He Treats His Wife Like A Pet | Financial Audit

They give her a certain amount of money. per week. >> Like sugar daddy. >> Yeah, kind of. >> Why does our uh almost 40-year-old wife. need an allowance? >> Thank you. I was dropping hints like, "Hey, >> I don't do good with hints.". >> That's pretty basic, though. Hey, I. don't like that I don't have access. I. wish I had access. That's not a subtle. hint. >> I don't think that's how that. conversation went. But if you want to. frame it that way, that's fine. >> Well, I mean, that's how she's more. >> That's how I'm framing it. >> I'll spell it out next time. Bundle all of my educational programs. I've ever made, plus the premium version.

of my budgeting app for not only 80%. off, but also with a free trial today at. dollarwise.com. Join the tens of thousands of people. who've changed their lives and joining. DollarWise Central right now for free. >> Hi, I'm Nicole and I'm 38 years old. >> Hi, I'm Sam. I'm 39 and we are from. Northwest Arkansas. >> and this is Financial Audit. >> Guys, I'm excited. I love a good. couple's audit. Thanks for coming down. to Austin. Nicole, you're the one in. front of me. So, let's start with you.

What do you do for a living in Northwest. Arkansas? >> I do only as a foot model. >> I was That kind of makes sense cuz. you've certainly aged out. >> Yeah. >> Of normal OF. >> Yep. >> But I guess she shows her age as well. >> She shows her face and she gets money. for it. >> Yeah. >> Her face. >> Yeah, I show face. Oh, you show face. She shows face. >> I show everything, but I I do not She.

shows everything. >> I don't do complete nudity on. >> You just said you show everything. Well, >> well, like. >> on most body, but not unclothed. >> Yeah, I wear lingerie a lot. >> [ __ ]. >> Okay. So, but the primary money is feet. >> Yes. >> The focus is feet. Yeah. >> Yeah. My focus is people with the fetish. of feet. And. >> are you involved in this at all?

>> Sometimes. >> Yeah. >> Finishing on the feet, I'm assuming. Okay. >> Well, I'm assuming cuz that's what the. king people would like. >> But that's. >> when we can. >> Yeah. We don't have. >> We got kids, man. We can't just like. film whenever we want to. >> Oh, you guys have kids? >> Yeah. >> Great. So, they will find that in. school. Maybe. >> they will find that in school. >> I don't know. I don't think. >> they will find that in school. How old. are your kids and how many?

>> 16, 13, and nine. >> Yeah. >> Have any of them found that in school? >> 16? >> No. Our school is very like I believe. it, but I don't you like it's not I'm. not known as me, and I make sure that a. lot of my stuff is not. >> It's one thing, and then it's spread. everywhere, and your face is in it. >> I know. >> All right. What are you making? >> I make probably on average, well, I only. I deposit about $300.

into my account every week. >> Yeah. And then I also last year I like. keep $300 available for me and then I. have like a pending amount of. >> probably $500 sometimes depending on. >> sometimes. Well, cuz it depends on how. much time I've had to make content and. >> it's. Yeah, you would think, but. >> I do think. >> doing. >> Okay, so 1,300 bucks a month. And are.

you setting aside proper? >> Nope. >> Nope. >> How long have we been doing this. >> for like 3 years? Her 1099 was 23k last. year. We've been able to uh. >> Are we on the up and up or are we flat. or we down? Cuz the what you just. provided is down. No, this would be more. of a down time. I was making a good. amount towards the end of last year and. the beginning of this year. >> So, mother of three providing literal. semen videos on her feet. Okay, good.

That's your income. >> Oh, I hope you make money cuz that. certainly ain't much. >> What do you do? >> I drive a truck. >> Okay, now truck driving can actually. make uh pretty decent money. Short haul, long haul. What are you doing? >> I do regional driving. I used to do otr. but you uh between 80 and 85 usually. >> sometimes close to 90. >> There we go. Now I understand how the. bills are paid cuz. >> mine was just a. >> Hey, why don't you like do something?

>> What? >> Productive. >> Productive because I stay at home and. take care of my mom who has dementia and. kidney disease. >> Okay. Then if you're providing support, are you getting anything from the. government? >> No. um that we have like looked into for. the past but just just now. >> looked into haven't done anything. >> No, I couldn't. She didn't What is that? She gets too much money from the from. her like government.

>> She didn't qualify for the assistant. programs in order to get Yeah. >> So, what hits your account? What hits. the account from your income on a. monthly basis? >> On a monthly basis. Uh, so it's like. 12. >> This is always the first question. I. don't. >> cuz I know weekly. Like I. can That's what I was just coming out. with. >> What is it? >> 12 to 13 usually.

>> Okay. I'll say 125 then. >> Okay. Uh, 12* 4.3. >> Oh yeah, I was going to do 52 divided by. 12. That works. >> Yeah. So about $5,417. a month. >> Yeah, >> sounds about right. Yeah. >> Why did you set any money aside for. taxes? Are we filing jointly? >> Yes. >> Cuz your income is high enough where. they're going to want a chunk. >> Yeah, I know. A decent chunk. >> Her pedicures are a write off. Her uh. equipment that she does write off 100%.

of. >> uh No, but enough to not be liable for. her portion of the taxes. Because we can write off part of our. mortgage, too. She takes pictures at the. house off. >> I I. >> How much are you able to deduct? >> That's what I deduct pretty much my. clothes probably. >> If the IRS sees this, will they find all. that valid? >> Yeah, because I I use it in all my. content like there you can find it all. over social media like the stuff that I.

purchase. >> Let's find out. Now, what can we account. then for the income hitting? Because if. we're spending all that money. >> I don't. >> that means that as money go. >> we I we still do pay some taxes on her. stuff but. >> what. >> yeah I don't know. >> how much I I I go. >> so it just comes out of the income from. you. >> essentially. Yeah. >> Okay. Because we're not setting anything. aside. >> No we don't. And we that's what I was. telling him last year. I was like. >> oh she makes more when she sells used. socks and underwear. >> Yeah.

>> Yeah. That's what I was saying. This. world pens. Yeah. Socks. I used to have. a guy that would buy me buy socks. So. you wear socks and they buy the better. >> I get $60 a week just to clearly uh. almost encourage this in a way. >> I mean I'm fine with it. She's making. money. >> She is making money. You don't find it. degrading of anything of your wife of. the mother of your children? I mean I. guess you are the one of the usually the. septum piercings on the women. >> I guess so.

>> Yeah. You don't have that. I thought. that was. >> I guess um. stereotypes. Yeah. So you don't care. just because money comes in. So you. don't care what she does as long as. money comes in. >> No. >> From a literal standpoint. >> Okay. Cuz that's kind of. >> There are lines that I have. But. >> the lines. What do you mean? >> What would the lines be? >> What would you say now? >> We would discuss it and that's when I'd. find out. >> Yeah. Right now we haven't reached that. line. Yeah,

there he How about this? He won't let. anybody worship my table. >> In person. >> Uh in person meetups off the table. >> That's good. Well, that's more of a. safety thing if we're being honest. >> Yeah, very much. >> She doesn't even like doing like cam. stuff. And. >> yeah, I don't do like video because. that's kind of getting to a personal. degree as well. Just lately, I've really. gotten known into the feed community, and that's why I was making a lot of. >> If you're getting known into the feed.

community, again, at some point, this is. going to be exposed when one of your. kids are in school, even college for the. 16-year-old. >> Well, and I don't think it's, like I. said, I keep it very not. >> But if you're getting known in the. community, I guarantee you there's one. feet gooner at the college one of them's. going to go to. >> Yeah, maybe. I I But I know. >> Oh, there's feet gooner among us. I have. one at this office. Most models, feet. models, go they start, you told me. >> most feet models start off as just. taking pictures, doing this. I. >> got you, but your face is there. I don't.

care about most. I care about what you. are. >> Listen, hold on. Because most of them. will to make more money go into full. ass. And I that's a no-go for me. I don't do. that. >> Well, kind of. I mean, I just got to. note that you literally give him foots. on camera. >> Yes, >> that's. that is his, but he's you can't see him. Like all his I know that person.

>> Nobody should know his besides. >> No one should. However, literally if. they spend 5 seconds, they will find you. on the internet with a reverse image. search and they will see that that is. your husband. And by the way, fun fact, I don't know if you know this, but. again, if this gets exposed to your kid. and they know that there's a penis on. there, they're going to assume it's. dad's. >> That's true. Well, they know about it. We're open with them. >> Your kids know about it already. >> Yes. And we are very sex positive like. of being like them know about real world. stuff kind of thing. So,

>> and their thoughts, >> their thoughts are mommy, you do what. you want to do and it's up to you and. that's your body. And. >> their thoughts are people are weird for. liking feet. >> Yeah. They think that it's weird and. everybody's different and yeah, people. like what they like. >> I mean, >> no, instead of stay at home because. again, these kids are not in the. stay-at-home age necessarily. Why don't. you actually go become a productive. member of society? >> Because I can't. I would have to. request. Yes. I take her to every. appointment. All of that.

>> Well, how often's her appointments? >> It's literally. >> now that she's on dialysis, it's three. times a week. Okay. >> Uh, yeah, it's pretty it's hard because. >> I'm glad you have a strong income, Sam, cuz I don't know what the we'd be doing. >> Yeah. No, that's how I felt like I I. tried to have a job. I when he was a. truck driver and do all of this at. Kohl's and it did not. >> Well, so your kids know you film this in. their house. >> They just know that I I do stuff with my. feet. Like I.

>> They know the type of content. They know. that it's feet content. >> Yeah. >> Oh boy. And then I sell socks and stuff. because I I do want to be open with them. and I want them to know and know the. dangers of all of that and stuff. >> Okay. Now, I'm obviously not encouraging. for the day when mother passes away. That's going to be very sad. When that. day comes, which is probably sooner than. later, >> maybe 5 years. >> Okay. >> Her kidney doctor is hopeful about the. dialysis helping her. >> I hope so too. I hope so too.

>> When that day comes though, >> can you go get a job? I want a job. I was very into that. This. was just like a thing I wanted to help. >> Why don't you do like remote sales or. something? Cuz that you can take more. time. It's more flexibility. It's more. about the grind you put in and the money. you bring in. >> Yeah. I looked. >> like there's things you can do that are. not degrading. >> Yes. And when I tried to look into that, I didn't get very far. I'm not very into. it. And then I There's so many scams. with those. Like if there's scam there.

>> scams everywhere scams in your industry. more than almost any. >> Yeah, but that's where I'm like I said. but there scams of trying to like apply. for that and I wasn't very. >> Why did you end up getting into this? >> It was it was just a thing. because I wanted to make money and I. felt. >> So you're still taking care of your. mother 3 years ago like this same thing. >> Yep. Yep. I've been. >> even though the dialysis has just. started. >> Huh. >> Which is the more frequent thing. >> Yeah. But she still had at least three. times a month some kind of appointment.

And three times a month a lot of. employers. >> it's 45 minutes like away from the. driving is what really killed a lot of. doing the appointments and stuff like it. her taking her to an appointment would. take. >> pull pants up on his own either. So that. was a big part of it too. >> Yeah. I take care of my dad too. I take. him to the VA. She doesn't live with us. Now, if they're getting lots of. assistance as, you know, social security.

and everything, why are they not in a. home? >> I don't want to put her in a home. >> Okay. So, that's a Yeah. Well, she I. promised her that. Like, she's not. there. >> I wouldn't say not putting somebody in a. home is a want. That's up to her. >> Homes are terrible. That's the end of. their life. They get to decide to. decide. But I first of all, when I said. that, it's her saying she didn't want. to. Before she said her mom didn't want. to. So, how long have you guys been. married?

>> Uh, it'll be 10 years this year. And. >> Okay. So, we had a 16-year-old together. Well, not a 16-year-old. >> Oh, it's one of one of y'all's. >> Yeah. Yours, mine, and ours. >> Whose? >> Well, this is mine. >> Okay. And then 13 is you. >> Oh, so they came into this. And then the. nine is both. >> Yeah. Uh, were you guys both married. before? >> I was. Yeah. >> And I was not. >> So, what are we talking about today? What's going on? >> We really wanted to get a thing. Even. though you don't like it, but I want a.

shed for Outback to do. >> for Outback. >> for in my backyard so I can do more. content and make more money. >> Oh, what the [ __ ] What does a shed do? Wait, what does the shed accomplish? That would be like a small studio and a. private space because that is a lot of. where I I could be making. >> I thought we weren't trying to do this. long term. >> I'm not necessarily because I know that. shed we also shed probably needs to be. like almost air conditioned and heat, you know. >> Yeah, it needs to be redone. >> How much is Oh, it needs Wait, you.

already have a shed? >> No. No, we've just looked redone. >> Yeah, this is what started. >> If we buy it, it needs to be finished on. the inside. Yes. >> How much does this cost? >> What is this? Yeah. How much? And what. is this? 4K for the shed and probably. like 800 for the electrical and then the. rest I'm going to do by myself. >> It's not the craziest material. Probably. like. >> it's going to cost. >> 400. >> So I would say 12 to finish it out on. the. >> WA got big up to 12. >> Yeah, it's a lot. >> to 12.

>> 4,000. to 800 for electrical. >> 800 for electrical plus 400 for. materials. That's just off the top of my. head. >> Okay. That got us to about 5,500. And. then we. >> When I said 12, I meant 8 + 4. >> What's the eight? >> Yeah. What's the eight? >> The electrical. >> I heard 800. 800 for electrical. >> Yeah, but you're getting 800. >> I like 10k for. >> to do everything that we want to do. >> About 5,500.

>> 1,200. for finishing out the inside. >> That brings us to about 65. >> Yeah. I never said 12,000. I said 12. >> I am. >> And you're you're assuming a lot of. stuff. >> I heard 12. >> 8 + 4 is 12, right? >> Well, your wife and I heard the same. thing. I'm sure the audience did, too. But I appreciate it. Okay, so I guess. we're getting a goon shed. >> Yeah, I guess. >> Little toe goon shed. It'll be for. cards, too.

>> Yeah, cards card. >> Magic gathering. >> I've got I. >> But it's a hobby thing. at that. But. Magic the Gathering is a hobby thing. What What are we. >> But I can make money with selling. >> off. Hey, at least you do own the house. But you got Listen, you got a total of. $216,000 of debt and $169,000 of that is. the mortgage. Meaning there's. substantial amount outside of the. mortgage. About 46,000 47,000 of debt. outside of the mortgage. And we're. considering getting a hobby shed.

>> That's not making sense to me. I mean, your room's a private space. No, it's. small. And are it. >> It's small. Usually sheds are small, too. Typically. >> No, no, no. This is. >> You're getting a mega shed. >> No, we're not getting a mega shed. It's. 10 by. >> Yeah, 10 by 10 by 16. >> But our room is tiny. We can barely fit. a queen. >> It was built in the 80s. It's. >> What's the square footage of your house? >> Uh 1640. >> Okay. H. >> most of that is. >> Are you guys in the primary? We are, but.

the biggest bedroom is a converted. garage that her mom stays in. >> That she has. >> But it doesn't have an on suite. bathroom. So, no. >> No. No. We bought it converted. >> Makes it harder to sell a house. >> It does. Yeah. >> I mean, it's full brick and the. >> No, I know. Just converted garages. typically limit the the the buyer pool. substantially. >> Sure. >> Well, I guess we'll deal with that when. it comes to Okay. So, Magic the. Gathering, are we we must be spending a. lot of money on that in general if we're.

if we're going and getting into a Goon. card shed. >> Goon card shed. >> Uh, I've got a lot of cards. Yeah. And I. >> How many cards do you have? >> Uh, let's see. I've got six 5,000 boxes. One or two of those are completely full. >> and then they're everywhere. >> And then the other ones are about 2/ird. of the way full. >> and they're everywhere around the house. >> So, like producer telling me, "Oh, 20,000 cards.". >> What? I did the math for the producer,

so whatever they're talking, >> he took a note of 250,000, but maybe he. missed. >> 250 cuz that would be insane, right? 250,000. >> I mean, does that even exist? >> Yeah, >> the boxes. >> A friend of mine six, they they go at. it. >> Okay, so a section, I guess, is our goal. instead of paying off $48,000 of bad. debt. Why does that make sense? Can. someone walk me through why that makes. sense versus the priority of bad debt? >> More custom content, me being able to. sell off some of my collection is.

bringing in Yeah. >> Yeah. It. >> So having the shed's going to allow you. to sell off the content. >> So right now, if I want to sort through. my cards, I literally have to unstack. those 5,000 boxes. >> and take the one that I want and put it. on the bed and sort in the lid on the. But if they're all in the shed room, that take away space and ruin the. >> No, I'd have a table and to spread them. out. But yes, I mean that would take. away room for content, but it's a pretty. decent size shed. What type of content.

is what kind of space is needed for. then? I would assume you already. >> How does the 1600 foot house not have a. corner. >> because like an actual private corner. that is not uh loud and have other. sounds? >> So if the kids see mother walk to shed, they know she's getting her freak off. Well, a lot of times I won't do it that. like I do it when they're in school and. stuff and like. >> Well, there is that not the answer then. already. >> I mean, school just started back. >> I know, but but if we only do it while.

they're in school cuz you can stock up. for the summer. I mean, content is easy. to. >> No, cuz that's the thing. I get too. tired and I don't want to do it. >> of And it's Yeah, but it's a lot harder. than you think of setting up in my. >> I'm going to let you know, believe it or. not. I know a couple things about. content. >> You do and Yeah. >> And this is a really big production. >> Yeah. >> Mine is I do it all. >> She does it all by herself. >> I never did that for you. An endless.

amount of time before I was able to. bring out people. >> But did you have kids that were around. you and then like. >> No, but you said they're in school. >> Yes. But it's also like with my mom and. the dog and all of that trying to clean. the area, get the lighting. No, I have. literally this line of space in front of. my. >> So, we're using every excuse necessary. to really justify a shed that we just. want. >> I really, can we be honest? It's a one. Okay. And that is more important than. the $28,000 of bad debt. 48,000. Sorry.

>> So, why is that? What we're prioritizing. in this conversation is trying to get. the shed instead of that. I want to pay. off to help pay that off. >> I do, too. >> Okay. What is the uh income percentage. increase we're going to see from shed? >> I don't know. >> Shed, is that doubling our income from. $1,300 a month before any write offs or. taxes? Meaning we'll probably only have. about $200 in actual spending money to. $400 a month. That's going to pay off.

our debt. >> how much quicker? >> Yeah. >> So $400 a month extra. just based on. just based on at least the what you kind. of suggested is written off and whatnot. Meaning that money is not there to. actually spend on things we care about. is I'm guessing maybe you have $400 $300. a month left over. Okay. >> Right. If we're not paying substantial. like much on taxes. Okay. So $300. Let's. say it goes to 600. So $600 and it's. about like a $7,000 shed. So, I mean, it.

takes a loan almost a full year just to. pay off the shed before any of that. money even rolls in to paying off any. kind of debt, >> right? >> You did the math right there. >> Yeah. >> Okay. And that doesn't make us question. it. >> Well, I mean, it's a. want, but I would want to get out of bad. debt for the sake of our family, especially since one of the kids is. already going to school. Does he have a. college fund? >> No. You know what I mean? He's headed to. school. She doesn't. No college fund? No. No,

>> not that it's required, but a lot of. parents like to. That's certainly not. even in the picture with this kind of. debt. >> Paycheck to paycheck until I started. driving, and that was 8 years ago. >> Let's talk about student loans. I know. it's something we all avoid talking. about, but if your private student loans. are crushing you, why refi might be. exactly what you need. They don't rely. on your credit score alone. They look. for borrowers who have the desire and. the ability to repay. That is a gamecher.

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years. >> We have had Yeah. >> Yeah. Okay. So, you've had eight years. to build a college fund, but instead. we're $48,000 of bad debt. So, like if. you said 6 months ago, I could be like, "Okay.". >> Yeah. No. Yeah. I didn't I didn't know. I didn't I. wanted to, but yeah, I didn't feel like. we ever, >> guys. cuz I was on a really bad diet. until 8 years ago. Oh, wait. Oops. It's still there. Like,

okay. Uh, so what is y'all's relationship with. money together? Like, how are we. communicating? How are we budgeting? How. does this look from a household. perspective? >> He. >> I give her a certain amount of money per. week and then. >> like sugar daddy. Yeah. Yeah. Kind of. >> Yeah. I get $400 a week. Plus 4. That's the house for the. household stuff. Uh. >> so you're limited.

>> Yeah. For. >> the house. >> Yep. >> 400 hours a week, but you bring in. >> I pay. >> essentially more than that a week, right? >> Yeah. I pay all of the bills, but. >> Well, is that a household? >> No. Household for food, anything that's. needed inside the house or. >> groceries, gas for her. >> Okay. When Why are we doing it like. this? Why does our uh almost 40-year-old. wife need an allowance? >> Thank you. >> I. >> Oh, she said thank you. Oh, wow. Okay.

So, this is a disagreement. >> Well, this is how we came to an. agreement back when it started and he. became like doing trucking. >> So, eight years ago. >> Yeah. Um and yeah, it's been a while, but it was when I didn't when I lost a. job and didn't have money. I was like, "Okay, what how am I how are we going to. do this?" Yeah. Like I lost like my. actual main job when we first got.

together. >> Um and he was like, "Well, how about. this blah blah blah." I have always like. given him the control over the finances. of I didn't even have a bank account. because I put myself into overdraft and. no bank would give me it when I lost my. job. What's your favorite song? >> What's my favorite song? I don't know. Numa by Tulle. >> Can he hear Numa by Tulle in his ear? I. want to talk to her. Great minds, ladies.

and gentlemen. Great minds. >> Music. >> What? >> So, Miss Nicole, what is your overall opinion of this. allowance existing today? Why did you. say thank you when I confronted it? Because that is a I mean when you look. at it like you said it's the sugar daddy. thing or like here and I literally get. money on a debit card that is his in his. name.

>> What the why? >> Because that's how we've been doing it. for so long. >> Cuz you accustoed to change. >> No, I I just didn't want to argue about. it. >> Is there an argument anytime you bring. up having any kind of independence? Not necessarily. >> Then where's the fear of the argument? >> There was an argument about how much I. should get and he was giving me a lot. more years ago and this has been like a. couple times. >> I don't know. He kept asking for me to.

take less and less and I didn't. >> He's cutting your pay. >> Yeah. It was like. >> sugar daddy pay. Have you heard any. logic as to why? You never asked why. >> Well, it was because of credit card. debt. It's always because of credit card. debt. He needs money to put towards the. debt and I just trust him to take care. of it. >> Oh, you're in 48,000 hours of bad debt. >> Yeah. I didn't even really know. I. thought we were in 10. >> Yeah.

>> I don't know. >> It's a really [ __ ] up. >> You guys ever have Well, because of. this, do you have hidden purchases from. him? >> No. Not as. >> he from you. No, I wouldn't say that. We. like I know what he buys, but I don't. know exactly. how much he buys and how much he spends. on certain things. >> Do you guys get this house together? >> It's I My name's on it, but his.

>> Your name's on it. >> Yeah. But he it's in his like the loan. and everything is in his name. >> Is there not a sense of control here? That's a bit odd. >> It There is. And I've let it happen, I. guess, over the years of. >> And where does this stand today in your. mind? And where would you want it to be? Cuz. >> if I could if I had more availability to. work on my own and have my own like that. was the whole thing where the fee came. along. I was trying to get more of an. independent part,

>> which I get that, but. >> but again, you spend it all on writeoffs. and then he covers the taxes. So it's. weird. I'm not accusing this to be very. clear. I'm not accusing this cuz this. isn't how I'm reading the situation, but. take just the 10 minutes of this. conversation about the control of the. money. >> Mhm. >> Cut everything else sounds abusive. It's. not, but do you understand how it's on. that financial. >> Yes. Um, we talked about it when it was. going on. I was like, "Do you not. understand like what I'm handing over to.

you by. not having anything like but you to tell. me like here's this money for the. household. >> and all of a sudden the other side?". >> Yeah, it was Yeah. Nothing. It was. >> nothing wants to maintain control. >> Yeah, pretty much. I guess. >> Well, what can you do about that? That's. not healthy that you tried to push back. and tried to get some sense of control. and independence. Cuz when married, I'd. say it's ours, not his with a little tip.

for me. >> Yeah. And that's where I think a lot of. it where in my mind I say it's his. >> like. >> Well, how do you feel about the fact. that you did push back? You requested a. change. >> I did. >> He said no. >> And he Well, no. The only change I've. ever did was get a job and get my own. income. And then he asked me, can I get. can I give you less every week? Does he. have some obsession over his own money? Obsession over control. >> I think it's over the money factor and.

of not necessarily control cuz that's. not how our relationship was in the. beginning. But when I couldn't go I. didn't I didn't feel like I could go get. my own job. This was. >> What did he see that made him take. control of the financial situation? >> I gave it to him pretty much. >> But why was it requested in the first. place? >> It wasn't. It was like I said like you. requested it. No, it was kind of like. what can we do with you being out on the. truck? Because. >> who proposed the idea? >> I don't know. I think it was just a. conversation.

and it might have been me saying, "Well, you just give me the debit card and you. give me a certain amount." Or he might. have. I don't know. That was so many. years ago. I really couldn't tell. But. that's where it's been. I couldn't even. get my name on the bank account. Do you. recognize and you kind of already had. but I want to make it crystal clear that. there is some weird level of control. here. >> Yes. Yes. I know there is some weird. >> What would you want to see the change. be? >> I don't know more of me really having.

access to the accounts. I don't have any. access to the accounts. I think that. would make it feel a little bit better. and then discussing a budget for the. house for to understand like how much. money really it takes. I've been doing a. lot for our kids lately with my little. bit of income. >> Really? >> Yeah. >> Okay. All right. Let's switch it up. Good. Can you hear us? You good? Good. Good. Good. Good. Good. Good. Good. Good. You.

know, I want to know a little more about. this uh situation of, you know, the. separate accounts. When did that start? >> Uh, >> well, in terms of the you giving her an. allowance. >> I I mean, I think it was when I started. driving, maybe a little bit before that. >> Well, why why why did this situation get. set up? >> Uh, I don't know. That just seemed like. the best way to do it to me. >> I suppose how it happened. >> I'm not sure. I don't know. I think uh.

when I created a separate bills account. as a checking account was when it. started doing it like that. >> Well, why do you think that's the best. meth best method to do this? >> I think it happened organically when I. created the separate bills account and. she was just keeping the other debit. card. That was before she had Cash App. and. uh Chime and that stuff for her own. income. And so I was like, "Here, you. just keep this one.". >> Over the years, has she ever requested.

having more access, having more. independence, having this more joint? >> No. >> What would you do if she did? >> Try to figure out some way to make that. happen. >> Yeah. Okay. Ladies and gentlemen, a. financial audit. This is one of the most. exciting moments in this channel's. history. You know, I've been working on. building all these educational tools, our budgeting app, all this crazy stuff. over this past year, cuz that is where. my passion is. We finally did it. And. now we put it all into one program.

called Dollar Wise Central. You get the. premium version of my budgeting app. You. get the cookbook mailed to you and. signed by me. You get to learn about. debt, investing, budgeting, real estate, basic beginner stuff, and finance all. the way to the advanced stuff. collaborated by experts with the lowest. refund rate in the industry for a. reason. And guess what? Just for the. next 2 weeks, you can try it for free. If you are struggling or you want to.

learn more or you want to change your. life in any way whatsoever, like literal. tens of thousands of people have done. with our programs, go to dollarwise.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Dollarise.com. Let's go. Now, >> I mean, I I saw her being more. independent as her having her own income. stream. >> You not view it as a ours as a married.

couple? >> Yeah. >> Then why is this situation set up the. way it is. >> with an allowance for the household. while I provide the. >> Certainly. But couldn't she do that if. we were both in one account together. joined? >> I mean, I suppose I think like I said, >> that's what most people do. >> Okay. She didn't have her own account at. first and so. >> I created a separate bills account so. that she could keep that. And I mean, it.

just came from a budgeting perspective. of this is how much I can give you this. week. And especially since I was out on. the road, it wasn't, >> you know, that's a unique situation as. well. Like I I couldn't just hand her. the card to go. >> pay for Walmart. >> You get a second card. >> Yeah. But that's just I mean. >> Do you think this comes from any desire. for control in the finances? >> I did babysit her finances when she just. had a card at first and I don't think it.

was an allowance situation. >> Why did you have to babysit it? It was. more. me watching out and calling out. frivolous spending. >> Were you doing any frivolous spending? >> Was I or was she? Like that's what I was. I mean, yeah. >> So why would it have been bad when she. was and not you? >> It's not necessarily. >> Okay. Cuz I'm sure getting to like a. quarter million cards has required some. frivolous spending. >> Yeah, absolutely.

>> Okay. And if she came to you and asked. to have. >> I was not playing Magic at that point. So I mean yes that has required some. frivolous spending over the years but at. that point I was not buying. >> Are you a hobby swapper? >> Uh yeah a little bit. >> So you probably had something else. >> Uh video games. >> Okay. So if she said she wanted full. joint control control joint control. today thoughts. >> That's fine. Let's find a way to make it.

happen and find a way to. >> probably just go into the bank, honestly. >> Okay. I mean, I can't go to the bank. Ally doesn't have any banks, but. >> we can we can call them and be down. >> Yeah, 100%. >> Okay, >> good. >> Thank you. Thank you. Headphones. Thank. you, Colton. >> Okay, so a couple interesting thing uh. here. Um, you know,

Mr. Sam doesn't seem to really. understand why this allowance situation. started as much. as you. Now, he does he did take kind of. some responsibility, you know, thinking. it's more on him, but he doesn't seem to. know why it started specifically. >> I don't know. I just I think when he was. going into trucking school. >> and doing that and he had to leave for. like a month and stuff,

>> that's when it was like decided, okay, well, here I'll open this account for. the bills. Um because we were trying to. save up to be able to buy a house. He. wanted to uh do his credit. So, he like. opened up a bills account and then gave. me the debit card to that bank account. to not to the bills account but to his. regular checking account. And I was. like, "Okay." And he goes, "I'll just. like I'm I'm pretty sure this is how we. discussed it in the garage of like how.

to make this work since I wasn't able to. have income at that time or may it was. more it was harder to have my own. income." Well, I mean, he self-confessed. that when you had a debit card, he was. policing your spending. >> Oh, yeah. Very much. >> pretty hardcore. Well, he had his own. frivolous spending going on at the same. time. >> Yes. >> Uh, I had some friend of mine on that. I. did. >> We talked about it and that's I. >> I realized that was.

>> That's good. >> Yeah. Now, one thing that is going to be. I I want to hear both of your. perspectives talking on this now because. you both did have different answers on. something, >> okay? >> And that was the fact that over the last. couple eight years, she says she has. come up and talked about wanting more. control, having this to be joint. And. you know, not that you haven't you. haven't gone no, but it was kind of like. a little dismiss, a little walk away, you know, a little a little like hope. this goes away type thing. And you said.

she hasn't done it once. He says you. have not done it once over the last 8. years. >> I I don't know. Like. >> I have How about this? It was It would. be more of me complaining that I don't. have access or being able to see. something. >> That's basically asking though. >> Yeah. I I was dropping hints like, "Hey, this should be. >> I don't do good with hints.". >> And he's not very good. >> That's pretty basic though. Hey, I don't. like that I don't have access. I wish I. had access. That's not a subtle hint. I.

would just be like. >> I I don't think that's how that. conversation went. But if you want to. frame it that way that's fine. >> Well, I mean that's how she's more. framing. >> That's how I'm framing it. And I guess. it's just would be me saying little. things and I probably haven't done it a. lot because once like if I would have. made the comment once and it didn't take. I would have just gave up on it. So. >> I like this was a a friction issue I. >> I would have taken care of it before. Yeah. >> Well, he says he's willing to get you. fully joint today.

>> Okay. I would like that. >> Yeah, I'd like to see it. >> I'm curious if it'll actually happen. I'd love to find out. >> Okay. >> But I hope it does cuz I think that. would be good cuz we got to sit down. We. got to talk on a monthly basis about. what happened with the money last month. What do we need to budget? What are our. goals that we want to do as a couple, as. a married couple? What do we have to do. in order to get there? Exactly. What we can never do if we. don't both have access. If we don't know. what is going on, then we never will.

>> I just gave him total trust and control. because I did feel like since I was a. stay-at-home parent, you know, and I was. doing a lot, he was paying for my gas to. take care of my mom and blah blah blah. and all this that it was okay. Yeah, this is what I get and I was okay with. it. I'm very uh what is that? just. like a I don't know what that's called. You know what I mean? Like pacifying. Yeah. Like it's fine. It's whatever. And. I make up my own excuses.

>> Like I said, I think this happened. organically. It wasn't out of any desire. for control. >> Okay. I want I'm going to go 3 2 1 go. And on go at the exact same time. I want. you guys to give me what you think your. household financial score is. 0 to 10. Zero being the absolute worst, 10 being. the absolute best. Okay. Three, two, one, two, >> one. Sorry. >> Okay. >> If you want your financial score, take. the assessment. It is free at. calebmer.com or dollarweise.com. Just takes a few minutes and you'll see.

where you stand in the world of. finances. And if you don't want to be. like a guest who ends up on the show, make sure you download the dollar wise. budgeting app. Take the free trial, sign. up for the annual version if you want to. save a lot of money and get our budget. friendly cookbook signed by me and. mailed directly to you. Remember, you. can get the extra special version. Dollar wise central free trial right. now. got all our education and the. premium version bundled together. All right, let's get into these documents because. we got a lovely amount. I have a feeling. >> stack of paper. >> I have a feeling this is going to be.

kind of your first time seeing a lot of. this. >> Yeah. Yeah. Which is interesting, right? >> I would suggest that that is. interesting. >> Yeah. Yeah. Like I have no clue of like. what is going on. >> Have a clue though. talk about it. >> kind like I I just don't do the math in. my head I guess. >> I'll do some guessing math. >> Yeah. Okay, there we go. >> We know kind of what comes in, what went. out. Well, actually what went what came.

in total which included mother-in-law. rent and social security deposit, cash. app draw down, wife payroll, cash app in and husband payroll all. accounted for $6,874. Good. What was spent? What month? What. >> was spent? And that includes some. interest happening as well. But what was. spent? What do we think? >> Uh I would. at least seven. >> Okay. >> At least seven. >> At least seven. So more. >> Yeah, more. Oh, for sure. >> That's not good. If we're giving.

complete control over out of trust to. pay off the debt, that wouldn't be good. if it was more. What do you think? >> No. >> Was under I think it was like 475. 5,000. >> So you'd make about $2,000 of progress. that. >> maybe. Yeah. Okay. Well, it was $8,330. >> That went out. >> So, that was $2,000 more. >> Yeah. >> Yeah. >> Okay. >> I knew I had a closer amount cuz I know. I know I spend quite a bit and I I don't.

>> You're giving only 400 a week or. something. >> Yeah. I Yep. >> Plus what she brings in. >> plus what I bring in. And. >> going out to eat alone is basically 900. bucks. Miscellaneous bull was another. 900 bucks. Uh going out to eat right. now. My fridge in my truck is busted. And so. >> How much does that take to fix or get a. new. >> $15? >> $15. >> Okay. So it's been broken. >> Yeah. It's it's I just haven't done it. yet. But it's a reason, not an excuse.

Like that's. >> it's a reason, but your reason for not. doing it is invalid. Especially. >> I didn't give a reason for not doing it. >> You said. >> Yeah. Well, why haven't you done it? I. thought you said. >> I just You asked how much it was. I told. you how much it was. >> Why haven't you done it? >> I just haven't. It's kind of a pain in. the ass to get back there in a tiny. little space. I just haven't done it. I. should have. >> to me destroying our financial future. Yeah, >> it's easier to go out to eat than to. >> Sure is.

>> I do. I got to give him credit. When it. first broke, he tried to take our little. cooler that you plug in and you're just. taking it somewhere. No. Is there someone someone that might be. able to fix this? >> I can fix myself. No. >> Okay. But you're not. That's correct. But I. >> No, they won't fix it like through the. company. >> It's a mini fridge. And. >> I know, but like a handyman on like. >> Dude, they want like $300 for something, >> dude. But it's literally $900 going out. to eat on a monthly basis and hasn't. been fixed in multiple months. $300.

would have saved us. >> Yeah. >> Like I'm not saying do that. I would. rather you fix it, but you're not. >> All of that 900's not me. >> Well, that's fine. And we still went out. to even 900 which is $900 more than we. should cuz we spent $1,700 more than we. brought in last month. And then again. there was another $900 of miscellaneous. bull. $83729. to be exact. So that's miscellaneous. [ __ ] because I just find it easier. after running. >> It is easier. But you know what's not. paying off all the debt that we're. acrewing, especially if we're spending.

more than we make. You know what's not? Our kids not having a college fund and. then putting everything on them. You. know what's not get all of a sudden our. credit just goes down and our car breaks. and we can't afford to be able to get. another car or interest rates absolutely. when we get a loan for one. Like we're. just putting ourselves in such a. dangerous position. Let me be real with. you. You can't fix your finances if. you're running on 4 hours of garbage. sleep every night. And I'm not talking. about staying up late grinding. I'm. talking about tossing and turning, overheating, waking up more tired than.

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that. But I don't think about it every. day. Small fix. Yeah. I. >> I go out to eat probably twice a week. because of laziness. And now you gave a. reason. Let's be honest. Yours is. laziness, too. >> I said it was over. >> No. No, you didn't. I asked for the word. lazy, but I said I just haven't done it. I should have. >> Hey, remember. Remember big guy, >> we're not very good at picking up clues.

>> So maybe say the real word. >> I'll spell it out next time. >> No, you just got to say it. Capital One. Quicksilver. Whose card is this? >> His. >> Do you have any? >> So all the debts yours? >> No, but my Mine's on there. Like he he. uses Legally. It's mine. >> Yeah. But legally it's his. >> he has them at all times. Do you have the city card and the Kohl's. card? >> Oh, I do have the Kohl's card. No, I. don't have the city card.

>> It's at home. >> Oh, okay. $8,343.54. with a minimum monthly payment of $283. Now, there was a $2 purchase. I don't. really know why, especially since $200. of interest is acrewing on this card. that is basically maxed out. Takes 25. years to pay off. By the way, minimum. monthly payments only without making any. purchases. Oh, we make purchases. So, I'm sure that'll take even longer. >> But the $2 purchase,

>> Google, I've tried to tell you that. Google. >> your Google crap's coming out of that. >> Why? >> I've tried to get you to look into it. >> I don't think that's my Google. >> I don't have any Google subscri. >> Yeah, it's my storage. So it's yours. >> But I thought I paid for that. >> And you can pay for it. Just put it on. debit. Like you're putting on a card. that has not been able to pay off that. is acrewing interest. >> Yeah. No, I didn't know that. I honestly.

thought that I was paying my. >> He says he's told you. >> and he has and I've looked into it and I. have I could have swore no matter what. I've tried to change it over to my debit. card. >> You know, it's literally like four. clicks on mine. I've changed mine like a. thousand times. >> I I get it. But I could have swore I. changed it to mine. Oh, okay. I will. Fun fact. Didn't. >> I did not, I guess. >> Okay. Well, again, 25 years to pay off. So, we're talking at that point, you.

know, you're going to be in retirement. age. >> No, >> I make more than the minimums. So, >> yeah, it was a little bit more than. minimums. But listen, if you were. substantially making more than minimums. on a consistent basis, which is what. you're kind of setting up, that's almost. what you're qualifying and you're in the. way you're talking right now, you would. be substantially below the max. >> correct. >> the credit limit. You're $150 below it. >> Yeah. >> So, like let's not bring that energy to. it. Like for like in reality, yeah, you.

probably did it once or twice. A little. bit more. >> There' be a lot more progress. The But. isn't that the one that we tried to pay. off the quick server? >> Tried to pay off. What's this tried to. pay off mean? What do you mean? >> I that we put money from the taxes like. two years. >> We haven't had money toward from. >> Yeah, I know. Like two years ago. >> Oh. Um maybe. I don't know which. >> two years ago. We're talking about.

trying to paying it off two years ago. It's Max. >> I get told all the time it's I need to. put money towards the credit card. So. that's I was trying organized, are you? >> Yeah, we don't talk about none of like. we don't Yeah, we're not organized. >> $1,500 this year alone in interest, meaning 3,000 hours this year total is. what it's going to be in interest on one. card. The very first card taken from you. guys. That is a half a month of. household income that will be gone in. just a single year. I'm sure it's been.

maxed out for a while, right? Or did we. just build it back up? I don't know. >> We build it back up, right? or I mean. >> she doesn't know like you're so. confident. You don't know these cards. You don't talk. You don't see. So why. >> because I do hear like we're putting. money towards that. built back up. Uh it hasn't been. utilized for quite a while other than. that two. >> When was it built back up though to max. cuz again it's only 150 bucks away. >> I mean it's been there for a year and a.

half. >> Yeah. That's not that makes sense. So. when we say we make more than the. minimums we the last two months, right? Or are we talking like $2 more. consistently? No. >> If it's been two years and it's only 150. below max, what are we doing? >> So I'll pay over minimums on one of the. three cards and try and get that lower. and then I'll hit a time where like. either I'm taking time off or uh just.

>> How much time you taking off? I mean, usually it's not more than just taking a. long weekend. >> Okay. So, taking PTO, it's not huge, but. then PTO. >> Trucking is variable. >> It is variable. >> Like sometimes I get broke down and if. I'm driving, I can make $ 35 $40 an hour. if if you break it down to hourly. >> But if I break down, I'm making $20 an. hour. >> You did tell me you made anywhere from. like 80 to 90 a year, though. Is that.

calculating that in or is that. calculating nothing goes wrong? >> No, that's calculating. That's like. >> Okay, then there shouldn't be issues. That's an incredibly strong income, especially for Northwest Arkansas. I'm. guessing what is that? Walmart. >> Yeah, >> Walmart area. Yeah. >> So, >> I guess the parents of Boogie 2998's. [ __ ] like child pride. >> What? >> Huh? >> What? Boogie? What? What is that? Okay. So, >> I don't I have no idea what that is. I.

want to know. Now you have me intrigued. I want to know. >> Mhm. >> Mhm. >> Okay. So, that's calculating it in. So, that shouldn't be an issue then. Like, I. understand that part's hard, but if. we're making 90 year total in a cheap. area of the country, >> uh it's an expensive area of a cheap. area of the country, >> which is still a cheap area of. >> it is. It's uh I mean, yeah. I mean, if. I'm in the most expensive town in. the middle of a field, it's still pretty.

cheap. Okay. So, I But 90,000 just stretches. really far there cuz if we're talking. median household income in the United. States, we're talking about 65. So, you're already well beyond that. And I'm. sure for your area, you're dramatically. beyond. Okay. We have another. quicksilver. So, two quicksilvers. Is. this Who'sse is this? >> Mine. >> Okay. So, if you're the one trusted with. finances, why do we have a card that is. over maxed out and the one previous was. just under?

What's going on? You're the trustworthy. one. You're the one that took control. Why is this over maxed out? >> Cuz I have impulse control issues. I. >> So, why should you be the one in. control? >> I never said I should. >> But you're the one that claimed it. >> I I am the one in control. That doesn't. mean I should. >> You put in action to do it. Nothing just. happens without action. >> Okay, >> interesting response. I mean, I think we. can objectively agree that someone at.

least made a decision at some point. >> I think we both decided, but yeah, I. give it to him to do it. >> So, why let's pretend it was all you and. you not him because he doesn't like open. before I open them, I come to her and. say, "This is what I want to do.". >> Yeah. Only in the past couple years has. he just like. It just did what he wanted with him. >> Why have you given up? >> I be I think it was because we got the. house. Once we he reached his goal of. getting the house, then it was like,

well, now I can just use it how I want. >> So, our retirement doesn't matter. together. Our kids' future doesn't. matter because we got a house. >> I don't. >> No, >> I'm just answering from my perspective. >> What's your perspective? >> Oh, yeah, sure. No shame. >> All right, we're back. We had a moment. to cool off. I appreciate it. Yeah, thanks for thanks for coming back.

>> Uh so again, we were talking about this. quicksilver card. We're over the limit. on this. So yeah, >> at this one the limit is $8,000. >> $8,26.33. cents is owed with a minimum monthly. payment of 261. 24 years to pay off. So, we're both both of these cards alone are. getting our into our retirement years. $181 of interest acred and it's a again. the cap is $8,000. So, we're over by. $26.33.

>> It's like buy a new bed, new furniture. >> When did we do that? >> Bed was 2 years ago. >> Yeah, two years. >> So, so why are we maxed out over maxed. out today though? the limit. We we put a. little bit and then we'll spend it on. like stuff around the house or like. Christmas or certain things like that. >> Back to school pops up. And. >> why on this card though? >> He just.

>> Why on a card that's at its max? >> I don't know. >> I mean, it wasn't maxed when I put the. stuff on there. >> I think he just does whatever's free. Whatever card. So if he's paid that one. >> free whatever has space. >> Yeah. has space to put it on. >> I mean just using that word itself is. what makes me nervous of where our. mindset is with money with what'sever. free. >> Well no sorry I was he knew what I. >> know you'd like to talk about credit. card people and not credit card people.

Definitely a. >> I was a credit card person for a while. and then when it got out of hand, >> I don't know, something flipped and I. just I didn't care about that. >> I mean, it was prior to uh. >> that's what I was trying. >> It was prior to me starting driving. where like we were kind of cuz I was in. driving school trying to make ends meet. and stuff like that. I think that's when. one of the second ones got opened and I.

it. >> What made you lose the care though in. your own reflection? >> Yeah. >> Uh I mean when it felt like it was out. of control. >> I. >> Okay. >> It's a bad decision. >> Spiraled into the out of control. Like. what what was some of like I just I like. a little reflection, you know, going. back there. What do we think made it. spiral? And then what just made us not. care once we saw his. >> uh the initial thing was going to truck. driving school and not having income for.

you know. >> we didn't have any income. >> No. >> No. >> How long was that? >> That was for like a month. >> Okay. Did we have an emergency fun? >> Weeks. I had You're going to hate me. here. >> I had uh dispersement for my 401k that. >> Okay. I the job I quit to get. >> that's even more concerned about where. we're at. >> Money from my dad. >> Oh well the 401k thing is even more. concerned about where we're at then cuz. again if we're in what was it $47,000.

of bad debt. >> at. >> almost 40, >> you know, we can we can take in about 20. years from your guys' lives right now. You can start withdrawing money from. your tax advantage account penaltyfree. But what kind of retirement even we're. looking at? Remember taking care of your. mom heavily right now, right? >> Yes. >> Yeah. >> Heavily right now. Now, a lot of it is. because the medical. Absolutely. But do. you want to be in a position where you.

look 20, 30 years down the line because. you guys decided to live for now. >> instead of actually preparing for your. retirement, your kids are going to have. to put their lives on hold. They're. going to have to take sacrifices when. they're around your age to take care of. you. And even if it is medical, if you. guys are prepared, you will be able to. then more be self-sufficient. Maybe inh. home care for yourself, you could pay. for in your own house without having to. rely and put a kid's life on hold, right?

>> Yeah. >> And that is what we're selfishly doing. right now. >> Yeah. I never thought about it like. that. It's a more of living in the now. than Yeah. I've always been that type of. person, though, and it is hard for me to. change that. >> Really bad impulse control. >> We're maxed out 1,000 hours this year. alone so far. So, that's going to be two. year $2,000 by year's end, which. combining that with the last card, that's about an entire month's worth of. income is going to be taken from you. guys on two cards together. >> Oh my god. >> One month of you guys working only goes.

to pay for interest on two cards. >> This is what it's going to look at by. the end of the year. >> I I had no idea. >> So, this is a 26.99% interest rate. >> Okay. We have a Discover card. >> Yeah. >> This is you. Mhm. >> He's taking both of us. Like I said, it's under his name, but he has more. control over it. But I I financial. decisions are joint decisions, >> right? But you ask him to purchase.

You're not going out there and swiping. >> Yeah. >> I will ask him, "Hey, can we use this. for like. >> Listen, once behavior's changed, we can. get you on something like the Fizz card. cuz it works as a debit card. only lets. you spend what's in your checking. account, but it builds credit again if. we care about something like that. And. once you get back into the career field, I'll get you a course career. certification as well to try to uh up. your resume to get back into the. workforce. >> Yeah, that was my other bit. Because I. have been out for so many years, it. makes it harder for me when I'm. applying. >> If you're truthful on your resume, yes, it does.

>> And I don't like to lie. So, yeah. >> I mean, can just It's not. >> being a caretaker for her mom for. medical reasons. Is that. >> potentially? I guess it Yeah, potentially. Uh I'm curious what Okay. What career field are you trying to get. into again? >> I mean, I would. >> It's years down the road, so it's you. don't have to have an answer now, but if. you do, >> if I did, it would be some kind of. counseling. >> Okay. Then that actually could be a. little beneficial. Okay. >> If we're able to list the skills that we. used under the caretaking as some sort. of like helping and support and.

counseling that maybe maybe that could. help. Okay. So, this discover it. It's. discover it is 3,000. Okay, just again a. couple hundred under max. $3,98253. Minimum monthly payment of $117. 21 years to pay this one off. Minimum. monthly payments only. No purchases, but. no purchases were made on this. >> Yeah. >> No. >> Looks like your credit score is right on. $700.

>> Okay, that's Yeah, these are all just. chunking. They're just so close to max, which is what's so scary. Yeah. >> $668 of interest on this year alone. So, it's going to be like, >> you know what, 1,200 bucks by the time. the year's done. >> So, now we're eating into the second. month's worth of income. Where do you spend your money that are. write offs or deductions from your taxes. for your business, your tow business? >> Where do I spend like my money?

>> I do it off probably my Chime. My Chime. account. Was it a business account? >> No, it was just. >> doesn't necessarily need to be, but it. definitely helps with organization and. protection. >> that it that was. >> How are we doing our accounting? So, we're using a CPA at the end of the year. >> and they have access to everything. >> Yeah. >> Okay. >> Yeah. I just kind of mark down like a. general I always underestimate like what. I've spent on my stuff. Like I try not.

to like be like, "Oh, crazy a. deduction." But I do like do a good. amount for my nails and my toenails and. stuff like my pedicures and stuff. >> Okay. City Custom Cash. This one is. about halfway. So this one's not at. actually I would say about a third. Who's City Custom Cash? >> It's mine. That was a balance transfer. about a year ago because it was an. intro. >> From where? >> From what? >> From where? Where was the balance. transferred from? >> I think it was from the Discover. It was.

from one of the cards. >> So that's what makes me nervous, right? It's like, I get you signing up for this. program. It might take less of a credit. hit. Might incentivize you to open up. another credit card. I don't know 100%. I just need to make sure we change your. behavior before we try to take this step. and feel like we made any progress by. signing up for a program from a. psychological perspective because look. what we did when we when we transferred. over. Then we built Discover all the way. back up again, right? >> Yeah. >> So, that's what happens every single. time in the history of the show. Honestly, anytime anyone does a. consolidation or personal auto transfer,

>> oh, we'll get to the consolidation. and bankruptcy people do it as well. >> So, $600 balance on here, $41 payment. Again, I'm glad there's no. >> I don't pay the $41. I pay $100. So, that I will be done with that and there. will be no interest on that. >> Oh, it's in an interest rate period. until 12 months. Yeah, but you know. what's interesting is I wouldn't even. necessarily do that strategy. Now, if. we're paying this off quicker because. it's the minimum because it's the. smallest and we need to hyperfocus all. of our extra money towards it instead of. a little extra here, a little extra. here, a little extra here. But even so,

it's not necessarily the need to pay. this off before interests unless there's. deferred interest. But I don't see. deferred interest happening. If there. was deferred if it was deferred. interest, that's yeah, we need to pay it. off before interest occurs. But it. doesn't really make mathematical sense. to throw this to a card because it's. interest free just to pay it off before. interest starts cuz there is no back. interest that hits. Now if we're paying. it off quicker because it's the smallest. and we're trying to snowball that would. make sense but then it wouldn't make. sense to put extra towards Capital One.

quicks over discover it either. >> and that's what he's been doing just a. little extra on all of them. >> because that's not any debt payoff. strategy. You know we we do their. snowball method is smallest to largest. Avalanche is, you know, highest interest. or big uh largest interest to smallest. Those are the debt payoff strategies. There is no debt payoff strategy that's. like a little more here, a little more. here, a little more here, a little more. here. That doesn't get us anywhere. >> Obviously, I have not done well with. that strategy. >> No, he's been doing that for years.

>> Where would you guys say all the extra. money goes? Obviously, we talked about. some categories and percentages, and I. have we'll get to the spending. throughout, but where from your own just. perception, does all this extra money. go? >> Uh, eating out when we shouldn't. Um, I. haven't bought cards in a while, so. that's not as much of a thing anymore. I. am willing to sell. >> He He did a big chunk with just like. buying. I was selling chunks for a.

while, but since I'm out on the road, you have 24 hours to mail, so I can only. have my store active. >> I could. >> I mean, she could I tried to teach her. She didn't really want to. >> Yeah. >> Well, I mean, why learn? >> The Well, the fact of. moving and finding it in the. >> hard they they're heavy and if you you. can get lost in them. Oh, I'm sure. But. this might be a money thing because.

we're trying to Well, honestly, we're at. the point if that's not one of your. heavy passions anymore, or even if it. is, keep the ones you care about. We. just need to sell. >> That's what Well, and that's what I kept. saying to him. I was like, I what, you. know, and I just Yeah, I need more of a. knowledge. I guess that's where the shed. thing came along of like it would be. easier for me to like. focus. >> You did not listen to rules. >> I did not I didn't I don't I didn't. remember. I have it on vibrate. That was. my alarm. that I forgot to turn off. I'm sorry.

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and a 4% APY booster on any uninvested. cash. It doesn't get better than this. So, stop overpaying for a platform that. gives you nothing back and make the. switch to Weeble. Go to weeble.com/kaleb. or hit the QR code or the link below. Let's get back to the show. Right. Okay. This Capital One's Coohl's. card is paid off every month. So, I'm. not going to write that down, but I am. glad to at least see that. I mean, there. was like a. >> We just opened that. >> Hold on. >> Pass duffy.

>> That was me. That was. >> Why? >> Because I didn't know. >> She said she'd pay it and she didn't. went the day after. >> I went the day after. >> Why though? >> Cuz I was incorrect on the date and. wasn't it on auto? >> I that I I couldn't make it. I don't. have access to that account like that. So, >> but you have access to make the payment. >> Yeah, because you go to you go to like I. would have to literally physically go to. Kohl's to make your credit card.

payments. She has one. >> Yeah, >> she has once that's not a every time. strategy. She said she'd take care of it. and so that's how she could do it. >> And I bought makeup on it. So, yeah, it. was my responsibility. I took I take that late fee. responsibility. >> What the It's so weird. >> That was so stupid. Yo. >> No, that's so stupid. That's the second. one this year.

Did we know that? >> Yeah, it was both me. >> Well, I know that. But we know that it. was two this year. >> Yeah, I guess. No, I really thought it. was one, but you. >> Well, it wasn't. I told you when the. second one happened that you had already. done this. >> I kept doing I kept thinking like. >> yeah but if you it up the first time. then how do you how do you not take. extra caution into the second? >> I suck and I don't put in my. >> I suck. Oh shut up. What? That's a. dumbass. That's a bull excuse. >> Well, I don't.

>> take a little bit of responsibility. I. suck. >> I tell myself I'm going to put put like. it on my calendar like this is oh it's. due this time and why don't you? >> Because I just don't. It takes. >> I end up forgetting. >> Oh my gosh. It's a half a second to put. something on your iPhone calendar. >> I know. He tells me all the time. And. >> just tell Siri. >> Yeah. No, I don't have Siri. We have We. have Samsung. And. >> Okay. You just tell Google. >> Yeah. Google or Bixby, but Bixby doesn't. like to listen to me all the time.

>> It likes to argue with me. But yeah, I. do take responsibility. I told myself I. wouldn't let that happen again. >> But you did. >> I know. I That was barely. meaning. you're untrustworthy. >> It's true, >> man. Drive is. >> So what are you going to be like when. you have access to the full account. then? >> What do you mean? >> Are you just going to destroy it? >> No. >> What? >> I wouldn't be because I would be more. responsible. I think. >> I Oh, wow. What a That makes me trust.

you so much. >> I I believe it. >> That makes me so confident. What do you think? It didn't just give. me a massive amount of confidence. >> Does it inspire confidence? But I. >> don't want to feel like I'm keeping her. in the dark about things. >> I don't want that either. >> I have shown better from that on my. account. Like I borrow money and I get. it back and I pay it back all the time. >> You're borrowing like little cash. advances?

>> Well, yeah. like thermite ther the. >> come on which can be an okay tool but. not but people can't. >> you would agree I had a tire thing okay. >> a tire thing. >> I had to get two new tires. >> talking about deferred interest. >> yeah and this they were going to charge. >> that's deferred. >> yeah they were going to charge me over. $1,000 for $450 for these two tires. >> but it was like two 3 months whatever. same as cash. >> yeah 3 months same as cash and.

>> you did it in And I what I did Yes. in. time I made sure that I I what I did is. I borrowed the money from Cash App and. paid that off because it was cheaper. >> But she didn't actually pay it off with. the [ __ ] money. She borrowed to pay. >> but it was cheaper. >> Debt for debt. >> Yes, it was debt for debt. But it was. >> I don't debt for debt. >> I It was that or I paid the $1,000. So. >> yeah, the bill that it was. >> Yeah. Yeah. that it was, but it didn't. It only charged me. Cash up only charged. me I think it was like 50 to borrow.

>> So you still paid a fee to make your. bill. >> I did. >> No, I would not advocate for that. >> Okay. Well, I thought so. In my in my. mind that was better than paying the. $1,000. >> Okay. It's not a dead as far as I can. tell, but money in 16 uh what? 1,60. Money out 1,1006. And then if you to have it loan draw. down Kohl's Kohl's there's the loan draw.

down Jack's ice cream tropical smoothie. Ozark's CocaCola trying to write out. that off on your taxes too I bet Slim's. chicken. >> making a payment to. >> in a certain town. >> Yeah, we believed it. Popeye's Zisk Rich. Freddy Wood McDonald's Brew Coffee Harps. brew coffee McDonald you dude you make. no money you cannot do this this is just. [ __ ] if we're doing separate like.

you you just can't get this and if we're. doing combined you you can't get this. cuz you have $46,000 of bad debt anyway. >> she has a big seven brew habit. >> I do. >> well not anymore you're brewing at home. >> okay. >> at 700 a.m. Yeah. >> Little sweet paradise seven brew coffee. and Taco Bell spent so much going out. and getting [ __ ] when we have such. substantial bad debt. Unacceptable with. three children. Unacceptable.

The Discover personal loan. What is. this? Is this the consolidation? Oh, what did we consolidate? Cuz we are. at $21,3852. What did we consolidate? >> Give you three guesses. First two don't. count. >> Oh, me. Okay. And then we built them all the way back. up. >> Christmas. Yeah, >> you guys make actually really good money.

to be able to do all of that. >> That's what I never. whatever. I say I don't know. >> I tried to have her do Christmas. throughout the year and she's like, "No, let's do it." Oh, the same. >> You give me the same amount every week. or just. >> So, how am I supposed to do that? >> Why? Because you can do Christmas. together. Just set a Christmas If we. want to do a big Christmas, set a. Christmas fund aside on a monthly basis. You don't have to buy You don't have to. buy throughout the year, but set the. fund aside. >> I do like that idea. I I I guess I've. never thought about like just making a. fund to put into throughout the year.

It's what my mom does. I don't know. I. never thought about it. >> Okay. It's. >> at a 12% interest rate. Better than. credit card. Sure. But doesn't make the. difference when we built the credit. cards all the way back up anyway. This is This is insane. That's $21,38. This debt is immense. This debt is immense. What's Servey. Solutions? >> That's a mortgage. >> Yeah, mortgage. >> Oh, thank goodness.

Thank goodness. Okay. Love the interest. rate. 2.875. >> That is why I will never ever refinance. >> Yeah. $169,575.114. Minimum payment also great cheap area. $1,234. cash. Can't even get a room that cheap in. Austin, but that's incredible.

>> All right. >> Yeah, we're never moving. >> That's a second position for uh down. payment assistance. It was a. >> to the house. >> first-time home buyers program. >> What's the house worth? >> Uh right now it's worth close to three. probably. The. >> Okay, so at least we got an equity. position. >> We do have equity. and I've been paying uh over on that. >> Yeah, he's been trying to clear that. >> minimum. But the interest rate is so. small. Why?

>> Yeah, >> just to get rid of a payment. >> Honestly, I wouldn't necessarily do it. because it's not the smallest balance. I. wouldn't put because this is neither. smallest bands nor highest interest by. far. So I actually would not put. anything extra towards this. >> Okay. >> That's it's an $80 payment. $88.37. >> Yeah, >> typically. Okay. No. Uh listen, maybe I. would attack it if we didn't have an. equity position and the market was kind. of flat there since you bought it. But. since it's gone up so substantially and. you guys have an equity position which. protects you in case of needing to sell.

for whatever reason. >> No, I would just minimum until it's. done. >> Okay. >> What? >> Nothing. You're on my bank account. >> What's the which one would Well, I guess. we'll get there. Let's. >> The debt payoff strategy. Yeah, we'll. get there. So, credit builder account is. you. >> chime. >> Yeah. >> Okay. So, you know that's you put in, you pay off. Put in payoff. What's this. [ __ ]. >> Yeah, the same. >> Home Springs, Misque, Miscellaneous, and.

Dominoes and Seven Brew. We're back. Roblox. So, we're letting the kids spend. on Roblox there. >> That's my youngest. I make her sweep. every day for She gets five. She gets. $4.99 per. >> per. time she asks. >> Yeah, it's Well, it's about a week. >> Okay. Why not just do a weekly. allowance? That's what I do. No, sometimes, but. >> Yeah. But she sweeps every day. >> Vaping cigars. >> The other two. >> Who's doing this?

>> Uh, both of us. >> What do you guys vape? >> No, we want to be around for our kids. We don't know long-term consequences for. vape. >> Smoking after 20 years. >> Well, that part's good, but. >> and my plan is to quit vaping. And. >> our kids are always cracking down on the. types of vapes they're allowing and what. can be sold. >> Well, I wish that wasn't the reason. Neither one of us are Well, it's not the. reason, but it's definitely a kick in. the butt. >> Yeah, it's to help me do it. >> And neither one of us are going to go. back to smoking, so we're just. >> I'm never going back to smoking.

cigarettes. >> Now, when you told Colton that you were. negative on this account right now, does. that mean you paid more than you owed on. it or are you saying you're like over. >> I'm overdraft? Like I Yeah, it's bad. >> Do you even know this? >> Oh, he knows. What the So again, what. happens when you get access to his the. main checking account? >> I I. >> if you're over overdrafting on your own. small one, >> I would just for the sake of Seven Brew. >> Yeah, it it would be for Seven Brew. I.

just I I haven't been able to get out of. overdraft. I helped with a lot of. >> stuff. Yes, I agree. >> We're vaping and Seven Brew and probably. vaping and getting some more Roblox. tropical smoothie. Hot Topic. >> That was for my daughter. Honey Bee 7. Brew. Going in getting some BS. Probably. vape. Probably vape. Weer snitchel. Probably vape. Amazon. Amazon. What the. are we doing? What are we doing? Credit.

builder. Endless fees for days. Okay. Ally. So, is this the main guy? What is this? Shouldn't be. >> I don't know. >> Ally like. >> well spending accounts uh literally. ended at $22. >> That would be the her account. So this is two accounts down in a row. Hey, >> plus cash app being brought down. >> I don't ever know what's on that. So. sometimes I do make purchases have. enough on there. >> Oh, and this is for AMC,

Domino's, uh, Cash App, Amazon, More Vapes, Cash. App. >> Yeah, cuz I send the money to my Cash. App. >> Taco Boo. Bokeh. Taco. Oh, took bokeh. Toco Bokeh. >> That's my daughter's. >> Yeah. >> Another Google one. You have two Google. ones. >> See, no. That's what I'm saying. I don't. appeal. Cash App. Microsoft Apps Mountain.

Cash App. Roblox again. More vapes. And. then going in and getting some PS. So, you also stop at the gas station. You. get some [ __ ] quite quite often. A. couple times a week at least. >> No, I just. >> You 100% do. No, cuz you're not going in. and getting $3.40 of gas. >> My Red Bulls, I get or. >> Okay. Yeah, that counts. >> Yeah. >> Yeah. Let's do that instead of our. household's future. >> Just lately. >> Okay. Is this the main account? The one. that ended with 48,000. 4,900 came in. 4,900 went out. Is it the main account?

I think so. >> Cuz that's a dangerous balance. >> Or is that the So, >> it's scary to have $48. >> After the tariff blow up. >> Uh, >> curious to see how this Oh, trucking. Okay, >> it has taken a hit and. >> uh so freight drop. >> but I do inter modal and so most of the. stuff that I do. >> and most of the stuff that flows around. America is imported. >> Yeah. And so. >> it's going to take a while to do a big. drop.

>> and we relied on me working overtime. >> Yeah. >> And we don't have any overtime anymore. >> You're still projecting about 80 to 90. this year though. I think when I just. did my uh. my annual review, but that re that's the. first part of the year where I had. overtime. I think he projected me at 84. >> That sucks. >> But with like I said, if I'm projected. at 84 and that includes a bunch of. overtime.

>> Well, to be clear, we're relying on. overtime because again, we spent minimum. a couple thousand hours in [ __ ]. alone. >> So, I mean, we just have to make. changes. We can't live the same. lifestyle. >> Absolutely. We've been living above our. means. >> Yeah. >> Okay. Winning got some BS. Cox community. internet. Okay. Yeah. McDonald's. Venmo. But that's sell payment to data says. Dairy Queen. Dairy Queen. Wendy's. KFC. >> Allied refreshment. Audible. I'm okay with the Audible thing. especially cuz driving. I'm okay with. that. But the thing.

I would rather fix. >> started listening to Spotify. >> audio books. Yeah. Uh, well, not even. the audio books, but podcast on Spotify. and so I've paused my Audible. Um, our. internet bill is lower, but then yes, I. just need to fix. >> Okay, we're going out to eat like crazy. cuz we just need to fix this fridge, dude. >> I just need to fix the fridge. So, go. win and got some BS. Win and got some BS. cuz obviously you're stopping at gas. stations on the road. I would just try. to buy in bulk and keep things. >> I do like try to use my points as much. as possible because I get rewards points.

for fueling. >> Okay. Hey, how much raw gamer subs? Got some. gamer subs. >> Uh, that's instead of doing energy. drinks, that's what I drink. >> He drinks the gamer. >> I buy those. >> Well, isn't it an energy drink? >> Mhm. >> Yeah. It's. >> You buy the powder. >> It's like a little tub of the powder. And so I make it's it's caffeinated. Kool-Aid. >> Yeah. McDonald's. Little amigos. Went and got some BS. Went and got some BS. Bojangles.

>> Bojangles. >> Door Dashing. Ch chick chick chick chick. chick chick chick chick chick chick. chick chick chick chick chick chick. chick chick chick chick chick chick. chick chick chick chick chick chick. chick chick chick chick chick chick. chick chick chick chick chick chick king. uh went and got some BS went and got. some BS vaping cigars hot. >> the door dash was because I was in the. middle of St. Louis. >> No, I'm not going to do. >> literally at the yard. They don't have. anything within walking distance and I. wouldn't walk if I could. >> Uh, well, you can ride out there with me. and you can walk around if you want. >> I don't want to go see those. No reason. Winning got some BS. Auntie Anns.

Winning got some BS. Door Dashing French. was when we went to the mall. I don't. get any. >> Taco John's. Cash App. Cash App. McDonald's. Getting some BS. Features. Happy Donuts. Zach's ice cream. Fred. Tilly Wood. We got some BS. McDonald's. BS. Cash. App. Vaping cigars. BS. BS. BS. McDonald's. Steam purchase. Taco. Bell. Venmoing Out. Grand Lake Resort. Grand Lake Resort. >> That's our annual family reunion.

>> Yeah. That's cost us a lot. We even. debated not going this year because of. it. >> Well, it would have been much easier to. afford. I mean, you guys go out to eat. insanely and you guys stop at gas. stations getting things like crazy. You. guys get go vaping, hot topic, Roblox. Yeah, the amount of money we spend is. ridiculous. Uh, savings has gone from. 502 to 503 in Ally. So, >> I guess we're holding a bunch of crypto. in this. >> No, I just sold that.

>> Huh? >> I just sold that. >> and put it towards something. >> It's sitting in the uh savings account. right now. >> Yeah. So, a couple thousand in savings. Okay. Hey, here's some retirement. 401k. $8,333. Is that you? >> Yeah. >> Okay. Dramatically behind for age. How. much did you take out before? >> Uh I think it was uh $4,000. dispersement. >> Okay. Yeah, it would have compounded. pretty great at this point. 11,000 413. >> My balance was bigger, but it wasn't. vested. So when I quit that, >> it wasn't Oh,

>> yeah. >> Oh, it wasn't vested. Yeah. 11,000. Is. that you? >> So you have a separate 11,000. >> What? Where. >> is this the same account? >> That's the same account. >> I have 8,300 and then 11,000 here. >> Uh I think one of those was all I could. get and so I took a screenshot of the. other one for a upto-date version. >> Oh, vested. And then here's the balance. Okay, gotcha. Okay, so 11,000 definitely. behind for none. >> They only gave me I think this is a. quarterly report. >> You should be approximately around.

$200,000 for your age and retirement. >> for what the household is. Yeah. >> Okay. Minimum monthly payments outside. of the mortgage and the down payment. assistance is $1,2954. Now, mortgage plus down payment. assistance. is $1,322.37. What is the utilities in the internet.

all combined? >> Uh internet is new. So, we just got. fiber. So, that was 109. >> Uh gas is 90. >> and average for uh all the rest of it. It's municipal, so it's all combined. It's around 170 to 200. >> Call it 185. Okay. 384 for utilities. Good. Phone bill. >> 280 right now.

>> Oh, why? >> Cuz we just did a bunch of dumping on. Christmas. We got our daughter's phones, new phones. >> We got our daughter's phones. >> If T-Mobile's good in your area, I would. definitely do more of a third party. service like Helium. It's so much. cheaper, but that's once you guys pay. off your phone. But we'll do 280 for. now. >> Yeah. >> Uh gas, both of you combined. >> I don't use gas. >> Yeah. Me, >> I I would say probably $80 a week. >> A week? >> No, I feel I do like 40 and then 20 towards.

the end. So about 60 a week. Yeah. >> Okay. That's going to be 240 just about. Car insurance is. >> that's cheap. That's like 88, right? >> Uh. >> so 80. >> Yeah. >> 90. >> 90. Okay. TP fund for the house. Three kids. Yeah. That gets hard. >> TP fund. What is that all? >> Anything else your house needs outside. of groceries and everything we've. already. >> Okay. Well, let's do groceries first. Okay. Let me see. I mean,

we could do we should be able to do. about about a thousand. >> Yeah. >> Got a meal prep, though. This is meal. prepping time. We're doing some meal. preps. >> I'm okay with that. >> TP fun. I'm going to say about. >> I'm going to conservatively say 250. You. might have to go higher. >> I might have to go higher just because. they're girls and I have to get stuff. for them. >> 300. >> Yeah. >> Some is deferred to next month. Some, you know, some months are higher, some. months are lower. We're averaging out.

300. Okay. Healthcare co-pays, whatnot, prescriptions. >> Copay. Yeah, there's co-pays every. month. I have a doctor bill that is 70. >> Cool. >> Oh, >> prescription is just um $15. >> Okay. So, 85. Gotcha. Gyms. >> 20. >> gyms. Oh. Uh 27. >> subscriptions I'll give you for the. household cuz a little more with kids 50. bucks. Okay. Any pets?

>> Yeah, we have one dog. >> Age, health? >> Old? >> Uh she is about nine, but she's a pit, so she's close to end of life. And. >> so no health insurance. >> Not doing great. No. >> But uh yeah, what about food? >> Dog food. How much? dog food. 25 every two weeks plus a bag of 40 a. month. So $25 for a bag that's like 10 days. But then I also get dry food.

>> How much a month? >> Trying to think. Uh 25 25 I would say. 100. >> Okay. Anything else that needs to be in. your budget that I have not put in your. budget? What was I just you know of. >> my brain was just thinking about it. >> I mean yours will be more detailed than. you make it. We put things in the TP. fund. You can figure out your grocery a. little more locked in. But this just. gives us a general plan, general idea of. what we can do strategywise. >> Is that $1,000 including like I usually.

spend about 50 to 60 bucks on groceries. a week when I had my fridge. >> Yeah, it should be cuz it's discounting. what you would need from home anyway. Oh, we have our the braces payment, too. >> Oh, yeah. Braces 60 bucks. It. >> is a debt. >> Well, we'll include that in medical. >> Okay. >> Interest on that on braces, do you know? >> There's none. >> There isn't. >> 5,233.86. Doesn't give us a ton of wiggle room for. such a powerful income, but that's the.

minimum payment situation we got. ourselves in. 750 bucks. I'm going to. call it. I'm going to round it down a. little and be a little more. conservative. 750 bucks. I would. absolutely though do smallest to. largest. I'd get rid of that city like. that because that frees up a $41 minimum. payment that funnels into the next. thing. And then I would go from city to. discover it to. I'm not going to do the down payment. assistance. So city to discover it to.

quicks and then the higher quicks and. then the personal loan and then after. that I'm chilling. and then get a fully funded emergency. fund and then dramatically catch up on. retirement. Probably 25% on a monthly. basis goes to retirement. So 50% donates. 25% for fund 25% to retirement. Let's. see. Bad debt outside of the mortgage. >> $42,383.77. This will that's going to take a while. >> 6 months. >> That's not the end of the world. >> Uh how long?

>> Four and a half years. >> Four and a half years. I think with the. credit counseling it was about four to. five. Yeah. Well, that's Yep. Four and a. half years. And that but that takes in. account your personal loan as well. >> Yeah. Correct. >> That's your credit cards and personal. loan. It's four and a half years. >> That that was for the credit counseling. They were willing to do all four. accounts. >> Oh, they were taking the personal loan. as well. >> Correct. >> Um so yeah, I mean I would go, you know, you can go about it either way. I would. look at the protections, what fees come. with signing, all that kind of stuff. >> So if I do this plan where I'm lowest to.

largest, I can have it all paid off in. four and a half years on my own. on your. own. >> and we stick to that. >> following that budget and there's going. to be a little tweaks here and there. Hopefully income increases over time. Hopefully the sheriff situation, you. know, levels out for you and helps with. there and we need to get you to make. more money as well. >> That was another problem. I was working. a lot of my overtime and then that was. causing burnout and then. >> Well, sure. I want you to pick up. >> some more stuff. I'd rather you honestly. get show even just like a call center. work from home. I was going to do uh try.

to do some nail like help at my nail. salon as her assistant. >> Whatever you can do. >> The more money comes in an extra two 250. bucks that comes in on a monthly basis. net immediately speeds this up to. probably four years three and three and. 3/4 you know it it speeds it up. dramatically. >> Okay. >> All right. We're going to give the. hammer financial score for the household. but come join us in the post show. bring. in the producers and talk about some. things that we didn't have a chance to.

talk about. A lot of other crazier. things that would get us demonetized. That's how it goes. But hammer financial. score spending a budget will overspend. Zero out of 10. Debt, no collections, but high interest, bad debt for sure. Over the limit on one. I'm going to give. it a 1 out of 10. Emergency fund. Well, we've taken from crypto. We put in the. emergency fund. A couple thousand there. For the household, I'll give it two out. of 10. Retirement, dramatically behind. on our retirement for sure. Two out of. 10. Real estate, good equity position. Having a down payment assistance loan is. technically going to bring it down. Great interest rate, minimum payment we.

can afford for sure. It's a good. situation relatively. Seven out of 10. >> We're really lucky with the. >> the mortgage, all of it. >> It's going to be a Hammer financial. score 2.5 out of 10. Come join Hammer. Elite the best membership on YouTube and. join us in the post show. Three premium. shows a day posted Monday through. Friday. Join below. I'll see you there. She wanted to confront the idea of. these. >> If you're just going to keep something. that could sell for a couple thousand.

dollars, why would. >> I don't have anything. thousand? >> That was what he was hoping for. >> This is crazy. And I never do this, but. I want to see your feed. >> done. Yeah. Do you just want to see. them? >> Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.