9:00. p.m. I have to wake up at 6:00 a.m. to. go to school. If I do my school like. after so you're doing the thing that the. rest of us have done all throughout life. when we had to sacrifice and maybe you. get a little less sleep. Okay. Yeah. To. pay the bills for your wife the roof. over her head since she doesn't have a. choice to work. Yeah. You man up a. little. Okay. I I completely agree.

That's why I'm looking for which is why. you didn't do that. That's why I'm. looking I love how this guy is like. we're going to do this. Everything's. going to be good. This one time. purchase. Everything's going to be good. in the future. You're right. I will do. that. I'm here guys. It was just it was. just I was just financially insecure. How about like that's not how this. works. You don't just get out of a push. back by saying, "You're right. I'm just. going to do it." No. Why weren't you? Cuz I can't just believe you're going to. do something if you're just going to. say, "Because when I'm already working. in school and I'm already working that. second job for two of those days a week, the other three days I'm doing let you.

work on the weekend." No, go to. McDonald's. Why would I want to go work at. McDonald's? Sure. $15 an hour. I morning. money. Yeah, money. I have schooling I. have to do as well. Okay. You didn't say. that. You said Monday, Wednesday, Friday. again. How am I able to have any kind of. assessment if you refuse to answer a. question sufficiently? I am perfectly. capable of working, but I don't want to. work 7 days a week. I don't give a you. want. You're under by $1,000 and you. have a wife who can't work and it is not. her fault. Yeah, but I am not working.

seven days a week while I am in school. Yes, you are. I'm going to fail school. That's going to be more student loan. money that I'm going to have. But you. said you did school Monday, Wednesday, Friday. You did not say Saturday and. Sunday. I do school Wednesday, Thursday, Friday. Wednesday, Thursday, Friday. You. did not say Saturday, Sunday. Saturday, Sunday. Okay. Like maybe I could pick up. a second job. Yes, that's what I just. said. That's literally what I just said. That's what I'm trying to do for the. summer right now. I'm applying to jobs. currently, not for the summer. I'm. saying what? If they hire me now, I'll. do it, but I'm applying for so many. You. can run the rest of this conversation of.

Yes, you're right. I will do that. I. want to know why you didn't do it. because I will have no faith. It's just. like someone who comes on has all this. debt and says, you know, I'm just going. to pay it off in the next year. By the. way, that's exactly what they just said. earlier in the conversation. How can I have any kind of belief in. that if you have not been doing that? That is why I am trying to ask questions. as to why you are not doing something so. we can diagnose and find a way to get. you to actually do it in the future. The. answer of oh I was just financially. insecure and I'm not going to be. That's. not a answer buddy. You do not get. anywhere in life with that. So why I.

didn't work? Yes. Why are you not. working on Saturdays and Sundays? Because I'm lazy. That's my time to. recuperate from the week. Great. Could I. have done that? You married a lazy man. who's not willing to keep the roof over. How does that feel? She has a roof over. her head actually for. now. Keep going $1,000 in the negative. every single month. We'll see how long. that lasts. You're married a lazy man. How does that. feel? Um I don't I don't think he's. lazy. Really? I think he's okay. He's. not willing to work Saturday and Sunday. Yeah, I think he should take a break as. well. You don't want the bills paid? He.

does pay the bills, but I think you are. under by $1,000 and debt is going up and. we're at the $70,000 since you went. unemployed. What are we talking about? You're going further than debt. That's. not paying the bills. Do we know what. paying the bills are? A little concerned. that both of you do not know what paying. the bills are, which makes me a little. nervous for the future of this. conversation. Going to debt is not. paying the bills. We do realize this, right? That is actually additional bills. now. Yeah, but he he is working two jobs and. going to school. So, I do not think he's.

lazy. He is not making enough when he. has time to go make more money. And he. is choosing not to. And he just said, "Because I'm lazy." That was his own. words. He literally just said he was. lazy. Yeah, but I don't think he's lazy. Oh my gosh. He's not making enough money. when he has the choice to go make more. money. I don't know what to do. This is. sucks. It sucks not to have a break. It. sucks not to have a break. We all want. to have a break, but we all sacrifice in. the time of need. And you're in the time.

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uh I want to see Yeah, you know, just. working away and it's not Yeah. Okay. I'm currently applying to jobs and. that's what sucks is like I'm going to. have to work these seven days a week. until her work permit comes in, but. that's a crapshoot when it comes in. They basically said because they fired. USCIS representatives. Um, everything's. getting pushed back so we don't know. Currently in the process of applying for. jobs, but it all depends on who gets. back to me. I have remote jobs I've. applied for. I have, you know, like. local Harbor Freight, Home Depot,

Target, that sort of thing. I'm just. waiting to hear back. Like that's the. thing. What is your resume? Cuz you're the only. person in the entire world that will. apply to thousands of jobs and not get. one interview. Uh that's not true. That's not true. I also applied to. multiple jobs. Okay. No offense. You're. in a very unique situation. True. I you. do not qualify in that. Yeah. Cuz yours. before like you have cuz your social. says you can't work. You had to put like. hey I can only work till August of 24. and people aren't going to hire you for. that. Yeah. But that's not why I had in.

my resume. Yeah. But I mean like it does. suck that like we're in this position. and like obviously I want to take care. of my wife. Like I want her to be like. happy and we're not in debt and all this. stuff. You want to but then you don't. need the one-time purchases. I'm still. not aligned with I do not accept your. one-time purchases. You chose to do. them. Chose to do them. If we are caring. about the household, it is not getting. aing dream bed frame or whatever. I. don't even know the couch. We don't need.

that. We get a we get a used couch off. of Facebook Marketplace. And I think. looking back into like us making those. onetime purchases in the moment, it felt. like we had the finances for it. But. obviously looking back on it now, seeing. how much debt that we're in, it's a huge. mistake, right? Like we're in all of. this debt because we were stupid when we. had the money. But I think now we can. use that as a learning experience and to. not do those stupid mistakes going. forward. Okay, let's play let's play a little. game I like to.

call a special little game. It's a good name. Again, just self. assessing where you guys are at. Then. we're going to jump into numbers, which. is what you really really want. You guys. like got to get into the. numbers. Okay, I want you guys to point. to the person you think is the cause of. this. Okay. I'm going to ask you a. question. You're going to point to it. can be pointing to yourself. You can be. pointing to each other at the same time. Okay. Okay. So, at the moment, the. moment after I ask it, make the point. Okay. Who is the most likely to hide.

their. spending? Okay. It's interesting. We'll. get into that. Whose financial spending. is sabotaging the. relationship? Who is currently more. responsible for the finan for the. relationship's financial stressors? Oh, we both think it's ourselves. And. between the two of you, who needs. financial audit the. most? We both think it's yourselves. So. why are you both Cuz you both just.

thought you were for the last two. So I. think the second to last question why. she thinks like the financial situation. sabotages her is because I think she. feels like she's a burden on the. relationship because she's not able to. make an income. Not only that, I do not like to cook. So, I like to get some take out lot. Why. do you think he said himself? I don't know. Oh, come on. He's youring. husband. I hope you know something about. him. Why does he think it's him? Yeah, I. don't think he spends more than I do.

So, why do you think he thinks it's him? Um, I don't know. I really That's not. good. That is That is not good that you. can't even like get in the brain of your. man. Oh, boy. Okay. And when it was most likely to hide. their spending, you both pointed to her. What the are you hiding? I'm not hiding. anything, but um I like to buy skins in. video games and not tell him. Okay. Yeah. Marvel Rivals. She loves it. But.

if someone were to hide it, it would be. her with like video game stuff. And. who's financial spending and sabotageing. relationship? You both pointed to you. Yeah. Why? So I think I mean a lot of. the burden all the burden for financial. stuff falls to me when it comes with. like making money and stuff. But this is. spending financial spending is have the. one-off purchases that'll never happen. again in our entire lives. So with the. spending and stuff um a lot of the stuff. that we spend like I don't necessarily. have to like approve it but we both talk.

about it and it's like I don't agree on. it. It won't be spent. So like if she. wants to go and spend a bunch of money. at all. Is that why you guys pointed to. her for the secret of spending? I don't. think Do you feel like you do secretive. spending because he won't give. permission if you ask? Uh, it's not that. he won't give permission, but I know. what I'm going to spend on is dumb and I. just don't want to tell him that I'm. spending my money on dumb stuff. And you. know, he won't agree with it. Yeah. It's. not that I won't approve it because like. Well, how do you deal with that? How do. you deal with her just go spending.

without the communication? I think we. have like a boundary. Um, like she's not. going to go nuts with like Well, what do. we qualify? Like maybe once a month she. buys like a $20 skin for That's not. crazy. But is that all we're talking. that's happening? Yeah. Like she doesn't. ever find You don't do more than that. No. One time um. it was with Lose one of your friends. Um. Okay. I'm going to go 3 2 1 go. On go. I. want you guys to give me your household.

financial score of where you think you. are. 0 to 10. Zero being the worst. 10. being the best. 3 2 1 5 8. Um, do you want to translate? For me or. for her? Well, she thinks it's an eight. Do I feel like you should deal with. that? I think it's good. I think she. thinks because But you have $70,000 in. debt. Because we have a roof over our. heads. We have cars. Like our You know, all that can be taken away. You bragged.

about the roof over your head a second. ago when I said, "Okay, he's not making. enough to be able to actually do that.". You. know, you know that is not a permanent. thing. Roofs can be taken away cuz you. do not own your roof. But those like. mandatory expenses that we have, um, so. like health insurance, um, roof over our. head, groceries, that sort of stuff, that is all 100% taken care of. Then why. is last month a,000 hours more than we. brought in? So the mandatory expenses are covered. The extra stuff is the stuff. Are you.

okay with that? A thousand hours more. than is coming in being spent. 800. Yeah. You're okay with that? Yeah, I'm. okay with it. What the did you attach. yourself to, dude? She is. what? It sounds like from from what you. were saying earlier, you want to change. and I vibe with that. I didn't like the. answers you were giving cuz they felt. like copouts. However, I do feel that. you want to change. How are you guys going to stay together. with that mindset? Because that mindset.

is beyond conflicting with what you want. to do. Sometimes it can be a struggle to. do stuff because um she's very like. happy minded and like go-lucky with the. attitude and stuff and I tend to be more. looking on the negative side of the. aspect. Um she's negative. You want to. change, but she's okay with spending a. thousand hours than you guys make. She's. literally okay with that. How can you. guys ever vibe on money ever? Uh, I'm. okay with it, but I also do want to.

change very much. How How do you b How. that doesn't make any sense. How can you. do both? How can you be okay with. spending 30% more than is coming in, but. you want to change? That doesn't make. sense. It It's hard. Um, like I said, she has that happy golucky mindset. So, my impression of it is she thinks. everything is okay, even if we're. spending 30% more because we have food. on the table. we have a place to live. We have cars, um, medical insurance, she. has her doctor's appointments and all.

that. Um, but she also does know like. the position we're in is not okay having. to balance transfer credit cards and all. that sort of stuff. Um, I just think. she's trying to look on the brighter. side of it and say it's okay because we. still have a place to live and we have. food on the table. All right, if you. want your Hammer financial score, want. to see where you stand in the world of. finances, go to caleb.com or click the. link in the description below. And make. sure you take advantage of our budgeting. app so you don't end up like them. And. if you sign up for the annual version, I. will sign our cookbook that you can't.

purchase or get anywhere and I'll mail. it directly to you. So make sure you. download the budgeting app today. Also. in the description, come on the show. Caleb.com/apply here in Austin, Texas. We'd be happy to have you. Okay. Okay. Oh, you've been waiting for it your. entire life. The dude's about toing. come. We're about to talk about. discover. The numbers are bad, but I. like to look at them. He loves to look. at how bad they get. It's his little. kink. Okay. I didn't know they were that. bad. What's his kink? I can tell he's a. freak.

He likes getting pegged, doesn't he? No. What? You got sisters? Is that what you. were just telling me? I'm vanilla. [Laughter]. I don't think you believe me. Okay. $9,336 on this Discovery card. What the. [ __ ] is that? With purchases only the. minimum monthly payment being made and. then interest of. $34.64 being made. How long does this.

take to pay off? You might know. So, how. long does this take to pay off if you. only do the minimum payments without. purchasing, which by the way isn't. capable in your household because you're. okay with spending 30% more than you. make. Go ahead. How long does this take. to pay off only doing minimum payments, no purchases? Uh maybe a year or two. That's interesting. 26 years. Yeah. 26. years. Yeah. Before we go to Zambia. Yeah. Zambia. Oh well. I thought it was like one to. two years. No, it's just 26 years. Yeah. Maybe don't spend 30% more than you. make.

Damn. Cuz that was a balance transfer. from AMX. That's why sometimes it's worth working. on the weekend even when we're. retired. Not that we want to. Not that. we want other people to. I don't want. people to conflate that wrong. But. sometimes, look where it puts us. 26. years. And the longer we put that off by. making the less, making less, and. spending more, the longer that goes. That gets to 30 years before you know. it. That gets to 35 years before you. know it. That gets to your deathbed. before you know it. You guys always ask.

me, Caleb, what do you invest in? And. honestly, I keep it pretty boring. Take. a look at this. Take a look at this. This is my investments right here. And. this is why you got to follow me on. Blossom if you want to see just that. A. couple weeks back, I stumbled upon this. social investing app called Blossom and. thought, "All right, let's give it a. try." And it turns out it's actually. really cool. And to be clear, they're. not a brokerage. Blossom is a completely. free social media platform. They're not. your typical investing app. It's social,

meaning you can follow exactly what I'm. investing in, and you can check out my. portfolio in real time and even discuss. strategies with me and other investors. There's no guessing games, just clear. transparency. So, if you're curious. about how I'm investing or just want to. get smarter with your money, download. Blossom right now. And you can follow me. at Caleb Hammer. I'll be sharing my. exact portfolio breakdown, investing. tips, even responding to your questions. It's totally free, super simple, and way. more fun than just guessing stocks. alone. So, hit that link below, join me.

on Blossom, and let's grow our money. together. Seriously, right now you can. actually see what my portfolio looks. like today. Okay. minimum monthly payment $187, which by. the way, that minimum monthly payment. alone stacked on on what I'm guessing is. even more similar ones for your income. situation is a disgusting minimum. monthly payment. The bright side of that. one is it's still interest free for. what? No interest is being charged. $34.64. That's a balance transfer on her. discover. So, that should still be.

interest free. No, no, no. Hold on one. second. Cuz we No, no, buddy. There. First of all, that is 4%. So, it's not. interest free. you are 4% on. $9,222 but then yes of $232 you are. facing nearly 18%. So no there is still. interest happening 4% is not the end of. the world but it is still brutal. That. is 4% on a large number making your. minimum monthly payment higher on an. income that can barely afford it. And. why are we balance transferring like. that? Interest the interest. Now what.

happens a lot psychologically of course. we know people balance transfer. They. think they've made the progress, so they. don't do anything more. And it is being. suggested in your overall behavior that. that potentially is mentally what you. guys thought because you did not make. more than a minimum monthly payment. So, you guys let your foot off the gas when. you do something like this. Well, for. that card in particular, we've only been. making the minimum monthly payments. because we've been paying off other. cards. We'll see. I'll go through the. debt. I That better be the case. And I. hope that's the case. I paid off one.

card and a personal student loan. Yeah. I mean, they're telling me you're about. to buy a newing fan. A fan? Yeah. Yeah. Uh like what kind of fan? Like $20? Cheap room fan. Yeah. Like we want to. get like a nice fan. Um because like so. you can use the balcony cuz our our AC. is so expensive for our electric bill. because our big patio door that we have. is sealed horribly. Um so it constantly. runs. You can kind of fix that handyman. style though. Well, so the building is.

super old, so all of the stuff like the. rubber around the door is all like off. and the building's not going to replace. that unless they have to replace the. whole patio door and they will not. replace the whole patio door. So, we. have for the summer we have big or for. the winter we have big. And this is your. everyday spending card. Historically, the MX Oh, the one that you transferred. into this. Yeah. Why do you have an. everyday spending.

card? A credit card? You guys are not. credit card people. You don't know how. to manage that. To save your life, you. put onetime purchases that'll never. happen again for the rest of your life. over these. cuz no one ever buys more than one. couch. Yeah. Um so like even with the fan like. our electric bill just trying to get. that high. We have big plastic tarps. over our windows right now. I'm okay. with the $20 fan. That's not the big. that's not the big issue for me. It's. just like it's the behavior that got us. here in the first place that we aren't. certainly not fixing because we spent. $800 more than came in last month. Um.

450 of that should have been for her. passport, which is like 450 out of 800. We're talking about half. Come on. What. are we doing? Yeah. Um shouldn't be. going out to eat literally once. If. we're in our negative, if we're in the. red, we're not going out to eat once. I. don't give a And that's a big problem. that we have is like I she sometimes. doesn't want to cook and I am a not a. choice. You don't have a job. I don't. give a that's not like traditional. values or anything. I don't give a you. don't have a job. That's your job cuz. you guys can't afford anything. That's. just math. Yeah. And so to go out to.

like sheets or Dairy Queen or No. Why? Why the is that even a choice? Why is. that a choice? Why do you feel like you. aren't you don't get to participate in. the the the the making progress? Because. I hate cooking. I don't give a He. probably hates working his extra job. Yeah, but I I hate cooking. I don't give. a He probably hates working his extra. job. Can we say something that wasn't. just copy and pasted? Do it. Just do it. Just like you didn't.

want to do the thing that was required. at your last job when it was your job. Uh maybe you just have to do it. Why. don't you meal prep a couple times a. week so you just warm it up so it's not. a fresh cook every single time? Yeah, but we both do not like leftovers. I. don't care what you guys like. Stop. using this word like. I don't give a. [ __ ] Do do you guys realize that your. debt is getting. worse? You can lose your roof over your. head if you can't pay rent. And when. your debt gets worse, your minimum. monthly payments go higher. Which means, oh, at some point we might not be able.

to pay our rent. That roof over here, that precious roof that we really. like. Yeah. So, I don't give a about I. like or don't like. I like the roof over. your head. I like. survival. Can we choose that please? Can. we choose any inkling of responsibility? You guys are in your upper to mid20s. Mid. uppers. You can act like adults. I. promise. I can try, but I don't know if.

I could actually do it. What the [ __ ]. are you doing here, dude? What are you. What was this? A desperate attempt at. marriage? Like, what are we trying to. do? She's okay with spending more money. I'm I'm sorry. I'm being rude, but I. don't give a Like, she's okay with. spending more money. You're not. She. you're you're willing to sacrifice by. going and working your ass off. She's. not willing to literally cook a meal. What are we doing? How do you guys like. vibe and last together? There's. behaviors that have to change on both of. our parts. And those are behaviors that. have to change. I have to work more. She.

has to maybe like step up a little bit. when it comes to household stuff. But. you're at least applying for jobs. She's. not making the steps towards a stepping. up. Yeah. Uh so like these are things. that you know we have to work on in our. relationship and stuff and I think this. is kind be honest with me not not like. don't mince your words just because. she's right here. Do you feel any kind. of resentment here with this very very. much there's no resentment. There's. nothing there is no no part of the fact. that she's not willing to sacrifice but. you're willing to sacrifice everything.

I don't use the word resentment. There. are times that you know I wish she would. cook sometimes but never do I resent her. in any way. Okay. Like I I would if if I. ever felt any sort of resentment towards. her, I don't think I would have ever. married her. I don't know. You guys married after a. year. We did. I think we were both kind. of at that stage in our lives where we. realized, you know, we were perfect for. each other. So that's why we got. married. We vibe very, very well. together. Our finances, you know. How. were we perfect for each other?

Are you sure we weren't perfect for the. situation? No situation. Um I was. looking for girlfriend. She wasn't. looking for anybody. Um, but Well, were. you looking to stay? No. You were going. to go back to Zambia? Zambia? Yeah. Yeah. My plan was to was to go back. home. I got to look up for Zambia. Yeah. She was fully set on going back home and. then um we ended up dating and realized. you we both have the same goals in life. Don't want kids. Um it's a cool flag.

Oh, and all that sort of stuff. So, I. think we kind of just hit off based on. what our future expectations were. You. sure you guys want to live there? Yeah. Where she lives, she lives in the. capital city. So, it's very nice. I get. it. Isn't that that that. that like equator belt? Yeah. The copper. that is just like so hard to develop. because of just so many natural problems. that aren't even people's faults. It's. like the no like no deep water ports, endless diseases, very hard to tame. nature there. This is like is that where.

we if we get to choose to live somewhere. is that we're choosing it's not an. African thing okay south and north but. that middle part that's just rough. that's rough thing about it is where big. reason why we're not going over now is. because they have load shedding so they. shut off your electricity for part of. the day like every day that's where I. want to live and their internet is. absolutely atrocious and I know you're. addicted to that so that's like yeah but. the quality of life there is so much. better than here and cheaper like once. you buy a house in which way Well, if if.

you buy a house over there, it's yours. forever. There's no property tax. If you. don't pay your utilities, it doesn't. matter. That house is yours until you. die. There's no utilities to pay for. Sometimes they turn them off. Oh, well, you still pay for them. I mean, you. still pay for them. Yeah. But they turn. them off. But it's much cheaper. I love. paying for things I don't get. But. everything over there is much cheap. It's much cheaper. And it's for a. reason. It's cuz you also don't like. make any. Yeah. And they don't have. credit like a credit system over there. So, there's no like mortgages or credit. cards. It's if you want a car or a. house, you pay How much is a house? Um, you can get house like US dollars.

anywhere between like 20 for something. like kind of this is why you don't need. a loan for it or they have houses that. go up to like 3 400,000 US that are like. giant mansions. I'm not sure you can. find a loan for it. Yeah, probably. But. I don't really know the market. We I. don't think we have loans for homes. There no loans loans for You're. literally saying no one could find a. loan for a home in Zambia. Well, last. time I was there there was nothing like. that. Yeah. could be new. It's been a. couple years. But like cars over there,

like you buy your car, full cash, no. interest payments. How much is a car? Uh. about maybe 5K. Okay. See, this makes it. like we're going and get a new car here. We're talking 4050. It's like it's a. different situation. And yes, you can. borrow to buy a home in Zambia. Several. financial institutions offer various. mortgage products tailored to different. needs, including purchasing, building, or renovating a home. Zambia National. Building Society Zambian Home Loans. Zambian uh Static Bank Zambia Asaba Bank.

Zambia Zambia National Commercial Bank. Yeah, but I get what you're saying. Yeah, I get what you're saying. I get. what you're saying. There's a reason. When people brag about why something is. so cheap, there's a reason. Yeah. And. you also It's the cost of living. When. you when when everything's very. expensive in the Bay Area, you also make. a significantly more. Yeah. Do it if you guys want to. I'm certainly. not against it. Yeah,

I obviously have to repay stuff off cuz. making a Zambian salary over there is. not going to pay like student loans and. everything over here. And we have. $70,000 to pay off, but no behavior will. change. But a lot of the compromise that. we would get from living over there, I'd. be perfectly happy. I bet you there will. be some once in a-lifetime purchases. once you move there. Blue Cash Every Day. What's going on. with this card? So, that's our everyday. spender. I opened that maybe three years. ago and then put her on as an authorized. user after we got married. Um, so that's.

kind of what we spend up until a month. ago when we got a Sam's Club card. Um, spent groceries on, gas on. You paid. last month's. off, 179. Is this always paid off? Um, not always, but the balance on that one. I usually put well over the minimum on. that. I usually put 400 a month towards. that. Well, that wouldn't pay it off. We're at. $1,79.99. Let's just put the minimum. monthly payment for budgeting purposes. $40. Okay. Four years just to pay that. off. By the way, if you only do.

minimums, Wendy's. Spotify. Aren't you going to miss. Wendy's? I will miss Wendy's. That's. where our first Wingstop. Aren't you. going to miss Wingstop? No. Raising Can. Aren't you going to miss Raising Can I? Sheets. Sheets. Hulu, Dairy. Queen. It's like we just can't be do. like when we're literally under on a. monthly basis or even even if we're. breaking even but this month we have a. big passport thing, right? Then you have. to cut on the stuff. That is just what.

an adult does. That is what someone who. is sacrificing to. And guess what? Your. sacrificing of having to work more is. now because you refused to sacrifice and. cut your spending before and you've. gotten yourself in debt where your. minimum monthly payments are higher. you. are now forcing yourself. Like you could. have maybe worked an extra, you know, five, 10 hours a week to break even. before, but then you chose to spend way. more than you made. So now you're. forcing yourself to work an extra 20, 30. hours a week. And that is no longer a. sympathy. Oh, I'm sorry you have to do. that cuz you chose to do that now. You.

chose to make the spending that has. boosted these minimum monthly payments. to where you no longer have a. choice. Are there any big expenses. coming up to like that passport? So, um, she just had in the past 2 weeks four. fillings. Um, we do have dental. insurance. Good, but usually that isn't. it's not great. It it only covers. 50%ish, I think. So, for her four. fillings out of pocket, that was about. $400. Um, and then she has two of her.

wisdom teeth coming out at the end of. next month. How much is that going to. cost? So, they gave us the bill before. insurance because they don't know what. insurance is going to cover. It's 1,400. before insurance. So, usually they said. insurance covers maybe a little over. half, 65%ish. So, maybe around five to. 700 depending on what they cover. Um, and then she's had dental work. 14ish fillings over the past year and a. half. Oh my. Yeah. And, uh, that was.

crazy. That was before we had insurance. Um, so that was all out of pocket, which. was probably cost four grand total. And. that was Care Credit credit card. That. was all interest free for 12 months. that we paid off. Um, so that's all paid. off, but it it was still $4,000 for all. of her dental work cuz they don't how we. do in America, go to the dentist every 6. months. They don't. They go when their. teeth hurt. So her teeth never hurt. Zambians back home.

Zambians. Yeah. Plus, I also don't don't. like going to Lent at all. Well, no one. likes to. Yeah. But hopefully after. these teeth are done, I mean, half of. her teeth are filled, so she should not. wait. Okay. Okay. I'm Teeth are not one. time purchases. I don't know if you know. this, but they also exist for the rest. of her life until you pull them out. So, no, that's not how that's going to work. More work will be done in the future if. you both want to keep all your teeth. I. think big reason why she got a lot of. the dental work done at the beginning.

was because she never really saw a. dentist over in Zambia because her teeth. never hurt. When we started going every. six months here, they went, "Oh my god, like you have so many cavities." I'm. sure you had a lot more sugar when you. came here. Yeah. Just just Yeah. It just. Yeah. comes in our diet. Yeah. So. hopefully now with her seeing the. dentist every 6 months and she's taking. care of her teeth much much better. That. maybe only one filling every now and. then rather than 8 n 10. So hopefully. much much cheaper. Over the past year.

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on birthdays. You got him aing massive. oculus black limited edition uh Steelers. tickets/coins getting couples massages. This is like you guys are spending so. much money when one is not working and. the other one makes. peanuts. You guys are living a lifestyle. that you're not even close to and it is. putting you in such a bad. place and still I I really like I really.

don't care like live wherever. I I'm you. know I'm cheeky, I make jokes, whatever. It doesn't matter. Um but it's like you. guys are living the bougie lifestyle. like how's that going to translate to. over there? It's like like I'm very. curious to see the kind of lifestyle you. guys live over there. But either way, you're never paying off the debt and. saving up the money that you want to. live to make it over there. If you got a. million bucks saved up, the compound. interest and all that good stuff by the. time Yeah, you could live like kings, right? But it's like you're never going.

to get there if you're living $120,000. lifestyle like you guys refuse not to do. essentially off of 20 $30,000 a year. income. So, I don't know how we're ever going to. get to that Zambian point. So, the like. bougie and Zambian even making $20,000. here is rich for I I get that. But it's. the lifestyle. Like, do you have access. to all that stuff over there that you. like to do in either way? Okay, great. So, and that's if a coup doesn't happen. That's true.

Uh, I'm just saying if you're living the. $120,000 a year lifestyle now while. making 30, how are you ever going to pay. off this debt and save up the amount of. money that you want to have to live over. there so you don't have to make that, you know, median salary or whatever. Now, I I looked up their GDP per capita, not even the median salary, but let's. say you make $1,000 a month. You know, you want to save up more money to live. that higher lifestyle there. How do you. get there if you're living off 120 now? Yeah. So, I like I think this shows kind. of the big kick that both of us need um.

to like essentially change everything. that we're doing with how we're spending. money. Like obviously I'm going to need. to work more whenever she gets to work. like overtime if they allow it. Um so. like I think this is the big kick in the. ass. We need to get that debt away and. then we can save up for a couple of. years and then we could be perfectly. fine living over there. Um it's not a. guarantee that we go over there in like. 5 years or 10 years or 20 years or. whatever. Um, we'll just get to it. whenever that comes around. But we do. need to pay off this debt first. Like. that is number one priority to us. With.

a master's degree with a lot of. experience in Zambia, you can make about. $3,000 as a math teacher. But if you go. private, you can get $5,000 a year. Okay, that's good. US or quatcha? Hm. US money or quatcha? That's our. currency. Okay, that's good. For for. quatta, you can go up to 106 820. quattas. Cuz what did you make over. there when you were working logistics? Yeah, it was like 800 US a month. Yeah.

And that was like good salary for them. Yay. Let's do that again. Okay. City Double Cash. And I love this. card. I use this card, but you guys are. not credit card people. And the last. one. Yeah, you're right. You paid off. the last balance, but you did have. interest acrewing this year showing that. you do not always pay off the balance. Meaning you're not credit card people. Don't use credit cards. It doesn't make. sense. takes 11 years to pay off this. card. You're only making minimum. payment. Looks like it's at a 0% uh. period right now, but.

$3,92.50 is your minimum. Oh, is your. balance with a minimum payment of $41. 11 years to pay off, but interest kicks. in in a year. No, less than a year. It's. like nine months. Yeah. Yeah. That one I. think we transferred over in December. That was from the M transfer. So, it's. transfers to transfer. for our transfers. to transfer. Yeah. It's like again, if. we're transferring to transfer, you. never get out of debt and never save up. the the stockpile, the arsenal that you. need to get over there. My thought.

process for transferring balance. transferring these was if we kept that. whole balance on the MX card being that. that's at like a 27% interest rate. Um, we wouldn't be able to make those. minimums. I get that, but again, you're. only making the minimums and you're. never going to be able to go find Coney. Okay. Yeah. It's. Yeah. My thought process was do that. make the minimums until she can. hopefully get her work permit and then. we can try and hammer down on those. since I would like to pay the credit. cards off first before like student. loans or anything because they're the.

highest interest rate. Um and then we. can But you just defer to defer to defer. to kick the can down the road. Yeah, I. really get that. And I haven't seen a. card that we're making that like, okay, this is where we're putting all our. energy cuz even still on that one card. where you paid off the balance, but you. don't always and you're certainly not. this next. month, you're still spending on it, which is not our hyperfocus, you know. Do you think it would have been a better. use to keep all of those balances on one. card or do you think it's about that?

It's about what you do after what you. did. Yeah. It's not You're not doing the. hyperfocus. You're doing the foot off. the gas that a lot of people fear like. Dave Ramsey is super against credit card. transfers and is against cons. consolidation. I'm not. Yeah. But with. stipulation not to do what you're doing, which is where you don't bring that. intensity to it. When you see interest. going away and being hit from it, you. bring that intensity and that's why. people like Dave are against it. Yeah. So, it's just it's the what you do after.

and what you're doing after. I think it was my thought process at the. time was to have that be on like no. interest or that 4% interest on that. discover one just to give us a little. bit of more leeway to try and pay some. stuff off but we don't have the money to. pay the stuff off. That's the struggle. because you still spend money. Yeah, we. saw the spending and apparently you. collect sports cards so there's even. more spending. Don't spend money on them. though. I got like find them under a. dumpster. I had a bunch of old sports. cards from when I was I'm literally.

being told you've spent thousands and. thousands on them. So, I don't know what. you're I got cards graded that I want to. sell. And you have not spent thousands. on them. Thousands? No, I spent to get. them. You know, the only way they get. that information is if you tell them. that information. Thousands? No, I've. spent to get them graded. It was like. Oh, sorry. Never mind. I just read it. wrong. They said you have thousands and. thousands. Yeah, I have cards worth. What's it worth? What's your card. collection worth? the So, the ones that. I have graded, I have a bunch of like. pulse skins, PSA 10. How much? Um, if I.

if I sold them all right now on eBay, um, I'd probably make. 1,500 to 2,000. So, why not for the sake. of our family do that? That's what I've. been thinking about doing, but at the. same time, I'm like, the one rookie who. plays for the Pirates, the local team, he's the best pitcher in the MLB. So, it's like, do I sell that now or do I. hold on to it because let's just get out. of debt to meet our future goals that we. want to do. Yeah. Or what's what's more. important? A card, a potential day trade.

of it or our family? I'm choosing our. family. I'm choosing the household. That's what I'm choosing personally. Yeah. That was Oh, and you collect, too. What the do you collect? Manga. Manga. What the is a manga? Isn't. that anime something, right? Yeah, it's. uh Japanese comic books. Okay. How much? Uh about $20 each, I. think. And I have about Oh, 30. Some of. them are 30 cuz some of them are light. How much? Uh total. Yeah. How many? Uh I.

have maybe 15 of them. Okay. It's not. the worst, but it's it's priorities of. where we're going, man. It's priorities. of where we're going. Yeah. I mean, we're going to be kicking. into that 22.24% 2 4% interest rate. Like that is not the life we want to. live in 9 months. No. And what is. required to pay this off in 9 months is. certainly not what you're doing. You're. only making the minimum monthly. payments. So with that balance what was. at $3,92? Yeah. 9 months you got to do.

$34355 a. month. Sam's Club. Okay, we keep going. Luckily, this one's relatively small. It. looks like you might pay this one off. every month. So, I'm not going to write. it down as a debt. But right now, it's. at 16769. Mhm. Because you purchase 197769. Yeah, that one's for the Sam's Club. groceries and gas that we just get. there. And I do pay that one off every. month. We just opened it maybe 2 3.

months ago. Why are you opening new. cards if you can't manage your other. cards? I'm glad you've done this well. for a few months, but your other cards. are showing that you cannot do them. well. In fact, you're balance. transferring to get out. Yeah. To get. out of the world of interest. What is. suggesting that you are safe enough with. credit cards to be able to make it? I. figured with that one, we only spend. that at Sam's Club. That's not a spender. that we use, which I hope for now. For. now, it's 3 months. Look what you've. done with your history. It's the history. thing. I know that if I have uh thin. little Debbies in my house that.

historically I eat them. Oh, I did well. for a month. I I'm okay to have them in. the house now. Uh-uh. I probably fall. back into it. are just human instincts. and you guys are clearly not good with. budgeting or spending or managing or. credit cards whatever it is that we are. discovering along the. way. You might do well for a couple. months. This is a dangerous weapon. weapon with that card. That card never. stays in my wallet. It always stays at. home unless we are going to Sam's Club.

Okay, for. now I I I agree with you and I believe. you. It is based on your history that. this is a ticking time bomb and that's. what I'm trying to not do with this one. is do any of that stuff because I know. it's a ticking time bomb and so that's. why I leave it at home and I never want. to spend any money on it other than just. for our grocery. Is this the second. Discover it? Yeah, that's my uh personal. Discover. Oh, for [ __ ] sake. Okay. Also paid off every month. Yeah. Yeah, that one that's the one that we really. hammered down on over the past maybe.

year, year and a half. Um, I had a. balance on that one of maybe like 4,000. that we just paid off. But even the. spending on this is I mean it'sing Open. AI and Microsoft Ultimate. It's like we. can kind of cut that. Yeah, Microsoft. Ultimate is my game pass for my Xbox. The chat GBT is what I help uh helps me. make lesson plans for school and for my. homework and stuff. Future is your. children's education, ladies and. gentlemen. It's I'm just.

saying let's we the more and more and. more we can cut out the better cuz you. are not making enough to survive. Mhm. You're a substitute teacher. Come on. Yeah. Come on. Let's be honest. Yeah. Yes. It's stepping stone. Hopefully that. stepping stone is done by the end of. this year, which I'm down for. It's just. like I don't think you need this right. now. Yeah. I I I can agree to that. Honestly, I'm going to go Dave Ramsey. about it. Let me get the hands in the. armpits. You know, you shouldn't even.

have enough time to be playing your Xbox. with how much you're working to get out. of debt. Okay? And honestly, there's a. part of that that is true with you in. this situation. It's a it's a. situational thing. Do I want you to do. that forever? No. No one would suggest. People think I'm mean. Oh, work. Can't. spend money. Okay? They're little. [ __ ] The fact is, I want you to. actually live a better life. And. sometimes you got to make a little bit. of a sacrifice in order to do that. Just. sacrifice. Okay. Temporarily so we can.

get to the goal. You guys have a 20-year. goal. Mhm. That's awesome. A lot of. people don't have a 20-year goal on this. show. So, let's take that and do what is. necessary to get there. And right now, it is kind of something hardcore that is. working our ass off and it's cutting the. unnecessaries. Even though you pay it off every month, it is still money that you have to put. towards the card that could be going. towards the rest of your debt. A farm. Oh, that's dangerous. Especially. for you. Yeah.

Yeah, that's uh our mattress. What the. are we even buying? Mattress and that. was her. You could have cheapified the. mattress and the phone. You did not need. an iPhone. It sucks. It's horrible. Yeah, my old phone was also not worth. I don't know, dude. Just get an SE. It's. cheaper. Okay. Affirm me. Are any of. them interest? No. No interest. Thank. What's your minimum monthly on all this? Uh the $4142. Yeah, 4142 for the phone and the. mattress is about $6970.

Okay. So, we're looking at. $1112 on a monthly basis. And we owe. $1,67346. Yeah. Nectar. I got nectar. Nectar is a good bet. You did not need. that. When we're dying, when one's. unemployed, and the other one's making. pennies, we don't get the nice mattress. And I love my nectar. Okay. You don't. need it. We don't need a brand new. iPhone. Well, these are priorities in life.

Well, what? We kind of did need the bed. cuz the bed that we had was like two. twin beds. You did not need a bed. That. is you do not need a bed that is. literally more in value than the GDP per. capita of your. homeland. That is not what we need to do. to survive. When I moved down here, I. slept on an air mattress. Survived for 6. months while paying off debt. Then when. I did upgrade, I got a $300 mattress. There are so many options between. sleeping on the floor and getting a near.

$2,000 mattress. There are options. And. this is what we do when we want to live. a better life. This is what we do when. we don't make much money. I'm sorry. You. don't get to live the life of the rich. and famous when you don't make the. literal median household income of the. United States, which is close to like. 65,000. You make less than half of that. So, I don't give a You're not getting a. nice.

mattress. Also, less than half. We do. make more than less than half. I make. about 45 a year. 45 a year. Substitute. teaching brings in about 35 plus I make. close to 10 with CVS. You're you're. extra. Okay. Yeah. It's that extra that. keeps cuz it's still not wonderful but. cuz I don't think you're making 35 with. your substitute teacher with your with. what you make working fulltime net. Well, I'm thinking net, right? I'm. thinking net is like that's if with no. time off is 33 and I you have a lot of. time off. I'm guessing you're closer to. like 22. Uh, I've only taken off no.

three days. The months for the teaching. income. Uh, yeah. The summer break, the. winter break, the spring break. Look, you work six days this month. But 175. times, we have 180 days of school and. I've only missed this is my fourth day. of school that I've missed this week. So, I've been there 88 180* 175. 175, but that's not 175. No, that's probably. times 88. You said 180. 180 years, sir. 180 days. Yeah, it's probably closer. Like I said, 25. I said 22. 25. Okay.

Yeah, cuz they take out a decent chunk. for So, it's probably even less. It. probably is closer to 25. It's called. pasers. They take it out. It's the. Pennsylvania State Education Retirement. Service. There it is. Yeah. At some. point, you'll get it. Hopefully, it's. being invested. Well, they don't uh they. m I think they take four and then I put. in an additional three or four. So, is. it a pension or do you get to control. what it's going in? Uh I the one that. I'm in now is a pension cuz they have a. bunch of different categories of it, but. you can't get in those other categories. Pensions in the United States sucks. They invest like [ __ ] Yeah. Like the.

Canadian teacher, the the Ontario. teacher fund. Woo. They own like 5% of. the world. So like uh like the peasers. thing that they call peasers, but like I. put 4% in. I think they take 4% out. So. it's like a decent chunk of my check. that comes out. But it just usually. doesn't return what you'd want to see. Yeah. Your own investments. That first. 4% is mandatory. Like they take it out. for anybody. Um, and that second 4% is. like voluntary, but they kind of default.

that as so I can take that out. Um, but. you can only do that once a year. So I. can't get into like the actual teacher. pension, like the good stuff until I'm. salaried. Well, you'll get there. Yeah, that's not my biggest concern. My. concern is I see this [ __ ] bull. No statements for these, but these are. numbers. Okay. I see car lease one 789. Is that what's left? Uh, yes. That's. what's left. That is my car. I have two. months left. Uh what are you going to do. in two months? What's what's what's the. buyout? 135.

Just 1,300 13,500. But the car is worth. about 17 to 175. But we also don't need two cars right. now. So my what are you going to do? My. thought process and I have to talk to my. brother-in-law cuz he sells the cars. So. he know he knows more about this than I. do. He's But he's not the guy who We. bought the cars off of him, but he. doesn't work there anymore, but he has. friends that work there. Um, since my.

car value is more than my residual, buy. out the car and immediately sell it. Make two, three grand off of it, whoever. wants to buy it. I know. I I would talk. to him. I would talk to him. I'd really. try to get him to assess it. I really. try to get him to assess it. I'm down. I. am down for it if it actually works. And. I want you to be very careful about it. Yeah. I have over three years I only. have 14,000 just use the one car. Yeah, cuz she's not working. Okay. So, I'm. going to cross that off for now. Uh that. minimum payment will be gone in a couple.

months. What is the minimum for now? Uh. on that one, it's 260. The next two. months. Uh 263. Okay. For probably Okay. The next few months. Okay. Carly Ste. This one's bigger. We have a remaining. 5,760. Not ter terrified about the. balance. That's not But um Okay. But. what's the minimum monthly? And for how. much longer? Uh 319 and some change and. it's for another 18 months. See 31950. we'll call it. How many more? 18. We're. like halfway through these. How are we. doing with mileages and everything on. these? Super low. Mine which is why we.

only need one car. Yeah. Mine that's. about to be up in 2 months. I have just. over 14,000 miles on it. So I'm under. half of what they expected. Um so that's. why mine's worth a little bit more. And. on hers, she's at about 115, which is. under what she should be for this time. in the lease. So, well, that part's. good. And you haven't fooked anything up. on them. Good. So, let's use this one. car. But when we're using one car, our. mileage will be a little higher, but not. terrified with what you guys do. Yeah, cuz I mean my a home and then you goon.

permanently for the evening and then. I go, you don't know what you do. She. games. Marvel Rivals, right? Yep. Got to. buy the skins. Okay, so 319 a month on. that forever. Now, this one's. disgusting. Student loans. I see a. couple different things. I saw a. different number in in here than here. How much in student loans do we have for. her name? She has about 20. Why the Oh, cuz you went to school here. Yeah. Why.

did you go to school here? Um because my. sisters were here and they said it's. amazing, so I came. Yeah, it's fun. She. was going to take an American degree and. go back home and degree is worth much. more over there. Yeah, but how much more. do you get. uh to put in 40,000? What do you get? How long does it take back to earn that. extra 40 versus not having an American. degree and having a Zambian degree? A. long time. Exactly. Yeah, that is a. truth answer. I like that. Okay, so how.

much for her? Uh about 21. She has a. loan for 16 and a loan for about five. What's the minimum? um 129 and some change and then about 60. or 70 on the other one. We pay I think. it's about 190 total. Yeah. And then you. what's going on? Um Joe, uh so my mom. has loans that she took out like parent. plus that are in her name. Okay. But. that's not in yours. So I'm not too. terribly worried about them. I get you. probably want to pay back and I'm down.

for it. Uh but let's worried about like. what's in your name. Uh, so just in my. name, I just paid off a Discover one. that was 5,000. Uh, student loan or. private student loan? Discover. I had to. get one for my last semester of my. bachelor's degree because So, are the. rest federal now? Yes. Everything else? What? How much? Um, I want to say maybe. around 35 to 40 just in my name. And. there's about 40 in my mom's name. Okay. How much for your 40 is your minimum. monthly? Zero right now cuz I'm in. school, right? Yep. And that's okay.

That's okay. That's good. That's good. And so I'm in school. I'm taking one. class in the fall that goes along with. my student teaching. Student teaching. should end in about You have to borrow. more. I have. So they gave me that money. already. It's sitting in my account. So. I'll use that account to pay. So if I. see that, it's not going to count. Yeah. So where is that in here and how much? Where's the cash? That money? Yeah, that. money is in my personal savings account. Okay. So we'll see with that. So this is.

Is that it for debt? I think that's it. for debt. Is that it for debt? Yes. Yeah. Okay. Citizens. Okay. So, in. here I. see 6,243. What is this? What What's up. with this account? What's going on? Um, so that account, that's the one that has. the most in it, right? That will be our. joint account. So, that's what we use. pay our rent, pay our And none of this. is for the the school. No. Okay, it's a.

good balance. Why isn't any of that. going towards debt? So, I'm worried with. over the summer if one of these jobs. don't hire me that I kind of need that. as a backup fund just to pay those. bills. That's true. Yeah. So, I don't. want to spend all that money and then we. end up having no money and then no place. to live. 1,690 in this one. It's just. money back and forth between things. Yeah. So, that is my personal account. I. get paid into that. my paychecks come. and then I just transfer them on our. bank's app to the joint account. Then.

1,988 in this. What's this? That is the. student loan money. That's it. That's. all it's going to take to make it one. class. Okay. And that's what I want to. talk about too with that uh student loan. thing at the end. Student teaching. Sometimes paid, sometimes unpaid. Don't. know yet. Okay. Well, hopefully is. you're going to be working your off. outside of school hours. PA started a. $10,000 grant last year that I applied. for within like the 10 minutes they. opened this year. Um they're waiting for. more people to sign up and if I get. picked it's $10,000 over 3 months and if.

I don't get picked I have to work for 40. hours a week for free. Yep. And then. you're going to work 40 hours a week. outside of work making money so you can. survive. But luckily I signed up enough. for it to Yes. He's going through. probably without a break because he's a. big boy who's going to do a little bit. of a sacrifice and maybe you should. too. We have a very heavy work culture. here. Yeah. Yeah, I've noticed. But it's. for a good reason because if you want to. spend like crazy, you have to earn. You. don't just get to live the high life and.

not provide anything. $2,784 in what assets? My Bitcoin and. Ethereum. I mean, listen, I am that's. okay. And then that's what we're having. in Robin Hood as well. 2,500. Here's the. thing. I am not against crypto. I have. crypto for like 1% 2% of my portfolio. Uh the thing is just sell it for now. Just sell it for now and pay off the. interest debt. Lower the risk over your. head because you're headed into a summer. with I don't know the pay. We just.

discussed that. I'm going to go into. student teaching for a semester, right? Is it a semester or a quarter? Yeah. Uh, I don't know the pay. So, lower the risk. of the debt over the head. Let's. minimize our minimum to payments that we. are required to have when we don't know. what the pay that we're about to have. is. Okay. It's not about the crypto. It's about sell it. It looks like it's. lost some value anyway. So, there's no. capital gains taxes that you're going to. have to pay. Boom. Pay off some of the. debt. What do we have in crypto total? Um, so between those two, I want to say.

maybe four. There you go. Pay off city. double cash. Yeah, cuz double cash and. most of a firm. There you go. Is it. taking care of interest? No, but it's. taking care of minimum payments. It has. taken care of about. $151 of minimum monthly payments that. you no longer have to take care of. Yeah, I bought into those right during. COVID when like I had no expenses cuz I. was still living with my parents, which. is great. And I honestly I I don't need. the long-winded version. just sell it. and get just there's no point of having.

minimum payments over our head when. we're going into an income situation. that we don't fully know. Okay. Right. So you think it's worth. paying the city one off even though. that's no interest over the discover. with the where you know need to get I'm. trying to get rid of minimum payments. for you right now. Little less about the. interest but the minimum payments when. you don't know where your income is. going to be coming if any. Okay. Soon. because minimum payments get scary. Interest makes the balance go up. Minimum payments are required. Mhm. So. total income right now, well with both. your jobs combined, what are we looking.

at net on a monthly basis? Um again, if. full 10 week or 10 day weeks, um it'd be. 2,800 for the school and then 10 at 19. would be an extra 380 before tax. Okay, we'll call an extra 250. So three. 10 * 9 3. So it' be 720 per month, 380. per paycheck. Oh. Oh. Oh, okay. 720. So, we'll call in an extra 600. Yeah.

3,400 on a monthly basis. Debt minimum. payments. Let's get that. Not including Louis that's about to be. paid off cuz Yeah, no need. Either way, that's being gone. Whether I buy it out. and sell it or just return it, which I. definitely. Yeah. This is what you guys have done. with your choices for the critical. one-off. purchases. $888.62. What's your rent? Thousand.

even. Okay. Utilities, including. internet, preferably. Um, internet's 50. a month. Electricity varies. Um in the. winter time usually average give average. gas and electric. Um we don't pay gas, just electric. Electric. Give average. Um for the full year maybe. about 120. Okay. Cuz summertimes vroom v. room drive gas. Um I fill up once a. month. So 40 a month for me. And then. she usually fills up once to twice a. month. Yeah. Twice a month cuz her.

sisters live about 45 minutes away. Um. total for both of us. Yeah. About 120 a. month. Uh, is car insurance per car or. per individual in Pennsylvania? Um, per. car. Okay. So, what's the car insurance. on that car? Cuz that's going to be the. only car. Yeah. So, right now combined. they're 212. If we get rid of her one. car, it's going to be a little more than. half that cuz they give us a discount. for having two. Um, so maybe about 110. 120 for the one car. I'm going to call. it 120. Phone bill. Um, we have mint so. we each pay $180 every what? Three.

months. A mint. Do you pay for 6 months? Oh. Oh, every six months. Sorry. Cuz. they don't do a per month. You have to. buy. We'll call it 30. Yeah. Okay. TP fund. Going to call it 150. bucks. Anything else you need to survive. in life? It's makeup, blah, blah, blah. Groceries $600. That gets you follow the. meal plan, meal prep. I don't care if I. want to. Medical, healthcare, monthly. basis. Uh, ours is really cheap right. now because we're on one income. It's. about 50 for health insurance and about.

30. Does that take before pay though or. after? I we go through like the state. it's through Penny afterwards. So, okay, go ahead. Continue. How much? So, through Penny, it's about 55 for. healthcare for both of us. Um and then. our dental and vision is through someone. else it's about 35. Now, what about. co-pays on a monthly basis? Typically, um she no prescriptions or anything. She. will do therapy twice a month. Co-pays. are 35, so 70. Um and then if she goes. to the doctors or whatever, that's. another 35. But that's usually once.

every two to three months. Two to three. months. Wow. Okay. Put an extra 20. Okay. So, I'll call it 180. Okay. Do you have any pets? No. Good. Anything else that needs to be in the. budget? Not that I can think of cuz everything. else is kind of expendable. Well, and. this is the stupid stupid stupid part. I. get it with the passport. That is, you. know, a interesting thing. But you guys.

make enough money to break even if you. actually lived within your means. But. you refuse to because I don't want to. So I don't give a at this point. This is. your choice. You are choosing this. Now. some months are going to be less, but. you need to go get more. You supplement. that income bying driving Uber Eats if. you have to. You will do anything. I. know it's not perfect. You different. type of car insurance requirements. You. will do anything that is necessary. legally to make the money. Okay? You. will be selling buckthole pics on the. internet. That is a joke. I'm in. Um,

that is my retirement plan personally. Uh, okay. But yeah, so you will get this. income no matter what. You will work all. the jobs, all the hours, all the days to. do it, but you have an. extra. $141.38. Will we make substantial. progress on that? No. But we can keep up. and we can start making small. incremental progress towards the debt. You will sell the car and hopefully you.

make some money. If you do, pay off a. car, get rid of minimum monthly. payments. Okay? Boom. There we go. Maybe. you can't do that. We don't know. Figure. that out and be safe about it. Don't get. yourself in a situation where all of a. sudden you lose, you know, it gets dumb. Okay. Uh now big. thing, you're right. All right. I. wouldn't pull from that checking. account, but I would liquidate our. crypto and I would pay off some of these. debts to eliminate the minimum monthly. payments, maybe the affirmed especially. cuz that's a chunky minimum monthly. payment. Mhm. And then I would just.

start grinding on from there. I mean, even with your debt, with your money. that you have towards debt, you can pay. off that that blue cash in like 8. months, you know, even with your current. situation. So, we can start eliminating. some of these minimum payments. I think. you guys can live the dream you want to. within this 20-year thing and you can. save up enough to do it and get out of. debt, but not in your current lifestyle. Your current lifestyle is $120,000 a. year lifestyle making 40, you know. So, we this is behavioral. You need to.

budget. You need to use the budgeting. app. You get the premium version. forever. Take the classes. You know, it. sounds like you know some things, but. you guys need to take it together. You. need to take the budgeting one and the. debt one. Understand the consequences of. the debt. What's good debt? It's bad. debt. Take the budgeting class together. so you guys are united on what is good. and bad. Do this and then the investing. class for what we need to do to save up. for what we want to do in Zambia. You guys can do this. It is literally. just the basics for you guys cuz you. make enough to break even. Not a lot of.

people have that on the show. You guys. are in a blessed position making almost. making very low income and still having. enough to make it. Okay, even after all. the mistakes we've made. So, with this, you just need a budget and grind out the. school thing, get in your career, then. put everything we have towards this. Build up a six-month emergency fund, then we are saving and investing, and. then you can live the life that you want. to live. Absolutely. Now, there's an. absolutely crazy thing that we can't. talk about for privacy reasons, but they.

agreed to talk about in the post show. because it's behind the payw wall and. other people won't see it that they are. trying to hide it from. Uh, spend in. your budget, you overspend 0 out of 10. Debt, no collections. It's not the worst. debt. It's just the income going along. with it. That's not the best. Student. loans are pretty brutal, though. But I'm. going to give you about a 2 out of 10. Emergency fund, we do have a little bit. We're about a four out of 10 there. Retirement pension hasn't been going for. very long, has it? Uh, two years. It'll. be two full years. I'm going to say. about a 2 out of 10 there. Cuz I know. you don't have anything in real estate. Zero out of 10. Can't buy our $20,000.

house. [Music]. yet. Okay. Hey, it's going to be Hammer. Financial Core. Round it up just barely. Two out of 10. Join us in the post show. This is about to get juicy. $16,000. student loans are private. She's not. allowed. I can't get federal loans. Sick. Oh my is an evil. I don't think. Sally May can come for me. Do you have. to keep paying your your student loans? No, I don't think I could. Exclusive.

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