He Needs To Divorce Her | Financial Audit

Yeah, you took out. and hid that from him. That's insane. And you have no reaction cuz you're a. pushover. You don't give a [ __ ] about. anything. I would have told him. eventually. There you go. You hear that? Years. You hid it from him. What are. your thoughts on this guy? I'd like you. to participate at least 5%. It's looking. like we need to do a change up. Hammer Elite is the best YouTube. membership on the platform, and I just. upgraded it. three exclusive dedicated. shows every single day, Monday through. Friday. And for the rest of the month, I.

am paying for you to sign up. Sign up. for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammerite.com. After that, I'll send you a $10 digital gift card. that can be spent basically anywhere and. in most countries. This is the best. membership you'll ever join. That's a. promise. Hi, I'm Carrie. I'm 29. And I'm Carson. I'm also 29 and we're from Richmond, Virginia. And this is financial audit. Carson, you sound a little West. Virginia, not going to lie, but I do. appreciate you guys coming down here.

Carrie, you're the one right in front of. me, so let's start with you. Yeah. What. do you do for a living? Um, so right now. I work part-time for a nonprofit. Uh, we're a professional association for. those who are pharmacists or pharmacy. technicians in the state of Virginia. And then I also own my own pet services. business. Okay, good. Please tell me. that brings in money. Yeah. Okay. What. do we make from the part-time job? Um, so it varies. Right now, I'm definitely. working part time. Let's think average. Just average it out. Average it out, I.

would say at least, um, at my lowest, it's 1,300 a paycheck, and I get paid. twice a month. Okay. Well, for I mean, you're making more part-time than a lot. of people make on the show full-time. Yeah, I make $25 an hour. So, 2,600 a. week is your take-home a year? A month? A month? Yes. Okay. Very cool. Oh, very. cool. And then what do you bring in with. the pet business? That also varies. I. would say uh if I can just give you an. annual number. Sure. So I would say. right under 10 grand,

right? Yeah. Well, anything helps. It. does help. Okay. At least 20% is going. to probably have to go to taxes. I'm. going to say 30%. So you set aside money. for taxes? Yes. Okay. Good. Thank. That's the first time. Is that the first. time anyone's ever answered yes to that? So, an extra $7,000 net, which is an. extra $583. on a monthly basis. Add that to your. what was it? 2,600 that has your account.

on a monthly basis. Yes. 26. Okay. So, we're talking from Carrie $3,183. Are we married by the way? Yes. Yes. Good. Good. Good. Carson, what are you. bringing in? I am What am I bringing in? I'm at I think What do you do? I'm a. master electrician. Very cool. Trades we. like. Trades are good. Trades are good. Um, so I think I'm right around 31 an. hour right now. Very good. What's. hitting your account on a monthly basis?

I I would say probably around 1,900. every 2 weeks. That's after taxes. Why. does she need to answer for you? Cuz. she's the one that does budget. Okay. No more slamming against the. table, lady. You can budget away, but no. more slamming. Okay. Okay. So, 1,900. every two. But you don't know your own. paycheck. That's a little I'm just here. to make money. Sure. But it would be. helpful to know how much you make so you. can negotiate.

Okay. He also does get commission as. well. Okay. So then what's that average. or is that included in the 19 that hits. every two weeks? That's that's included. in the 19. I think I'm I know I'm. ballparking right around about 31 an. hour and it's guaranteed 40 hours a week. and then commission wise I'm probably. sitting I think it's right about 1,900. every 2 weeks. Do we confirm man of the. house? Um I would say he brings in at.

least 4 to $800. commission just commission in addition. to his hourly rate. I Yeah, I would say. yes. So for so if I add 800 to the month. that sounds right. guys this is literally the basic. commission it varies it varies. Yeah, it's it's going to What's the average? What do I add monthly for the. commission? Okay. Um, let's just just go. with,900. Just do just go just go. with,900. Okay. So, you bring in 38. Why.

are you part-time? Um, because they. won't make me full-time, maybe. Why? Um, because they're a nonprofit. So, get a. real job. Yeah. They're very flexible. with their hours and things. Cuz you're. part time. Yeah. So, get a real job. I mean, I'm I'm. looking. I'm I'm I always keep my eyes. open. Well, okay. Well, that's not much. So, you're not putting in effort. You're. just seeing if anything happened. When. was the last time you had a full-time. job? Um,

uh, when I worked, uh, my god, what was. it? Okay, that long. Probably probably. co, honestly. CO. Okay, so you guys are. bringing in 60 or $6,983 on a monthly. basis, which is good now. Great. Now. you're above the median in the US for. sure. Richmond's kind of expensive, isn't it? And $83,796. a year net. You know, maybe a little. more bonuses, maybe a little more hours. Shouldn't be struggling. What are we.

doing? Obviously, we're struggling if. we're on the show. What's going on? Tell. me tell me what's happening in your. life. Um, I would say I'm I'm definitely. the spender or. Carson is the saver. Um, so for. instance, like if there's a concert or. something that I want to go to, um, I. tend to maybe look outside of the state. so we can also travel and outside of the. Okay, so it's just more of an. experience. So I'm definitely more of a.

person who wants to the stereotypical. confused this. Okay, I asked what's. going Okay, so. we're saying there's a disagreement. here. Mhm. on how to run the finances. Is that what I'm picking up? Well, I I. mainly run the finances and then But. you're the spender. I I I've calmed down definitely a lot, but yeah, I'm also a little bit of the. control freak as well. So, I just I like. to know where the money is going. It's.

not that he doesn't know because he does. look at the budget and he sticks to it. for the most part. But, okay. So, what's. the control freak like aspect of this? cuz we usually want to manage finances. together and you know actually figure. out what are our goals together. What. does it take to get there? What do we. have to do? What do we have to cut? What. do we have to save? What do we need to. spend? What can we spend on? If you are. controlling. and the spender at the same time a.

little confusing on that element. I. don't know. What do you think, guy? I'm lost. This video is sponsored by. Aura. I've been telling you guys about. data brokers a lot lately. I wanted to. show you how much information they. actually collect if you subscribe to one. of them. It costs about $20 a month. So, I signed up and bought a report on a. friend. And I have that report right. here. It's about 11 pages long. Are you. ready for this? Has a person's contact. information, address, relatives, neighbors, social media profiles, and.

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to be protected online. So, you can go. to orura.com/hammer to try Aura for free. for 14 days and start scrubbing your. personal info automatically. Seriously, go search yourself before someone else. does. How are you? Oh, I'm I'm. just took a complete blank. Um, is that how a finance conversation. goes with him? Cuz if so, then maybe you. being controlling is actually good. Well, yeah, a little bit. like um I I.

did have a little bit more knowledge. when we initially started dating and. getting together and and things like. that. So, I just kind of been the person. who continues to do it. Why is he not. involved? Why are you not involved? Um. it's more or less a teaching lesson cuz. the the whole getting into debt portion. was on her end. Like I I Okay. I I don't. spend I I like to to hermit. I save. Everything's kind of Sure. Sure. There's.

a good balance between both. But then why why the why are you in. charge? I'm so confused. Why Why is he. not involved in the conversation? He. hermits. No, he's involved in the. conversation. I just I like to do it. It's just something that I've liked to. do. We We started with the Dave Ramsey. program and I just kind of David. himself. David himself. Yes. As we all. know him. Um Yeah. Dave Ramsey is how I. got Looks like someone went to Ramsay.

Oh, I know. I mean, that's why we're. here. We're wondering where did Dave. Ramsey tell you to hide a debt from your. husband of however many years and only. tell him because you guys were coming on. the show. Did Dave Ramsey tell you to do. that? Did Dave Ramsey be like, "Hey, let's commit some financial infidelity. You know me, Dave Ramsey. Women, if you're out there, make sure you're hiding debt from your.

husband. Well, Bible verse, Bible verse, Bible verse. I'm transported. I feel. like I'm on the show. Um, no, he didn't. Um, and what the are you doing? It was. something that I did feel bad about. That's why I did tell him. And I. obviously No, you told him cuz you were. coming on the show. Yes, that was a. It would have been exposed right here, right now. So, you're like, "Oh, whoopsie." No, I I wouldn't do that to.

him. I'm not on camera for the first. time. That would be Exactly. Which is. why you told him before you got here. Yeah. I wanted it not to be as like, "Oh. my god, I've got you on camera. Now act. monkey." Exactly. That's what I'm. saying. So, you hid something from him. and he would not have known if you were. not coming on the show. I would have. told him eventually. I don't think so. I. think the only reason you told him is. because you're coming on the show. Why? Why do I think that? Because you told. him after you decided you were coming on. the show.

So, [ __ ] off. I mean, what? Well, now he. knows. So, listen. Deflect. Yeah. Yeah. Why don't you just. move away from that one real quick? Why? Why take responsibility for our actions, which are pretty quite bad thoughts and. opinions once wifey over here has told. you about uh oh debt? Uh an moment like. we got more problems that we now got to. fork out money to go do. Um really.

pretty much it. It's just a solid. moment. Can't really go past, you know, doing that. Uh-huh. Yeah. Did it hurt your feelings? I. mean, I I don't know. Says, did you not. feel completely betrayed? I'm assuming. you guys don't have a lot of time to to. talk about it cuz it looks like she just. came back from protesting, but. energy. No, we we get we we do talk about some. things. It's been a it's been a problem. before dealing with that, but we're.

getting, you know, trying to get past. that point. But her telling me about. this debt. How long did you hide it from. him? Uh, I believe I opened it in 2023. So, 2 years? You hid it from him? Yes. Why the Would you hide it for 2 years? It's not that I didn't want him to know. That is not it. How about feel bad about. lying about the household finances to. your partner? How long have you guys. been married? Since 2019. Yeah. Yeah. 6.

years into a marriage. Lying. I hit it. for 2 years. Right. Yeah. Are you a pushover? I would say. not. Okay. It depends on what aspect. though. Finances, probably. Why are you. okay with that? How do you trust someone to be in charge. of finances when they go and hide debt. for 2 years and only tell you because. they're coming on a show where it would. be exposed? Because I make enough to cover the. offset. That's not true. That's not even.

true at all. You have no idea what a. highinccome earning household is able to. spend. the debt you can qualify for the. cases I have seen on this show. That is. not true. The more you spend, the worse. it can get. Well, it feels like it is. not true at all. H Well, it feels like it. Feels like. what? Feels like you have enough. So, feelings are a budget. Now, we budget. off of feelings, not numbers. Feelings. and vibes. Sounds good. Yep. $70,000 of. bad debt. $70,000 of bad debt.

That's just a vibe. that doesn't exist. It's a feeling. It's a bad feeling. What really makes it. bad? Huh? What makes it bad? The fact. that none of it is an appreciating. asset. None of it is actually going to. benefit anything. There's not a. mortgage. There's not student loans, which gives you a better degree or a. certification or anything like that. It's all either depreciating asset or. something that's not an asset at all. Yeah, it's bad.

And you guys don't own a home this far. in a mortgage this this far into being. married this far this high income cuz. you guys are kind of in that pedestal. where like yeah not many people can get. into a house right away but you guys are. kind of in that world. Yeah. No, we want. a house. That's that's kind of why we. actually owned one at one point. You. owned a house? Yes. We owned a house. Sold it. Did you sell it for a profit? We did. Yes. And yet we still have. $80,000 of bad debt. 70. Sorry. Yes. So.

what the have you guys done? So we we. bought the house during the whole like. low APR COVID rush. Everybody was bye. bye bye and you you know a house was on. the market and then 2 hours later it's. been sold. So we kind of got rushed into. buying the house and okay I don't how. much profit did you sell it for? Did you. sell you sold it for profit? You said so. I don't care. So exactly 2 years on the. anniversary that we bought the house so. we didn't you know capital gains etc. Um, we sold it and we made a profit of. about 80,000. What the are we doing? We.

didn't get the 80. That was How much did. you walk away with? It was about I think. 50ish 50,000. I'm being told 60 is what. you told the producer by the way. But. either way, 50 60 40. Doesn't matter. Why the you have $70,000 of bad debt. today. So that's um cuz you probably. sold what? 2 years ago? A little probably. Okay. Three years. And then two years ago, we took out a. secret debt that we hide behind a. partner. Right. Okay. So, profit to. secret debt all within a year. Yeah. And.

we used the profit to actually pay off. bad debt that we did have. Oh, good. And. we learned our lesson and not at all. because again, that's the David way, right? It is. It is. Um, not exactly. I mean, we weren't going by. Dave Ramsey at that point. That was just. something that his parents signed us up. for to kind of get us going. And that. was early on when we actually, I think, just gotten married so that we would. have some sort of financial footing. other than just So why the are we in.

$70,000 of bad debt if we wiped out off. all our bad debt just a few years ago? Actually, let's not jump the gun there. How do we go from paying off all our bad. debt, walking away with a profit to. hiding a secret debt a year after that? One year after that. One year. Well, we. did with the money as well, we did buy a. truck, too, so we weren't like 100%. Oh, he looks like a truck guy. So, we can. haul his nice little groceries on a. weekly basis. Okay, great. That's a. great thing to do. Hey guys, we cleaned. up our entire situation, let's go our.

lives with an appreciating asset. Let's. take all this money we made from a house. and instead of putting it in another. appreciating asset, let's put it in. something that only goes down in value. Genius level moves. Okay. True money. moves if I've seen. Yes. Great. So, getting a truck, you take out. a secret debt. I'm a little confused on. that part. No, I mean I was just talking. about what we used the profit for. We. paid we did pay off like all credit card. debt, any other debt we had, and then we. put 15,000 towards the truck. Towards.

Okay. And you took out a secret debt, a year after paying off all the debt. because. it was credit cards. It was a. consolidation loan. So why were we in. credit card debt? that much credit card. debt in one year. You guys make money. You don't even work and you make money. It was about the amount of credit cards. altogether. What? You paid off all the debt a year. before this. What are we talking about?

Why' we get to that place where she goes. and takes out a secret debt? I think it. was like vacations and and um I know I. had taken out a opened a credit card. because of the APR like the 0% APR and. then I just like saying to myself, well, it's 0% is 0%. So that I would put. literally everything on it, like. groceries, all of my bills. But then the. problem is is that I wouldn't pay it off. with the money that I had in my The. whole point of a 0% APR card is we paid. it off before the uh 0% becomes any%. Yeah. Well, you know, why would you not.

turn it into another house? That is. what's [ __ ] with me. Now you guys. just rent. Well, actually, when we when. we sold the house, we had an intention. to pay off the debt, but then also we. moved in. Yeah. We're renting from his. parents actually. Um we we live in like. the in-law suite of the house. They live. in the main house. We live in we're 12. What what are we doing? I mean we're. paying $1,300 a month. It's not like. we're there for free. Yeah. You could.

miss there wouldn't there's not as much. there's not as much pressure. You could. miss rent and they not going to hardcore. kill you. I mean no kid murder me. Yeah. We're kid free. We do have four. Are we. going to have a kid? Yeah, we are looking to have children. Yes. Looking scouting. Yeah. No, we're. looking at having a kid naturally and. then my dream is also to eventually. foster and then adopt. Um thought you. were just against that from what you. just said. Okay, that's interesting. Are. you guys able to have kids? As I guess. Okay.

Sperm count and ability. I mean, I. haven't had tests done. I get some tests. done if you're scouting. No, we've we've. talked about it, but we didn't I we. didn't even want to pursue tests or like. any avenue of having kids until we were. better off financially. So, we haven't. done that. Yeah. So, we're living with. our parents, but we do charge rent. Yes. Uh so, $60,000. We could have done so.

much with it, guys. Okay. So, you immediately went back into. credit card debt. Why? because we had a. 0% card and we refused to pay on it. Now, why did you refuse to pay on it? Um, because I probably used the money in the. bank account for something. You don't. even know. No, I mean it was This is so. long ago. It was 2 years ago. Yeah, it. was 2 years ago is what I would say. That's not long at all. Okay. Well, I. mean, if they were like frivolous. purchases of whatever. You don't know.

You just around. What? I thought you. were the decision maker. The big money. guy. the [ __ ] I budget. I tell him. what we do. I wasn't really budgeting. then. That's That was kind of the. problem. You're budgeting now. I am. Cool. Tell me how much you spent last. month. Last month? Well, I know what. came in. It was 4,891. Substantially. less than your 6,983 you guys averaged, but sure. Uh, what went what went out? Budget Queen. Budget Queen.

The doineering force of the House. I'm I really don't know. I I I would. interesting element of budgeting, not. knowing our numbers. Well, it Yeah, it. depends on the month. Well, that it. depends on the month and and what we. decide. Some some months we budget, some. months we don't. I do budget. I just. mean people's birthdays, anniversaries, things happen. So, counting the budgets. No, they do. Then you would know you're. spending. Um I don't know. I probably spent if you.

budget in someone's birthday $700 last. month. So again, $4,891. came in and you allowed as the budgeter. and doineer of the household to spend. 6,000 whatever dollars. You allowed that the budgeter, the one. who's improving everything. Yes, I guess so. I don't know. And why. are you okay with that? Well, I'm not. okay with that cuz I don't know. Why did. you allow it then? But if you tell me.

the number, it was 6,000. Okay. So, I. was like basically right. Yeah. And you. allowed that. That's not a good thing. I'd rather you be ignorant. It's worse. that you know what you're doing. And yet. you choose it. What do you think, guy? She's over here telling you exactly what. to do with your money, what to do with. the household's money, and she allows. you to spend $1,100. more than came in. That's uber trusting secret debt. and. spend more than we make. That's who. we're allowing to just run run the.

finances. No questions asked. Yeah, it's. looking like we need to do a change up. cuz I didn't know. What does a change up. look like? Not doing the budget no more. cuz that's that's that I didn't realize. it was that bad. So, you no longer trust. her to make the budget? Uh, I mean, the. budget the budget looks solid, right? We. just spent $1,100 more than we made last. month. So it well it's this please uh. it's the spending that's needs to needs. your budget is you budget what you spend.

you spend within the budget. Yeah, but. that's just a direction. You don't. follow the directions. We go the wrong. way down the one way. Stop yelling at me. No, it's not. There's no room here. It depends. I. mean, sometimes, like she was saying, I. mean, we got you got external expenses. You got to, you know, sometimes, you. know, dog wants to eat a roll of socks. and you got to take him to the vet. Yeah, but then you wouldn't know that. Yeah. You budget in and you'd cut back. on other things. I'm so confused. That.

doesn't mean the rest just stays the. same. That doesn't mean we get to spend. money on [ __ ] if all of a sudden the. dog eats something. I mean that's that. makes sense. But I mean I'm happy with. him to be more involved. I'm I'm happy. then to be more involved. Tell me cuz I. haven't gotten a real good answer why. he's not. It's just something that I've. always done. It's like you know a. browser. I'm Google Chrome. He's. internet explorer. No. Your entire. relationship's a browser. I hope that. feels good. Sounds like she has put ad. block on you and you're never going to.

be involved in this. No, I mean he can he is involved. I do. show him the budget. I'm just the one. that makes it. That's all. So why do you. even make a budget if you don't follow? You don't know what you spent. I guess I. don't know to have some sort of guide to. maybe improve for the next month or and. then you don't because this is your most. recent month. You need to be in regards. to income. Just like you said, I work. part-time. So if I get a different job, maybe I need to see where we need to be. in order to spend that. So budgeting. still, right? So our budget, we just.

don't follow it. We make it. It looks. pretty. We put it on the fridge. Oo, look at it. Well, I move some things. around. So like if I had $400 in. groceries, but I spent $200 on eating. out, then I would move 100 from. groceries to eating out. And so it would. to be covered, which is why you spend. $1,100 more than we make on a monthly. basis. And we allow it. I'm not. I mean I don't have the transactions in. front of me so I'm not sure what it was.

I do. Okay. Well, why do you allow it? You should know what it is. You budget. You go through it. You show him. You. show him. I mean, I file away every. transaction, but I don't think I made. memory. H How much did you spend going. out to eat? Probably way too much. That's like one of our number one things. number. Let's try to convert that. Yeah. um. last month. So far $200. No, probably like four or. 500. Okay. Yeah. 900.

I will say I know some of that was for. my grandfather's birthday and I Happy. birthday, grandpa. You're almost I did. budget for that. I made sure I I put on. a credit card and I paid that off. Listen, he's one cheeseburger away from. you having to pay for a headstone. So, what are we doing? Why does grandpa's. birthday equal $900 up from 200 or 400? It wasn't just It wasn't a $900. birthday. I think we spent like maybe. 200 after tip at like an Italian. restaurant because he loves Italian.

food. Unknown shopping, 1423. We'll find out. That's. What do you mean by unknown? So vague. That's interesting. If only I was able. to continue my sentence, I would have. ended it with the answer to your. question. By all means. You're almost. interrupting me like the way I interrupt. people. That's unacceptable. I. apologize. Walmart and Amazon are. typically unknown places. We don't know. what you get there. Walmart is most. likely groceries. I would feel in danger.

if I saw you at a Walmart. I know. you'reing you'd run me over. I'd run you. over. Not with how much I owe my car. That's not what you're saying. I owe my. car. There's no argument there. That's solid. That's solid. You take the gint mobile. around. Okay. Miscellaneous BS. By the. way, that's is bull. This is [ __ ]. That doesn't matter. [ __ ] that. doesn't matter. It's video games. You. could be anything. I don't know. We're.

going to go through your We're going to. go through your transactions. That. category is miscellaneous [ __ ] that. doesn't matter. $1,170. Listen, even just take the half of the. unknown shopping. Take the miscellaneous. [ __ ] Take the fast food. Just. [ __ ] spending alone was at least. $2,700. [ __ ] spending. You spent $1,000. $1,100 more than you made yet. $2,700. was bull at a minimum. What do you. categorize as [ __ ] I just said it's. things like video games. It's not going.

and stopping in for something, but it's. just miscellaneous [ __ ] We getting. a massage. No, don't do that. It could. be purchasing all the red pink hybrid. dye we've ever witnessed in our life. That's miscellaneous bull. Yeah, but it makes her look nice. So, what do you think. your household financial score is? I'm. going to go 3 2 1 go. And on go, I want.

you at the same time. That means when. she says it. zero to 10. Zero being the worst, 10. being the best. Based on this? Yes. Based on the. household finances. This is your. assessment or my assessment. Whatever. you think it is. Your household. I don't. even think you know your household. finances. But 3 2 1. Four. One. Wow. Okay. I should have given you more clear. instructions. Okay. Um, same time means.

I at the same time. Uh, four. Huh? Big. guy. Yeah. Don't make out with him. He. has a cold sword. What What is the four? Tell me. Um, well, we make a budget. Just hard to stick to it sometimes. So, I think we're just four for effort. Four. for visuals. Effort's always good. I would say effort that leads to nothing. is actually worse than doing nothing. that leads to nothing cuz you're just a. up at that point. H.

I don't think so. You're at least. putting in effort. That doesn't make any sense, though. If. you're endlessly putting in effort and. you're not achieving anything, is that. not worse than not putting in effort? Like I know for a fact, I look at you. when you see like a minority child down. the street, you want to rev that engine. and and roll some coal. But if you don't. rev enough, if you don't rev enough, you're not going to roll that coal.

Wouldn't it have just been better to. turn the other way at that point? Luckily, we could just try modifications. on the truck. So, he has to live those dreams elsewhere. Mhm. Mhm. Right. Wouldn't it better to. just not try than attempt to be. embarrassed. and just be a failure? No, cuz No, actually, it's okay to be No, no, no. I. No, I'm not. That's a bad example. Bad. example. No more minorities. will bring. in the fact that like it it is worth. trying and failing and try again. But if. you're just trying trying trying forever.

and nothing ever happens, that means you're up and I' I'd uh try. to assess that. I mean, that's why we're. here. That's why we're here. There we. go. She said it, ladies and gentlemen. She said it. If you want your financial. score, go to caleb.com or click the link. in the description below. You can also. go to caleb.com/apply if you want to. come on the show and get yelled at. It's. a good time. Good time so far. Having a. good time? It's a great time. Good, good, good. Just go to that website. You. can do it. And make sure if you don't.

don't want to end up on the show, all. you have to do is download the Dollar. Wise budgeting app. Sign up for the free. trial. Sign up for the annual version. I'll sign our budget friendly cookbook. and mail it directly to you. Can't be. purchased anywhere else. And also join. Dollarise Central if you want to take. our educational programs at a much lower. cost instead of purchasing them. individually. Go to dollarwise.com. Okay. I mean, they're telling me uh. they're telling me something's weird. about this first doc, and I need to like. look deep into it. No. What are you doing?

[Music]. What happened? What is it? Discount. tire. Yeah, we had to put uh four new. tires on my car when um recently within. the last month or so. So, and you added. this before you even gave us the [ __ ]. It was It was a $0 card when you guys.

applied. and then this just went all the way back. up. I get it. The new tires is hard, but. this is what happens when you go spend. $2,700 of bull. You deserve this. You. deserve this. Not as a moral you, but as. in your actions have led to you not. having an emergency fund because you've. decided to just gluttonize the world and. have as much fun as you guys have ever. wanted to. Go on vacation, go see your. favorite singer, do whatever and ever. you want to do, blow all your money, go.

into debt, not have an emergency fund. So when an actual emergency happens, what do you do? You have to take a $0. card, one you actually worked for, had. to build it up. You deserve it because. you around. Not morally deserved it, but you around. These are the consequences of your own. actions. But how do you get the discounts if we. didn't use a card? Uh well, how do you. pay interest if you don't use a card? It. is deferred interest. Deferred interest. And we know how uh great a budgeting we.

are. I'm sure that deferred interest is. going to work out really well. I mean, I. have it on autopay. You're doing better. What the are you talking about? You're. doing better. First of all, you don't. even know what's happening in the. household. Second of all, you spent. $1,100 more than you made last month. What the [ __ ] are you talking about? If. that's doing better, the What are we even on at that point? The number one YouTube membership just. got upgraded. And for this month only, you can join for free. Three exclusive.

shows every day, Monday through Friday. Financial audit post shows, exclusive. and uncensored financial audit episodes, our call-in show, Hammer It Out, but. then take the train, and brand new. shows, Fat and Fatter. That is wild. That one is I would go off brand behind. the audit. What? This was wild. Hammer. versus internet.

And now upgrading from one live stream a. week to two. No other channel offers. what Hammer Elite provides. Join with. the link in the pinned comment or. description below. Submit proof of. purchase at hammerite.com and we'll. reimburse you for the first month with a. $10 digital gift card that can be spent. anywhere in most countries. Sorry, North. Korea. This one isn't for you. Yeah, this is how we have to do a free trial. on here because the platform doesn't. currently offer free trials. It's okay.

It's worth it. Yeah, it is. Join Hammer. Elite, the best membership on YouTube. today for free. Well, I think it's better. How? Well, you don't even know what your household. finances were. You weren't involved in. the conversation. You only found out. about a secret debt just recently. because you were coming on the show and. she thought, you know, she would be. embarrassed to have it happen live here. Well, that's true. But we talked about. that one and I already knew about that. one and we got we got a discount on it.

decision together. How can you say we're. doing better if only a couple weeks ago. you learned about a secret debt, though? You didn't even know the household. finances 2 weeks ago. You didn't even. know. So, we've done better in um one. week. That's our We're doing better. We're we're we're giving out high fives. for one week of doing better. I just. want to make sure we're all on the same. page. I'll celebrate as well. We can pop. some bottles. One week. I mean, we're we're on our way. Like, I.

wouldn't say that we're over one week. It's worth a celebration. Okay. Is it? I. don't think it's worth a celebration. I. just We lose one pound. So, let's go have a cheat meal. You can't really count it as a cheat. meal. What? Saying cheat meal just makes makes it. sound bad. Calories. Calories are just calories. You can't just call them cheap meals. Money is just money is money and your. money is. one week is nothing. Here's a little.

spoiler for you. Sitting in the seat. multiple times a week, uploading three. videos a week, unless there's holidays, of course. Everyone. does better for a week or two become. before coming on the show because. they're coming on the show. they know. they've been accepted. That doesn't. matter. That's what everyone in the. world does. Get me on [ __ ] uh. cast me on The Biggest Loser. All of a. sudden, you're going to see me doing.

better two weeks before I go on so that. I can compete in the first race a little. better. Okay. Yeah. Yeah. That's what. happens. What matters is what you've. done the entirety of leading up to you. knowing you're coming on a show that's. about the thing that you're starting to. improve for one week. What matters is. what you do right after this, but not. for a week, but for 3 months before you. come on for a follow-up or something. That's what matters. We are not jerking. ourselves off over one week of progress,

guys. And that's what makes it makes me. a little nervous. It's not toing beat. you down for it. It's not saying no. Bad. How dare you? No. One week. No. Oh. Oh. Bad. How dare you? How dare you have. done something for one week? How dare. No, it's the fact that you think it's a. win. It's a win. Anyone can do anything. for one week. If we start winning and. celebrating and freaking out about that, it's about telling people you're going. on a diet before you even start dieting. It's like it doesn't work. It doesn't. work because you're getting that you're. you're getting that uh research has been.

done where um and I fail on this. I I. fail on this where it's like you start. dieting and you go in a week of a diet. and you're like, "Guys, I'm doing well. I'm dieting." You already give yourself. that preemptive win that you would have. actually only received if you started to. make progress and people said, "Oh, wow. You're starting to look good." It's. like, "Oh, yeah. I've been dieting." No, you're giving yourself that pre-. congratulations. That's what you guys. are doing. And I can't have you have. that because then you won't be as. incentivized to keep going. Why would.

you? You've already had your win. I I. mean, I I wouldn't consider it a win, but I think it's Which is why we come on. talking about it. Sure, it's a step, but. it's also an insignificant step because. you know you're coming on the show where. you'd get called out for it, so you want. to look better. Listen, the tire situation sucks, but. you could have been prepared, but we. decided going out to you was more. important. I mean, we do have a savings, but why the did we open a card with. deferred interest, which is a ticking. time bomb to kaboom? We did it literally.

for the 10% off. Uhhuh. And then when. the deferred interest hits of like 30%. Well, we're going to pay off the money. Yes. You guys are the ones that I. suspect we'll pay this off. The ones who. took out secret debt knows nothing about. the household finances has $70,000 in. bad debt. One $50,000 to $60,000 of. profit. Threw it away. Immediately went. back into debt. That's who I'm listening. to as a Yeah, I really believe they're. going to do this. Sorry, not to pick on.

you, but just look at your history. If. if I'ming, you know, going around every. time I walk past Brandon over there, I. punch him every single time. Just a nice. little punch in the arm. If I walk past. and say, "I'm really not going to punch. you this time." What's his confidence. going to be? You guys have done nothing. but up your finances. Why would I have. confidence or trust that this time's. going to be different? This is a ticking. time on deferred interest is dangerous.

Okay, so synchry discount tire. Yeah. Yeah, we I mean we had to to get the. tires. I agree. I'm not against the tire. thing. It's the fact that that we open the card. for it. Not even that. You guys could. have just afforded this. You could have. taken it out for the 10% discount, wiped. it off with an emergency fund. We didn't.

do it because we prefer going out to. eat. Listen, you have a balance, $1,159. What's the minimum? Um, they haven't. given us a minimum since it's so new, but in order to pay it off within the 9. months, the minimum is around $116. a month. Then we will do 116 because. that is what is required and I refuse to. accept anything else. And I do I have. it. So I do have it on autopay to pay. that off on time. Well, I hope you do. it. Just again, historically, we know.

what you do with your money. Yeah. You. know what you do with your money. You. have a little fire under your ass right. now cuz you're coming on the show. Congratulations. But that's not how this works. Yeah. You'll find something else to start. energizing towards. Okay. Okay. Chase Freedom card. Mhm. We use that card kind of for everything. since we have our like and there's the. behavior we were just talking about. which leads me to no confidence in the. last thing actually being done. We use.

it for everything credit card for. everything. Really smart. You do pay it. off until you don't because listen, you. had a balance of $75 last time, guys. They paid off $75, guys. Come on. I paid. off $75. I got it. Great. But then we. purchased $852. a little harder to pay. off when we spend $1,100 more than we. would bring in on a monthly basis. Yeah. Well, well, in fact, you were only able to put $482.

towards it. So, $445 is our remaining. balance. Really got to battle for the. rest of it. Yeah. I mean, I So, when I. budget, I do it per paycheck. So, I. probably Your budget leads to you. spending $1,100 more than you make. I'm. so sorry. It's just not a real answer to. me. Okay. I have your numbers. You spend. more than you make. I'm glad you were. able to put it on a piece of paper, but. you both admitted that you put it on the. piece of paper and then you don't follow. it. You guys told me that. Both of you. independently have said that.

So, okay. So, we're just not supposed to use. credit cards then. Or you guys are. $70,000 of bad debt. Not exactly the. person I would trust to use a credit. card. Okay. Oh, you're Do you trust. yourself to use a credit card? You you. took out a secret consolidation behind. his back because he built up too much. credit card debt. You you we we trust. you guys to use credit cards. I mean that was 2 years ago. That's not. now. He only found out about it 2 weeks.

ago. Yeah. Is this when we spend so much on. [ __ ] especially that just gets. pushes it above the limit and now we've. added a new minimum payment that we have. to take care of. makes it even harder to. have to pay off a balance again. Listen, okay, you've paid off this card. That's. good. But we have a balance on it now. and it's higher than the previous. balance. Yeah. And you know, okay, maybe. we've made some progress. We paid off. the card for a few months. Okay, great, great, great, great. But you've taken. out another card. This adds a new. minimum monthly payment that takes money.

away from what we can put towards this. It gets dangerous. We start adding more. and more minimums, make it harder and. harder to pay off something. Just. because we've done it for a few months. doesn't mean we're going to do it. forever, especially if the balance keeps. going up and up and up. I just need to. make sure you're aware of the danger at. a minimum. And this is it's uh what is. this? Bergen. Dunkin Donuts. Kitty litter box. The. first one. You made an insurance payment. here. Dunkin Donuts. That's not kitty. litter. Amazon. Whistle express car. wash. Great guys. I mean, you live in.

Virginia. Like what are you getting car. washes for? If I didn't have some BS. Going and getting some BS. Prime Video. Going in and getting some BS. Have him. He's your husband. He can wash your car. Congratulations. You get the princess. treatment. Bucket of water, dude. Throw it on. He can even get naked. We can film it, too. So, we can sell it. It's not like. I'm the only one. He uses it for the. truck, too. Good. Then he can extra Oh, the membership specifically. Yeah, it's.

throw a bucket of water on your truck. I'm glad we just solved that. Okay. It's. just it's just like listen, the thing is. um. it's not about the car wash, it's about. the stack of purchases and then you guys. had to take out a credit card to get a. tire. So, it's like if we're in that. position, we aren't stacking all these. bull purchases. We already talked. I. mean, it's at least $2,700 of [ __ ]. when you're overspending. If that is the. case, we have to cut back and you have. to choose where to cut back. I think the.

car wash is like one of the least. important things here. Same with the. Duncan. pull up pull up your Amazon for. me. It's not very exciting. I'll be the. I'll choose and I'll decide. Okay. And I I also do have like my Whole. Foods like grocery purchases on here. So, if that's that's what the Whole. Foods thing is. Okay. Okay. I think we got some filters or. something. We got some wipes. You got. essential oils. That I don't care. You.

don't need a 10. It's a supplement for. my daughter who has likes for my niece's. birthday. I don't give a [ __ ] about your. niece's birthday. I care about your. debt. Why would I care about your. niece's birthday? I don't give a [ __ ]. Pay off your debt. You can give more. when you're debtree. I know. Great. So, we do the opposite. Wonderful. Okay. Insect catching kit. Super critical. Ask. for her birthday. It's not for me. Like. a weird hobby. I'm noting judging your hobbies. What. are you talking about? Why are you a. hobby judger? Well, you're judging the.

Amazon box. The what? You're judging the. Amazon account. I'm looking at the. Amazon account. You I don't give a [ __ ] about her. birthday. Happy birthday. And paying off. debt and bettering my life so we don't. end up having to live with our parents. for the rest of our lives cuz we. downgraded from owning a home to living. with our parents. By the way, just. putting that out there. Well, the house. we were in was a high crime area. That's. another reason. High crime area is him. seeing one person with 50% pigmentation. and he freaks out. It's not like that.

My god. No. That's terrible. You hear. Virginia and he's got a hat and a beard. Good lord. He Okay, we were in a higher crime area. We actually got robbed. Like he they. stole his work truck out of our driveway. in the middle of the night. People ran. into not our house, but the brick fence. that was right there four times into it. Ran into it cuz we were at like a stop. sign kind of area. Sounds like everyone. And they were drunk. Yes. They were. drunk, driving, texting, driving. That.

might be true. Oh my god, Virginia's. beautiful, first of all. Um, Virginia's. fine. It's an interesting time for. business. You've got tariff and trade. policies shifting around like crazy. Supply chains completely squeezed and. cash flow tighter than ever. If your. business can't adapt in real time, you're in a world of hurt. And that is. where Netswuite by Oracle comes in. Netswuite gives you total visibility. Everything from global shipments and. tariff impacts to real-time cash flow. It's why over 42,000 businesses trust.

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for the house. Yeah, let's get some pink. Himalayan salt. Sourdough bread baking. supplies. Critical mother's birthday or. Mother's Day, excuse me. Uh uh. Oh, also. [ __ ] your mom. That's right. Yes. I. wouldn't do that. I mean, that's his. mom. She's also married. Get out of. debt, guys. And you can give so much. more. You go to Whole Foods constantly. Off. Go to a normal grocery store. Whole. Foods is cheaper. Yeah, I know you're.

not doing it that way. And also, we're. not really utilizing Whole Foods very. well. Uh, food storage bags, the expensive. versions. Botanical disinfected cleaner. That's fine. The dog little thing, that's fine. Pet armor flea tick. That's. fine. Water basket for folding walker. What the Yeah, I So I do have some like. actual medical back problems. Told you. get mobile called it. Ladies and. gentlemen, I know I know things. I look.

at something. I was hospitalized. recently and I needed to get some things. to assist me around the house. So I had. to order them from Amazon. Folding. walkable cane. I get that. That's fine. Money green composible food storage. bags. You don't need these expensive. food storage bags. And Whole Foods. probably isn't the best way to be going. about it. Go to Aldi. We do actually. We. do go to Aldi. Oh, good. You also went. to Whole Foods. Well, yeah, they have. different stuff. So, yeah, go to Aldi. Okay. Easy, easy, easy. Listen, I mean,

it's just again, it's the sacrifices. It's not about the fact you went to. Whole Foods. I know I'm digging into. you. It's a show, but it's the Come on. It's like the choices we're making, these little choices we make along the. way is what's preventing us from getting. to a goal. Hey, you pay off a little. balance on a credit card. Gotcha. The. first card, it's interest free for a. little bit and then the deferred. interest. Okay, gotcha. It's not the. worst so far. I know. I know. But do. these little choices still make you. spend more than you brought in? What's. our retirement at for almost 30? Um,

combined, I think we're around 40,000, give or take. Listen, it's the little. it's the little choices that are. preventing you from getting to where you. should be for retirement to having a. fully funed emergency fund to being a. homeowner again. Well, that's yeah, that's that's the main goal. We want to. own our own home. We want to be in our. own space, right? But you're spending. more on you. It's the little choices. that are preventing us from getting. there. If we want to get there, then we. have to actually do what is necessary to. get there and combine and communicating.

and understanding what we need to do. together. Okay, here we go. Discover it. What's. going on with this card? The only time I. spend on it is when they have the like. 5% thing, but I believe the balance on. there, what we're looking at is from. when I did um I moved a balance over to. that balance transfer, I believe. also. $10 of purchases, but it's a balanced. transfer. $35 minimum payment. So, we're.

just moving debt, moving debt, moving. debt, moving debt, moving debt, moving. debt. Okay, that's again, that's just. showing like, uhoh, the choices we're. making, the little things we're doing, it's not preventing us from actually. blasting our debt down. We just move. debt. That is just a very clear example. of it's not working if we have to move. debt. Well, I moved it so it wouldn't. acrew as much interest, which I get. that, but you're also moving it because. we could have just fully paid it off. when you actually could have if you. didn't go out to eat. This balance is. actually that balance is less than. you're going out to eat last month. That.

balance is less than you're going out to. eat last month. I don't think we had to. move it. Uh, what did we purchase? Scent. Bird. Yeah. Critical on our credit card. that we can't pay off that we have to. transfer. It's like it's something we do together. We So it's like the one It's like a. hobby thing. Scent per. Yeah. It's like you get a. perfume each month, but you're putting. it on a credit card that you can't pay. off that you're only having to transfer. Yeah. I think honestly again this again. it is it is you guys are the definition. of a thousand little things. Does that.

alone make a big difference? No. But. it's you are okay with doing a thousand. little things and that you so you don't. have to defend every little thing. because all stacking up it is not adding. up correctly again. We've been over it a. thousand times. What have you done last. month? What did you do last month? We. added more debt. What did you do last. month? Added more debt. Guys, have you. been in this conversation? I've only.

said it like five times. What? What did. you do last month? I'm sorry. There was a lot of yelling I got. It was. overwhelming. Yeah, but I've said it. like six times, seven times, eight. times. I'll say it nine times. You spend. more than you made. Okay. So, what you just said? She said our debt went up. That's not. what I said. To made it to same thing. Oh, guys, here we go again. Now, this. card was paid off. Mhm. But then you.

again but it's $2,787 of purchases that. could have gone to paying off the other. card. Well, what was on what were the. purchases on that one? What? I'll. [ __ ] get to it. Hold on. Are you the. host? Are we hosting? You hosting? Should we swap seats? Gold card. Yeah, this is We've had this card a long. time. And what's going on with this. card? Um, I mean I use it mainly for. travel or groceries because that's where. you get most the points. Why the would. you be traveling? You have debt.

Um, I mean, we we travel somewhat. I. mean, we went to Miami. We went to. Nashville. And why you have debt? See, it's just another thing, guys. It's. just anothering thing. Because we wanted. to go. We It was a tour. We wanted to. Oh, [ __ ] my goodness. It's once in a. lifetime opportunity. And correct. She. has had many tours. She has had many. tours. I wish I would have gone. And. trust me, she's a little money obsessed. So there's going to be more. Oh yeah,

but this once in a lifetime. Incorrect. She's not going to do all of her things. back to back. Didn't come near Virginia. No. No. No. There's not a stadium big. enough near Virginia. Aren't you Aren't. you You guys are near the tri-state edge. of the wholeing New York and everything. Guess what? That's not close. Not even. like Philadelphia would probably have. been the closest, but we couldn't get. tickets for that one. So, we did Miami. to Miami. No, we flew. But Exactly. That.

I think driving to Philadelphia would. have been okay, big guy. But we couldn't. get tickets. They were sold out. And And. how much for tickets did you spend? Uh, we bought resale tickets for the second. half of the store. The question is. 25,00. Great. And that ended in a few hours and look. what we have to show for it. I mean, I have memories and merch and.

photos and merch. Yeah. Instagram post. That's worth 2500. Yeah. But didn't that. didn't go on the card. We were able to. cash flow that one. I'll tell you where. it didn't go. Paying off your debt. Yeah. Yeah. But it paid the experience, though. And it could have paid for tires. instead of opening a new credit card. Welcome to America, ladies and. gentlemen. just a slight memory, a concert of which. I want you to go to. By the way, don't. think I'm saying I don't. Yeah, but that. is more important than literally the. rest of our life being able to have a.

home, raise a family, do the things you. want to do together. That is more. important. Tayloring Swift, not against Taylor. You. do what you want. Yeah. I want you to. cash flow a debtree emergency fund. You. guys are preventing yourselves from. going to more concerts in the future. Next tour you could buy opening day. Not at this pace. It's how you guys are just looking at. this so weird.

You guys are American consumerism to the. max endlessly. You prioritize every. ounce of fun. Fun that I want you to. have, but instead of getting to a. financially sound position first, of. which you'd be able to have so much more. fun while also living a secure life and. being able to retire at some point. So. we're I'm one year older than you guys. I know it doesn't look like it from. these angles, but um I mean we want that. too. We want, you know, we want to you. want Taylor Swift more at that point. Yes, we did. At that point, we did cash.

flow the whole trip. So we Yes. But. instead of going towards debt or an. emergency fund and then you had to take. out debt for tires. Yeah. I mean eventually. Yes. It all leads to that shocker. The. choices we make lead to act consequences. at some point. Okay. Yeah. Welcome to Earth. So, at. that point, it's just your retirement. like, okay, you're doing okay, but. you're not doing great. You're certainly. not where you should be for your age.

Where should you guys be for your age? About $100,000 for your household. You're not even halfway there. That's to. be on track to be able to relatively. maintain the lifestyle you guys have now. or a little less by the time you retire. And you're certainly not there. Not even. close to that. And who knows what social. security is going to be like by the time. we that's why I said we're the same age. retire. Who knows? Social programs account for. the vast majority of spending in the. United States. Social Security.

is not managed well. It gets like a the money that goes in. immediately gets sent to the next. person. It doesn't sit in there and. invest like other sovereign wealth funds. in smart countries like Norway. I mean. it doesn't happen. It's not going to. like survive. And especially if we have. a different kind of birth rate, if we. don't have people coming in to replace. us, we're going to be like South Korea. in a couple decades where you have one. retired person or one worker supporting. one retired person. It's unsustainable. You have to make your decisions off of.

you can only survive off of you. I mean, we're we're aware of where we're at. That's obviously we're we're looking at. it. No, I'm not going to say it again. The balance on this is $350.91 with a. minimum monthly payment of $40. Now. again, yes, you do pay this off every. month, it looks like, but is this the. spending that could go towards anything? Now, I'll let you take control of the. show again. What was your question? Um, I'm sorry. I guess I'll ask it. Uh, so what did we spend on in this card?

Oh, okay. Uh, going to Joannne's uh in's. restaurant. Join's restaurant. Chef Lee. Starbucks. Starbucks, Stella's Grace. Street, Perk, The Restaurant, Main. Course, Sandwich, Starbucks, Starbucks, Goodwill of the Valleys, Daily Grind, Seville, Top Golf. Oh, wow. We're going. to defend Starbucks and Top Golf. Go for. it. Time to. time. Sometimes I'm rushing around, so I. don't have time. So, I'll just go to. Starbucks or whatever. There's great.

places. Coffee places have like the. pre-b brew from the evening at like the. before the evening. Now, yes, you want. to put in cold water, but it's still. better than nothing. If you have no. time, make sure that coffee is brewed by. the time you wake up. Yeah, but I just. don't have time. Starbucks is long. Starbucks ain't quick. That drive-thru. Why? I like their drinks, you know. No, you don't. It's the coffee there is. That's a lie. Well, I like their drink. At least. someone went to Duncan before. It's. better. That was mine. Well, he has better.

taste. Starbucks makes no sense. And you go. every single day. Daily grind. I bet. that's better. Top Golf. Come on. Again. It's just another thing. Topgolf. reservation. Well, that we just wanted. to have a date night. Yeah, we that's. another concert we were going in uh. August actually. Where? It's Virginia. Beach, so it's not that far from where. we Good. But I'm glad we spent $545 on. it. And you're definitely going to get. food. We wanted to go. We're taking We. wanted to go. Congratulations to your. parents. Uh no, I take care of.

yourselves, guys. It's not a selfish. thing. You can give more when you're in. a better position. You're just debt. funding everything. Luke Bryant could. have gone towards the $70,000 of bad. debt you have that is holding you back. from getting a new house and being able. to retire. Glue Bryan. I don't know any of his. songs. Well, it's country music. Are you. a country music fan? No. Okay, then you. wouldn't know his songs. That's why I. said I don't know any of his songs. Okay. I appreciate the repeat. You're. welcome. What are we doing? Why are.

these frivolous little purchases? This. makes no sense. More important than all. that other again, we you on here when it. comes to spending, you're like, "Oh, these purchases. Oh, they're going to. like you. You thought for sure when you. asked, but what were the purchases that. they were just going to be? Oh, I can. defend these. Those are going to be. necessary." Eventually, they'll get paid. off, right? I mean, again, it's not that. you do pay off the balance on this card. It is not that. is the fact that this. could $2,500 of [ __ ] spend on this.

card alone. $70,000 of bad debt. $70,000. of bad debt. $2,500 spending on here. Boom. 28 months. Easy. Boom. Just over. two years. Two years of not bull. spending on this card all alone. Not the. other finances combined. All bad debt. Gone. Gone. Union Market. Goats are us. Goats are. us. That's probably from the farmers. market to be honest. Again, we're only. shopping in the expensive way. I know,

but she she makes like cheese. It's. Congratulations. Artisally, go [ __ ]. yourself. Go to Aldi. It's not the same cheese. No, it ain't. It ain't the same cheese. It's You're. supporting a small business. Isn't that. better than going to Aldi? Yeah, you. care about supporting everyone else. around you except for you and your. future children. cuz that's what you're doing. Also, it's not like the healthy foods. doing anything for us. I'm I'm sorry. I.

mean, I'm there too, so I I'm allowed to. comment. That's how it works, right? Yeah. I mean, we're we're aware. It's. just it's like what are we doing Whole. Foods and Farmers Market? Spending money apparently. Oh, just. nothing health related is what I was. going to say. Trial and error distillery. pizza bones rink mythalonian I don't. know probably out with our friends raise. Italian ice oh so that makes it okay. well you don't want to just go and not. spend it looks weird yeah propose. different activities you guys are the. ones that can't say no you're the ones.

that can't say no to yourselves you're. the ones that refuse to make a single. sacrifice it is stacking it is stacking. in this conversation you're not willing. to do anything you're not willing to. compromise one night one night one. farmers market you're not willing to do. Anything? Anything to make your finances. slightly better? You're not willing to. do. What? I'm just not supposed to hang. out with my friends. Not supposed to go. out. Like, what am I supposed to do? So, to. confirm, she's dumb and did not listen. to anything I've said this conversation. It's not about the one time thing. It is.

about it all stacked up. And you're. willing to defend every single last. thing to your death. Meaning, you're not. willing to sacrifice one thing. It is. not about the goat [ __ ] cheese. Okay. I love goat cheese. I lactate. that. It's not about that. It is about it all stacked up and you. won't cut one thing. One. I mean, some. of those things are like if for my pet. business sometimes I'm housesitting, so. I don't have access to cook so I have to.

buy food outside of the house. Wait, atitting you don't have access to. packing food. I pack sometimes, but. sometimes if it's like a last minute. call or something, last minute make a. sandwich. Am I allowed to be sexist? You can make a sandwich. Yeah, I guess I can make a sandwich, but. I I mean, if if you know anything about. Richmond, they're they kind of have like. a food scene. So, why would I make a. sandwich if I can? Guys, Richmond,

the food city of the US. No city. Let me. guess, you guys probably have crazy. weather, too. Sometimes it's sunny, sometimes it's rainy. Richmond, am I. right, guys? Well, they have be like a. lot of my clients, they're they're in. the better parts of Richmond. And. sometimes I don't have access to those. restaurants. I don't have access to. those. Especially, you know, how we can. get access to those restaurants when. we're out of debt. We drive to them.

But if I don't have a meal, why not just. go ahead and Oh, that's interesting. Because you're in debt. You have nothing. saved to be able to actually take care. of you in an emergency. You guys are. dramatically behind in retirement. You. sold the house and you live with your. parents. Was that a good answer? Did I answer. that properly? I could answer it like. Dave, if you want. Oh, because Bible. verse, Bible verse, you shouldn't be. seeing the inside of a restaurant unless. you work there. Bible verse. I got it. now. It's in there. Thank you. Okay.

What are your thoughts on this guy? I'd. like you to participate at least 5%. It's It's a lot to go through. Great. participation. Well, you can give him a ribbon on the. way out. Okay. And obviously, we do not. pay this off every month cuz you've had. interest acrew this year. How much wise? How was the interest on that? Almost 100. this year so far. Okay. Well, I wasn't. aware that bounces it. Well, that there.

you go. You hear that? Clip that. Play. it back. I wasn't aware that bounces it. You hear that? That is You cannot manage. credit cards when you just said earlier. I pay off this card. It shouldn't I. shouldn't it be good if I put it on a. card? I try to. [Music]. I'm canceling your sentence. That is incor I tried to your try. Your. try. You're trying to work right now and. you don't even do that. Well, [ __ ] your. try. Your tries lead to nothing. Your.

try was attempt something for one week. before coming on this show. Your try. Listen, to answer your question early, shouldn't. I just put on our credit card? No. Cuz. you didn't even know you accured. interest this year so far on that card. because sometimes you hold your balances. over than you should. So, no, you are. not credit card people. No. No credit. cards for you. Uh-uh. Maybe one credit. card. One credit card cuz it's easier to. manage. But you're trying to balance. this across multiple accounts. Multiple. accounts. I want to I want to keep my MX. so I can get the travel points. I.

discover you get the 5% back. Yep. And. then you acred interest. So it's. completely negated all that. So uh die. Well, we're using that for the credit. score, too, to buy a house. Credit score. is good. I don't want to cancel some of. the cards cuz they're like the longest. cards I've had and be spending thousands. of dollars on them. I'm so confused. Please, please, please make that math. work for me. Like, okay, we put Well, I'll just put everything on those cards. cuz those are the cards I want to keep. open anyway. So, no. All cards we put. one tank of gas a month on and then one.

we use for spending if we're actually. paying them off. But also, you don't know how much you. spend because you don't actually budget. properly. I swear I do budget obviously. No, you make the budget and then you put. it in his face and then that's the last. time you talk about it until you make. your next month's budget. But you never. actually look at how much you spend. You. just say, "This is what I want to. spend." "Oh, I hope I I hope it happens. I hope it happens." That That's not. budgeting. Go through a budgeting. program. We'll actually teach you how to. do it. Same with the investing one since.

you guys have a little bit of. retirement. Go through those. Go through. the real estate program as well. You go. through all the programs. You guys get. them for free. And I know they're. expensive to purchase. So, that's why we. created Dollar Wise Central. Much. cheaper. Join it. And you get all of our. programs, including all the ones we. create. I'm a teacher at heart, so I. love collaborating with experts to make. educational programs that change. people's lives. Tens of thousands of. people have already participated. So, make sure you do the same. I will gift. you a course career certification, by. the way, as an extra help. That'd be. nice. Use that, boost a resume, get a. job,

participate. Okay. You guys are. destroying your financial future, spending like you have unlimited money, but you're just going further in the. hole. What do you mean? You have a. literal $1,100 monthly car payment. Yeah, it's getting a little tight. $264. in monthly subscriptions. I didn't know we had that many. You guys. have to take control of your finances. How? Just download the Dollar Wise. budgeting app. It shows all of your. expenses in one place and helps you.

monitor your finances so you're not. blowing hundreds of dollars a year on. things you don't need. Download the. Dollar Wise budgeting app today and take. advantage of your free trial. Uh, okay. Care Credit. What's going on with this? Um, that is definitely all for basically. my dog because um he's got extreme. allergies. I do have pet insurance. It. just doesn't cover all of it for him. because he has insane allergy. He. literally goes to his own specialist. because they're so bad. Jeez. Yeah, that.

sucks. I spent 682 on this. No interest. is occurring as of now. Um, well, you. made a chunky payment, but not enough. even close. 15764 is the current. balance. Minimum monthly payment 52. takes 10 years to pay off. Minimum. monthly payments only. It is deferred. interest. So, that is acrewing. Oh. Oh. Oh. Promotional expiration. Okay. One. ends in literally like a few months. So, we got to kill that. As far as I know,

we're not going to I mean, obviously. Well, maybe I shouldn't say anything. because of our history. So, Well, yes. I'm sorry. How do you make. like any educated guesses on the world? Usually, it's based on the history. Germany, they're always up to something. I mean, these transactions are they're. for my pets, so I can't not take them to. get No, I didn't say I didn't say that. But also, we know what you guys fed and. how much you make. You could cash flow. this instead of putting it in a risky.

deferred interest rate position. Yeah, we've been over this. Do we have. to do this? Do we have to loop or are. you looping? Well, I'd rather I'd rather. just put on the card in case something. else happened like a bigger emergency. because you don't have an emergency. fund. I have or else that wouldn't a. emergency fund. It's just not your. definition. My definition is yes, it. would cover an emergency. Yours is a. joke. I like humor, but that's not what we're. here for when we're talking about. emergency funds. Yeah, I mean it took us a while to save.

it up. So I I mean I don't think it's. like a only because you spent $2,700 a. month on miscellaneous [ __ ] on. [ __ ] that doesn't matter. Obviously it mattered at the time or we. wouldn't have spent on it. Can you say a. word? There he is. Good one. Uh deferred deferred yeah I mean a. couple months from now it's dangerous.

it's acrewing at 33%. interest it's dangerous yeah I mean. that's if the interest hits though. that's not it is settled on payment. yes no look what you guys are in though. look where you guys have done you had. interest acrew on another card. substantially this year and didn't even. know so no it's not just based on. history it's based on the documents I. have in front of me so you want to. defend that one.

Okay. Okay. Well, I'm not going to put. this one on here. This one's $25. So, this gets paid off with the minimum. But. you're certainly purchasing on this Bass. Pro card. You're you're work market and. work market going against some BS and. Amazon. Those are like the work market. things. I think those are mainly him. What are you doing? I was doing yard. work around the house. What? I think he was a confused individual. Vending machines and and like things.

like that. Oh, that was that wasn't that. hard. No, it's getting gas. Getting gas. with that card. Like like he's probably. he's probably getting his nicotine. pouches. You're not getting $6.99 of. gas. You're dinner. That is true. There he. is. I I know when I say he's locked in now. Well, for the next 5 seconds. What is this discovery? It's a personal. loan for what? Is this the hidden.

personal loan? No, this is actually a uh. we have two consolidation loans. This is. the one that is the least amount. Can. you ask me why I don't think you'll pay. it off? Cuz one of these was a credit. card transfer bill and we have two. consolidations and then aing hidden. loan. Well, how would I trust you? How. would I? You don't pay them off. You. move them. That's all you've ever done. is just move debt. Why the would I. believe you? Well, again, if you if you. move it, the interest doesn't acrue. That's not the point. You don't pay off.

debt. You just move it. You want to get. a house? Gooding luck. Debt to income. Me. Okay. Principal balance $1,353.15. What is this? So, when did you. consolidate? Um, this one's older, but I. think only by maybe a year and a half. So it's maybe 2021 2022. So it's a year. older than the or a year. Yeah. Year. older than the 2023.

other consolidation loan. The one that I. had just recently 11.99% interest rate. $335 minimum payment. That makes it hard. to survive. Yeah. That all your other. minimum payments cuz we spend like none. other and just make balances go up. And. again, why am I nervous that you might. not be able to pay something on time? Look at these minimum monthly payments. They're stacking. They're stacking. They're stacking. makes it hard to do anything. Yeah, that. one's not fun. That one uh is definitely. one of our higher payments. Why didn't you just work to pay off the.

debt? Why don't we ever just work to pay. off the debt? Why do you guys only take. shortcuts and then take your foot off. the gas? I I guess it seems easier. because you're just making you don't. have to pay it off all at the same time. You can just keep moving so you have. more time to pay it off. I don't the. again with like I don't want to use my. emergency fund for something like debt. or something if something other. emergency would would come up. So it's. why not just drag that out more and make.

payments. It's the same debt. Why not just pay it off? You make money. We do we do make money but it has to go. towards other things. groceries, gas, etc. Normal you, you little tit. I have. your spending. It's the minority of. money that goes to that. That's such a. stupid thing. I've already said, What's. the number of these fed on [ __ ]. I've said it many of times. 2,000.

2,000 dollars. 2,000. Oh my gosh. Guys, are you listening? Yeah. He didn't even attempt to answer. I was going with 2,100. 2,700 over, guys. 2,700 on bull at a. minimum. I've said it so many times. 1,100 over. Yeah. Your spending is what. you spent. That can go towards debt. That is not groceries. That is not rent.

That is not utilities. That is not any. of that. I mean, these are things. I don't want to just not do anything. I'm not saying that you're not willing. to cut back on one thing. You're not. willing to cut back on $100 of the. $2,700. because every single moment must be. filled with dopamine releasing. activities with you. You're an addict of. life, of fun experiences, of release, of. food, of travel, of not working. I do.

work. I have a part-time job and. sometimes it is full-time. It just. depends on the season. Again, they're nonprofit. They can't. afford full-time full-time. So, work for. a profit driven company. Yeah, I did that and I wasn't happy. there. So, so that means all forprofits. are bad to work for. No, I did I did the. corporate sit behind the desk, do your. numbers. What was your job? I was um I.

worked in fraud, so I was like the. customer service fraud person. Do. something that's not customer service. Sounds like you don't like customer. service. like that. That means working. for a job that You're right. You. probably do like a job where you work 20. hours a week. A bit more than 40. I. don't work just 20 hours a week. I work. at least 32 right now. And again, like I. said, I can work more. It's just they. don't have time for it. So, you can't. work more. They tell you when you can. Yeah. Just like every job.

This is a for-profit business. Everyone's on salary here and gets paid. for their time. I don't say, "Whoopsie, we don't have enough hours for you." I. think you need to get a better job. I'm. I am I am looking because you have one. bad job in a for-profit space doesn't. mean all are bad. I'm so confused. I I. am looking into getting other jobs. It's. just this right now works for me because. it's flexible. [Applause].

11.99%. We have this. Well, we're just. sitting here and allowing this, but. we're spending $2,500 on that other card. on literal [ __ ] on one card alone. Meaning our spend is probably $3,500. stacked up across the board. Now, I I. mean, what do you consider [ __ ]. spending is my everything I've read? I mean, some of it though was not tagged. correctly. Some of it wasn't [ __ ]. spending. Like, a lot of my Amazon stuff. other than like Amazon's unknown and. Amazon's also the one of the least.

things I've read. What did I read? like. three Amazons this whole entire thing. You went to like six Starbuckses. Yeah, I know. Don't hyperfocus. I know. I go. there a lot. So, I mean that's I guess. that's fair. You can pay off a 12% debt. tomorrow. Tomorrow if you want to spend. any [ __ ] that Luke Combmes Brian. Luke Bryan is there Luke Holmes? There. is. There is. I don't know if he's the. same people. Him. They're the same. people to me. Okay. I thought they were. the same person until this exact moment.

They're They look completely different. I would say he looks more like Luke. Okay. What is this debt? Oh my. What is. this? I still think that's the Oh, no. That's So that's the debt that I hid. from him. You took out $12,610 and hid. that from him. That's insane. And you have no reaction cuz you're a. pushover. You don't give a [ __ ] about. anything. Yeah. What the What is the balance of it. now? Um 5,000. Okay.

Yeah. Again, it was just to pay off. credit cards. Okay. Lindsay wants a. pulse check on you. I don't know if she. wants to see her if you're alive or what. your thoughts are. The thoughts. Not. very confident on the alive. 50/50. No, we're we're solid. I'm just that's just. a little he was upset at the time that I. don't I don't know if it's because. it's good to not hold grudges, but this. was only two weeks ago.

The biggest debt we've talked about by. far, not even close. I will say I didn't. I don't say think I told him the amount. Oh, good. Nothing like continuing to. hide more. I just told him to cut off. big guy. That's a lot worse than I thought it. was. That's. thoughts. Thank you so much. He's not. even talking into the mic. Minimum monthly payment on this 40284.

$5,000 balance 9% paying a total of. $14,52. in total once this is paid. She also put $2,000 of this loan in your. savings account. And trust me, you were. not getting 9.31% on that. No. So that. makes no sense. But I needed to rebuild. the emergency fund. Doesn't make sense. cuz you're not I mean, you're literally. losing money, though. Rebuilding. emergency fund. Yeah, maybe we don't eat.

out every 5 seconds. Well, I just wanted. to have the cash on hand. Oopsie. McDonald's. Oh, nope. Nope. Starvies. Ooh, 9% debt. That looks better, right? Wonderful. So, you really do not care, do you? No, I I do care this. We're working on it. That's why we made. the budget. That's why we're we're working towards.

She told me it and we're working towards. talking to the money. We're to working. towards actually, you know, paying off. the thing with auto payments and getting. the stuff done. I'm just here to work, make it happen. I mean, he does work. hard for the money that we do earn. Um, so I'm very grateful for that. I don't know, guys. She just can't be. trusted. Look at what she's doing. And. you're just so nons about it. It just. makes me really nervous for this for. this future. For this future. You're.

able to speak better, but look at just. look at everything you do. Look at your. spending. All of it was your spending. practically except for his little. vending machines. You're the one [ __ ]. up all the finances. Yet, you're the one. that's speaking on I I just It's so. weird. I wouldn't just spend if I didn't. have a reason to spend. I'm just going. to like throw my card out willy-nilly. and just do whatever. Well, looking at those finances, that's. what it's looking like. I don't know. And kids? You going to bring kids into.

this? I mean, if we had to. Yes. But if. you had to. Yeah. We don't want to bring. kids into this. No, we we want to get. the debt paid down and emergency all. that stuff. Is this the relationship you. want to bring kids into? I know you guys. love each other, but look at how we're. able to communicate. I mean, listen, unkempt gay Larry the cable guy. I can't. say a word on this. I don't I don't honestly I can't tell.

you why he's not speaking about it. Maybe because I'm the financial person, but what are your guys' conversations. like? Can you tell me? Yeah. I mean, when we talk over Yeah. Go ahead. When. we talk about the budget, we go over. what, you know, what we have available. to spend in whatever category, whether. it's going out to eat or gas or um I. guess entertainment or [ __ ] is what. you would call it. And uh then we set. that amount and then that's what we do.

for the month. But after that, you guys. are missing your stuff. This is what's. critical. And that's why again, I want. you to go through our budgeting program. You need to reflect on the last month. You need to go through detail of what. was spent on the last month so you guys. can adjust for the next month. Cuz you. guys sit down, you're like, "This is our. budget." And then you do nothing based. on it. Like you need to look back and. see what your budget was and what you. need to change so you guys can make. active decisions across the entire. month. Again, I mean, you get the. premium version of the budgeting app. forever. So you you both will be able to.

log in and just see it. daily. You'll just be able to see it. I. I don't know. I mean, we don't have that. many conversations about it. So, I mean, that could definitely help. Sound. conversations about the conversations. you guys are having. And you guys aren't. having the productive conversation. Okay. Used vehicles. This truck I see. $15,000. Yeah, that's the truck that we bought. Big. Ford 150. Oh, yeah. Makes me feel strong. and powerful. Yeah. Taking home our.

Whole Foods. Sometimes. Sometimes I go through the. woods. It's my hobby truck. I take it. hunting, too. Your payments. Oh, wait. What is the payment? What's the payment. on this truck? Oh, wait. Uh, okay. Here. Here. Wait. So, I make. What's the payment on this truck? So, it's it's around four. What's your minimum monthly required. payment? 300 something. No. Oh, good. It is. It's four. I know that. At least. for what? I'm going to go 447. 447. We.

got 447. What's the interest rate? Um I. believe it's three. Okay. It's not. horrible. You do have an equity position. of about 10,000 on this. So that's okay. It's cuz you put a chunky bid down. Your. house is now a depreciating asset. Yeah. So, um but we needed the truck at the. time and we had the down payment. No, you're going to say why you needed the. truck. Well, because he takes it out. sometimes. He he um he helps friends. move especially. Okay. So, the once a.

year move we need and we need Obviously, you don't know our friends because let. me tell you. Yeah. And obviously they've. never heard of Home Depot. You rent the. truck for like 50 bucks. Well, we're. happy to help. I mean I mean we didn't. buy the truck just to help move. I mean. he also like if if people need electric. work, he can't haul supplies and stuff. around. So, if he's helping out a friend. or something with that, you got have to. put it in. I'm not horribly against. this. It just sucks that your apprec. appreciating asset went into it.

depreciating. That's all I'm saying. Uh Nissan. Okay. What's going on with. this one? Um that's my car. A Nissan. what? Rogue. You have a $33,000 car. part-time? Yeah. What the are you doing? Um well, I did have a Volkswagen Tiguan. It was like a 2010, I think. Okay. And. um we actually paid it off with the. house profit. Oh, good. And then it went. it like blew up quite literally. The.

turbo cracked in half at it again. We. wanted to. just stick with it because it was other. than that was a good car. So we paid to. have that fixed and then it continued to. blow up, continued to leak oil, whatever. went to the other side of the. access and so it was time to get rid of. it and um I did the research and I. looked at used vehicles that were. cheaper. Research suggests. I did because research suggests with the.

APRs are franchise EPD's cooking uh. parttime job 33,000 hour car. with where the ABRs are a used even at. 18 were the same payments as that. I. mean, lower terms used. Well, go get a. go get a different loan. You don't have. to get the loan that they offer you at. the dealership. I know. What's your rate on this? Um, that one is also uh 3.9. 3.9. What's it. worth? Um, that one is probably worth. less than what I owe. Probably because I.

did buy it new. Um, I I guess like. 28,000. 25. Okay. It's dramatically underwater. Yeah. So, sell this. I can't sell it. Yes, you can. And buy what? A $10,000. car. And then continue to keep paying on. the crappy $10,000 car because it. doesn't because you go to two What? You. think $10,000 cars I don't know how it. is in Texas. I know, you know, they're.

giving away houses for like two pennies. in a nickel. But where I live, that was. true. Like you can't get a $10,000 car. that doesn't have $100,000 plus. Certainly can't if you don't look. And. also $100,000 mile on Toyota something. isn't necessarily the worst at all. times. Listen, here's the thing. I don't. allow you to get a $10,000 car until you. go and take it to multiple mechanics and. get it certified that it is not going to. have to take a lot of money into it. It. is going to be safe for a few years to. come. That is what you do. But then. you're spending more money on those. mechanics again to look at a car that.

you may not even Oh my gosh. a couple. one time costs to save literally tens of. thousands. You were just talking about. all my one time costs with Starbucks and. all that stuff. Again, these are. investments. These are investments in. saving $10,000. I don't Your Starbucks. doesn't save $10,000. I'm a little. confused. How are we comparing that? That's the most moronic thing I've ever. heard in my life. You sell this, you. borrow the difference, you get a. personal loan or get a small car loan on. a $10,000 car and then boom, you just. saved. uh $17,000. You owe 17 and you save 17.

Yeah, but saving saving that amount of. money, taking that same, you know, thought process. We did that to fix the. Volkswagen and dropped 9,000 in repairs. into it. I didn't say drop 9,000 in. repairs. What are you talking about? like going and buying a used car and. then signed off by multiple mechanics. Guys, if only for free, huh? No one's. going to do that for free. No, you pay. for the mechanic. It's an investment. into Oh my gosh, you guys are like. creatures. Listen, people have done this.

on the show and it works. Virginia is. not this weird island in the middle of. the ocean. I don't know what you guys. think Virginia is. It's very midstate on. the East Coast. This car where I bought. it, it has a lifetime warranty. Oh. Oh, thank goodness. What the [ __ ] I don't. give a [ __ ] You work part time. You owe. $33,000 on a $25,000 car. Shut the [ __ ]. up. It's a Nissan. It's not even good. Nissan are I like that car. Congratulations. You like it? It's. transmission's going to [ __ ] you. I.

haven't had any issues. It's a brand new. car. Transmission's going to [ __ ] you. Well, the transmission's covered under. that warranty. So, yeah, we don't pay. for it. What stipulations do they have. under that, though? You just have to do. regular maintenance, which we we have. done. You cannot owe $33,000 on a part-time. job. And as simple as that. You want to. bring a kid in the world, good luck. You. can bring this down to $17,000 just by. not having a brand new car. We're still. making the payments, though. So, we. obviously are stupid. I'm so confused.

You can afford it, but you can't afford. getting a house. You want to get a. house. You can afford it, but you can't. afford paying off all the other debt. So, you can't afford it. Your term, how. long is your term? uh till 2031. You can afford it until. 2031. Even with a low interest rate, taking an. appreciation, taking a 4% interest rate. Take 2031. You're paying so much in. interest, so much in lost value in this. car. You are allowed to sacrifice. She's. not willing to sacrifice one thing in. her life. Not one thing. Not one piece.

of comfort. She's not willing to not. have a new car. How am I supposed to get. to work in a different car? Well, she's. actually stupid. Okay, come on. Did you. not just hear what I said you're going. to do? If you do this properly, like. many guests have done on the show. If you do that, you still get to work. Yeah, I heard you. It's a crazy concept. We just You heard me, but you're not. listening. Well, no one's going to pay. me what I owe on it. So now I'm under. You sell for 25,000, you borrow seven.

Have we not listened to me? But now. we're 17 under for a car that you get a. $10,000 car with $10,000 loan. Now you. owe 17,000 instead of 33. What is so. hard about this guys? Well, I just told. you I looked at a used car around that. around 18. One used car. Yeah, we looked. at a lot. We I'm just bringing up a lot. How long did we look? How many. dealerships did we go to? Uh we went to. at least five dealerships. Huh. At. least. But also went through car gurus. and everything else. Five dealerships.

Last time I looked for a car that wasn't. my current car, I went to five. dealerships in a day. What the You guys. aren't willing to put in the work. People that aren't willing to grind and. put in the work to get a better. situation are never gonna People that. aren't willing to grind and work and put. in a little bit or cut back on anything. end up exactly where you are and you. guys deserve it. Enjoy your debt for the. rest of your life. You're not willing to. cut back on anything. Any luxury, any. creature comfort, any concert, you're. not willing to do anything. How am I. supposed to look for something if I. don't have a car? I have to use somebody. else's car. You have to sell it while. you're looking. And you can also Uber.

You I didn't sell it. Her car blew up. It blew up. Oh, that instance. Do you. Uber? Uber his truck. Yes. I live like. 40 minute. We don't have Uber where I. live. That's a lot. You can get Uber. almost anywhere. They will come and it. costs money, but it is worth it instead. of $33,000. $33,000 until you're 35. It's moronic. You guys aren't willing to. do anything. Anything. You can call a. taxi remote. Well, I'm not willing to.

get rid of a car if I have a license. You're not willing to do anything. Off. You can even get there's different. special warranties you can get on used. cars. You shouldn't get them. We have a warranty on his truck that's. paid off like Yeah, that's actually. saved my ass quite a few times. Oh my. gosh, guys. Oh, you're so lost. You're. done. You're done. You're done and I'm. done. Barnes & Noble. Barnes & Noble. Barnes & Noble. Well, I like I like to. buy books. Yeah, I certainly knew it. wasn't him. Well, scent bird. No, I just. listen.

This is bullsh bull [ __ ]. Venmo, McDonald's. Yeah. So, sometimes. when I get paid for Starbucks, Wendy's, Duncan, Regal Cinemas, McDonald's, McDonald's, McDonald's, Dominish, Duncan. Mobile, Sonic Drive-In, The Good Rest, Park B, Starbucks, McDonald's, Lemons, and more. Ironclad, Coffee, Cheese, Pope, Dunkin Mobile, off. Oh, you're not. willing to cut back on anything.

That's my Venmo. Your Venmo. I don't. give a what it is. It is your spending. Shut the [ __ ] up. What are you talking. about? It is your spending. It's my. Venmo. Oh, that makes it okay. What are. you talking about? Because it's like. It's like fun money. It's not like. account. You don't have fun money. You. don't have fun money. You're broke. Yeah, but that's not accounted for, so. it doesn't exist. Yeah, we don't. I'm.

done. I'm done. Shut the [ __ ] up. I'm so. done. Okay, come to the post show. Shut. the [ __ ] up. That is the most moronic. thing I've ever Shut the [ __ ] up. This. should have been an easy conversation. You guys are horrible. Come to the post. show. I'll talk to you an extra 20. minutes with them after I step out. Join. Hammerly for the best content on the. platform. We're giving her away for. free. Just submit proof of purchase at. hammerly.com. Download the budget app. I'll see you guys in the next one. You. didn't know how bad it was coming into. this conversation? Not on the aspect of. everything altogether. He's not normally. this calm. How about let's let him talk.

She literally took out a $12,000 debt. without you knowing. Oh, why wouldn't. you tell me until later? All this is. her. The spending, the debt. We're. closing accounts. Which accounts? All of. them. Exclusive members content. Click. the link in the description or pin. comment below and watch thousands of. hours of extra and uncensored content.