He’s Choosing Xbox Over His Wife And Kid | Financial Audit

he's negative in his debit card cuz well. he's not getting any money I'm a stay. home dad then why are you spending money. why aren't you at least doing like new. breeds or door Dash or something make. ends meet for you in your family just. wanted to take a little time rela time. to relax what time to relax do you have. yeah how does that feel he's taking time. to relax when you're out there grinding. it I don't think video games is more. important hey guess what you're a dad we. have fun though huh hi my name is. Vanessa I'm 21 years old hey my name is. Anthony I'm 22 years old from Houston.

and this is the financial. audit the financial audit we'll start. with you Vanessa what do you do for. living a 21 I'm a meat rapper meat. rapper rapping that meat that's exciting. I bet you love that so how much do we. make doing that um an hour. or yeah sure uh 1650 an hour okay 1650. an hour how many hours a week are we. working currently 30 to 40 30 to 40 how. inconsistent.

[Music]. kind of inconsistently I'm just trying I. just started to get into it so yeah a. new job uh a new position I've been. working at the same store for like over. a year now I just transferred and what. do you do for living uh for right now. I'm a stay home Dad but um I you guys. have a kid yeah yeah okay I I know. people used to have kids well when they. were young like I guess it's actually a. very normal thing for so many people but. to me it just blows my mind as a. 29-year-old who's like I can't even.

imagine having a kid yet I'm like please. I'm just a little baby it's like how. the. like yeah but okay good for you guys. planned no we knew what we were doing. okay you're a professional meat rapper. you should have wrapped that meat yeah. that was that wasn't my uh that wasn't. my job. you're not okay wow so how old's the kid. he's two.

who so this was this was young similar. to like when my parents had me um okay. wow so we're relying on the single. income of 1650 at potentially sometimes. 30 hours a week how are we doing off of. that we're barely making it I mean we're. we're still going past it but it's kind. of we don't have no extra money for. nothing yeah if if I need money I would. ask my mom be like how can I borrow this. much Bor how much are we borrowing from.

her mom right now I owe her 50 not much. $50 but how often are we doing this. pretty often we're pay daying from our. mom okay stay at home Dad obviously okay. we're breaking gender stereotypes. whoa um so wait what they're two okay I. guess we're avoiding daycare daycare is. expensive why is the stay-at-home dad. what we've chosen well for right now I.

mean I was waiting for a job interview. cuz um I I've already had the interview. I I have it on Thursday but uh I was. just waiting for them to call me back so. but it took a while you been waiting. like how long have you been two three. weeks it was more like a month over a. month how long have you been out of work. a month oh what H what what were you. doing okay uh I was working at my friend. shop but um friend shop yeah but I had. gotten kind of like fired from there. from your friend you have to be really.

bad at your job to get fired from a. friend don't you yeah I was uh well I. mean I was I was working there for a. little bit for like a week and. but her and her mother were complaining. that I wasn't enough pay and I was away. from home for a long time even though it. was it really EAS your mom were. complaining to his friend who was his. boss at the same time no we weren't. complaining to his friend we were. complaining to him because and I was. complaining to my friend cuz what were. are you making I was making like he was. making like 13 something an hour yeah.

was the shop and what was your position. it was like a it was a smoke shop and I. was just in the back just taking out the. orders that they order but he was he he. was. selling. selling oh under the table Yeah Yeah. type so not really legal oh. yeah behind your friend's back no no no. no no that's what that was why wasn't it. legally sold I mean it was just Texas. not.

but but the shop was to sell it uh well. I mean the shop the shop wasn't. registered basically so it wasn't it. wasn't like cuz I know next to my condo. when I used to I can say it now CU I. don't live there it was on Boulevard um. and there's like like this collection of. shops there's an Alim Draft House right. there and there's a shop that grows the. window and they sell it in a way where. they're. like if this catches on.

fire and smoke comes from it you know. that might be something that happens and. that was their legal way of being able. to sell it and they sell like a certain. strain that's. legal it sounds like you guys weren't. doing this is not this is just like they. know it's illegal in Texas but like. places in Austin they don't enforce it. yeah well I mean it's just said like. they didn't really uh it wasn't they. didn't build enough tour to to get. attention from like police or anything. like no one that would like suspect.

anything yeah cuz there's like actually. dangerous things happening yeah so it. was just like um like under under the. table like you said like like stuff on. Instagram that we have like customers. why'd you get fired uh cuz my. complaining complaining and they they. have the money for it either I want to. say well it's not that I mean like if if. why didn't he just say. no uh I mean he did say no but they. always just like because we wanted him. to find something better he was working. 40 hours and days like nor like but a.

normal job you you'll get five days for. 40 hours yeah I mean it sounds kind of. just like a weird job Smalls schedule. yeah it was it it was it was like a. small business so I was trying to help. him you know build it up yeah so but I. mean I was still getting paid well 13. bucks an hour right yeah 13 bucks it was. I mean that is more than $ Z an hour and. it ended up becoming $0 an hour but he. had a job before that like a real job oh. when it was um he quit for that job he.

didn't even talk to it was a it was a. job at Papa barbecue so I mean I but the. thing is I was already kind you why. weren't you why aren't why aren't we. discussing what we're trying to do. though because it could impact things. why why are we not discussing cuz I mean. I kind of already knew that she would. say something so I just like well what. do you think then so does that make. sense to then just go do it I mean I had. told her but I had told her last minute. so he had already put in his two weeks. I'm not saying you can't do it but just. like don't we form our partner yeah but.

at the time have the conversations and. it was just like a quick it was just. like a quick thing so I didn't I didn't. really get the time to how healthy is. this relationship oh no we're we're fine. we're good we're good just like it's. just like communication is not. really everything's great except for the. most important thing the main thing of. the relationship just not there and even. then on top of that before that Papa's. Barbecue job he had another job um at. some what is it called a grocery store. yeah and and he quit mid shift too and.

that are you what are you I know you. guys are young it's it's cuz I had a. cooworker and did you have a kid I have. a kid yes if it was just you just around. that's a little different but the thing. is that okay so before that job I had I. was working at Papas again so I left. Papas to work at that job how are you. working making at Papas uh I was making. like 14 oh so he went down a dollar yeah. but so why was that the biggest like no. okay so first when he was working at. Papas he was making like 12 then he quit.

to go to the grocery store and then he. was making like 18 18 18 but it was. overnight work okay and then he he got. tired of that one coworker he he really. didn't even talk to nobody TI of a. coworker cuz he was he's been there for. like five plus years so he always. thought that he was a like he was on for. five years what is this High School what. is. happening so he would he would uh like. always boss me around but he he was he.

was nothing like he was manager I did. but he since he was working there for a. while he was he had favoritism he had. favortism. okay and he was like the best nobody. wanted to work there always quit after. him somebody else quit well I'm okay. with you going and getting a different. job okay so we went back to papies Papas. mhm and then from there um and then you. took a dollar cut well so why was the. dollar oh I had got more cuz they they. raised it more so so what were you. making before you went to $113 an hour.

at the job you got fired from it doesn't. even like matter cuz you got fired from. that job anyway yeah so like the the. first time Pap I was making like 1250. and then I left to make 18 and then I. came back I was making 14 and then I had. left again to 13 so okay why what's the. big freak out between you and your mom. for $1 down because he was. sing well you know you said originally. you said it's cuz he wasn't making. enough so you and your mom complained. that needed to make more he was he could.

have he could have made more at another. job where are you making more with the. under the table selling than the 13 kind. of cuz I it wasn't for for the 13 it. wasn't really like it it wasn't like. guaranteed of like a 500 like paycheck. what cuz I I for for that 13 I would uh. I would be making 500 every. week but for the other one it'll be. bi-weekly and I'll be making like 800. like 80000 maybe 1,000 week in a.

l okay so you got fired because you were. asking for raises yeah I got fired cuz I. was asking for more even though it was. the business was still small yeah cuz I. want to say but for what he was doing I. want to say that he was I walk into work. every day and the first thing I hear. from Noah Oh Daddy please give me a. little raise and then I I punch him and. lock him in a closet that's what. happens yeah you watch yourself.

yeah they I never asked you for a. ra yeah so they they were they were just. complain like the more they complain the. more they add on about stuff like oh. like it's dangerous like yeah it was. dangerous but we but we also were like. protected we had protection so I mean it. wasn't protection yeah protection like. um a firearm we had a firearm okay this. is. weird that's a weird job but you got. fired from it anyway so what the you're. doing now what's the interview uh the.

interview um it's just um it's a freight. Handler yeah Freight Handler so it's. like a warehouse so uh I'm just going to. be I'm just going to be tored around the. building and then I'm going to see what. they do after where are you in the. interview process have you not had one. or is like the in this is this is the. intro so so it's not a guarantee for. sure it might be guaranteed because I. have someone in there yeah somebody got. that that can definitely pull some. weight it can pull a lot of weight. actually yeah okay okay I'm still young. so literally right now though 1650 on a.

slow week we're making. $495. before any deductions before any. taxes a week. $2,740 a year assuming no time off is. there paid time off I'm not full time. assuming you well 30 to 40 kind of I. well I pick up. hours how are we surviving guys. legitimately how are we surviving living.

with my parents we don't pay rent or we. do pay rent just not a lot it's just. like it's just like a couple bills we. pay to help out. okay yeah I mean you you guys are kind. of forced to live with the parents it's. not really much of an option is that. what we want to be doing uh no then then. I don't I don't know does it feel like I. mean you guys are in your 20s but young. 20s I mean we're still in the same. decade but. I'm just getting a sense this is a sense.

we can prove me wrong during this. conversation but I'm getting a sense. that we haven't grown up yet I feel like. we're still kind of children especially. with your whole situation the reason I. dug into that was just to learn more. about you because it doesn't really. necessarily matter figuring out the. income and everything of a job that you. it's already gone but you know just. learning about you as a person you know. just quitting mid shift cuz we had a. little bit of a beef with someone at. work and then we worked in a legal job. kind of that we got fired because we're. begging for more money it's just I don't.

know I feel like and then you and your. mom complaining it's I don't know I feel. like we just haven't like grown up yet. but the kids kind of forcing you to at. the same time yeah two-year-old kid so. like yeah cuz I mean I always take their. words so like if they say something I'm. like okay well like I gotta I. gotta go through with it how are our. finances how are we looking today guys. no savings no saing in a negative we. laugh about that okay it's interesting.

when we have a kid okay sure um so no. savings he's negative in his um his in. his debit card cuz well he's not getting. any money in. there um you doing then why are you. spending money I'm not spending money I. haven't had no spend or what how are you. negative why aren't you at least doing. like new bre or door Dash or something I. was trying to but why aren't you working. at a coffee shop why aren you scraping. gunks where for like $7 just to at least.

make ends meet for you and your family. yeah in between the job well I mean it's. just that I haven't had like I just. wanted to take a little time to relax. time to relax what time to relax do you. have if you want to take your investing. to the next level my new investing. course is still on sale until July 1st. we're offering the course for only $97. which is $50 off you'll get over 55. lessons the best budgeting spreadsheet. known demand portfolio strategies. worksheets retirement strategies and.

I'll give you a $100 Mumu cash reward. when you sign up with Mumu check out the. link below for more stop buying Sweet. Treats people and start investing well I. mean I'll be playing with my son yeah. how does that feel how does that feel. that he's taking time to relax when. you're out there grinding at $16.50 an. hour she can't she can't have a place to. call her own because you're taking time. to relax something tells me kid equals. video. games yeah oh I nailed that I can smell.

it from across the room you don't stink. that was more of a just a saying you. guys smell fine mainly because I can't. smell you guys which is what I ask. for okay I don't think video games is. more important hey guess what you're a. dad if you were 22 22 and you weren't a. dad you were single and you're around. maybe a little in college like what okay. fine would I dig into you absolutely but. you're a dad you got a little you got a. couple responsibilities right now. yeah I mean I also wanted I wanted to.

try okay yeah here we go go ahead I. wanted to see if I could start a YouTube. channel of gaming okay so I could also. play with my son like what he's watching. me so I can play with my son and then. sounds like an play video games well I. mean it's not even that it's just that. like I I really enjoy video games and. YouTube is a good hobby like a side. hobby there you go so what do people. with side happies usually also have yeah. but I mean I fulltime job waiting for my. for this interview to come up yeah four.

weeks buddy like at that point plus. there's no guarantee you're going to get. the job that's the thing that hurts. you're really I know you have an inside. connection that is going to help if I. was a betting man which I'm not I would. probably bet that you're going to get. the job but there is still the chance. that you're not so what I would do is. I'd at least be looking for other jobs. and working other job you had Zer in. savings when you lost your job right. right I had what right Zer in savings. yeah okay so that's when we're going in. the day we lost our job we walking into.

McDonald's and saying I'll fry some. fries in the middle of the night. okay you have a. kid it's not a comedy show you have a. kid a child a real life child that. actually exists in this. world who doesn't have their own place. to live in that you would. like because video games I just need to. get back up my feet from not having a. job I I didn't know I didn't know it was. going to be like weeks until they called. me I was waiting like oh like at least a.

week that's what happens when we don't. have a backup plan that's what happens. when we don't get out there and grind I. would have grinded but but you didn't. know and if you don't know then you have. to he didn't know it was going to be. this hard to find a job what do you mean. how many jobs have you applied to no. okay so his first job like his first job. that he ever had he was working a Little. Caesars he'd worked there for like three. years I want to say and then after I got. him the job at um at Papas because my. aunt Works a manager there and then I. got him the man I got him the job at the.

grocery store yeah so like it's always. been it's always been because I had. someone in in the in the company so. you've never achieved anything on your. own uh no not really I've always had to. help with someone I was like it's okay. for help that's not it's not a shame. thing it's just that's how I grew up I. I've I've what the game are you even. playing fallout Fallout 4 there hasn't. been a new Fallout in him forever and. your grinding Fallout I mean I'm on what. what are you playing on Xbox okay but I.

I do have a PC but it just I I haven't. it just sits there yeah it just it's. sitting there can we sell it to get us. out of debt I literally just got it for. his birthday cuz he was telling me he. was like wait a minute you got it your. finances aren't I know I've been digging. in on you. so the I know you don't have money. gaming PCs are not cheap how much did. you spend um like a thousand oh me again. we have a kid.

but we're acting like kids instead I'm. going to countd down from three 3 2 1 go. I'm go I want you guys to give me your. Collective household Financial score you. too zero being the worst 10 being the. best where do we think we are three 2. one. five okay so you guys think you're right. down the middle doing solid doing okay. you're getting people with Z dollars in. savings people who can't live on their. own people who blow money they don't. have people who don't go and get jobs. sure okay if you want your Hammer.

Financial score it's free in the. description. below and if you also do not stink from. across the table feel free to apply and. come on the show Caleb hammer.com. apply okay let's look at the finances. we've been talking for a bit while we. haven't touched. finances. Oh Me Oh Me Now what are we doing guys. what are we doing who owns the Capital.

One both are we both on it or whose card. is it just me you the one who just spent. $1,000 on a PC yeah what are you. laughing. at I've had that card since and it's. funny no it's not funny. um that was my first credit card I had. gotten it I was just like I was like oh. yeah like I I want to build up my credit. I want to buy a house I have the funds. to pay it I want to buy a house and yet.

we can't move out over our parents okay. and yeah it just accumulated and then. now it's just like oh it accumulated. it's over the credit limit $500 is the. credit limit it's at $568 56 $14 58 of V. gring $25 a. fees even worse I don't get it you put a. little more than the minim mty payment. towards it. but you went and purchased 100. $16 why are you purchasing on a car that.

you can't afford to pay off that is over. the credit limit well crewing interest. why that was my first late payment I had. never late payment yeah that first it's. I thought it was over the credit limit. thing so we're purchasing on a card. that's over the credit limit that's. agreen interest that we can't pay off. that we're missing a payment on how in. any world does it make sense to purchase. $116 how in any world world has that. ever made sense in that ever in this.

galaxy canting groceries that and we. just pardon checking accounts have we. heard of them yeah but if we pay from to. there we can use that to pay huh but no. but you didn't you didn't what do you. mean I was trying I don't know I was. trying what. trying excuse me what trying there's no. trying here are you late trying I don't.

see a try where's the try I paid it. after it was there I swear that is. inexcusable you missed the payment you. missed the payment that's. inexcusable even if you make it a little. later you missed it you are not a credit. card person you don't know how to use. credit cards chop them up close the. accounts they're not benefiting you. they're. yeah yeah the debit one for the Discover.

one for mine I kind of she got me into. it cuz I wanted to do my credit to. enable that and they gave him a really. really really high credit for just yeah. for for starting it was just a 2000. actually no he had one before that one. but then they closed it on him he also I. first sent him that uh Capital One which. one applied to be on the show me okay. yeah I I didn't know about the show she. just signed up and okay we're going to.

go to a show I'm like welcome welcome. welcome okay I'm just assuming your. smile is a cop smile you smile right yes. just SM person that's okay it's okay I. just want to make sure my big fear is is. people taking it seriously I just never. want to care about someone's financial. situation more than they do cuz that. just like you know it's just that would. be. terrible okay $70 minut with the payment. the interest is accre.

gr groceries groceries groceries. groceries no we had a return Mobile. payment because we didn't have enough. money in our checking account I'm. assuming we had a return payment because. of bounced and then Amazon Prime. groceries I don't see a single grocery I. don't see a single grape on here I don't. see a single single. peanut. groceries okay so I kind of stopped okay. so I do the I do the minimum payment on. that one but it's my other credit cards.

that I usually do the groceries. on what are we getting on. Amazon I did that's where I bought his. um the. monitor um I bought him stuff for his. birthday you don't even use it I do use. the monitor oh yeah the monitor why do. you prefer the Xbox over the computer. cuz uh on the Xbox I have like DLC and. stuff like already on the Xbox and for. the return.

it can you it's been over I think the. month I don't know what the return was. it I had a friend but I can I can still. use the PC if because I I truly want to. go to like a YouTuber type hobby so I. can use a PC for and I'm okay with that. as a concept but we do that when we have. money like we don't go into debt for. that and you still work a full-time job. while doing it I didn't get to leave my. job for a while when I started this it. was quicker than a lot of people because.

I've been incredibly best because this. audience is absolutely amazing to be. completely honest uh so it was it was. quicker than many people. but can you return the. monitor um no I don't think so I was. going to give you I was just going to. give you one of our monitors that we're. not. using if you return that monitor we. check on Amazon check real. quick it's not a great monitor you're. not going to get something thrilling but. it works I mean could usually use a. second.

monitor um for me and the boy return. window closed on May 22nd. 2024 no say you sell it on Facebook but. at this point I don't think you guys. wouldn't know. it use the Fizz card if you're going to. use any card it's geared towards people. your age anyway for the rewards but it's. a charge card that forces you to pay it. off every month and builds your credit. discover is this the one you said it's.

yours the Discover yeah Discover it we. both have the same one balance tell me. who says this oh. mine your interest. free it appears so big thick old balance. thank you for making your minimum monthy. payment on. time. $1,956 I don't but how from from I don't. even know they just just I think I sent. him like they had a they had like a him.

okay they had you guys like high school. sweethearts or something um we met at. work when our his our first job both our. first job and then we got together our. first job because of the birth no we. were already together like a few like a. year. before. okay people on the show hate condoms let. me tell you they really. do I'm sure the kids a blessing and. awesome and very pleasant and also.

stinky and sticky but also very pleasant. and loud but Pleasant actually very. quiet he doesn't talk oh my gosh it's my. dream. kid okay uh it ends in eight months the. interest free period so what do we have. to pay on a minimum monthly basis to. make sure it never accumulates any. interest will there be back. interest no okay good so we need to pay. this off do. eight.

okay uh. $244 and 57 months uh $57 a month that's. what you need to pay it so interest. never. acru but there's no back. interest so that does help with that so. it's not like Beyond. urgent so the income. situation well what's our highest levels. of Education here did we go to college. um I went but I stopped going like I.

guess I dropped out I don't know I did. too I get it I dropped out High School. you dropped out of high school yeah cuz. that's when I had my wow you don't hear. that much these days that's when I had. my child so I didn't have enough time. for to go to school and energy so I Dro. you must have been like senior last year. wasi it was the last the last but you. should have just but the thing is that. they they had held back like a credit. that I needed and I would so I would. have had to repeat the whole year for. that one credit what about G I would.

want to do that but it just I need I. need a little bit of time to get back. into it and itic off of my head but. people without a high school education. like they barely make income throughout. life it's like horrendous I mean if I. get the job it'll be it'll be enough if. I get it but at what what did you say. the pay is uh 1995 starting okay yeah. that's not bad but just typically people. without a high school degree they their. incomes is kind of stagnant throughout. life and that's kind of what scares me.

to leverage our way up yeah and if I do. the YouTube but as a side I mean I'll. probably get like a couple not a lot. because I'm I'm still going to be new. but if I do blow up I mean it'll be. pretty good obviously just like any. guest on the show I have the opportunity. if you ever want it there are Tech. certifications but there's things for. like accounting and stuff if you ever. want a certification course and stuff to. get that attached to your resume through. course careers I'm able to gift that. the median lifetime uh the.

median expected earnings of someone. without a high school degree is less. than a million dollars throughout their. entire life entire life million dollars. is a lot of money but a lot of people. are making you know like $60,000 a year. and you can get the million dollars over. the course of. decades not necessarily saved but total. earned. 973 is what someone without a high. school degree someone with a high school. degree no College at all 1.3.

million bachelor's degree go up to $2.8. million. 2.8 more than double yeah but the. graduation I mean the diploma doesn't. really I mean that's just like a paper. really like jobs are looking for. experience like to a certain point but. with where you are in life you don't. really have much experience you've been. fired you've left jobs quickly I would. argue yes when you're in like your 30s.

cuz you have you already have a lot. experience you have a lot on your resume. that and that starts to outweigh the. degree because at that point your degree. is a bit older and you have been showing. that you've been benefiting a. company you're. 22 and also I mean High School degree. that's pretty basic minimum stuff um I'm. think I think usually the logic. surrounds that is typically more. College like college Dr out but even. still I mean the statistics speaks for. themselves for the media. um but there there is some truth to what.

you said but that tends to be later in. the career when you actually have job. experience you don't I don't have any. experience right now no not really no. but I mean I mean I don't think you're. allowed to be all kind of he high and. mighty on this when you have a kid. you're bringing in zero like there is a. certain level of responsibility that you. have as a dad MH well I mean I just want. to I just want to spend time with him. before I start working my. and I don't have time for yeah but even.

if you're working 40 hours a week. there's a lot of time to spend with them. and you can play video games during that. right now you're just sitting on your. home and yes start a channel this is. this platform is like the greatest thing. for creators ever it's almost a miracle. that this platform exists it's crazy do. it as a side thing you still have to. take care of your kid your potential. career on a social media platform is not. more important than your child is it if. you're a business owner like like me I. have an absolute Game Changer to share.

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that's why I I dropped out of college to. spend more time with him because when he. was born I was in school I was doing. sports I was doing homework I was. working I was doing all this stuff now. it's just like I get to be home with you. my mom my mom really wants me to go back. to school but that's not what I want to. do right now so like for her like it. it's weird but for her like whenever. she's away oh yeah that's fine it. doesn't really matter but whenever I was. working at that shop and I was away. working oh that was a big problem for. them because it was he was gone most of. the time he was gone for a lot of the.

time yeah working yeah but well that's. him bringing in income for the house you. got you got to stop being and then I. mean that's kind of dumb come on and she. was a away she was a way at school. playing soccer games that she didn't. even get paid if you out there drinking. and hanging out with friends that's. different but if he's out there working. I mean come on you guys literally have. zero doar in your checking account. there's almost no alternative like that. is what has to be. done how how can you be upset at that. I'm sorry that he it was it was that he. he unless he's perfect purposely.

selecting shifts that are like so I. never have to see my wife and kids again. I I gen really feel. that okay so he would work he would work. Saturday all day okay Saturday all day. and then 6 hours um to bring home money. but it would be when I would be at work. so do you ever want to have your own. place I. do but it was just like he could have. gotten a he could have he could have if. he really wanted another job that made. more money or something he could have. gotten something else with that I agree. with that and it's okay to push back. against that as a concept but don't be.

angry cuz he's at work when you guys. literally have $ Z in the check account. he your. payments it was one payment one payment. all it takes one to have missed payments. he he could have gotten another job that. was if he had a better job that was a. better job what he had before which was. working five he was working five. days and then the other job he was not. he was working more listen just with. where you are kind of sitting on your.

then again I think there's a good chance. because you have an internal connection. and that's how you've gotten all your. jobs but I'm starting to get a little. afraid that the kid's going to get a job. before. you. okay so you're at. 1,956 minimum the payment $40 on this. the interest starts kicking in at the. beginning of February you need to make a. payment of $244 $57 a month starting. this month in order to never pay. interest on. that how'd you rack up that credit card. debt do a lot of credit card Deb for Zo. young it's mostly food I I would say.

mostly food or like stupid Stu. really fries in that gut is more. important than getting your own house. for your kid what guys okay I know I. I've I feel like I've said a similar. version of that multiple times in this. episode I'm just so confus that's why I. really think you guys are still acting. like children you're putting your own. desires and. pleasures of your family that's mostly. her though that's her that's directing. me towards the food okay yeah but that. was your card you said it's my card but.

I mean we're together so it's basically. is our money is what he saying correct. yes but it was like then why the that. more important than your kids how is a. MC nug more important than you getting a. place of your own because I was only one. cooking at home he was never over there. cooking like. where so what he he's not allow he's not. so he's not allowed to work so that he. can cook but then he needs to work I'm. so confused he is working or what he was. looking wa when we when sorry when we.

were at home he would not cook he would. be like oh yeah like can you make me. something or okay buddy you're being a. little up a little cook some food can. you make me something or can you or if. even then he was like I'm hung I'm hung. fast food fast food fast food fast food. fast food where else are we supposed to. get food warm up a Hot Pocket even is. cheaper he doesn't like cheese oh my. that was an example are you kidding me. that's what you're going to. say he's he's very picky I can bring.

home like frozen food and he'll be like. I don't like it well then go cry I don't. give a then make your own food well I. mean I would make I could make keep. coming back you guys are children you. got are children you can't afford it you. don't get to do something you can't. afford. no so now we have a car that we can't. even come close to paying off because. guess what we don't have a job to bring. in money to pay it off off discover this. one's yours yeah the pink.

one five out of. 10. $1,626 minimum monthly payment $57 these. are stacking my friends for a single. household income that's not even working. 40 hours a week $63 of purchases why do. you keep purchasing on a card that you. cannot pay off that is ring interest. $418 of interest is ACR yes you paid.

more than your. minimum congratulations but then you. still spent on it so what's the point. you're close to the credit limit anyway. you started the month over the credit. limit why are we. purchasing how how we supposed to buy. things that's our bad habit what how are. you supposed to buy see what you bought. then hm oh Six Flags Six Flags go inside. of guess and get into [ __ ] and like. a locker for Six Flags am I supposed to.

buy things you don't get a six flags are. you kidding me really that's more. important that's seriously more. important that's more important we have. a 2-year-old 2-year-old it for his. birthday whose birthday his birthday you. happy birthday get a job make some food. stop playing video games oh my. children children. we have fun though huh we had fun though.

oh you listen I know you're not the one. who watches the. show well that's not that's not the time. what it doesn't matter are you serious. the so the life of your 2-year-old. doesn't matter it's a joke it's a joke. we make little jokes are we doing little. heha hehas it doesn't matter doesn't. give a you don't give a sh rather go. have fun he's not going to remember he's. a 2-year-old people don't start for me. cor memories until about three that's. why I told her too yeah cuz he I love to. go out with him I love to go like go to. the museums and stuff you live in her.

parents' house and you think having fun. is more important be a. man grow. up what a. joke that's going to piss me off CarMax. the enemy of all humans oh this is oh. this is. expensive oh death what do we have what. is this car uh 2018 Subaru Legacy m. okay.

sure we. owe. 18 current bounce current balce current. bounce current. balce okay I'll just go off this one. 18,000. $94 and. 56 the minimum the payment oh my gosh. these minimums this is a chunky minimum. I mean it's it's. what it's like 447. no 544 544 but.

for on your low end it's a whole page. it's a whole weeks of worth more than a. week's of worth for. you oh it is it is my whole. weeks oh no 54 547 sorry 547 21 I don't. know why must have made a small payment. or a little hangover of the payment oh. amount paid ahead $2 that's why okay. great. really making progress there oh round oh.

13.45% just. right what's the term on this do we know. I think they said seven years did they. or something like that is that what they. said it's five or six all right well I'm. getting very different numbers so is it. five six or seven cuz all those are. different I want to say it was seven we. chose the longest one to pay the L we. don't even know we don't even know. what's the car worth guys you owe. $1,949 it what's it worth when we bought.

it what's it. worth oh people are selling it for lower. now like 16,000 uh. 14,738 why' you guys get such an. expensive car you don't make any money. when we first bought it we could afford. it we were we were could you really but. you weren't able to get a place of your. own even then so could you afford a car. I don't think so I don't think that's. how the math works we could afford the. the payments the minimum well living at.

home were you going to live at home for. your entire. life so I don't think you could have. afforded it that doesn't make sense we. we didn't have a car when we. congratulations you got a $20,000 car. you could have got a $10,000 car yeah we. were thinking about returning it to get. something cheaper but right now yeah. yeah well when did you get this uh two. years ago you can return it right now or. not not like for free Oh you mean trade. it in or something yeah well we don't. even want to shade it your equi is what.

4,000 uh you're under 4,000 you're. underwater. $4,000 yeah we would have to what pay. back so I mean if you do that I mean. you'll and you get a $10,000 car and you. owe like. 14,000 which yes it's better but not. much and I don't think your credits I. don't think the interest rate is going. to be much better well that that that. car isn't even under our name. it's under my mom's name we're paying. for it what.

the so she would trade it in she would. transfer the title after she would have. to pay Che she said that car has given. us so many problems the transion the. transmission has broken twice is on the. third. transmission okay so it's $547 a month. how much is the carence. 450 me what is that number. dude you're spending literally half of.

your. income for this car to exist plus the. repairs plus. gas. oh. me for a. car half of the household [ __ ] me sorry. just one second that's. [Music]. crazy that's. crazy oh my gosh are we even going to be. able to make a budget at the end that. already blows up the.

budget hopefully we have something fun. planned for the Post show at least cuz. that's with that that's no fun at all he. said there's something he just doesn't. know if I'm going to like it or not okay. so clearly you guys have never budgeted. in your life we were trying CLE what. what was trying looking like we were we. were saving be like when we had our son. so not budgeting well I guess. not we're just like we're like cutting. off like a lot of stuff so we can save. that money for later but we ended up.

just spending all that because we don't. have we don't have anything to how that. expensive cuz he was under 22 or. whatever for that car and then I'm not. I'm not even on that insurance cuz I I. don't know how to drive yeah just me and. and her. mother. okay. well I need you guys we've created this. specifically like for people like you.

you need to go through our budgeting. program take the quiz but I want you. guys to do it together take the quizzes. together if you if you guys don't do. this thing. together there no longevity here no. longevity. here you guys got to do it together go. through that at the same time you also. get our new investing program as well. which means you get a free100 gift um. from Mumu which is really cool so make. sure you guys do that so yay couple.

hundred bucks is that like investing. yeah which you're not ready for just yet. but you do get it for free CU you're on. here but still okay that. CarMax money oh the grandma you yeah for. the transmission huh for the for the. work or the car oh oh you said. transmission okay oh I got an itchy eye. all the stress is leading to an itchy. ey so I a minimum monthly payment with.

this that we've agreed upon or is it. just owe it when we can yeah just owe it. when we I mean we had we it was it it. was like. 5,000 so you're borrowing money from. your mom you're borrowing money from. your grandma we're all racking up credit. card debt sometimes we're over the. credit limit we have minimum payments. we're literally not making and the part. insurance and car payment is half of the. household income this is a show. beyond measure this is this you guys.

have gotten you don't even know how bad. this is I can tell I don't think you. guys realize just how is and I think. it's is because you're just just too. young you haven't really been in the. real world too much you have the kid. which has helped you grow up and made. you grow up but you haven't experienced. a lot I mean we still have a lot of time. like we we're still yes you have time. but you're making that time so much. harder than you because you've put. yourself in a it becomes a more. inescapable hole the lower you.

go like you know what that time could do. for you could be compound growth in the. market you guys could be retiring. millionaires even with lower paid jobs. because you have so much time but. instead so much of the time is going to. be used digging out of the whole you're. in and working more hours than you'd. want to because you want to see your kid. more but you yourselves by acting like.

children go. on we we're we're trying we're trying as. hard as we can trying you trying 30. hours a week that's not trying Z hours a. week that's not trying missing a payment. that's not. trying holding on to a card we can't. afford that's not. trying going to Six Flags that's not. trying getting a $1,000 computer plus. monitors plus bull that is not trying. have you have I seen trying I haven't. seen trying nothing in in here indicates.

trying so let's look at checking account. maybe there will be trying in. here $366 on this chime checking account. HB HB HB HB some of these have to be. drinks though you're going and getting. $541 $240 which is getting. [ __ ] has to be it was like snacks oh. yeah it's for my lunch huh for lunch you. pack a sandwich make a sandwich do some. Ramen it's cheap what are you I. I'm hungry correct answer is a child. especially when you respond like that.

really you're going to this is what. you're going to allow you're going to. allow him to have that mindset you're. going to be with someone like that she. has the same. mindset I don't have her saying. that that immature dumb childish. 16-year-old brain she would if she could. I she could for snacks I I do go I I she. already does I get snacks. too going to a restaurant. going inside getting some bow and going. to a restaurant some chicken place.

twice yeah that's trying guys we're. really trying guys we're trying we're. just blowing all our. money $6 in. this line of credit this is like an. overdraft protection thing I don't even. know they have a little like credit card. with. no it's like a credit Builder card oh. yeah CH. check.

$26 well done what a. man what a. father sorry that that one was a little. mean I apologize I'm just very irritated. here I am very irritated conversations. like this really get to me you just say. I'm hungry you make a little quips and. then we're trying I haven't seen I don't. know this is this say im tury or lack of. self-awareness or just trying to piss me.

off better not be the last one. v4u it's a gas station is McDonald's a. gas. station our son really likes chicken. nuggets oh good he's a piy eater he's a. picky eater yep it's like his dad what. about grilled nuggets grilled Little. Nugget no no no no no not grilled sorry. Frozen I've made I've made them at home. he won't eat them. uh. okay i' I've never dealt with.

that like my brain is like. okay he'll eat when he's hungry that's. probably not how that works for a. 2-year-old. though I don't know I don't know I don't. have the answer for that I'm sure some. parents in the comments below there has. to be Solutions though it can't be we're. going to McDonald's to a kid first of. all I mean that's is horrible no yeah we. we well we also go cuz we go so we can. eat. too because we get hungry too oh you get.

hungry see that's the same mindset. McDonald's McDonald's steam purchase. Apple subscription Apple buy some. [ __ ] Donald's parking parking Jack. in the Box McDonald's going to the. chicken place Microsoft McDonald's. Brewings another Apple Bill another. steam purchase go inside and get into. some. [ __ ]. trying 522 in this cash back debit oh my.

what are we doing guys you're just. blowing all your money you don't make. money and we're literally blowing it all. and the death is going higher you you. you have time you're correct you're. ruining it you're destroying your. time there's more time yes but right now. is the best. time steam purchase valve valve. Airbnb McDonald's Netflix Panda Express. Amazon waterburger Marshalls BlueBell.

ice cream a chicken place McDonald's. Raising Canes the waffle Wonder wild. Popeyes Raising. Canes uh the restaurant parlor. thing this is a. joke this is. embarrassing I think you guys have. needed the show more than anyone you. need the wake up called panda Express. zaling to Dad zaling out zaling.

out you guys don't understand how dire. this is you really don't and I don't. know how to convince you I go hard. because I need people to know but I I I. don't think I can convince you I just I. see the face of children in front of me. who were willing to laugh this off and. just think it's okay I know you wanted. to come on for help especially you but I. think you guys combined is the formation. of a. infant like right am I wrong in my. assessment if I am please show me but I.

I I think you're wrong I think we can I. think we can make it work why haven't. you done a single second of work then. not not not actual work you say you say. you think you can make it work why have. I not seen seen a single inkling once I. start working it will be enough money to. pay off everything yeah buddy you've. worked before you worked a month ago. with this job with this job it will be. enough is the debt not in the room with. us right there I'd love to financially. audit every single one of you but let's. be real I just don't have that time so I.

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you right now we're talking I'm not a. magic. pill the action's on your side now well. just like we give you tools yes put some. knowledge in there sure wakeup call. absam lutely all the work is still on. your end The Sacrifice they not going. out to eat the putting in more hours. that's all on your end The budgeting. communication I don't do that I can't do. that I am not there with you that's on. your guys' end what's going to be.

different this time that we're going to. we're going to do it we're going to put. in that work we're going to put in the. effort and what's different okay and. what is different how how is that. different for one maybe we can start. cooking at home okay we can. start I don't really know that's it it's. just like the food 56 minutes and that's. what we got cook at. home okay well hopefully some other 21 2. twoy old is watching this and learning. from it then and what not to do don't.

spend your you I'm sure you guys are. Pleasant people it's not about that so. it's the money part well it's not just. we're just going to cook food at home. we're going to we're going to make we're. going to make more than just the minimum. payment because I I I've seen that it's. like oh yeah like if you if you just. make the minimum payment it's going to. be like oh yeah you're going to pay this. off in 10 years with like 3,000 in. interest that's not what I want to do. I'm paying full. okay because for for one when he starts.

working I can pay that Capital One off. completely I know if anything closes it. okay not that I don't believe you let me. play a little Devil's Advocate walk away. from here Fireland and we're. excited but three months from now are we. just as excited does that make Arch not. look nice and shiny on the way home a. bit. more since this conversation is so much. further away the same thing the same. thing with the car I mean we're going to. we're going to try our best to return it.

so we can stop return you're going to. trade it in I think and I don't know how. cuz it's under her name so you got to do. some title work like is she trading it. in I mean yeah she she wants to trade it. in CU she's like and if you guys don't. pay for it it's. her and what are we going to do again. get a $110,000 car well I mean negative. over I could get uh my brother is. selling is selling a truck and how's. that truck honestly it's it's a good. trick it's a 2007 silado okay so can you.

take it to an independent mechanic. though yeah him. firstent he is a mechanic independent is. the word that I said he is a mechanic. he's he's a like a good mechanic if is. the word independent not making it. across this table somehow what are you. talking about can you get it looked at. by someone else that is not the person. selling it just to give you the seal of. approval that it's going to be safe for. you guys and last you guys a long time. without having to he wouldn't do that. though like he's he's my brother he's. he's not going to might not do that. intentionally can we get someone else's. opinion on it like like it's a diagnosis.

for something medical maybe someone else. sees something that he doesn't he has. equipment. me I don't even he has equipment for it. he is a mechanic he knows how he knows. what he's doing he wouldn't sell me a am. what I'm saying making sense with that. [Music]. debt payments n. 15.6% went to another no just debt. payments in general 15.6% went to them.

housing. 3.7% transportation 25.8% of our. spending necessary food 11.6% bullsh. food 12.6% what's a bigger percentage 11. or 12 unknown shopping typically Amazon. Walmart in fact I recognize that uh the. Amazon charge 2.7% medical or Healthcare. 5.5% Happ there I hurt my knee don't do. that. okay I was I used to play soccer I was. big into it I was goalie um I was on the.

field for the first time one of the. first times actually and I guess I what. is it called sprained it sh done broke. my knees instead of my ankles she broke. her knee you broke it I sprained it. someone someone Jed her and her knee did. not go the right. way okay and but I guess that also saved. me money because I would go and spend. you have to pay to play. sure so it was like a random field with. friends sure no it's it's like it's like.

a official field yeah yeah yeah yeah. yeah subscriptions. point4 miscellaneous [ __ ] you really. don't need an additional 99.7% of the. large purchases. 12.1% I mean the spending's a joke. it's total payroll that came in was. $1,844 that's what hit our account. practically nothing to be completely.

honest just in the world of income I. mean I like I again I'm not trying to. income shame but just. realistically okay but what do we think. went out total spending including debt. increasing what do we think. total little collaboration like. communication for the first time 25. 2500 uh how about 4,000. ooh but only 1,800 came in for money so.

more than double went out that's not. sustainable 's not on your side time's. not on your side not with that we just. got to wait until until the money comes. in basically that's that's really. it it's just a waiting. game and then I'm I we we're patient for. right. now well guys honestly with that mindset. I don't think I can help and I mean I. have shown and demonstrated through here. that it's the spending it's the. management that is the issue the income.

is a certain part of. it you think you guys actively going out. and spending and increasing debt and all. that stuff by two times your income is. going to be fixed with income no cuz. your behavior won't have changed you. guys just unlock more to spend hey I. don't I don't think so man I I think. that's kind of a delusional take that. you have I'll be honest honest there was. some D there going on there it's not.

just our finances that we need to get in. order it's our our. lifestyle our health we we don't even. have money to go to the doctor yeah we. need to get checked out and why is that. guys cuz we prioritize our food over our. health well there's something your mom's. calling. you maybe you should answer it and tell. her how you guys are done being up. when do you guys want to move out I mean.

I don't okay hear me out I'll be honest. that sucks cuz I'm sure you guys love. each other I'm the kid all that stuff. what you just said actually had some. like reason behind. it you've bull quite a few times and. have given me objectively wrong. responses I'm a little nervous that. we're not on the same page going into. this sure we want to get to the same. ending but how we get there I think's a. little different and I think that's. going to cause strain in the. relationship and I think it's also going. to our finances even further if we're.

not 100% aligned on what the budgeting. is I think we're going to make it I hope. so I think we'll make it I mean as you. said like this is a good wake up call so. like we're going to I mean we we've. tried to get better like by ourselves. but we just end up like on on the same. page like with the food like we we St. then when we would like home prep our. meals and stuff but then like it just it.

was just easier yeah it was just easier. to just get food if that's what you guys. got from. this then okay if a wakeup call is what. you're walking away with at Le at least. it's. that does your mom speak Spanish she. speak English sorry can I can I talk to. her yeah you live with her right yeah. her. yeah do you want to call her if if you. think she's down we should ask her. permission first but do you want to talk. to the guy that we're.

interviewing do you want to talk to the. guy that we're interviewing I'm being. interviewed oh that that is interviewing. us do you want to talk to the guy who's. interviewing. us no that's okay um was yeah. almost it's okay don't. pressure just to talk about how I gu. it's okay no she she said why just like. I guess how two questions I want to ask. her on two questions she just hung up on. me.

no I do have a fear you guys are. potentially also being enabled because. you don't need to work or budget. because I don't think living at home is. wrong by any means live at home for. however the long you want you know it. depends on the culture that it doesn't. really matter to me more my thing is in. our culture is you can start seeing some. potential enablement and because you. guys aren't following the traditional. path of most Americans you know moving. out a little earlier and again you know. the kids with the grandparents you. there's some good things here I feel.

like you guys also feel like you don't. have to work and I think that is kind of. you guys a little bit because you are. working less hours than you should to be. clear so in general I'm just I'm just. curious on that and that's what I wanted. to ask her I can't assess that fully I. don't know but it's a potential thing to. consider okay Hammer Financial score. spending in a budget was ridiculous it's. a 0 out of 10 you're [ __ ] going crazy. and you [ __ ] spent double what you. made debt crazy thing the car is bad the. car is going to bring it down other than. that it's really not that bad it's.

manageable any person working most any. job can pay off all that debt except for. the car debt really damn quickly really. damn quickly you guys aren't we're not. even making the minimum through payment. sometimes on time debt two out of 10. that car really brings it down cuz. that's insane for your income situation. it's not even it's crazy you said $ Z in. savings yeah yeah emergency fund zero. anything in retirement. losing all that compound growth time 0. out of 10 real estate 0 out of 10 cuz we. live at home so I'll be generous Hammer.

Financial score 0.5 out of 10 not a 5. out of 10 five out of 10 make sure to. check out all the resources Linked In. the description below is there what I. use or would use in specific situations. including the best budgeting class and. the best investing class that you can. ever get online that we spent months and. months and months building out it's. they're really incredible check it out. now stick around for the Post show. ladies and gentlemen today on the. financial audit post show that it be fun. to do some prank calls call a karate. studio asking about enrolling your son. in karate lessons you're trying to train.

your son to become a bully I'm just. calling to check if you do children. training or children fight you I don't. want him to fight his teachers but I. want him to be able to if he needs to. I've even considered putting him on. steroids to be completely honest things. are not going well at school I'm not not. really sure how to answer that to watch. the financial audit post show click the. join button below.