He Treats His Wife Like A Dog | Financial Audit

My wife wants a raised in her allowance. Is she a child? >> She gets $200 to pretty much do what she. wants with. All the bills are paid. >> Buddy, I'm sorry. [laughter]. >> The bills are paid. Why can't one person. be okay with taking care of finances and. one person? >> And why are you incapable of saying any. of these words without him saying it for. you? >> We talk. I mean, we we. >> really or do you talk? >> He has the job. >> So, >> there's nothing I can do. I can't. >> You can't have a conversation. You can't. have a conversation with your husband.

Black Friday starts now. Master Your. Money, my all-in-one personal finance. membership is finally live. It is every. single course I've ever made, exclusive. content, and a membersonly community. Click the link below and become the. member of the best money membership on. the planet. I'll see you inside. >> Hi, I'm Shayla. I'm 25 years old. >> And I'm Cooper and I'm 27 years old. And. we're from Tyler, Texas. >> And this is Financial Audit. >> Taylor, Texas. Right. Tyler Tyler. Oh, oopsies. Tyler, Texas. Okay. Well,

welcome in, guys. Thanks for coming down. to Austin. I really do appreciate it. I. like to go into these blind with the. audience, but I glanced over as you guys. were uh, you know, doing a little intro. and the one note I saw here was, "We're. on. because. my wife wants a raised in her. allowance.". >> Yeah. >> Is she a child? What the [laughter]. what? What are we talking allowance?

>> What? What? What are we. >> That's just what we call it. So, >> okay. >> So, we're a single income household. >> Is that you? >> That's me. >> Okay. >> I work. >> What do you do? >> I'm a lineman. I build power lines. >> That makes money. Yes. >> I've had many people on the show that do. that and it makes money. How much do you. make? So, I just got fired. from a job. Uh, >> a job? Are they contract based? >> No, no, no, no, no, no. They're they're.

W2. >> So, you got fired from your job? >> Yeah. So, I got fired from my job. >> So, >> fired? Not laid off. >> No, no, no. Fired. So, moral of the. story is how how the lineman industry. works is if you mess up, it's over. like. there's no second chances. >> Well, yes, that seems like a very. dangerous place to mess up. >> Uh, so it's one of those things where I. >> It wasn't technically me who messed up,

but it was my crew that messed up. >> Uh, was the entire crew fired? >> Yes, the entire crew was fired. >> The entire crew was fired. >> Yes. >> Because they couldn't pinpoint. >> Nope. >> Because of one flaw. >> for from one flaw. >> Based on what I just got typed, sounds. like three flaws. Well, yeah. We It was. three houses. technically. >> Three houses that. >> three houses that got blown up. >> Uh [laughter]. so. >> yeah, >> pretty much how it works is we had a two.

I know this going to be Chinese, but we. had a Tupac bank. We were. >> Chinese. >> You don't do it, so you're not going to 100% understand. what I'm telling you. Okay. >> So, you take We have two transformers. and we got to hook them together. >> Uhhuh. >> All right. >> I understood that. >> Well, [laughter]. so you have quad plex, which is four. wires. >> That's quad. Yep. >> That's quad. Yep.

>> Okay. So far, not so Mandarin. >> Okay. So, you have to tape all the You. have to tape them by each color. So, red, white, blue. >> Now, red, white, and blue is. complicated. I almost didn't get that. one. >> Yeah. Yeah. So, red, white, blue. So. then you cut them and fill them back, take the transformers down to put them. back up. Well, that's all easy. That's. the easy part. Well, what they didn't. tell us was we were taking a two bushing. transformer and changing it to a one. bushing transformer. Well, when you do. that, your polarity is off. You got to.

change all that stuff. >> Why didn't they tell you? Wouldn't the. person get fired who didn't tell you? >> No. No. It doesn't work that way. >> Okay. Now, does this make it hard for. you to find another job since you blew. up three houses? >> No, no, no, no, no. Oh, good. >> Well, that makes me feel really good. when I [laughter] see people working on. the lines. >> No, no. Uh, >> great. >> So, how it how it worked out was the. three houses got blown up, the foreman. got fired, the lineman got fired, and. the rest of the crew got fired because. it falls on the foreman.

>> Uh-huh. >> Because it's the foreman fault. Foreman's fault it happened anyways. >> Well, was he the one who was supposed to. communicate? >> Yes. >> Oh, so the person who didn't communicate. did get fired? >> Yes. Everybody got fired. Good. Yeah, everybody got fired. So, what should. have happened? What should have happened. is. when we swapped those pots, you got to. you got to swap the H bushings. Well, that did not happen. >> Okay. >> And what should have happened is we. should have pulled all the meters to the. houses, cut it on, check voltage. That's.

what should have happened. >> Why didn't it? >> Because my foreman did not want to do. that. >> Didn't want to. Didn't you guys want to? And you're like, "Hello, Mr. Foreman, please." I I was trying to convince him. to say, "Hey, we probably need to check. voltage before we do all this.". >> And they like actually like didn't like. >> Oh, yeah. No, a fan was sparking. Uh. light bulbs were electrical. >> Yeah. Light light bulbs. >> They didn't like blow up in flames. >> Light bulbs were blowing up. >> Oh, yeah. Just electrical. >> Just everything inside the house was. exploding. >> Oh yeah. Uh we found out the next day.

that a house was full of smoke because. of their dryer. Was anyone living there? >> Oh, yeah. >> Yeah. >> Okay. >> So, after that, so I I went and met with my boss's. [snorts] boss. >> Oh, he sounds like Hank Hill, doesn't. he? [laughter]. >> Oh, now I can't I'm going to hear it. And. >> I met with my boss's boss and. >> Oh, [laughter]. >> pretty much he said, "Hey,

this is the story we're getting told. We're told that nothing was taped up, blah blah blah blah." So me and him got. into it a little bit cuz I was like, "Dude, if you go out there right now, you'll see red, white, blue tape on. everything." I said, "But I didn't put. it back together, which is another. reason me and my former got into it. I. took it down. I taped everything up." He. put it back up. >> Well, how long were you working this at. this job? >> How long was I here at this company? >> Yeah, at that company. >> Two months. >> Yeah. >> 3 months. >> What What was before that? >> So, I worked at Shelton before that and.

I worked there for two or three months. >> And what happened? I drug up there to go. to a line tech cuz they paid more. >> Okay. And then he got canned. >> And then I got canned. And then I was I. was fired on a Thursday and I had a job. on Monday. >> Well, that's good. I mean, yeah. Obviously, the industry is in very high. demand. That's why the the pay with it. is sub so substantial. Yes. You know, so. it makes sense. I'm a little. >> concerned that it is a mandatory firing. when something goes wrong, but you can. easily immediately get a job. Yes. Seems.

weird to me, especially when people were. living in these houses. >> So, >> um, >> everything got paid for. Everything got. replaced. I'm sure. No, no, no, no, no. Our company paid out. of pocket to fix all their stuff. >> You don't think your company has. insurance for things? Probably do. Yeah. Well, okay. What were you making at this. job? >> Uh, I was making 48 an hour and $150 a. day per day. >> Okay. Okay. And now. >> now I make 46 bucks an hour and zero. production. >> How does that how does that translate?

What hits per paycheck and what's that. paycheck cycle? >> Uh get paid every two weeks and that's. roughly $3,000. >> Okay. 6,000 bucks a month. What was it. before with the predium and everything. included? >> 13 12 or 13,000 I think. I think. >> good. >> We were making like 20 2200 to 2,300 a. week. So, income cut in half and you're. asking for a raise. >> for fun money or something. >> Yeah. >> Yeah. >> Mhm.

>> Tell me about that, please. Income just. got cut in half. >> Well, not so much anymore. I'm not. asking for a raise. >> So, you were right before. >> Well, yeah. >> What happened? >> He was making more money. >> and you were like, >> "Money, please. >> Money for me. Money in my hand.". >> Yeah. Why is it a set amount that she's. getting? Why what how is how's this. dynamic in the house? >> This dynamic has been. >> so before he was at the two companies. that he just was at.

>> He was where he's at now. >> So he started the year where he's at the. company he's at now. I don't we don't. want to say the company. >> No, don't say the name. It's fine. >> The company that I'm at now I've worked. for I worked for a year and a half. >> Well, that's great. But what's y'all's. dynamic with money? Okay. So, when we. got together, I was a peeon at a company. doing the same thing I do now. So, we. were making no money. >> Okay. >> So, kind of like where we are now. I've. worked my way up into a better position.

making more money. >> The numbers always been the same. >> What? What? What? What? What numbers? >> 200. She gets $200 a week. >> and nothing like. >> there are done. >> so far as groceries, all that good. stuff. I cover all that. >> Oh, >> I cover I cover all the bills. >> and she gets $200 to pretty much do what. she wants with. >> Are you guys married? >> Yes. >> How long? >> Uh, this year will be three years. >> Yeah. Coming into 2026.

>> Plus, there are conversations around. money. Are there? No. >> Do you even know what's happening? >> Do you want to know what's happening? >> Why isn't it important important to be. partners? >> So, this is my philosophy. All the bills are paid. Everything's. taken care of. >> Buddy, I'm sorry. [laughter]. >> The bills are paid. >> I guess, you know, basically, you know, when people don't say the bills are. paid, they actually aren't usually the.

ones that have missed payments. And then. people that say the bills are paid are. usually the ones that have missed. payments. We'll see if you follow the. trend. But this is crazy. >> This is crazy. This qualifies in the fat. stack week that we've done twice now. This is legitimately crazy. >> So go ahead with your philosophy, please. >> She's never had to worry about anything. EVERYTHING'S ALWAYS. >> ARE YOU WORRYING NOW? >> NO. >> NO. HOW? How are you not worrying? This. is the roof over your head. This is. utilities. This is food on the table. This is your future. This is retirement.

Bills are paid. Bills are paid with debt. going up. Oh, we need to add an income. to that. >> How? >> I work for my dad on Fridays. I work. Monday through Thursday and I work for. my dad on Fridays. >> What? What? What is that job? >> Uh, a ranch hand. >> What do you make? >> Like $23 a week. That's after taxes. >> 203 a week after taxes. I think it's. >> 52 divided by 12. Okay. So, an extra. 880. So, 6,880. >> Yeah, that sounds. >> okay. That's your new monthly income.

That's great. Uh, but I I'm confused why. we again the the the the philosophy of. >> ever since we've been together, even. when she had a job before we had kids, uh, still I've always taken care of. everything. Now that. >> that's good. Why don't you want a. helping hand or. >> It's not that I don't want a helping. hand. She has full access to everything. If she wants to know, she's on every. every bank account. She can look. Why. don't you want to know what's your. what's your philosophy then around all.

this? >> He just takes care of everything. >> Good. I'm talking about why you don't. want to participate or be knowledgeable. >> I don't. >> That stresses you out. But this doesn't. cuz this isn't This is No, no, no. You. have to remember I film four of these a. week. >> I feel like when you look at the total. number, it doesn't look that bad. >> Very good. What's the total number? Not. [laughter] you. >> Come on. Guess you think around where do. you think we're at based on just the. little insights you've picked up. >> Debt number. >> Yeah, total debt. >> like maybe 40,000.

>> It's $26,941. which honestly doesn't even match up. with how thick this is, which means we. have a ton of individual debts and a lot. of chaos in here, which might be worse. or better. I don't know. But I'm. thinking worse with how thick it is. I mean, guys, we know what comes in. And we were paid a little more, you. know, cuz I think you got your previous. payroll at the month we're looking at. >> probably about 11 hit.

>> He's taking cash app loans. >> Yeah. >> Yeah. >> You know this. >> I didn't know that. >> And that doesn't make you feel stressed. >> I mean, it does. >> Then what the are you going to do about. it? >> You have agency. >> What is agency? >> Are you able to advocate for yourself. for you guys? Are you able to stand up. and have an opinion and have a thought? Then what are you going to do about it? >> I hope he pays it off and doesn't do it. again.

>> Well, that sounds like a great hope. except [laughter] I hear you guys want. to buy a house in a couple weeks. So, >> what the [ __ ] are we talking about? This. is not a place where we get a house. 11,000 came in last month. >> Out. 13,000 or sorry, out 12,593. 11 came in. spent 1,500 more than came. in and we're getting a mortgage. >> Yeah. >> I I'm concerned with your lack of.

willing. to be a participant. You're a partner. I I don't need you to manage him. I. don't need you to tell him what to do, but to be involved. Maybe you bring a. different perspective and that's, you. know, in a healthy dynamic. You can have. a conversation. He can bounce things off. of you. You guys strive to achieve goals. together. Maybe you can't be a single. income household with the mess you guys. have gotten yourselves into. Maybe you. can't. >> We do that to a certain extent. Like if.

there's a big financial decision that. has to be made. We talk about it. It's. talked about, but. >> Okay. But she doesn't have the context. of the overall situation of which we are. making a decision in. >> No, but she doesn't want to know. >> I know. And that's the issue. That's. huge. >> Why is that an issue? Why Why can't one. person be okay with taking care of. finances and one person. >> and you're not being held accountable? There's no accountability here. And. you're dragging her down and she's.

accepting it, which I don't understand. It's self-destructive. >> Feel like we both. share the accountability. She's not. willing to be a part of the. conversation, which I guess. >> after you get through the through the. statements, we kind of both. self-sabotage ourselves. >> What do you mean? I I thought she got. 200 bucks a week. >> She does, but she also has affirms and I. have a firm. >> Why are you going to de into debt if. you're getting $200 a week? >> I don't know. Cuz you can buy more.

>> I know, but you know you're getting $200. a week. >> Yeah, I I manage my $200 a week. >> And sometimes. >> Do you if you're going into debt? >> Yeah. Well, sometimes on those affirms. too, it's like, well, her credit was. better than mine at the time. So, like. the Betty's we got for our bed, >> okay, >> that we had to have that, >> okay? >> Uh, so I pay that payment. It's on her. affirm, but I pay it. So, she'll say, "Hey, the Betty's is due this week." And. I'll send her the extra $50.

>> You'll have to look it up. >> a week. Yeah. You'll have to look it up. It's the best thing ever. >> It's vetting. >> Uhhuh. Okay, that's great. Well, we're trying. to get a house now, Taylor. It's pretty. cheap. I have the house you're. considering buying. It's not that. expensive at all. No, >> but are you guys in a position where we. can even consider getting a house? I. don't know if I would suggest so. >> It's like you you're only getting worse. in debt. What? Okay, $200 a week is what. you're getting. What were you trying to. The only advocation you've ever done for.

yourself is asking for more instead of. knowing what the total of the financial. situation was of what you're trying to. withdraw from. But what were you trying. to raise it to from 200? >> Like 300 a week. >> Okay. >> Not much more. >> And what were you going to do with that? What was the difference? Well, you guys. are trying to get and again when we're. doing the h when we're doing the. finances together, that means we have. aligned goals that we're trying to get. to. And we do everything we can together. to get there. And that means making the purchasing.

decisions in our lives based on that. those goals and you raising to 300. might not. might not be beneficial. >> So that's why you should know where you. are. No. No. I mean the reason it's so. cheap is it's a manufactured home. >> Oh, for sure. >> But why are we doing that? I'd. appreciate an asset. It's not really. what I'm trying to get into. I know I. think your mom gifted you an acre, right? >> Yes. >> Okay. Well, that's good. So, uh, that's.

appreciating now with a brick and, uh, natural physical home. So, >> we could go up more, but. >> we were talking about doing a, uh, a. barnaminium. >> first. >> I don't even, Dude, you're just throwing. words. >> You don't know what a barnaminium is? >> I live in society. >> It's a society place. It's a house. It's. a metal It's a metal building. It's it's. a essentially built from uh sheet metal. >> and and I live in human houses but.

>> well that is a human house that's like. the big trend. >> The big trend. Okay. I mean it's called. barn but. >> so we [clears throat] were going to do. that but with me changing direction in. career. and her going into the field of. what she wants to go into. >> So you're going to go into a field. She's finally gonna do something for. parallegal. She's studying to be a. parallegal. >> Okay. And what does that look like?

>> Like when do I graduate? >> Yeah. When are you done? What are you. doing? >> I have my associates in May of 26. >> Okay. And this is what you want to do? Parallegal. I could see I listen. It's. full speculation. No one can guess what. the horizon looks like when it comes to. AI, but I feel like parallegal has to be. one of the first ones to go. >> for what paralleal. >> to get rid of parallegals. Yeah, cuz. this is going through documents all day. If I can do literally one thing, it's at. least that. >> Yeah. >> And then I'm trying to get out of my.

field to go into project management. >> Well, why? >> I'm 27 and my body hurts. >> Ah, yeah. It is very physical. But what. kind of project management? either. construction project management or I I. kind of want to stay in the field I'm in. and I can work for the same companies I. work for now as a project manager just. running jobs. >> now I still don't understand why we're. trying to get a manufactured home. something we know goes down in value. >> we don't know where don't buy. >> well it's cheaper for us to buy.

>> temporarily temporarily. >> well yeah but we can always. >> you don't know longterm yes depreciating. and I know you wouldn't sell an. apartment but Even still, longterm, you. don't know what repairs are going to. come with it. You know, getting. everything hooked up utility-wise and. whatnot. >> Oh, no. I I'm probably The only thing we. have to pay for on that is for them to. run the wire from their pole to my pole. and I do everything else. >> Well, what's the Well, it's $120,000 an. hour manufactured home. How is that more. How's that cheaper than rent? >> Uh, you're talking monthly payment.

>> Yes. You pay $1,600 a month in rent in a. th000 square foot. >> where we're at. There's not not much. >> Yeah. There's not much to choose from. Like, >> okay. Now, anytime anyone's ever said. that, I look it up and yes, there is. >> And you can probably find cheap. We. looked at cheaper. I think it was 1,200. and it was a rat's nest. >> Mhm. >> And I'm not going to put my kids. >> No, I wouldn't say that. Oh, you have a. kid. >> We have two. >> Whoa. What are the ages? >> Four. And is going to be two next week. >> And we're going to put them in a. manufactured home.

>> Yes. They're not bad. I mean, a. manufactured manufactured homes have. come a long way. >> They They have. This is usually where. they are aren't the best areas, but I. know you're on your own land of an acre. >> It's our first home. We're not trying to. do anything crazy cuz like I said, >> yeah, but you're locked into a large. loan where rent is not a large loan. >> I know, but. >> this not you you're suggest that this. gives you flexibility when you don't. know what you want to do in the future. when this actually locks you in more. Well, it it gives us flexibility in the.

means of we can sell that home even even. if we sell it. >> But yes, >> say we live in it, >> but then you owe the rest of a debt. >> Well, say we we plan on living in it for. 8 years. 8 n years. >> Sure. >> Figure out where we're at in 8 n years. >> Kids walking around and. >> Yeah, I know. >> Uh-huh. [laughter]. >> Sell the house. >> and then we can go find something else. >> Yes. But you still owe the rest of the. debt and you're going to sell it likely. at a loss. We could rent it out, I'm. sure. >> Yeah, we could probably rent it out. >> Yeah, we'll see what the rental market's.

looking like in that. And I don't know. about if you guys are following market. trends in Texas, but rent is down in. Texas and Florida cuz we actually build. That's not the thing. That's not what. I'm relying on. There's so much land to. build. We will build. We're going to. build at some point. >> Well, that's not what I'm Look, private. student loans can make you feel like. you're one mispayment away from selling. your grandma's heirlooms. We miss you, Grandma. Why? Refi says, "Chill out. No. more sacrificing the family jewels. They.

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savings, all in one simple dashboard. Everything you need and nothing you. don't. And when you download Dollar. today, you'll get a try for free, plus 3. months for just $9.99, so you can. finally take control and see what your. money's been doing behind your back. Click below to get started. That's not. what I'm saying. I just wouldn't rely. You guys are locking yourself in. I. don't understand why. Rent gives you. flexibility. It's a little more. expensive up front, but it's going to be. save more in the long term and it's. going to give you more flexibility, which I think is more honestly worth it. at this point.

>> Another reason we're doing that is we. have two boys. These boys have to have. somewhere to roam. Our oldest has a. four-wheeler. >> I do like that idea. >> So, our oldest has a four-wheeler. We. They have 30. So, we'd be moving. >> But are we getting into a debt just for. that when we don't know where we want to. end up? I guess technically. >> why did she gift you that acre? >> We've been talking about this acre for. like a year. They're like, "We'll give. it to you." And we're like, "Okay, we'll. build a barnaminium." And then it just. kept going back and forth, back and. forth. And then me and her just decided. one day that we're ready to do this.

Like. >> why did you have a random acre? >> No, they have 33 acres. >> They have 33 acres. So they just gave. you one. >> Yes. >> Yeah. So we. >> we chose what. >> they're trying to help us out in the. market that we're living in. And with. one income, it's kind of hard to go. unless I'm working my butt off like I. was at Line Tech, not getting home till. 9:00 every night. >> It's It's kind of hard to go buy a nice. house. >> So, >> okay. What are you going to have to put.

down for this 120? >> No. For So, it's a land package. We have. to have a well drilled. So, they're. putting that into the loan. So, we're. going to use the land as collateral. >> Why? Why do you want to do that? >> That's the only way they'll do it. They. won't do. >> the only way. They won't allow down. payment. >> They will not. >> If we do the well, no. >> Yeah. If we do the well through. >> What's the well costing? >> $25,000. >> Dude, you made, as far as I can tell, $180,000 last.

year, and I'm not really seeing anything. to show for it. I'm really not. And yet. we're trying to get into a depreciating. asset. I appreciate the one acre. Is. that you have the deed of the one acre? Is this all official? That is good. >> Um if it wasn't attached to the acres I. already had, I would say just sell it. and pocket it and move on. But. >> that was one stipulation between me and. my parents. >> Well, it's fair. It's attached to. theirs. I mean, I wouldn't sell it. anyway now. Now that I know that. Uh. okay. Now, how are we affording to go through. school? >> Uh FASA.

>> That makes no sense though. You guys, you made so much money last year. >> FASA and then we're we're cheap town. doing making incredible money with a. rent you can easily afford. Now your. income has gone down. Cashful school. easily should be investing. Your. investing should be absolutely crazy. right now. It's not. Listen, here's what. I got. Here's my total savings. I see. cash F1 $382. Cash F2 $2.67. BOA Bank of. America $140. Bank of America 2 $825.

Buddy, you made so much money for years. There's nothing to show for it. And we. could have been cash flowing school. Instead, now we just have even more. debt, more risk over our head, and we're. going to get into a depreciating asset. This makes no sense. >> I've been making I think I made the year. before that 200,000 and we have nothing. to show for it. >> Yes. >> Why you think we're here? We are. >> Well, then listen to me. I wouldn't get. a DEPRECIATING ASSET. HOLD ON to the. acre. That's fine. It'll continue to. appreciate. rent. Keep the flexibility. Once you know exactly what you want to.

do, if you want to build on that. property, if you want to move to another. city, who even knows? Once we're more. settled down, she's in her career field, then let's make a more permanent. decision. Keep the flexibility of rent. Don't get this collateral loan on an. acre that you got gifted. What's the. acre worth? What's it valued at? >> Like 20 25,000. >> So, it's 100% being taken as collateral. >> Yes. >> Do not do this. Do not do this, dude. What are we doing? No, no, no, no,

no, no, no, no, no, no, no. Cuz you can. get a home builder's loan at some point. if you want to build on that lot. >> We got 100% and we've we've thought. about it. >> Let's think about that in a couple. years. Look where we are. We're got to. start getting these documents. So, we'll. be here for the rest of the day. There's. a home in your town to rent for 927 we. found. >> But what does it look like? >> I don't know. But it's just like the. flexibility that like I mean we. immediately just found that like that, right? Like it ranges.

um. >> does it have. >> all over the place? It ranges all over. the place. You guys are certainly above. it appears to be the median in the area. Like you don't need to be. >> doing where we feel safe. >> Okay. Tayloring Texas. Listen, >> it's not it's not the greatest place in. the world in some parts. >> It's Taylor, Texas. I know if you see. someone slightly more tan than her, you. start drawing your gun. It's not that.

dangerous. Like I I don't know. Tyler. Tyler, not Taylor. Taylor's the one. close to Austin. >> Yeah. [sighs]. >> But still, okay, let's start getting into this. Listen, and again, your entire. philosophy is just wrong. I need you to. participate. I'm not saying make. decisions, but you need to be informed. when we're you need to have shared. goals. Retirement should be one of them. Home and ownership can be one of them. And you have to make the decisions you. are doing, the spending you're doing, the debt you are getting, the allowance.

you're getting, which we shouldn't even. be doing. I don't even know. We have a. combined account where we're allocating. certain money to different things. We're. doing it together. >> Well, we are kind of. >> She's not. orbiting big stuff. motorcycle for instance. >> Yes, you talk to her about but she. doesn't know the entirety of the picture. to make an informed decision or have an. informed opinion on that question. >> Yeah, but she doesn't need to as long as. >> she does. Cuz if you guys have aligned. goals, then she could be like, hm, does.

this interfere with the aligned goal. that we have based on the entirety of. our current financial situation? Yes or. no? Oh, she doesn't know this. She can't. answer that. She doesn't even know what. the goals are. Whatever. Do whatever the. you want would be her answer. cuz how. could she be informed? And this is more on you than him anyway. cuz you're just not doing it. You're. just being lazy. I'm going to go 3 2 1 points on points. I want you guys together to give me what.

you think your household. financial score would be. 0 to 10. Zero. being the absolute worst. 10 being the. absolute best. Okay. >> Okay. >> Same time. 3 2 1. >> zero. >> Okay. She thinks you're Why do you Why. do you think she thinks you guys are. doing a little better? >> Cuz the bills are paid and everything's. [laughter] kind of taken care of. We've. Our water still turns on. We still have. lights. Our phones still work. >> That shouldn't be a brag when we brought.

in $160,000 last year. That's what we're holding on is like. we're doing well. >> No. Well, no. We're doing terrible. because we should have at least a h. 100,000 in a savings account with as. much as we make compared to our bills. >> To be on track with retirement, I'd say. uh well, with where you guys are today, about 80 to 90,000. >> Why do you think we're at a zero? >> I know. I probably agree. If you want. your hammer financial score, make sure. you take the assessment for free at. calebammer.com. See where you stand in.

the world of finances, where you're. doing horrible, where you need to. improve, and what you need to do to do. it. And if you don't want to be like a. guest who ends up on the show, make sure. you download my preferred budgeting app, the Dollar Wise budgeting app. New. features added every single month. It's. incredible. Tens of thousands of people. are subscribers and they are changing. their lives. And you can too at. dollar.app. Take your free trial and if. you like it, sign up for the annual. version. When you do, I will send my. budget friendly cookbook to you signed. by me. And it also saves you a lot of. money when you go annual as well. But go.

get your free trial at dollarwise.app. Let's get into these finances because. we'll be here for a little bit. I have a. feeling this looks like a firm to me. >> Who's affirm? >> I think that's mine. >> I say there both of us have one in. there. >> H. >> I said both of us have affirms. >> Yeah. Okay. So, his affirm. Why are we. affirming Walmart at your income? Uh. >> why are we affirming Amazon at your. income?

>> The Amazon was her computer for school. hers. Why couldn't you cash flow that? >> Cuz we didn't have the cash at the exact. time. >> I don't remember. >> Okay. And Walmart? >> Walmart? Yeah. Uh, it's a grill. >> Huh? >> It's a grill. >> It's pit boss. >> Okay. Did you not have a grill? >> Yes. >> Yes. But I didn't have a different.

grill. Uh-huh. >> It was great. The. >> critical when we have no retirement, no. savings, and we want to do things. together like get a house and retire and. have a dignified life so our kids don't. have to take care of us when we're. older, which you'll do, by the way. That's what you're setting them up for. Delaying their lives when they're about. 10 years older than you. Because mommy. and daddy never sacrificed enough to. have enough retirement. All they have is. their acre with who knows what on it.

Pull up your Amazon for me. I want to. take a look. Take a little peek. What's on the ranch? >> Deer. >> And you take care of the deer or you. kill them? [laughter]. >> Both. >> You pet them? >> No. >> No. No. >> They're really cute. I was going to say. I I was going to say we would do a trip. up there if we could pet some deer, but. >> I mean, >> it's for hunting. It. >> It's for hunting. They sell deer. >> Hunting ranch. >> Oh, that's fine. That's fine, too. This. is not as exciting to me.

I keep getting pet deer on my shorts. Okay. Uh well, this is in the cart. This. isn't even purchase, but he has a. knitted blazer, >> a some kind of construction hat, some. pants. I assume he has none. >> Tool set. I'm sure he has none. Socket. holder. I'm sure he has none. Bucket. work center hardware tool pouch. I'm. sure he has none. I'm sure you have none of this. Just.

like your grill. Another tool set. storage for $200. And then tool bucket. trunk for $75. >> What the? >> It's none of that. >> It hasn't been purchased. >> Yeah, it's in your cart being ready. >> It's nice. It's a nice stuff to have, but it hasn't been purchased cuz I can't. afford it. >> Uhhuh. And then on here, Magic John two pack. iPhone. Okay. Okay, phone case. That's. fine. Men's silicone rings. You got ton.

of rings. >> Well, yeah, I constantly. >> He goes through them a lot. >> in his. >> Maybe get. >> He can't ring. >> Oh, okay. Okay. Okay. Well, I can vibe. with those. The things in your cart are. absolutely stupid. Pull up your affirm. for me. Okay, so yeah, I want to see. Okay. So, it looks like the payment, which is this monthly or bi-weekly?

>> Monthly. >> So, your minimum monthly payment for. these is $5667. Stupid, man. It's stupid. I don't You. should not have to affirm in your. situation. You really don't. And if. you're Okay. Well, let me take a little. further look at this. Yeah, there it is. If it was 0%, I'm.

chilling with it cuz Okay, whatever. He's deferring his money. Maybe the. minimum payment thing is stacking up and. it's not that healthy. But either way, whatever. He has the income to pay for. it. If he's finessing, THAT'S FINE. NO, IT'S A 36% INTEREST. HEY, do you know. that that is bad? >> Yeah. >> Yeah. This is why she should know what's going. on. Accountability is not a bad thing. reasonable accountabilities. and that's reasonable.

Would you question him if you knew this. existed? >> I knew that firms existed. >> at a at a 36% interest rate. >> I feel like that's pretty normal for a. firm. >> Yeah. >> She's okay with it. She's okay. This is. Oh, okay. So, she's a weapon. >> A weapon of a tool. She's just going to. enable you forever. She She thinks everything's good and. normal. >> No. No. >> What? She just She's not concerned by. any of this.

>> She just goes with it. What if you're. injured? I know you can go find a job. easily when you got fired, but what if. you got what if you were injured? >> Then I would work from home doing. something. >> for a lot less most likely cuz your. skills would not immediately translate. or your resume. >> Yeah. >> Listen, I'll get you that uh. construction project management. certification to course careers. So, I'll get you that for free. A lot of. people in the audience have used it and. they got into the field and they're. making killings. So, I'll get you that. one for free. There's a lot of trade. certifications and tech certifications.

there. Uh, so I I I support the switch, you know, do this while you can, but. draining our savings to go to. Galveastston is. >> our kids haven't been we haven't we. didn't take a vacation the year before. last cuz I was gone on storm for 158. days. And that's a big problem for me is. because. >> No, the big problem for you. >> Well, listen. I get to go to New York, Virginia. I get to go to all these. places. for work. >> No, I know. But take THEM BECAUSE YOU.

TAKE THEM ON A MOBILE. >> I I I can't take them on work. >> No, not during work. I'm saying when you. go on vacation, go to New York. Don't go. to Mobile. >> Well, I'm I feel bad because she sits at. home and takes care of our kids. >> I agree. So, take them somewhere nice. You went to Mobile in Galveston. >> We had no money at the time. That's our. problem. We get these big drain your. savings. I wouldn't have done anything. anyway. >> We get these huge paychecks that are 10. $5,000 to $10,000 check. >> We go to Six Flags. >> and then we go blow. >> Six Flags is cheaper. >> We're for the kids. You Ted. It's not. for you. >> They're four and two.

>> They're not even tall enough to ride the. Ferris wheel. >> Uh yeah. Then go to like water park. >> We do Splash Kingdom. It's. >> We went to Graville Lodge, too. >> Yeah, we went to Graville Lodge. >> Grad at least go to Kalahari. did that one. >> Oh, >> I don't know. I don't know. I wouldn't. be spending on any of this, but if. you're going to at least do a What are. we doing? Kill me now. >> It was pretty. The water was was clear. >> It was when we went.

>> Yeah. For once in his life. >> I mean, it wasn't Hawaii, but. >> maybe that's. >> it was way cheaper than Hawaii. >> See wind. >> usually correlated. >> Yeah. By the way, so this is your. affirm, I take it. >> Yes, that one is mine. >> Hold it up for me. You guys have separate Amazons? Yes. >> No. Do we? >> What do you mean separate Amazons? Separate Amazon accounts? Yeah. >> Oh, yeah. Yeah. Yeah. >> Why'd you say no? >> Cuz she's on my She's on my Prime.

account, >> but different accounts. >> All right. Well, let's see. You're a. firm $1,5521. Looks like your minimum is. Oh, [ __ ] These payments are insane. We. got We got Target, The Buckle, Amazon, Amazon, Dive Bomb Industries. Is that. Betty's ticket master and Airbnb? What are we doing? What are we doing? GOT LAID OFF. HE GOT.

FIRED. WHAT ARE WE DOING? >> Why is this even an option? >> Dive bomb was Christmas. >> Yeah, it was his Christmas present. This. has been going since Christmas. All. these are 36% interest of death of. insanity of [ __ ] None of. >> those are 36% are. No way. No way. You. 0% financed. I wouldn't believe this for. a single second. >> Would you? >> No. >> Uh-huh. Now, why do you say that? >> Why do I not believe that? Because that.

means she would have to pay more than. $50 on each one off the rip. the. payments. How do I get the How do I get. the payment? [ __ ] This is complicated to kind of. whatever. I'm going to guess it's like. 200 bucks a month. >> It's 266. >> Oh, so actually no, that you confused. me. >> Uh what you what the what what did we. get at Target? >> I don't remember. >> Yeah, back in January. No, wait.

July. Buckle some clothing. Amazon. Amazon. Betty's. >> That's our bed. >> Betty's is our bed. >> Betting. >> Yeah, our bedding. >> Not our bed. >> Ticket master. >> That's Matt Matthews. >> Yeah, Matt Matthews. >> That's a trip for her and her mom. >> Okay. I don't think I know. >> You don't know? >> He's a comedian. >> Matthew Matthews. >> Matt Matthews. >> Gay comedian. >> Do we Do we know him?

>> He's a gay comedian. >> We are big comedy heads here. I had to. Google him and when I saw his face I was. like, "Oh, that guy." But. >> he got big off Tik Tok. >> Tik Tok guy. >> Okay. >> He's hilarious. >> I haven't seen him, but he's been good. on some things I've seen. [snorts]. Balloons, plastic silverware, toys, toys, toys, toys, toys, toys, piggy banks, toys, toys, toys, watch bands.

>> to make everyone think you got a golden. watch when you absolutely do not. kids. birthday. >> Yeah, we're doing a Toy Story birthday. party. >> Great. How about uh you give them happy. birthday. You're not going to have to. delay your entire lives when we're. retired cuz they did not consent to come. into this world. You chose to bring them. in and you're over. Endless birthday. Endless Spider-Man. Uh posters, poster. frames. >> Oh, you are the whitest woman I've ever. met in my life. She has she has one of. these. Life is like the bathroom.

Sometimes everything comes out okay and. sometimes you have to push it through in. that cottage core looking bull. >> It's for our little boy's bathroom. >> Oh, I'm sure you are the most white. woman I've ever witnessed in in person. That's wild. I didn't think people. actually bought that that at home. But. you didn't even do that. You got it on. Amazon even worse. Dude, you get slopp. constantly. You just get [ __ ] This. is all just plastic [ __ ] Just. getting endless plastic [ __ ] every. day of your life. She's at home shopping.

all day on Amazon. >> That's all she's doing. Is that your. hobby? That and spray tans. >> Yep. >> And how do you feel about that, big guy? >> What's our kid's birthday? For the most. part. >> I I went a full month in there. It was. just that. >> She's an organizing freak, too. She. likes everything organized. So I plastic. totes, all that kind of stuff she uses.

She does. >> Dude, it was like endless decor, endless. bull. It was all just stupid. >> Well, I told her from the start when we. got married, the house is yours. You do. what you want with it. >> Sure. Within budget. >> She does. She gets 200 bucks. >> She shouldn't. >> You do what you want with it. >> You can't afford that. You can't afford $200. >> We've been making it work for the last. five years. >> No. No. We have zero dollars in savings, zero in retirement. You guys have tens. of thousands of dollars that you're. saying that's making it work. Is that. what is make the outcome of making it.

work? >> The outcome of everything's paid. >> You also have a shopping addiction on. what not? I don't even know what the. that is. Oh, you do? >> Yeah. >> And you blame your dad for getting into. it, I guess. What the is that? >> I don't even know. >> I buy football cards. >> Football cards? >> Mhm. >> I've heard of baseball cards. >> It's kind of like baseball cards. >> I've heard of Yu-Gi-Oh cards. >> Yep. >> What the are you talking about? I got a. lot of. >> high-end football cards that are worth. lots of money. >> Very good. What could you sell your. collection for? >> I don't know. It hasn't come in yet.

>> This addiction just started. [laughter]. >> How much have you spent on this? >> These high-end football cards. >> 100 bucks. >> Doesn't sound very high-end to me. How. many are you getting for 150? >> Uh, it's more like a gamble. You don't. know what you're going to get. You buy a. team and hopefully. >> How many cards will you get? >> Oh, I don't know. a lot, >> dude. Then how can you even say you're. making a return on your investment? You. don't know what you're getting. >> Well, I know one card how many one card. is worth 175. I know for a fact. >> You don't even know what you got,

though. >> But I know that card for a fact. >> How? >> Cuz I've already looked it up. The guy. sent me pictures of it and everything. >> Oh, good luck. >> Good luck, guy. >> It's graded and everything. >> Good luck, guy. So, apparently my phone. bill was higher than my grocery bill. last month, and that is just ridiculous. But that is why I switched to Helium. Mobile, today's sponsor. And honestly, it is refreshing to see a phone plan. that isn't stuck in 2008. They've got a. zero plan that cost you, you guessed it, zero. No contract, no credit check, no.

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money, I get money. Enjoy. Links are in. the description below. Cash App. Who's. Cash App? >> I don't know if that's hers or mine. >> Uh $382 in it. >> Don't know if that's hers or mine. >> 5,000 [clears throat] came in, 5,000. went out. >> Probably mine. That's it. >> Okay. Oh, good. We're going to get a. water burger. McDonald's. Starbucks. [sighs]. Water park. Apple bill. Taco Bell. Snow. Bunnies. Winning. Well, Walmart. That.

might be okay. I don't know. Are you the. grocery shopping? >> Yes. What are you doing all day? Well, >> we go together with. >> kids. >> Uhhuh. Mothers with kids also usually. grocery shop. >> We go together. >> I don't like going to Walmart by myself. >> Together. >> Well, don't go to Walmart. No one likes. going to Walmart. Thought you wanted to. stay safe. >> We have that in Brookers. >> I don't know what the thing you just. called me. >> It's like HB. or. >> like Kroger or. is kind of like RHB.

>> Okay. I would rather go there than. Walmart. I mean, I thought you again, you were trying to stay safe anyway. So, >> it's more expensive. >> They don't have as much safety. >> They don't have they don't have all the. knickknacks she likes to look at. >> Well, you don't get to look at. knickknacks. And if you don't go to Walmart, you get. to avoid the other ones that start with. an N that you don't like. >> Why are we making me out [laughter] to. not like I never said that. I never said. I didn't like those people. I work with. those kind of people. >> What do you mean by that?

>> Well, they're not kind of people. They're just. >> Yeah, >> they're not people. Are you saying. they're Are you saying they're. three-fifths of people? [laughter]. >> They're people. >> They're people. >> Mhm. >> You're making people Tyler in. [laughter]. >> We are not scared of blind people. >> [sighs and gasps]. [laughter]. >> We talked about going to Walmart and he.

called you those people. >> No. >> Yeah, he did. >> Way back. >> I never said I didn't like those people. I work with those kind of people. >> He called you those people. >> Who's those people? >> He's trying to put me as a racist. >> and that's far from. >> I don't call Tyler those people. I love. Tyler. >> Okay, I did say that. I said those. people, but that's not what I meant. [laughter] by that.

>> And I don't I don't not avoid Walmart by. myself. >> So, what's the problem? >> Because she not because of color because. men like to kidnap women and children by. themselves. >> What kind? >> Arabians. I mean, anybody. >> ARABIANS. [laughter]. >> I don't know. Arabians of all people. [laughter]. >> I don't even mind my. >> you know like this the statistic for. trafficking is white people, right?

>> Okay. Well, there you go. Can't even. trust my own color. >> You're making it sound so much worse. >> Who the is those people? What are we. talking about? What are we talking. about? Who's those people? >> He So, so he brought up the people with. the N. Is that what she said? >> Don't say WHAT I NO, I DIDN'T SAY. ANYTHING. >> NO, she said. >> you'll watch it back. [laughter]. >> She She gets knickknacks and I said he. avoids another kind of event at Walmart.

>> Oh, okay. Okay. You said you do. >> No, I don't. >> Yeah, he said those people. >> I said those people meant like you can't. say Yeah, people. Because then you don't. know what you're talking about. >> Humans. Tyler is a human. >> Tyler is a human. Okay, I appreciate. that. >> Tyler is as much a human as you and me. and even Arabians. >> Thank you. You seem fun. >> Oh, thank you. I appreciate that. I. appreciate that. >> Saying he's one of the good ones, [cough and laughter]. >> dude. You are a mess. You are a mess.

Those people is crazy. >> Those people is crazy. Ain't going to. lie. >> Well, thank you, Tyler. I appreciate. you. back in his room. >> No. [laughter]. >> For Southside food supply for $10. >> Feed $10. >> $10 a gas. Okay. Starbucks, McDonald's, Travel Plaza, >> more Walmart. [clears throat] Those. people [laughter] and Dairy Queen and. Dollar General. >> Probably milk. >> Yeah, we have a Dollar General right.

down the road. So, that's where we get. like milk and stuff if we don't. Queen. Sonic, buddy, it's so much [ __ ]. Chipotle, what are we doing? You're. dying in debt. Can't achieve any of the. goals you guys want to achieve. Well, making so much money, then getting fired. and then having half the income and then. spending our entire emergency fund on. Gavston. What the [ __ ] Why are we spending on. all this bull? There's some more. Walmart. Um I don't know. I don't think. that was milk that time. It was so. cheap. Looks like Did you Did you go in. and get energy drinks or anything?

>> No. Uh, I stopped drinking energy drinks. a while back. >> Why? >> I don't know. I just stopped. >> Ah, if it's a price thing. Here, take. this. Here, you can make this yourself. This is free samples. Now, they're very. Goon branded, but these are the best. tasting things. So, um, that's gamer. subs. It's It's like you go to Starbucks. endlessly. Stupid. Make your coffee at. home. Be a big boy. Now, make your. energy drinks at home. It is 25 cents a. serving. >> I I do make coffee at home. >> It doesn't taste the same. Well, then. get the Starbucks beans, which by the.

way are horrendous. And Starbucks is. horrendous, so it shouldn't taste the. same. It should be objectively better in. every way whatsoever, unless you're. getting some ass beans. >> Even if it's Starbucks purchases online, it's probably going to buy coffee for. her at home. >> Well, it's stupid. We're only making. coffee at home and we're only making. energy drinks at home. Get the free. samples link in the description below. for those or 25 cents a servings once. you decide what flavor you like. or for 10% off, by the way, using that. link as well. That's so stupid. Guys, have energy drinks, coffee at home. No.

more Starbucks. No more stopping and. getting some [ __ ] Water burger. Starbucks. Subway. >> Dude, you just got all the chains. You. don't even go anywhere interesting. You're just chain. You're You're a chain. addict. >> That's all we have. >> That's all we have. >> I'm sure I sure. >> Tyler. has some has a couple. Mom and Pa, >> they do here and there. >> The off dude. You're going to subway. >> Great cookies. >> That's convenient. Great cookies we. learned in our Hammer Elite show, Fat.

and Fatter, but horrible everything. else. Star uh Subway is horrible. Horrible. And you're borrowing from Cash. App to maintain all this bull. Travel. Plaza. Oh, okay. There we go. You got a pizza. place that's a little more local. Travel. Plaza, Waterburger, Brookshshire's. Surveying Associate, Hearn Surveying Associate for $920. >> Yeah, that was for our survey for our. acre. Oh, okay. >> We're already spending so much on it. Tea market. Meat market. Piggly wiggly.

>> That's [laughter] a grocery store. >> that you got a $5 thing at. >> Probably. Oh, that's when I went and. bought jalapenos. >> Waterburger. Famous footwear. Journeys. I didn't know people actually went. there. >> Yeah, that's where I get my Vans. >> Cowboy headquarters. Waterburger. Waterburg. This is insane. And you're. borrowing 650 from Cash App over and. over and over again to sustain this to. sustain going to Subway again. Duncan. known as BaskinRobins, Wendy's. Went. inside some 7-Eleven got some bull.

Donut Palace sounds great. Taco Bell. Uh McDonald's, Waterburger, Sliced. Pizza, Taco Bell. You made $180,000. last year and you were re revolving $650. cash app loan endlessly. to maintain this bull. This is. unacceptable. And I know I'm unfortunately going to be. disappointed in this answer, but what is. your thought on this? >> I didn't know about the borrowing.

>> All wait really. And now what do you. think? in order to maintain this bull. which continues to be Andes frozen. custard by the way. PlayStation Network. went and got some bull. Apple bill went. and got some bull. Starbucks, Chick-fil-A, Taco Bell, Apple when he. got some bull, dude. He purchases. approximately 50 times a day. This is. insane. Yeah. What's your thoughts on this now? McDonald's. McDonald's winning got some. bull. What's your thoughts? Cuz this is.

>> She's with me on 90% of those purchases. Yeah. What's your thoughts? I want to. hear from her. Purchasing that 650. >> I didn't know about the borrowing. >> Borrowing? Yeah. What? Give me your. thoughts on it. You heard it now for the. first time. What do you think? >> I don't know. >> Oh, come on. You have to have something. Do you have no feelings or emotions. inside of you? Do you have no opinions? You need to have something here. I'm. concerned that you're way too passive in. life and you're just going to let him. steamroll your entire house into the. ditch. >> Yeah.

>> Wow. That's it. [gasps]. >> I don't know. I don't know. >> That's why we're here. >> You have no opinion. >> He has the job. >> So, are you not the wife? >> Face it. Well, no, he actually doesn't. pay it, obviously, cuz he just borrows. it back. >> Yeah. >> And you're okay with it? >> No. >> Then what are you going to do? >> There's nothing I can do. I can't. >> You can't have a conversation. >> You can't have a conversation with your. husband. >> Yeah. >> Is that the dynamic of this household is. you cannot have a conversation.

>> Have a conversation. Tell him what you. think. Tell him what you think. >> Pay it off. >> Okay. >> Wow. Okay. So, he knows that will Yeah. >> amount to nothing. >> I think he'll pay it off. >> He does pay it off and borrows. immediately. It's a revolving debt. >> It's a It's a revolving door. >> You don't give a. >> You're too passive. Do you get. steamrolled in every instance of life?

>> No. >> No. Then show me some of it. Have a. conversation with your husband about how. he is destroying your house right now. >> That's why we're here. We're. >> I know. And I'm trying to have this. conversation with your wife who was in a. unable to stand up for herself or her. opinions in any way whatsoever, which is. horrible for the future of your guys'. financial household. So that's why I am.

trying to fix this right now. Your. passive rightess right now. It's not a. disgusting quality, but it it is it is. it's horrendous. It's it's going to hold. you guys so so far back. >> Yeah. What would you say if you guys were in a. room and you just found this out? Tell. me what you would say to him. Tell him. what you would say to him. Pretend the. rest of us are not here. Have the. conversation. Have the conversation. The. cameras are not here. No, the cameras. are not here. You just found out you're. in a room with him and you just found.

out one-on-one. >> I really I don't know what I would say. to him. I'd just tell him to pay. >> This is embarrassing. What a joke. So, our conversations usually go, say, say. she found out and she said, "Okay, well, what are we what is it being spent on? Why did you take it out in the first. place?". >> And why are you incapable of saying any. of these words without him saying it for. you? >> I don't know. >> Okay, great. This is indicative of an.

incredible partnership going forward. >> We talk. I mean, we we. >> really Or do you talk? >> No, I we communicate. communicate. >> Why? You seem very incapable of that. >> No, >> she doesn't like new places. >> Yeah, >> she's shy. >> Well, don't be. This is the place to do it. Couples have. come on here. They put it all out there. and they've gotten their together. Are. you not at this rate? You're passive.

You're laying down and getting rolled. over and you're okay with it. I mean, there was one time we were going to buy. a motorcycle. and. >> this is the third time this has come up. Okay. So, what happened with that? >> Well, this is this is a good example of. her laying her foot down and saying no. >> When was this? >> Just a couple months ago. Three or four. months ago. >> So, I told her I wanted a motorcycle and. she said, "Okay, well, let's see what we. can get." So, I found one that I liked.

I called, did the whole deal, and uh. they gave me my interest rate and our. payment and I think it was gonna be like. six or seven, maybe it was all the way. up to a,000. But I called her because we. we can't if it's a big purchase, we talk. about it. We talk about can we afford. it? Is it worth it? Blah blah blah. I. called her, we talked about it, and we. decided it's probably not a good idea. and she's the one that actually I was. excited so I I probably would have just. done it but she's the one that said no.

this is probably not a good idea we. can't afford it let's not do this. >> okay listen your big excuse for not. participating is all he's the one that. has a job what happens when you have a. job what does that dynamic look like. then. because you will be getting an. associates degree and trying to be a. parallegal then what happens. >> I mean we'll. all of our money will go into one. account we'll pay the bills. We'll. >> wheel. How's the dynamic? >> At that point, I'll actually have a.

check going into. >> Why is that what matters when it comes. to having conversations? >> I mean, I actually I don't know. I feel. like even when I have a job, we'll still. split it up the same. >> Should you not build. >> all of our money will go into one. account and then he'll I'll still bring. money. You'll get an allowance based on. your pay. >> Not an allowance, but like. >> based on your pay. >> Well, to be able to put some in savings. and stuff.

>> So, all the money comes in into one. account, he manages it, and then you get. a little tax of your own money. >> Yeah. >> To get us through the week. >> Isn't yours just [ __ ]. >> Isn't your fund just [ __ ] I have. your cash app right here. Isn't your. fund just [ __ ]. >> Yeah. What what the are we talking about. then to get us through the week? >> Gas. Well, I mean, I don't really get. gas right now cuz I don't go anywhere. But yeah, >> you have a 2-year-old. Shouldn't you be. going places?

>> They going to be bored? >> We go to the park and stuff. That's. free. >> They have a playground in the backyard, too. >> But it is still gas, right? >> It's 2 minutes down the road. You guys. walk? >> No, [laughter]. >> it's not 2 minutes down the road. It's. like maybe 5 miles down the road. But I. I pay for the gas. We fill up on the. weekend if. >> nothing even happened in here. It's just. money going back and forth in your cash. app. Nothing. Nothing was even there was. no account. It was to and from Cash App. over and over again. >> Okay. Okay. Who's Capital One.

quicksilver? >> We both have one. >> Oh sake. Who owes $330? >> Thank. spent $300 last month. >> Huh? >> Do what? >> That one would have been yours cuz Yeah. So, funny story. >> Oh, >> on both of these credit cards that I. have on the Quicksilver and the BA uh. Bass Pro have both been closed. >> That is funny. >> Do you The reason why? >> Cuz you weren't paying on time.

>> Nope. >> No. >> Cuz why? >> I bought some bullets. >> Ammo. >> Ammo. And not But maybe a month later, both my accounts got shut down at the. same time. >> Why? They thought you were going to go. on a white national security spree. Nope. Okay. >> I uh so both letters came in at the same. time and I don't remember verbatim, but. pretty much it said you are not the. customer we want to supply credit cards. to or whatever. >> Okay. Do you know it's because of the.

ammo or because you're always maxed out? >> That's the only thing I can think of cuz. I was still making my. >> close accounts when people are maxed out. all the time. I mean, you're borderline. almost maxed out. You're acrewing. interest. Takes 17 months to pay off. You had. >> I'm not saying for sure. It was just. ironic that. >> two return. I swear every time, ladies and. gentlemen, this is the very first credit. card we're looking at. You can't tell me. you pay your bills when there's been a. late fee this year. You cannot tell me. that. So, what the is happening? If this.

lines up every time, if someone. specifically tells me at the beginning. of the conversation, well, we always pay. our bills. There is a guaranteed late. fee. Not only that, but this last month. you had two return AC payments. Two. return. >> Yeah. >> So what are you talking about? I ALWAYS. PAY MY BILLS. [ __ ] you. >> It still got paid. >> Do you say that so that she can sleep? >> No. >> Well, OKAY. HE PAYS NOT ON TIME AND he. gets fees added. You okay with that?

>> Yeah. Extra fees added to the balance. because he doesn't pay it on time. Okay, Coke. Sure. >> I think all of our credit cards last. month had return payments, but we didn't. know what was going on. >> because we had the money in the account, but when we paid it, >> every time we paid it, even though we. had the money in the account, it. >> probably wasn't an available balance.

>> Yes, it was. >> available balance cuz I have three. different. >> You still had the good job. I have three. different checking accounts or I have. two different checking accounts. >> That does not make sense. And I also. don't trust you guys as a reliable. source. 29% interest rate. Platinum. Who has the. platinum card? >> Me. >> Ah, the chunky balance goes to her for. the win. Okay. Platinum.

Capital One Platinum. Did they close. your car because you were associated. with a bullet owner? >> No. >> I that would I that'd be too weird, man. I don't get it. People buy bullets all. over the country and they would love you. to spend money and that's an easy way to. spend money. So, I makes no sense. >> cuz when I called them to ask about it, too, they told me the same thing. >> Told you what? >> That you are not a customer. >> I have the letter. >> She has the letter on her phone. >> Show me. Well, you pull that up. You currently.

owe $1,21.91. You're spending on a card that you can't. pay off with a $42 minimum payment with. a she she gets an allowance yet you rack. up a $1,200 almost maxed out credit card. that is acrewing interest and HAVING. PURCHASES THAT TAKES 9 YEARS TO PAY OFF. IF YOU do minimum monthly payments only. without purchasing of which you are. incapable of. >> By the way, that went up. >> Oh, what's the new balance? Wonderful. >> No, not that one. >> Oh, bucks. >> Oh, >> how much? >> Cuz trash came out about 30. >> Trash bills on that. Okay. 231.

>> There's the letter. >> Okay. Capital One. Let's see. >> I mean, it's the same letter for both. cards. We just got two letters. >> Dear real name, we are closing this. Quicksilver One card because Capital One. has observes activity on one of your. Capital One accounts that is. inconsistent with typical customer. account usage. Come on. So maybe they're. viewing it as So my I when we first. opened our original office, I spent a. lot on Amazon uh to get a lot of stuff. around the office and they viewed it as.

unusual and they closed it. Not cuz I. was purchasing on Amazon and they saw. that I posted a picture and they're. like, "This isn't the kind of customer. we want. You buy posters?" No, it's cuz. it was unusual. You probably went on a. weird spree and it was viewed as. unreasonable. as risky for them as the the lender. Please stop using this account. immediately and destroy any cards and. checks associated. This is so funny. Read so weird. It's like just. [clears throat] just close it, guys. Also, you should update any reoccurring. payments being charged to account, including Jim. You're still responsible.

for repaying the balance. Yeah. Okay. No, that's not some conspiracy. That's happened to me. >> Well, >> it's annoying. >> I'm just saying that was the last thing. I heard about it. That was the last. thing I heard heard about why accounts. were getting closed is if you bought. they were Capital One. >> through Capital One, they're they're. associated with a certain group and if. you bought out of their whatever. >> group they're a bank, dude. >> I know they're a bank and it didn't make. sense to me either, but that was the. only thing. >> they're a bank. Trump run won the.

popular vote. I highly doubt they would. go against literally over 50% of the. country as of the last election. Like I. know like 50% didn't even vote, but. whatever. Either way, it's like. >> I didn't do my research. That's just. what I got. >> They would fight half the country. >> Like, we don't want your money. >> Yeah. No, I I didn't I didn't do the. research. That's just the last thing I. got told. >> You asked for it and I'm delivering a. way to connect the dots to see how the. stuff we talk about applies to you, your.

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of Hammer Elite 3.0 for free, plus a. free budget friendly cookbook that you. can download. This insane offer ends. after Black Friday. So, if you want to. master your money, click below and get. started today. Guys, just real quick, don't forget to take your Hammer. financial score at calebmer.com. See. where you stand, where you got to do. better, WHERE YOU'RE DOING [ __ ] LISTEN, it just takes a few minutes and it is. free. Figure out where you stand in the. world of money. Caleb hammer.com. Well, is this done under the Biden. administration? Was it an extra.

conspiracy? >> Okay, I don't get. >> Trump was in office, so I don't I don't. know. >> Then this makes no sense. I I don't know. what conspiracy you're falling into. I. love a gun conspiracy as much as the. next guy. It's a little. nine years to pay this one off. Minimum. payments only. of which without any. purchases that you uh always purchase. So, Amazon return payment. Peacock. We're really paying for Peacock when we. can't. We don't have a emergency fund.

What are we doing? Oh, we're also Door. Dashing Wingstop when we have nothing in. savings and only one person works. In what world does that make sense? You. Who has done that? >> Let's both work hard. You both have this. >> both Door Dash the Wings Stop. And out. of all wing places, Wing Stop, guys. >> Well, fine. Better than B-Dub. Sure. There you go. That's fine. I'll accept. it. The ranch is good. Continue.

>> I'm pretty sure I don't know how much it. was, but it was probably a mutual like. >> It was a mutual payment. >> Yeah. >> We don't interest losses here or what? Door Dash never gets bought except. mutually. >> So you're mutually great. Wonderful. You're also mutually in every other way. 31.24% interest rate. Putting Door Dash. on a 31.24% interest rate debt. That's. moronic. >> Bass Pro Shop. Of course. I'm assuming. this is yours. Yep.

>> Okay. You don't pay it off even with a small. balance. $16182. monthly payment. 27. takes seven months to pay off. No. purchasing but. $5 of interest acred. and almost 100 this year. [clears throat] Okay. Quicksilver. So. this would be your quicksilver. >> Okay. >> That one has gone up. >> Yeah, that one went up as well. >> Oh, good. What's the new balance? >> Like 380.

>> Why? >> Our four-year-old had a doctor's. appointment Monday. >> Okay. Well, and your co-ay is $180. >> We're We're transitioning jobs, so we. haven't got a check yet. >> We paid for the hotel on that credit. card and then for. 80 was for Dr. Copay and medicine. >> So stupid. And yeah, you're purchasing. on this as well. $25 minimum payment. still most likely based on. his minimum payment for a similar. balance with the balance going up 180.

bucks to $380. Great. What was your purchase? Oh, Door. Dash pass on a credit card that acrru. interest. What are we doing, guys? What is this lifestyle? >> I actually didn't know that that was on. there. >> Well, yeah. You don't know anything. [laughter] You don't. you don't about anything finances? Nothing, right? Doesn't seem like it so far.

>> I do. >> What? What do you know? Well, we don't use my Door Dash. So, when I saw that and got on my Door Dash, I was like, I don't have a subscription. So, I asked him. >> Yeah. >> And I had a subscription that I didn't. know I had. >> Yeah. >> So, you. >> So, it was just linked to that card and. we didn't know it. >> Okay. Oh, Chevy. Got a truck. >> That's my truck. >> Okay. Got a 2016 Silverado.

>> Mhm. Okay. So, $3,315. That's not a massive balance, which is pretty good. How much is it. worth? >> Think 10,000. >> I say I don't know. >> N or 10, I think. >> Now, why does your dad think this is. paid off and that you're hiding that. from him? I'm confused. Like, that's. such a weird thing to do. My dad is a. money man. >> far as he's the one that like very.

financially responsible always like very. good with saving and that type of deal. >> and it's been drilled in to us as kids. like hey you need to take care of your. finances you need to have savings you. need to have all this kind of stuff. >> and when I was making those really. big$10,000. >> to $15,000 checks he was like you need. to take that money and pay your truck. off with it and you take that money. >> it's the lowest interest rate debt we've. looked at so far and also you have an. equity position of about He was he was. trying to get me to pay off my truck and. my wife's car just so we didn't have.

instead of the high interest debts 36%. firm. >> He doesn't know we have this. >> Oh, then what the Okay, so what? You. lied? >> No, we don't talk about our finances. >> We don't talk about our finance with. anybody. >> Our finances. >> Why did you say you're hiding it from. him then? Because I told him that it was. paid off. >> Oh, so you did lie. >> I did lie to him. Yes. >> What the Okay. Okay. Okay. Great. every. time I went on because last year I was. gone for 158 days on storm and my dad. knew that. So he's like all that money. you're making, you need to pay off your. truck and he'd tell me that once a day.

cuz he calls me every day. >> It's a little invasive. Okay. >> And I just told him I said okay I paid. it off. The the last check I got I paid. it off. >> You know what you're doing in the. poster. You're going to call him and. tell him you lied. [laughter]. >> Yeah. You're going to be man. Come on. You're a man. >> I am. >> You don't need to be a [ __ ] right? >> Yeah. That's okay. You afraid of dad? >> No. >> So, we'll call him in the potion. >> Okay. >> Very good. I like that. And I get it. You probably felt like you were being. nagged, right? >> I was. Yeah, I was. >> But, you know, it's just like.

>> I don't know if we want to lie. I would. explain the philosophy around maybe. we're not doing that cuz if he is. financially savvy, he would understand, well, actually, we have this other debt. and it's a little high interest. It's. much higher interest. So, we want to. prioritize that and then we'll do the. cars. You have an equity position of about5 to. $6,000 in this car. It's not the worst at a 5.53%. interest rate, minimum payment of $516, and it's worth about $9,683.

So, okay. Well, I'm very curious to see. what his reaction is to that when you. call him. >> It's going to be quite funny. >> I say he's very non. >> Yeah, he's not confrontational at all. >> Yeah, you also lied to him and you will. confess that. But we have what I believe. is an other car. And this one's at. 15.14% interest rate. >> Yeah. >> What the What is this car? >> A 2022 Chevy Trailblazer. >> Yeah. >> Trailblazer. Uh, okay.

What's the balance? >> Let me see. I know your minimum payment. >> Like how much do we not have? >> I think it's like 14,000 left. >> Oh, it is. It is $14,76748. Oh, with a minimum monthly payment of. $5774. You're lucky that this is worth about. 17. >> So, it's worth more than you owe.

>> So, what are you saying? >> I said you're lucky for that. Okay. >> The interest rate is still horrendous. So, you're still not winning by any. means, but at least if you had to get. rid of it, you couldn't and walk away. with a check as well. >> I will say that's the first car we've. ever bought ourselves. >> So, to have two cars with equity. positions on the show. >> Well, I thought I thought at the time, and this is a mistake on my part, I. thought the interest rate was 8%. >> Yeah. >> Until she until Credit Karma started.

sending her offers. >> You were okay with eight? >> Yeah. >> It's 2022. Yeah. >> After people were getting shitty. >> Yeah. People were getting 67. But yeah, >> and we were I mean that was the first. vehicle we've ever bought and our credit. wasn't perfect obviously. >> Yeah. That's the more. >> and she needed she needed she needed a. car. She was driving a 2006. >> 2008. >> 2008. >> Speaking of the interest rate, your. student loan interest rates are actually. kind of chunky. They're not even. generous. They're like close to seven.

>> Two of them shouldn't have interest. rates or no interest rates. They all have interest rates. >> Yeah. Just not acrewing interest yet. >> Yeah. Yeah. The the subsidized ones. wouldn't be acrewing. Okay. Your total. student loan so far, but you're going to. have to borrow more, right? In order to. do what you're trying to do. >> No. >> Yeah. You're going for your bachelor's. So, yes. >> Yeah. If I want to go for my bachelor's. Yes. >> Well, he says you want to go for your. bachelors. >> Do you want to go for your bachelors? >> Well, yeah. >> So, [laughter] yes is the answer to you. have to borrow more.

>> Yeah. >> Cuz you won't cash flow, >> which I wouldn't. right now with high. interest debt and no emergency fund. But. okay, so student loans right now you. have a total of. $4,819. How much you going to have to borrow for. the bachelor degree and when is that? >> I don't know how much I'm going to have. to borrow. I think the B because the.

bachelor degree is 40,000 but because I. have the certificate and the associates. that cost about correct yeah about 20. >> So 20. >> but I'll also get FASA like just like. these. >> Yeah, I'm asking for how much to borrow. I think the answer would be 20. >> Not if FASA covers a lot of it. >> Okay. Well, how much? >> I don't know. I haven't applied for fast. yet. >> Do you guys file taxes jointly? >> Mhm. >> Why should you qualify for anything. additional? I don't know. >> You made incredible money. You should.

just get student loans. Student loans. You got children, so you get a little. bit of child tax credit. But. >> I don't know. >> I know. Cuz when I applied for FASA to. go through uh a PMP, >> they were giving me like 3,000. I think. >> that this is your credit report. More. student loans. No, >> there's three student loans. Two. Yeah, that's it. >> Okay. Is that all our debt?

>> I think so. >> Okay. Who's the Bank of America checking. account? >> That's mine. >> Okay. We started with $344. We have two children. That's disgusting. To do the spending that I saw you guys. do while starting a month with $344 is. disgusting. >> Yeah. Unacceptable. children. >> What can I say? >> You guys are children. >> Our kids love donuts. >> And you won't even hold them.

accountable. You won't even hold them. accountable. You'll just cope giggle all. day. >> Going out to eat. How much last month? What do you think? What would we guess? >> 800. >> Okay. What would you guess? >> A,000. >> Okay. $1,122.73. What the is wrong with you guys? That is. more well actually with the two cars. That's that's not true. But it's close. to your minimum payments. >> That was also though because he was.

working 6 days on, eight days off or. >> pack him a meal. >> He did take lunches, but breakfast and. dinner most nights he. >> breakfast a dinner. I don't give a [ __ ]. You guys are in debt. You can't hit your. goals. You guys don't have anything in. retirement and you have no emergency. fund. Not having an emergency fund is an. emergency. What are you guys going to do. if an emergency happens? Can someone. answer? What will you do? >> I don't know. >> Borrow would be it. >> Yeah. >> At higher and higher rates until you. guys are in a payday loan cycle, which. you borderline are with Cash App. Again,

those little pay advance things are not. necessarily a bad thing. It is just like. credit cards. It is how you use them and. you use them poorly. Have you ever borrowed money from your. parents? >> Mom and stepdad. Yeah. >> Well, there you go. So, it's more of. that. What are you borrowing for them. for? Uh, borrowed $1,800 one time to. start a business. >> What the [ __ ] Okay. And. >> business worked for 6 months. >> What else did you borrow for? >> I think a bill one time like 200 bucks.

I don't remember what the bill was. >> Why? See, that's what happens. You're. going to have to borrow more. You're. going to have to go begging for money. You're going to have to embarrass. yourself. >> It's been a couple years. >> This is embarrassing. No, I'm saying if. an emergency happens today, cuz you guys. are prioritizing $1,150 of going out to. eat over building an emergency fund, miscellaneous bull on top of that was an. additional $2,429.83. We already saw a lot of those purchases. We will see more. So, at minimum bull, minimum bull was 3,500.

bucks essentially. No, no, no. It was. about 4,000 bucks. Almost $4,000 went to. [ __ ] Complete and utter bull. bull. So what the. what is our desires? Cuz you guys are. not living up to it. Can someone tell. me? Hey, fine. What What do you want? What do you want the household to look. like? What are your goals? What are you. trying to do? Money, finances?

What is the household trying? >> What [clears throat] do you mean? What. is the household trying? >> What do you guys want? Not you. You. Uh, I don't know. >> Oh, what a joke. What is wrong with you? Not an emergency fund, not to pay off. debt, not to get a house, not to retire. >> I want to pay off the debt. >> CAN YOU TELL ME WHAT THE you want to see. this household accomplish financially? >> I want to pay off the debt. >> and. >> and build an emergency fund. >> Oh, good.

What is wrong with her? She just goes. with the flow. No, she's. >> No, I wouldn't say that. She's smart. She's super smart. >> Whoa. >> I have not seen that on display. >> Just different ways. >> Different ways? Where do you do it? Well, she can put the right shape. through the right hole. >> No, she's books smart. >> Coloring. >> Mm-. No. No. College books smart.

>> You're going to go through all of my. financial education. It is not an. option. I would take it together, but at. minimum you have to. Debt class, budgeting class, investing class, real. estate class, recession class. You go. through all of them for free. >> I'm in real estate law right now. >> Well, great. That is the legal. I need. you to learn the finances. >> You get it for free. Okay. >> Okay. [clears throat]. >> Take advantage of it. Tens of thousands. of people have gone through them. >> Now you get it for free. So, and no,

this is just like you can't lost on. that. And it's just like I I I don't. know what to do if like you just don't. give a When I asked you to give me a few. financial goals, you just repeated two. of four that I said. That's it. Like. you've never thought about this? Never. had a conversation. >> Well, yeah. I mean, the only. conversation we've had is we want to pay. off debt and. >> and buy a house. >> And buy a house. >> Then why are we doing everything but. that? Fourth, I'm [ __ ].

>> Because we're terrible with our finance. >> Exactly. So wouldn't we then try to. correct that? Do the actions that are. required in order to correct that? If. our goal together, we already know it. was to pay off house. >> We started that like 3 months ago with. even having money and savings. [laughter]. >> Ended with barely anything either, but. this cash app rent the center. Went and. got some [ __ ] Went and got some. bull. PlayStation Network. Cash app. Cash app. Cash app. Cash app. Cash app. I think a toll road. Cash app. Uh cash app. Cash app. Cash app. Cash. app. Cash app. Cash app. Cash app.

Uh, winning and got some bull. Winning. and got some bull. Cash app blink. Winning got cash app. Went and got some. bull. Cash app. Netflix. Went and got. some well. Cash app. Cash app. When got. some bull potentially. I don't know. Cash app. Cash app. Cash app. Cash app. Cash app. Southside Field. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Cash app. Catch up. Cap. Brazil. Tile. Tyler. When he got some cash app.

cash up affirm. cash app affirm Apple bill cash up cash. app cash app cash up cash app cash up. cash app. freight cash app winning cash app cash. app water burger rose city barbers cash. app cash app pigtails and chew. >> haircut for kids. >> haircut for the kids. >> cash app TJ Maxx cash app Chipotle cash. app stash subscription cash app cash app. cash app cash app cash app cash app cash. app. Cash app Bill Jalapeno Tree Affirm.

Cash App got some [ __ ] Winning got. some [ __ ] Winning got [ __ ]. Cash app. Bill. Cash app. JJ's Academy Sports. Winning got some [ __ ] When it got. [ __ ] brew license online, that might. be okay. Cash app. Cash app. Cash app. Brieza. Cash app. Chick-fil-A. Waterburg. Waterburg. Gavston. Academy. Sports. Watermelon. Cash app. Cash app. Cash app. Cash up. Cash app. McDonald's. Galveston. Cash app. Cash app. Cash app. Cash app. Cash up. Cash app. Galveston.

helicopter. What? Galveston Academy Sports Parking. Cash App. Easy Maisy. Tequila Rock. Parking. Tina's on the strip. Amazon. parking. Surf Shop. Gabson. Whitewater Express. Coffee. Winning. Got some [ __ ] Gon. Gabson. Sonic driving. WINNING. GOT SOME. [ __ ] GATEWAY. WINNING. Got some. bull. Chipotle. Tik Tok shop. What the. are we doing? McDonald's parking.

[ __ ] Dairy Queen. Door Dash. Bull. Bull. [ __ ] Cash app. Waterburg. Oh, what? Not rent the. center. Cash app. Cash app. You That's. insane. $825 in this Bank of America. What's this? >> Which one's that? >> Sis. >> Yeah, they're all three of them are. mine. >> It's the. Okay. Draws 2,00. And then this savings went. from 500 to 2 cents. That's great.

Okay. >> And then we just had savings and then we. had to fix my truck. So. >> of course you did. That's why we HAVE AN. EMERGENCY FUND and we don't use it to go. to bull Gston. Like what are we doing guys? Minimum monthly payments $56.67 67 cents. from uh from Cooper's affirm, $266.

from her affirm. Your cash app. Well, no minimum payments. there. You just owe that $650 and then. it take it back. $250 to a Quicksilver. $42. Platinum $27. Bass Pro $25. Quicksilver. 516. Silverado 5774. for the Trailblazer. This is not student. loans. That is not Cash App. Minimum monthly payments comes out to.

$1,53542. Which, by the way, with the income you. had, and I think the income you have, you should be able to manage without. freaking the. Let's build your budget. Oh, wow. >> Okay. So, 153542. for the minimums. Income, we're saying.

for now, 680. I assume you're shopping. around consistently for higher income. jobs and bounce back up. But what's your. rent? >> Uh 1,600. >> Okay. util all utilities including. internet. >> roughly. it's 350 or 250 100 for Wi-Fi. >> 50 for water. >> 50 for water uh 35 for trash. and that's it. >> good 435 phone bill. >> uh 342.

>> the. wrong. >> we've been shot we just bought new. phones. >> in January. >> in January Dude, once those funds are. paid, I'll switch to Helium if. T-Mobile's good in your area. Same. tower, same service, but cheaper per. line. Like, what the are we doing? Okay. Gas, vroom, vroom, drive, drive, both. combined. >> Maybe. 400 a month. >> Car insuranceances. >> Uh, 135.

>> Groceries, we should be able to do. >> eight. >> Yeah, about 800 a month. >> I think 800's fair. TP fund for everyone. including kids 250 anything else you. need toilet paper toothbrush toothpaste. every once in a while it's like a sports. activity that kind of stuff medical. healthcare co-pays monthly basis well we. don't really know right now. >> we don't have insurance. >> at all insurance no we we're looking at. marketplace right now to try to find. >> good I'm going to assume that's going to. probably be insurance about 500 bucks a. month temporarily. >> yeah probably something like that.

>> well actually for all four of you right. >> they are nice to people that got fired. But 500 might be generous. >> I know the last time it was one. No, 200. >> for 200 a month. >> Yeah. >> Okay. Maybe I'll say 300 then. >> Okay. So 300. Is there a gym? >> I would like to have a gym. Yes. >> Okay. What? 40 bucks. >> Yeah. 40 50 bucks. >> Okay. We'll call it 50 subscriptions. Let's see if I can fit in about 50. You.

have any pets? >> No pets. >> Good. Thank. Okay. Okay. Anything else. that needs to be in your budget that I. have not put in that needs to be taken. account of? >> No. >> You guys still have wiggle room, but. barely. I can't really give you fund. money. You need $5,89742. Listen, go make more money. You go get. aing job. >> I've been applying. >> and I can give fund money from that. But. with not having an emergency fund and. two kids, I need this $982.58.

to go to pay off debt. Listen, Trailblazer, honestly, minimum uh sorry, Silverado, minimum payment until it's. paid off. >> Okay? >> I would not pay anything extra on that. I really wouldn't with your equity. position and the interest rate. But the. Trailblazer were murdering. Even with. the equity position, the interest rates. are stupid, insane, dumb, stupid. So, bad debt is $18,8720.

divided by obviously it's going to be. close to about 20 months, but let's see. Yeah, 19 months, which honestly not bad. A year and a half, that's with your. lower income. You ramp it up, pay it off. in a year, fully emergency fund in 6. months, start building back up on. retirement. You guys just This is the. easiesting fix. [laughter] This is so. stupid. Come on. This is the easiesting. thing I've ever seen. What a dumb. position to be in. This makes no sense. This is with your income cut in half. You can pay this off like this. Don't.

get the stupid trailer. Don't focus ON. THAT. PAY OFF THAT EMERGENCY FUND, catch. up on retirement, and then do what you. want with the house. This is so stupid. [snorts] All right, we're going to call. his dad in the post show, and he's going. to confess that he's a liar. But let's. get the hammer financial score. Spending. a budget. Will you overspend? Zero out. of 10. Debt. It's really not the worst. There's some stupid things in there. There's been a couple late fees and. bounce checks. This is probably like a. two out of 10 for your guys' situation. It's not good, don't get me wrong. Emergency fund, nothing's out of 10. Retirement, I didn't see anything. >> No. >> Is there something?

>> The my fidelity account. >> How much? >> 3,600. >> One out of 10. Real estate. You do own. >> We own land. >> Land. $25,000 worth. It's not great. Not. much is on there, but I mean, at least. it's something. I'll give it three out. of 10. Hammer financial score. Round it. up to 1.5 out of 10. Get your score at. calebmer.com. Now, click that join. button for an extra 20 minutes of this. episode of the Financial Auto Post Show, including three premium shows posted. every single day, Monday through Friday. I'll see you there. >> But I have a confession to tell you. >> Okay. >> So, my truck is not paid off.

>> Okay. >> How do you feel that your son lied to. you about paying off the truck when you. really wanted him to? >> Why did you tell me that it did it? >> Because I was tired of you nagging me. about it, to be honest. >> 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. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a promise.