Homewrecker Steals Married Men And Loses Everything | Financial Audit

got myself into a lot of credit card. debt because I got into a situation how. long are you married almost 5 years and. you got with this person I thought we. were going to be we were going to be in. love that wasn't the case because he was. married technically I was. married you and the married guy banging. it up you were yeah of course and he was. married yes that's home record Behavior. technically I'm Daphne I'm 34 I'm from. Huntsville Texas and this is financial.

audit welcome over to Austin don't know. where Huntsville is but what do you do. for a living so right now I'm what they. call a distribution designer at an. electric company okay so basically I. just design new construction power lines. in like an AutoCAD type software all. right how much are we making so I make. 3174 an hour okay that's it's pretty. good okay yeah.

so I get a well okay yeah oh you're. going to get a raise to what uh it's. like. 3358 or something like that so I see. 3,817 come in comes in that sounds right. is it about to be like 4,000 after the. raise. where I I haven't done the math but. maybe okay so what are we looking at. today we got we got some weird and. interesting debt.

you make okay amount of money so it's. like a little. confusing I think we're going to need a. little context okay what are we looking. at so I'm kind of a. mess. um okay so it all started two years ago. I got. divorced okay and 32 when. I left my husband I was only making like. $16 an hour and so.

that wasn't enough and so I got myself. into a lot of credit card debt because. I moved into an apartment that I. couldn't really afford but I thought. that someone else was going to be living. with me in it so that's what what do you. mean the ex no okay so right after I got. divorced I got into a situation with. somebody I knew from. work and um how quickly the the divorce.

well like immediately it was like a. rebound right I guess is what they would. call it okay and we day after maybe. maybe get sort of yes. okay so I knew him right we worked. together that's how we met wait how long. are you married almost 5 years did you. guys ever have any kids yes and you got. with this person a day after yes but see.

what I thought he was like the love of. my life a day after a divorce okay yes. sure and you thought he'd be living with. you yes like I thought we were going to. be together we were going to be in. love but then that wasn't the case. because he was married which I know it. sounds terrible right that sounds. terrible thought he was just like the. love of my life and we met under these. unusual. circumstances which technically like I.

was married too right like so. wait okay no sorry goh on go on I'm. processing the time I moved out of my. house to the time my divorce was. finalized was probably like 6 months. maybe a little longer so like. technically I was married when when this. this this. the so like the day after you were like. hey I'm divorcing you is that how that. went my ex-husband yeah well we had like. a conversation and we were like okay so.

it's ending in a divorce we understand. then the next day you were with that. dude well no I mean that no not exactly. but very soon after yes but he was. married yes so I was under the. impression that he was the same kind of. married that I was which like the same. kind what kind of married is that which. is like that's insane no hear me out so. like I okay no I'm hearing you out it. just doesn't really Vibe with my. personal morals on that but no no no go.

go you say your thing we're trying to. get context for how you ended up here so. go ahead legally married right oh yeah. like was not divorced yet but we were. not living together yeah but you also. met up with the dude the day after and. he was married not the day after that. makes within a couple of weeks right so. anyways he had me under the impression. that they were getting divorced but they. owned a home together they owned. Vehicles together so it was like a. longer process right yeah you guys had a.

kid yeah but we didn't have any like. finances together so it wasn't hard okay. right so he was like I'm leaving like. he's they're not together no more right. they're just in this process of getting. divorced that was my understanding. turned out that wasn't the case at all. and I found that out several months how. long are you guys together me and the. guy sorry I know this isn't like. straight finances right here we're. trying to give context for the finances. but.

I do have to be a little honest that I. am quite interested in this that's fine. so I will give it at least a couple more. minutes um we were together maybe six. months you and the married guy yeah. married banging it up banging it up well. you. were well yeah of course and he was. married yes that's home record Behavior. technically that is true yeah. embarrassing yeah but they're still. together signed a lease expecting him to.

live with you yeah they're still. together does she know oh. yeah are they open. no future wife please don't cheat on me. I would be that's. okay yeah so she found out about. me and I was kind of like oh she found. out okay yes it was a whole thing.

yeah let me look this back to finances. so you signed a lease expecting to live. with him because you thought he was the. love of your life a married man that. you wait when you say it like that it. sounds bad but and girl I'm going off. what you're. saying no and what I'm saying is that. right now right of course now I see your. persp no no no no no no no I'm just. saying did you get the apartment. expecting to live with him eventually. yeah I thought what was eventually move. in I don't know within like a few months.

there was something that was happening. that he was waiting you know there was. like a maybe he had a wife yeah. so yeah so I couldn't really afford it. but it was also the cheapest place I. could find so I don't really know what I. could have done differently necessarily. and it does sound crazy so that's how. you started getting into debt yeah so. when I got divorced I didn't have any. credit card debt at all I had credit. cards but sure no balances on them and.

but I did have all this student loan. debt that's been there so okay yeah so I. ended up in the credit card debt because. I didn't make enough money to live my. life but I had to well you signed up for. a life for two with this like dream that. didn't exist yeah it's so sad it was. kind of it feels like a fan was like a. fantasy in your. head no why did you think he was going. to move in and take of half the payment.

because that's what he was telling me. okay he was I'm going to marry you. you're the love of my life wish yes. teenager this is gross okay um it is. gross but they're so happy you you think. so okay it it I mean it's embarrassing. right but it's also like a part of my. life it happened two years ago um two. years ago a long time but I'm trying to. do better right that's why I okay sure. my life is so much better so you started.

going into debt because of that and then. well not because of the guy two years. ago but because you lived a lifestyle. too high because he didn't move in yeah. because I truly could not afford okay my. life with two years ago so yeah what if. we done these last two years okay so. about a year ago I got a way better job. like this job I have now right so almost. I basically doubled my income oh sure so. it's been way better I moved into a.

better place that's um okay which was. necessary it yeah what do you mean so. the place I was living when I first got. divorced was like a tiny home yeah the. place you couldn't afford okay yeah it's. meant to be like a storage shed. right yeah and my child yeah and so it. was like 500 square feet and just all. one room basically it was not ideal yeah. you were living in a studio yeah people. live in okay sorry go ahead okay but.

when you have a little kid you have lots. of stuff she'll be five. soon what is she going to think when she. I don't like. it. um I think people do this all the time. right that isn't that's part of like. love is like taking a chance on. something and like I it sounds crazy but. I really thought like he was like the. one. right and then he wasn't and that's.

partially because he was lying to me and. I just believed it because I I wanted to. believe it that's insane but now in. retrospect I it's very clear what was. happening well what would you rate. yourself finances wise and know we're. talking about love we're not talking. about that kind of rating we're talking. about finances finances zero being the. worst 10 being the best where do you. think you are financially today so I. took the quiz is on your website oh yes.

free Link in the description below it. gave me a zero which I don't agree with. why do you not agree with that I don't. think it's that bad I think I was. seriously going to I think I'm like a. four you think you're a four explain go. ahead okay give it to me so I do have a. lot of debt right oh okay but yeah laugh. it away go. ahead pain away I don't have in. collections and and I'm you on a home no.

you have a fully fronted emergency fund. no how's your. retirement it's pretty good I think but. truthfully I don't really know I don't. really it's pretty good I think I don't. know all right so you don't have an. emergency fund you have bad debt yes you. might have retirement going for you no I. mean I I have like a 401k from a old job. that I quit and but is it good for your. age like I don't know probably not okay. so so why are you a four. well four is like less than halfway so I.

feel like that's it's not so bad 0 to 10. what's in the middle five so five would. be basic average solid down the middle. yeah so I'm like just below that I think. that's fair oh my okay. um gosh well that's an interesting. take also guys you know we are looking. for interesting people to come on the. show I don't know about that that was. special but we are looking for. interesting people to come on the show. if you have unique finan cial situations. for us to look in you know we like.

having nice little different tastes of. finances uh feel free to come on the. show you know also just conversational. people because it is a podcast as well. people who like to have conversations. people that have opinions we like to. make uh a uh educational interesting fun. show so uh apply to be on at Cale. hammer.com apply if you would like to be. thank you for being on I know I've given. you a hard time so far but thank you for. being on um for is wild but um um that's.

well we'll see right we'll. see sure we sure will all right let's. jump into this cuz this like we've been. we've been this it's been the Caleb. Springer Show so far which is is fine I. mean I find it entertaining but like. we're we're also trying to get into your. finances here. um maybe you should divorce debt and. sleep with debt free right off the bat. that's a great idea actually.

I'll work on it well okay Bank of. America yes Bank of America. oh what I'm. so a. sorry I want to ask about that apartment. let me get through those card and I'll. ask you about your current apartment. again. okay. 5, 54416 is the balance with $98 of. Interest you're purchasing you're. purchasing why why do we do this why do. we do this you've had two years you got.

a better job and this is this is what I. was going to bring up a second ago you. moved into this bigger more expensive. apartment okay I understand it you. wanted to get out of the studio that is. relatively fine but if you you doubled. your income you moved up some lifestyle. how the why why are we purchasing our. why why is this not been paid off and. not only that but why are we purchasing. our carard that's gting $98 in. interest why is this why have you made. no progress on the debt I don't think. I've been purchasing all that one it's. been a long time oh interesting why.

don't you go ahead and just take a look. at. numbers almost like it exists right in. front of. me looks like you stayed at a hotel. um recently whose husband did you bang. in this hotel nobody sorry I'm going. to as a business owner I know managing. your business finances can be one giant. pile of Taquito chaos luckily I've been. using today sponsor netsuite by Oracle.

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offering an amazing flexible program but. only for a limited time head over to. netsuite.com hammer or check out the. link in the description below that's. netsuite.com Hammer there's no better. time to start saving with netsuite and. take your business to the next level um. I did stay in I went to the beach. recently that might be that you a hotel. to go to the beach I went to a beach on. 4th of July I didn't buy a hotel what. are you talking about I mean I do go to. the beach all the time without how far. away is the hotel you have debt though.

why would you put it on a card that you. have to pay off Oh I thought I had to so. when I booked the hotel it was like if. you use a debit card it'll hold so many. hundred do you know what I mean they do. prefer credit cards yes so I use the. credit. card and you asked me why haven't you. paid it off and the reason is yeah you. haven't made progress it like it's just. you were making so much you made double. yes so it was like. $1,000 maybe the course of what but then.

what I did do was I took I did that. balance transfer thing so you didn't. even pay it off you just balance. transferred right and that balance. transfer has 0% interest so I've been. focusing paying on that to pay that half. that's not paying off that though before. I thought it was a good idea potentially. okay potentially when did you do the. balance transfer um um it would have. been maybe October okay and I think it.

had 18 months 0% no I get that part I. get the math part so I've been just. paying the minimum on this one and then. paying more than the minimum on the one. with free card that doesn't make any. sense well because I have to pay it off. before the end of the but long time like. I would have tried to well I guess I. would have math that I would have. figured out what the minimum monthly. payment would be required to pay that. off within 18 months and then just put. it at that and the rest of the money I'd. be putting on cards that have interest.

but again that's a math thing in the. math thing yes consolidation can kind of. make sense I'm not opposed to the. concept but someone like you you just. you lived higher than you could you I. mean I we oh gosh I mean 10% of your. spending goes to eating out another 7%. to miscellaneous there's a lot. there's unknown spending another 10%. Like I mean it's it's crazy so it's. someone like you you have a behavior. issue you can't control your spending so. what a consolidation does is it all of a.

sudden leaves you what is this 20 almost. $118,000 to be able to spend on this. card just rack it up rack it up you just. give yourself the ability to spend more. money that's what tends to happen when. people don't fix their behavior we know. you have behavior issues so people just. like I don't know that's what scares me. about it yeah I that's. I but I will say other than the hotel I. mean I'd have to go back and look I. haven't spent anything on that credit. card in a very long time okay I've been.

really trying to do better but then I. did accidentally get a. Southwest crit what do you mean you. accident how does someone get an and how. do you smile L is it a little joke is it. a little he he oh I just accidentally my. life no I it's not that I was booking a. flight and you know it pops up that. thing at the bottom that says if you get. this credit card you'll get this many. dollars off yeah there's steps you have. to go through that's not an accident so. I. so I didn't understand I thought that.

amount would be subtracted right then I. didn't realize that you have to you know. get approved and then it comes in the. mail and then I can use that card. eventually to get that $200 off that. sounds really stupid and yes yes it does. so now glad you okay I'm glad you. realized that. yeah so $98 in interest cruise on this. take 20 years to pay off doing the minle. monthly payments right so my plan which.

you can tell me it's a bad idea I'm. happy to hear that my plan was to pay. off the card that I balance transferred. to and then balance transfer the rest of. that another 0% situation that's again. there's some mathematical things that. are okay if the behavior your behavior. hasn't fixed necessarily listen cuz I. know a lot of the spendings in the. checking account that's still you're. spending money that money could be going. to paying off debt yes I don't think.

you've necessarily fixed that I think. maybe maybe cuz I don't know where you. were maybe something got a little better. you know maybe like you're choosing. debit versus credit now which you're not. a credit card person so I would do that. I would use the fiz card if I was you if. I needed to use a credit card and take. advantage of that. but you haven't changed the overall. spending issues yes you've just moved it. in a different direction maybe maybe. what the you mean maybe I have your. statistics I know you're spending maybe.

what is maybe well what is maybe I mean. maybe at least 30% to spend on. across the. board yes maybe that might be true but I. will be honest that that is something I. didn't realize until you gave me that py. graph right there well no sh yes that's. how it happens right that that means. you're incorrect that means your. behavior is bad that's why people come. on the show cuz you're getting you're. hearing you're learning that you never.

know that you never knew like yes I know. that this is probably the first time you. heard it and that's great that's. wonderful but you can't say that. everything's going like your Behavior's. fixed and all this stuff no I haven't I. I hasn't you're right okay in that. respect yeah and the balance transfer. yes what was the fee for. transfering um it was like a certain. percentage maybe like. 3% and uh I don't. it was like a 3% of 5700 or something so.

I can't remember what that was it is. better than like the 30% it's on so yes. that was either way that only matters if. you don't build your balance up again. which so many people have done on the. show. yes I'm trying not to do that okay. here's a oh this is a car sorry this. one's a little hard to read um we ow6. what what is the car it's a 2019 mitsub. she Outlander okay do you have joint.

custody over the kid yes okay so you see. the kid often yeah so we have her week. on week off so I see her all the time is. there any additional support provided by. the husband or do you guys just split. things down the middle how's that um he. doesn't pay child support it was my. understanding that because we have joint. physical custody that right because he. but is anything provided either or you. give him he gives you are we splitting. daycare like what is happening so he PID. for daycare and he carries her on his.

insurance other than that we split you. know we just pay whatever expenses there. are when we each have her what so what. about the like co-pays and stuff like. that so just whoever takes her to the. doctor it's usually me but she makes his. health insurance more expensive yeah so. his company pays his premium for himself. so he only pays for her so we probably. pay the same amount in health. insurance each you know me for mine and. him for. it's not at a horrible interest rate.

it's at. 4.89% and the minimum the payment is. $299 uh if it was below 4% I'd be like. high five it's it's in that kind of gray. area for car loans where it's like yeah. we probably would want to pay it off. quicker so you owe $6. 6,12 or 600. $612 how much you think it's worth so. probably around there maybe just a.

little worth a little. more it's worth. 7,337 oh so that's close so you actually. have equity in the car shocking yeah why. I don't know cuz I've terrible at. everything else you'd think I would have. messed that one up. too all right now we have the Southwest. rep so you got this was on you said you. got this on accident for flight where. are you flying to why are you getting. flights right now now we have debt to. pay off so I'm flying to Georgia for a.

boy in Texas for a boy yeah it was kind. of me a man well yeah man okay I just. wanted to be but boy sounds cuter but. yes man he's a he's in his. 40s Okay Okay cool so I'm assuming this. is love we're back to love we've gotten. back to love okay wow lots of love in. this conversation if only I could find. any oh. yeah so um and he's not married great.

well done well done congratulations that. was a one time thing I know but. congratulations to you thank you it's. progress we're talking about making. progress I'm doing it okay okay so so. you're dating this dude in Georgia yes. technically yes is it is it Noah Noah. lives in Georgia. sometimes was it Noah you weren't dating. my producer I'm kidding am I. well I'm not Liberty to say no it's.

not um yeah so that's where I'm from I'm. from Georgia so this is a guy that I. knew before I was in Texas and we kind. of like. rekindled but I guess you could call it. a situationship maybe except for after. like one year and 5 months he asked me. to be his girlfriend so now I'm his. girlfriend oh so it's a relationship yes. now very recently wait one year five. months of that's very long distance one. year five months months and and you wait. how's how much does this cost to how how.

often do you visit him okay this is. crazy we see each other like every four. to six weeks and we alternate like I go. there he comes here once a month once. every month and a half or so is okay so. you you fly out there once a quarter at. least at least so four times a year I. think last time I went there last year. I'm sorry I went there maybe nine or 10. times okay that math is not mathing. right then there's like okay so it's. like every month is but then it's also.

like yeah every month you go sometimes. but then it's like we had to go to the. beach and then we this beach what is. this beach you're obsessed with the be. what do you mean Beach how does how does. Beach equal you being able to stay in. debt forever you're like you're like the. opposite of Anakin you're just obsessed. with the sand and you'll just go into. all the debt for it I'm not even a beach. person put it you're getting a hotel for. the beach even though you don't need it. and you're. you're talking about this okay go on.

sorry go ahead okay so yeah it's like. once a month once every two months. except for like then there's a beach. trip in the fall and then there's like a. Christmas trip and then the Thanksgiving. trip you know is this going to go. somewhere though you guys are so far. apart so you have a kid here right so. it'll be this way until my kid is 18 I. guess that's the plan she's almost five. right yeah you're not happy with that I.

mean how long are you there Choice uh he. moves here no that's not a choice why. well because he's rooted he's from. Georgia that's where he lives he has a. good job he has a family right but I had. a baby with someone who lives in Texas. so I don't I'm. stuck for 14 years is okay so yeah the. plan is to just keep doing it until it. doesn't work anymore I guess I I think. that's how all relationships are well I.

hope you guys make it I guess I mean. this is how expensive is this for you to. fly out every month so I would say maybe. $3 to $500 each plane ticket but then. when I'm there extra $300 to $500 month. payment on a monthly basis for your. relationship and that's getting on top. of whatever other minimum pay that's I. mean that's you double your car payment. and then you sometimes more on a I don't. spend any money so it's just the plain.

and sometimes he'll pay. half I think maybe if I asked him to. he'd pay half every time but I feel. gross about just won't move here I mean. whatever it's well that's not up to me. right have you asked yeah then and I. know I said situationship which I don't. like saying that because it makes him. sound bad and he's but how long you guys. actually together when you're together. oh so I have every other Friday off so. normally I go like a long weekend like. Thursday night to Sunday night all right.

good luck for you guys and same for him. when he comes to see me uh the I mean. the main reason I mean sure I mean a. little bit of te is interesting but the. main reason I'm interested in is you're. just I mean this you just keep putting. money on this card you get a little bit. of Interest recruiting you have to do it. every single month it's a very expensive. for your lifestyle and you need to pay. off this debt I don't I feel like you're. putting what find a boyfriend here I. don't yes. no you like guys from Georgia I'll set.

you guys up in the financial audit post. show it's just I don't know listen I I. don't want to get in the way of love. it's just like you have a kid you have. responsibilities like sorry yeah I know. you divorced them but you guys still did. the bang and you have to take care of. the result of it and it's only four or. three or two or uh sorry five you know. whatever it's an age and she she she. okay and you have a responsibility as.

the mother just because you guys. divorced doesn't mean all of a sudden. you're just free from all consequences. of that relationship and some of that. involves getting your financial future. secure so that you can actually have a. shot of retirement without your daughter. having to take care of you and put her. life on hold to take care of you because. you weren't responsible enough to take. care of yourself you could also pay for. college there's a lot of different. things not that you have to but you. could right but you're prioritizing in. your you know having situationships and.

just fun all stuff why did you guys get. divorced going into the tea again I just. can't escape it the the the the the. kettle is hot but I have to know now why. did you guys get divorced so what I will. say is that it was very fast like we met. and probably within two weeks we moved. in together oh which is you know was. very fast and then he moved away for his. job and so I followed him because love. right so then yeah it just within a year. we were engaged and then I got pregnant.

so we got married because I needed. health insurance oh god um okay yeah so. we didn't get married for love we got. married for health insurance at that. time we were already engaged we're were. planning to get married because of the. kid or because you're just moving quick. just moving quick yeah so what I think. is if we had dated like six months. longer we just would have broken up but. then at a certain point it's like you're. so far into it and then you try to make. it work and then we had and how does. that usually work not well oh. interesting who would have thought but.

really everything fell apart when we had. a kid because having a kid is hard and. there are things we didn't talk about. because it moved really fast that maybe. if we had known these things about each. other we would have just broken up but. we didn't we got married well it lasted. 5 years somehow yeah I know shocking. okay so on this card we have. $312 51 but you put flights on it. constantly you kind of pay off the. flight but then you still have like. three bucks of Interest gr that's not an. incredible amount of money but if you're. having interest AC crewing you're losing.

the credit card game cuz you're not. catching up with that with points so. it's just like you know me you're. yourself with a $74 83 83 minimum the. payment you're not a credit card person. as we already know yeah I'm not well. it's at a 27.24 per interest rate but I. do get charges year I know you do but. you still you do have interest AC. crewing yeah I guess I don't know where. the break even point is but usually with. any interest at 27% your cash back's. going to be like be at best 5 6% at very.

best it's like $8 every time or. something what is every time I like. purchase a flight it's like get so many. per back all right you get $8 off of. $500 what do we got cool you're getting. one and a half% yeah thrilled you're. losing 27% so I don't give a I don't. give. a chop up your cards dude it doesn't. make. sense but then how will I get to Georgia. what do you mean does money not exist.

that's not death is that the dumbest. thing I've ever heard in my life. potentially maybe no I have money but it. all um it goes to minimum payments and. Amazon and food. probably so we're just going to keep. building this card up and our debts up. for a. situationship no no not what happens. does he know that there's a risk that. you meet a nice married man here no that. that's not a risk any.

longer we have a city Simplicity. card $. 4,868 so this must be the consolidation. card. yes I thought I was doing the right. thing oh I'm sure you did seems like it. was the right thing at the time no. mathematically it is again but if it. doesn't if we don't fix Behavior again. you're putting flights on a card that. you accidentally apply to like and I'm. getting cash back guys I'm getting 1.5%. cash back even though I give them. 27% cash to them yeah I think they're.

making the difference you know I think I. think they're making the the money off. of you I could drive I guess well it's. I'm not saying it's even cuz I mean. that's probably cost the same if not. more depending if you're stopping if. you're what's Georgia I me it has to be. like a 12- hour drive yeah is 12:16. maybe um I don't know it's not about. that it's just you're still putting it. on the card you accidentally opened a. credit card you haven't fixed your. behavior when you did this consolidation. so you didn't make the wrong decision.

just maybe not the right decision for. you at this time but maybe I should put. the flights on the 0% interest credit. card would that make more sense I can't. believe we have to add. a flight budget to your budget this is. crazy. love I yes I I. know that's what you said how often do. you fall in love with these. dudes not very often. often okay I mean only two in the last.

two years that seems reasonable. right the rebound and then now this. one right the rebound was. not. whatever you did not intend for that to. be a rebound though you guys were going. to literally move in together. immediately so yeah okay the which. that's a behavior that I have not. repeated right we can agree okay it's. been two years but yes uh so a year from.

now yes wow literally a year from today. the interest expires the interest free. it's literally a year from today yeah. that's pretty good though I can pay it. off well okay let's get what the minimum. payment needs to be for you to pay off. starting paying this month have you paid. no I don't think. so uh so normally I pay twice as much as. I have to uh the correct answer is you. need to pay $45 $46 I think I do that. maybe I don't know can you yeah can't um.

well let's. see so income that came in we discussed. was 3,800 how much money went out oh I. think I've spent less than I make so. okay yeah how much uh let guess maybe. 3,000 okay. 3,921 so you can make this extra multi. payment. also didn't you get like an email today.

or. something yeah so okay that I was so. prepared to come in here and say I've. never been laid on a payment which is. true until. today and I was driving here and I got a. text that was like your Chase account. needs attention and I was like oh no. turns out I forgot to pay it which has. never happened but it was due on 4th of. July and then there was a hurricane and. I just forgot but I paid it today and I. think it's fine yeah it turns out. instead of paying off the card you.

committed to you went and opened up a. brand new Southwest card well that was a. long time ago it was a joke about you. $49 minimoy payment you pay $16 but you. say you're able to pay $. 44006 I think if I tried really hard I. could do it but again you you pay you. spent in general with everything across. everything $100 more than you bring in. so what what are you talking about what. are you possibly talking about okay it's. right cuz. numbers math oh yeah it's a tricky.

little thing so what the are you talking. about well I can definitely spend less. you then why haven't you it's so. wonderful thing guess what guys I what's. something I do wrong we already make fun. of the what's something I do wrong. what's something I do. wrong I don't know you fart a lot I am a. tutor I think that's just natural though. you're allowed yeah I'm a tutor I could. just say you know I could just toot less.

doesn't matter I don't know if I haven't. toed any. less true so I be popping those. farts like how is this how is that like. you haven't demonstrated at all in any. way whatsoever so what kind of conf I. can't just walk away and feel confident. okay good we did our work saying I'm. going to spend less you haven't put in. any Behavior what makes me feel like you. can do that well how are you confident. in that you haven't changed your. behavior in any way whatsoever. well I think what happened is that I. started making more money so then I.

started spending more money and. sometimes I just give money to people. and I can stop doing that what do you. mean what are you who are you giving. money to when I first got divorced I was. so poor like I had no money and I was. having to put bills on credit cards but. like now I make more money I'm doing. better so then when I encounter someone. that I feel like it's you know in that. position that I was I feel like I can be. helpful so like I'm in all these. Facebook groups for my town and there's. this homeless guy who sits outside the.

Walmart and he posted in the Facebook. group saying he just got a job he posted. on Facebook yeah cuz some he has a phone. so he was like I just got a job but I. need some pants how small is this town I. don't know it's a college toown is. pretty big okay but everyone knows the. homeless guy yeah he's pretty. identifiable oh sure okay it's kind of. funny so anyways he was like I really. need some pants to start this job if I. don't have any pants I can't start my. job and I was like I feel like I can buy. some pants right that's a good deed okay.

that's nice that's actually really nice. so I everyone's like go to Goodwill and. he's like I need a Size 52 waste they. don't have those at Goodwill so I said. hey look I'll buy you some pants tell me. man's been eating well yeah so he sent. me a link for some pants I ordered them. and then he was like well if you're. buying me pants can you also buy me. suspenders cuz he can't wear a belt and. I guess they don't make him that big so. I ordered him s suspenders too well then.

I realized he lives in the apartment. complex right next to mine which I was. like wow that's so weird well he's. sleeping on someone's couch oh okay. while so he can work to have a place to. shower sure so anyways I buy him the. pants I buy him the suspenders he never. says thank you and I was like that's. weird whatever but you know fine okay. yeah I mean you're not doing it for the. thanks right you you were giving yeah. exactly it was my good deed I felt good. about it so then like a week later he's. like hey. I'm hungry could you give me some money.

is that how he said hey I'm hungry well. actually he said can I ask you a. question and I was like oh great he. started by asking a question right well. then I thought oh no he's going to ask. me out and I was like how do I I mean. where's he going to take me right he. doesn't have a home was he going to take. me out to eat with what I'm going to pay. for it yeah anyway he said I'm so hungry. I don't get paid can you give me some. money and so I'm like you would have. done it let's be honest I'm sorry maybe. I know but you're you're suggesting that. it's a possibility so go ahead so.

anyways I gave him some money on cash. app I sent him like $25 well then that. happened three more times and I was like. look you're making me uncomfortable no. thank you. so yeah I could definitely not do that. that would save me what hundred and. something dollars if I didn't give money. to that man so I ended up having to. block him it was a whole thing I have an. exciting Channel announcement and it's. one of the most most exciting things. we've done so far by popular demand.

we've launched a new tier to our Channel. memberships there you'll get an. exclusive audit that can't be found. anywhere else it's add free and. completely uncensored on the first. Tuesday of every month on the second and. fourth Tuesday of every month myself and. members of the company will be doing. exclusive member live streams where we. can hang out with you and talk about. whatever you want to live and finally on. the third Tuesday of every month we'll. be posting a new behind thes scenes. podcast called crew cast where we'll be. discussing everything behind the scenes. at Hammer media and of course this new. tier gets access to all the badges.

emojis and the financial audit post show. this is honestly going to be really fun. and I'm super excited and we kicked it. off this week with an exclusive couples. audit and an updated office tour since. we've expanded so quickly check it out. Link in the description below and in the. pinned comment I mean you you try to be. nice I mean that that's what happens. when you try to be nice sometimes people. take advantage I think I mean it's good. to do good deeds without any expectation. of anything just cuz I feel like was in. a situation where I was so. broke and now it's better and so I know.

everybody's been there at some point and. I was grateful to the people who helped. me okay well yeah I mean I mean you. don't have any money to give to like to. literally benefit your own life for the. sake of your. daughter so I don't think we're help I. don't think we're you can do. volunteering SK there's a lot of things. you can do if you want to give back that. isn't taking money out of your no don't. get me wrong I. love that idea of donating organizations.

or doing things that you tried to do and. sure he may have started to take. advantage of you and your you know your. heart but you're able to give more over. the course of a longer period of time if. you get out of debt right so like when I. used to be rich I used to you used to be. rich yes well I mean at the time it felt. that way oh okay sure well I made like. what I make now but had no kid and no. bills basically okay and it was great.

okay wow okay so you need to make a wa I. remember what I was going to say so when. I used to be rich I would every time I. got paid I would find a go fund me and I. donate money to it because it made me. feel. good okay and and so then I think maybe. I've continued that and I shouldn't have. you shouldn't have cuz now I'm poor. you're poor but I mean a lot of these. are just choices I'm just let's go. through it we we haven't even gotten to. your spending account yet so on this. interest free card you need pay $46 a. month okay sounds a month and that'll.

get you that'll get you there okay yeah. oh my okay student loans. $60,000 so what did you get what's your. degree in so I have two oh good so my. bachelor's degree is in. forestry and my master's degree is also. kind of in forestry it's in natural. resource man you work in forestry oh. no okay I don't I'm not using it. what were you going to do well what I.

really wanted to do was non-formal. Science Education like out of like a. park ranger kind of that'd be cool yeah. that was my plan $60,000 of death to be. a park ranger yeah cuz that's what I. learned is they don't make very much. money yeah so when I got out of school I. got my dream job which was uh like an. Outreach coordinator at a state forest. sure and I made 38,000 okay but it's a. that's a fresh out of school starting. that's okay right but then I quit that. job to move with the guy I married for.

love what do you oh and now you do like. what was it it was like legit it was. like processing something I design power. lines oh you design power lines yeah so. it's kind of like being an engineer a. little bit and also having a degree. definitely helps you get into a door. whether or not it's the applicable. degree or not but and then you had you. did have work experience so I'm not. against it by any means you. know and if you wanted to work what kind. of school did you go to like if you.

wanted to work in a if you know a job is. going to be a lower paid job that's when. if what we're trying to get for a degree. leads to that lower paying job we go. about the degree in a cheaper way with. Community College and hopefully paying. cash for that and then once we have to. go to a four-year institution you know. just in state yeah so when I first went. to school I went to school for Ceramics. so forestry was the better choice I. think okay between the two but I kind of. accidentally got a master's degree and. the you talking about how do you.

accidentally do all this well I couldn't. find a job and so then I was like what I. guess I'll just go to grad school okay. so that wasn't an accident you just used. that word like it's cute or something. okay I get it so you purposely went to. grad school and took out more debt yes. because I thought it was my only choice. well I'm allowed to gift text. certifications to course creers to. guests I don't think you need it you're. good they're good resume boosters but um. if you ever want or need you can gift it. to someone if you'd like to if you know. someone who needs it sounds good your. 5-year-old to become an accountant to.

the accountant course hopefully she's. more successful than me you're doing. okay financially just being a. dumb yeah and. irresponsible. yeah cuz what 4,000 you're going to be. making 4,000 bucks a month maybe yeah. mean net 50 50,000 bucks a year rounded. but the student loans I just I pay them. yeah because you've like brought down. your payment to to. like is it income based yeah I think to.

$336 a month which means it's just ACR. it's ACR it's a GRE it's a GRE it's a. it's a green and the safe plan you know. that just got didn't that just get. struck down by the Supreme Court so like. all these student the thing I'm not. against joining any of these forgiveness. plans or low payment plans but the thing. is right now in the current political. climate like any kind of student loan. type thing it seems to just be getting. struck down so it's so risky because. what you're allowing this to do is these. are close to 7% interest rates which is. terrible you're just allowing this to AC.

crew because you're paying no money. towards it then any kind of hope for. forgiveness it just seems to be going. further and further out the door no. matter the plan you're on almost other. than the if you're working a nonprofit. or uh or the. government well I might be wrong but my. plan all along was that I thought if you. paid them on time for 25 years that they. forgive the balance that was my plan. that's what I've been doing so far. because the thing is like I have good. credit so like it doesn't really matter. that I have student loans they don't. affect me right they don't they haven't.

prevented me from doing anything well. they definitely add the amount of debt. you have they can add to your debt to. income ratio right but somehow I have a. good credit what's your credit well yeah. you're a credit person's dream dude. you're opening cards you have a high B. so I think your utilization is. technically kind of low because one of. your cards has a massive limit. but uh you're. just uh so I've just been ignoring them. your student loans but you have a better.

why are the rates so high I don't know. okay so something weird happened so I. got all of those most of them I think. are for my undergrad right it was like. 18 and then was like every semester I. would just get more private school I. went to private school briefly yeah okay. and then I went well you'll be very. upset to know this but in the state of. Georgia at that time if you had good. grades in high school you got four years. of tuition for free so I lived off of.

those I didn't pay for school with them. this are you kidding me but I how else I. also worked so like I don't know how. else I could have done it but how were. you living though like dude in college I. lived on the sheap my first couple years. the I lived in this and H um my second. year I lived with my friends one of uh. whom actually runs the business uh helps. me run the business here now but we were. in these it was four of us in these two.

micro closets and we all were just. stacked two each in these closets the. kitchen was a sink and nothing else it. was like we just live cheap cheap cheap. cheap cheap and we got everything off. branded borderline expired food not. saying live life in a dangerous way but. it took you. $60,000 yeah to live no College expenses. just to live for 4 years I don't think. so you could have lived a lot cheaper. than that that's um it was more than. four years it took me a long time to. finish schol how many years maybe eight.

what the are you what are you doing. you did six credits a semester well it's. like no no no I was fulltime the whole. time but I I had to change my major. nothing transfer in my fourth year but. doesn't make any sense in your fourth. year but it should have been like two. more years right cuz Jen EDS is two. years so it should have been two years. of dedicated stuff for well did you. change it again after the six year no. then I went to grad school so total. eight years yeah so from 2008 to 2016 I. was in College full-time but what.

happened was gosh your life is full of. just bad choices yeah but so all the. apartments I lived in most I ever paid. for rent was maybe $400 which is not. very much well when you stretch it. across eight years I mean it's like okay. I can kind of see it but but but you. said you were also working during it so. it's like yeah but just a little bit. yeah obviously clearly not enough. clearly not as much as you could have. but right but I had a lot of. fun like I traveled and yeah I was.

really into backpacking was an expensive. hobby so I just spent a lot of money but. I didn't understand really what I was. doing but no the what really went wrong. was in grad school 20,000 of those loans. are just for grad school and I was a ta. so my tuition was paid for you're. killing me I know that's Insanity the. 60,000 what something went wrong so oh. my I was under 26 or whatever I don't.

however old do you have to be to like be. under your parents so I needed my dad's. information to fill out my fa F whatever. and I went to do it to for grad school. right because I had been doing it all. along you have to renew it every time. and he was like oh I haven't filed my. taxes in 2 years so we I couldn't do it. so it's like 2 weeks before school is. starting I need all this money to pay. right so I took out like a weird loan.

and then I used the student loans to pay. that off oh my Fu are you kidding me so. you took like a private student loan uh. I it was like a discover loan I mean. this was a long time ago it was like. $7,000 but I paid it off pry here's an. example cuz I want you to be able to. retire I know I want you to be able to. retire I want you to be able to take. care of your kid instead of doing just. weird things let's say you open. uh I like to buy the S&P 500 we're just.

doing that example it's that investing. advice let's say you opened a Mumu app. you know through my links in the. description you got the S&P 500 like I. do like constantly I'm just like obsess. in buying it that $60,000 you borrowed. let's do 10% cuz that's its average. return by the time you're 59. half it. would be worth $800,000 oh wow but. instead you're just sitting here and. allow the interest to acrew on their end. meaning they're making a giant return. off of you 7% but I just thought it. would just go go away what do you mean. what the you mean I think it what you. mean they told me after 25 years oh I.

see what you're saying sure but guess. what yeah I see what you're saying so. that was my plan okay well I I didn't. know you meant about the plan that you. signed up for I see what you're saying. but guess what dude the different plans. and all these different things they're. just they're constantly changing that's. the only thing I I am not against. someone with low income being in a. lowincome program that gets forgiven. after a while but things like the save. plan that just got struck down by the. Supreme Court the overall student loan.

forgiveness got struck down by the. Supreme Court the Supreme Court is a 53. conservative majority and they are not. in favor of a lot of the student loan. programs uh that get kind of forgiveness. so the Department of Education you know. they put out these new programs which. they are able to at least put out but. the Supreme Court's like we're not doing. that that I'm just I'm just nervous of. how influx this is and let's say you're. going for. you know it could be forgiven in like a. decade just for an example okay you.

know next presidency could be Trump in. his Department of Education you know was. DeVos last time she may what if she came. back this time and she was just like I. don't like any student loan forgiveness. everyone needs to pay the 10-year thing. and that's the only version that we. offer CU they can put those directive. forward you know whether or not the. supreme court allows that you know. there's a lot of different things the. thing is it's just so up it's just. always in a flow depending on who's the. administration at the time and what the.

Supreme Court makeup is the student loan. thing they've just it's been such a. rooll coaster just within a couple years. and you're just betting so much on that. I hope that works for you I do and I'm. not necessarily even against. that but you're betting a big bet on. that cuz you're losing 7% because you're. just not putting any money towards it 33. bucks a month is nothing but then what's. the other choice you pay it I mean but. that's more than I make in a year buddy. my first real job when now you granted. your student loans were about $155,000.

more than mine but my first adult job. out of college was $332,000 a year I. could make commission on top of that and. I ended up doing very well but until I. did very well just that $32,000 a year. because I didn't apply for any program I. was just paying my minimum the payment. which was 500 bucks you'd probably be. closer to like 600 650 bucks buddy. you're flying $500 a month for Love For. Love. you canay this is a responsibility you.

have you're making that choice you're. making that choice you could pay it if. you wanted to but I don't want to there. it is there it is it's just you're an. irresponsible 34y old child you're 14. that's what it congratulations you're 14. good job I'm proud of you what a mom I. mean you're just not acting like an. adult there that is true and that's. really irritating because I mean that. was it that's it that was it you ad. admitted it you finally admitted it. after this entire conversation you have. admitted it you just don't want to it is.

you acting like a child and being. immature and that is all I need to know. because that is you that is how you're. living this whole thing and I'm not. surprised throughout the different. stories and all these different things. that is how you're doing it using. student loans to pay for everything. that's not even paying for school taking. out that extra loan using student loans. to pay it off uh you know the whole. thing that we're not going to go over. all that again and then just. accidentally opening a car accidentally. going to grad school all this stuff just. you just don't care you're just going. through life so immature with a lack of.

care but there is you know let's just. say you don't care and that is fine so. you're just whatever you're deciding. that your life is just whatever happens. happens but you do have a four soon to. be 5-year-old and they did not have a. choice to come into this world and you. have a responsibility to give them the. best life possible but you are choosing. your chaos your immaturity your fun your. just whatever you want to do is more. important over them over their life over.

the life that you can give them and that. is honestly sad in my opinion and that's. why uh I that's why that's why you know. that when I just said what a mother you. know that was too far that was too far. I'm sorry that was just an instant anger. reaction but that's what I'm feeling. based on what you're saying and what. you've said throughout this because. you're putting your immaturity over. giving them the life they could have and. that is legitimately upsetting to me and. that should be upsetting to you. yes. but when I said I don't want to I was.

specifically talking about the student. loans yes I get it that's one thing why. do you why do you think you are entitled. to I don't want to the kind of logic is. that there's a lot of things I don't. want to do congratulations it's not. always my choice you signed up. for and I'm not saying I'm against. forgiveness either but just the I don't. want to that's just being an entitled. little. brat that's what everyone else Bank of. America. $4,000 $1,500 of it as in.

savings well I should tell you that. today huh I got a text to on the way. here that said your balance has fallen. below $100 oh my what are we doing but I. get paid on Friday so it'll be fine. living paycheck the paycheck it'll go up. to like. $15,000 a year paycheck paycheck and I'm. working from home now so I'm not eating. out as much I'm doing better what's.

better well so before I was going into. the office when did you start working. from home let's do that inste um in June. so I was hybrid always okay all right. well. this not all middle of June so my office. flooded so I have to work from home and. so I'm not going out to eat every day so. you're going back to the office once. it's unflooded so I was hybrid always. but I like to work in office because. it's more. fun never heard anyone say that well. there's like people there to hang out.

with you're a you're an extrovert I'm. the personality higher the personality. higher yeah it's like that's why they. keep me. around comic. relief. right okay but yeah so I'm working from. home so I only go I don't go into the. office cuz there's not an office anymore. at flooded but I go to meetings and. stuff two days a week now and so. sometimes I eat out those two days but.

as opposed to five you know what we do. here for fun at this office why we. encourage everyone to come here sandwich. apparently we. gamble gamble we actually haven't done. that yet but we're going to do it on the. post show you me and knowah we're going. to gamble I don't know what it means but. that's what I was told we're I actually. have absolutely no idea what's happening. but we will find out that we're going to. gamble I'm very and and then honestly. since usually the shows more the T-Zone. I have a million more questions to ask. about your situationships and weirdness.

but I'm saving that for that cuz I try. to save this the finances for this even. though it's not always possible um and. I'm sure he has questions too because he. knows more things than me because he. does all the you know interviews and. stuff like that so you know I'm just. exploring I'm expl other very well. okay I don't like this lore that we got. going on that we're. building all right I mean we could know. each other better. you you know you have a boyfriend yeah. but I was saying like we're.

friendly I. meant in a professional way. okay oh this episode okay R. Bakery oh that's gymnastics Fleet for my. kid Fleet F Feet Fleet oh you got. running shoes I started exercising okay. for mental health reasons right so I'm. doing that couch to 5K thing I'm. learning how to run oh I've heard about. so I had to get new shoes because my.

shins were hurting but I feel like 150. TP we don't need that okay calm down. Amazon Raising Canes uh going inside. getting some from Target. probably Amazon Unleash Your Imagination. it was a kids. event uh it was a run it's a 5k that um. benefits my kids school. $25 for that Jimmy John's going on the. store getting some bull fresh donuts. Bahama Bucks and that's snow cones going.

into Walmart getting some bull no no I. but okay sorry going to I am on edge. going on going in the store getting some. Jimmy. John's Manley. moo manly gift website for your man no. it's a long story is it a good. story maybe I heard somebody's feeling. feelings and so then I thought the right. thing to do would be to order them some.

flowers made out of beef jerky for a man. but then that's American yes that's but. then I but then I canceled it so you'll. see it goes back it refunded you heard. his feelings it's difficult to explain. try so I took a screenshot of something. he said to me and sent it to somebody. else oh why would do that they called. him and we're like why would you do that. you're the problem with the. communications are private dude yeah. well unless what did he say what did he.

say. um I can't talk about it did he try to. get with you yes okay yeah I think. that's okay I think that's okay never. mind I thought it was like kind look at. this loser no it made me uncomfortable. and I was like this guy is crazy and. then she the person I sent that to. called him and was like this girl said. you're crazy and I thought well I mean. you guys are middle schoolers apparents. that was very mean girl of me which yes. it was I thought it was going to be more. like uh uh you send it to the like just.

what it doesn't matter Insomnia Cookies. McDonald's parking garage the cookies. are for my boyfriend oh congrat okay I. don't need an explanation for everything. this is just bull spending that you're. doing state. parks NRI and mod pizza and Cafe Arby's. parking garage going inside getting some. your affirm what are we. affirming so there's more debt what are. we affirming making it seem worse than. it is what do you.

mean okay they affirm I bought something. for my kid and but it was z i that. doesn't matter. just yeah everything's for someone else. that's great you're still spending it. and it is stuff you're not paying off. your debt you have so much debt that is. just accumulating gaining interest. you're spending $100 more than you make. on a monthly. basis your your account is less than. $100 today and you're relying on your. next page check I don't care if the. cookies are for the the guy I don't care. if the affirm is for the kid I want you.

to be able to spoil people you have less. than. $100 I hope no payment hits. it'll bounce well I just but I transfer. money for my cool so what did you get. from a firm so it's called a Yodo it's. like a a thing that reads to my kid cuz. you because we have an iPad but I'm. trying to I don't want her to be an iPad. kid so I'm trying to move away from the. iPad so this is just audio and it's. supposed to be teaching her to read okay.

but she hates it oh okay so cuz it's not. an iPad yeah but I was trying to do. better but it 0% so like it's so we. decided to do better we got Texas Burger. Jimmy johnes. TexMex Children's Museum IHOP going. inside getting some Donuts. marble and slab Jimmy John's going. inside getting some. bull Tik Tock shop oh you waterburger. Spotify listen to ads you're getting out. of debt it's okay it won't kill you.

Chick-fil-A waterburger Chick-fil-A HBO. Max the HBO I can cancel I don't need it. you can cancel everything else no no no. Spotify I need no you can have it just. listen to. ads no so you're not willing to make any. not just it's not just ads no Spotify is. the one not negotiable and the boyfriend. okay okay not saying dump them but I. think the way you guys are going on. right now like maybe it's like a. communication thing do you want to talk. to him yes sure oh yeah him up he's at.

work call him I he works for the. government he can't his phone he can't. bring why would you dangle that in front. of me no no I meant like. separately maybe I don't know I I mean I. think you guys should have the. conversation what I was going to say is. that yo she can't afford it anymore do. you think instead of he doesn't know. okay again conversation you guys are. dating for a year and a half I I think. instead of it being every other maybe he. comes for two you go one so if he can.

afford it and you're trying to get out. of debt and he cares about you I think. it's okay that for every two he goes. here you go one there just to help a. little make it more you're going every. two months instead of every month. because we can't have a $500 payment. every month right now with you. Chick-fil-A. waterburger and it also shows how. committed he really is to you if he. really understands and cares about you. and not just being around you but. actually cares but then what if he says. no Then you've.

learned $400 in that. savings thought it was more so it is. more now every paycheck $200 goes to my. savings since when it was $400 so ago. okay 13,000 infidelity I'd be happy if. you're a decade younger for that but I. don't really I think I'm doing it wrong. what do you mean well like I put the. money in there and then I don't don't. think it's ever I didn't know how to. make it make more.

money I think I was supposed to do. something cuz I don't think getting. interest um so but I don't know what. it's in I don't this is the only page I. have here so I can't I don't see what. it's invested in it was a 401k from. that's great but I don't see what it's. invested in I don't think it's I don't. think I don't no it's gaining interest. so it's in something like even it's just. like you know treasuries or something I. don't know B. or just some high yield cash whatever we. are basically halfway through the year.

and I need to make sure you guys are. saving your money in the right place in. my resources section in the description. below you can sign up for one of the. best high yield savings accounts there. are but you can also get $300 for free. with qualifying deposits you can also. get FDIC Insurance up to $2 million on. your money and get. 4.6% on the money that's just sitting. there it's exactly where I put my money. why let your money lose money when they. can be making money it's the biggest. no-brainer in the world open up a Sofi.

high yield savings account now and get. that $300 for. free 6,500 in the current retirement. plan yes that seems okay this one's. actually invested in something for sure. cuz it has returned 15.63% I think. that's like the S&P 500 I've only been. doing it for a year two so I think. that's good see um we're at. $20,000 I I'd be happy with $20,000 if. you were more like 28 oh well but we.

have another thing here that was you in. the military no I worked for a city and. so that they use the teacher retirement. system they the same thing okay I tried. to take money out okay so $23,000 uh. nope round it up. $21,000 wait I have an. idea what if I take that money out of. the Fidelity what if I use that can't I. just pay everything off. okay it's kind of like a consolidation.

the way you'd go about this right and I. know why don't you actually let me. finish my statement okay sorry. okay because you're going to have to pay. the capital gains taxes on a lot of that. for if you were taking out of your 401k. at your current work you'd probably pay. some short-term capital games as well. cuz that's where the real games were. you'd also have a 10% penalty on those. so you lose an instant. 10% because you're pulling it out before. 59 a half and these are tax advantage.

retirement. accounts really in general for your debt. consolidation that you already did on. the interest free card that's at 0% your. car is at 4% your student loans are at. 7% so any any of those all of a sudden. you know 10% isn't competing like let's. just say there's no capital gain so that. just makes no sense there is that Bank. of America card where there's. like you know mathematically you know. maybe. but I don't think that's really what you. need to do though because again this is.

where it kind of comes down to the. consolidation thing really if we change. your behavior get you on a budget you. actually do the budget go through our. budgeting class go through our investing. class go through all that you'll learn. about the investing learn out of budget. go through all that it's bundled now at. a discount by the way. um if we actually get you on a budget. and we get your discipline under control. you can pay off this 5,544 while you. allow your retirement to continue to. compound okay I don't think that's what. you need to do the Bank of America 1.

would be the only one where it makes. sense but I don't think you need to do. it might make sense might is the hard. word okay so um your retirement behind. where I'd want. you not dramatically I don't know if you. answered your quiz online correctly. because based on what you here had here. if you were to input things correctly I. don't think think cuz even with having a. few hundred in your savings I think you. would at least gotten a one in your.

emergency fund like you would have so. that doesn't make any sense so we'll. make a budget but again that's only. dependent if you're actually ready to. change are you ready to cut spending are. you done with spending are we able to. put that in the past and move forward. yes because then you know I was like in. my mil era and now I'm over it I'm doing. better. okay someday I'll enter my D area there. a. me if you're.

lucky. what all right your budget $4,000 is. going to be coming in raise Yay. hopefully oh you don't know I thought. you said you got the raise well like I. should have already gotten it okay so my. job. 3,800 if you get it that's awesome put. it in your budget. 3,800 what is your rent it just went up. to. $875 oh that's actually that's not bad. that's you're moving up okay yeah gosh I.

thought I was going to freak out. utilities water gas electric all that. what is it all together um water gas. probably $200 Internet it's. 58 renters insurance I think it's a. 13 gas vroom vroom drive drive skirt. skirt um maybe like $50. every two weeks okay oh sorry a month. yeah $100 $50 a month $100 a month yeah.

sure okay Outlander isn't that an SUV. yeah but I don't drive I mean I don't. have any friends so I don't go anywhere. I work from home okay join some clubs. and stuff like that yeah have fun I. can't I can't afford that oh like it's a. like a jocking club yeah aren't you. getting into running yeah I could do. that car insurance. my ex-husband pays it okay so he pays. for child care he pays for the health.

insurance and he pays for your car. insurance yeah because we were on it. together right and then when never it. made more sense to just stay on it and I. keep saying like oh tell me how much it. is and I'll give you the money and he. never tells me far away you're from. Austin uh two and a half hours ah. probably too much Noah said you could go. to the running club he in oh but we can. go together yeah but two and a half. hours I'm so slow I'm yeah buddy I. couldn't even run across the room I. think you'll be okay I am not doing a. race okay so your exp husband $100 for.

the TP fun 50 let's include the kid in. that necessary food let's do 450 for you. and the kid that's groceries health. insurance do you have any co-pays or. anything you have to take care of not. regularly just if we get sick yeah okay. subscriptions I'll give. you Spotify is. $11 I'll put it I'll put it in and see. what happens you have any pets yes I. just got a cat you have pet insurance no. how much is the cat food H not very much.

I would say less than $50 a month okay. 50 bucks a month for the cat just like. phone bill okay so it's. $167 but my mom and my dad are both on. it and they both pay me $50 each so I. pay 67 you can still dude if you well. are you paying for your phone still or. is it just a service I'm paying for my. phone still just but it's like the worst. one you're yeah but when you're worst. one it's like a iPhone SE or it's like.

you know one of those when you're done. too it's 20 bucks helium 20 bucks for. helium t- mobile Towers about my parents. yeah they're your parents maybe they can. take care of themselves or do you want. your kid to be codependent with you your. whole life no okay you know same. thing so you have to pay 60 right now. switch when you can honestly just save. your money dude there's no reason not to. oh wait but I do get a stip in for my.

work for my phone so oh but that's. included in my paycheck oh then never. mind it's. $60. okay debt Min monthly payments. $964 199 a month that's what happens. when you don't care anything else I need. to put in your. budget I no well wait flights. let's see where we're at before the. boyfri put that in my bu yes.

love love you are just making no a. giggle let me tell you he he. just 2 he just shut the door so he could. giggle. $2,931. 199 that's pretty. good uh yeah I mean you have an extra. $900 but where does it go are you me but. like where have I been doing with it are. you kidding me we went over it already.

at the beginning like you spend 30% on. I don't I don't think so we. went over your SP we went over your we. went over here spending account I don't. know what to what are you talking about. what are you talking about what are you. what a dude are you kidding me I'm not. going through that spending account. again no no you don't don't so what do. you mean I'm just. surprised that's all so I have to put.

will you talk to him and have him do two. flights for every one flight you do will. you explain your. situation yes okay so I can budget $250. a month for flight stand for you because. you'll be doing one every two. months yeah yes that sounds. reasonable he likes me a little bit I. think okay cool. okay sake ni $900 minus $250 okay you. have an extra $650 a. [Music].

month wait no this does include that the. minimum the payments I put in there. thank thank goodness oh this just scared. me that does include you paying off your. your uh City card so we can actually. cross it off cuz that includes you. paying off your city card before. interest starts uring so congratulations. good so that means this $650 a month is. going to start going to the Bank of. America card uh uh actually we're going.

to set it aside for. two three okay three months we're going. to set it aside so we can. have $2,000. close it's not a full one month. emergency fund but it'll help you $2,000. okay so month number four just finish. the Southwest card uh okay and then. throw everything outse to the Bank of. America card okay now where are we month. number five yeah $650 left on a monthly. basis you're going to have $5,000 on the. Bank of America card by.

then pay off the Bank of America card. will round up to eight. months so 13 months a year and one month. Bank of America is. gone at that point The Outlander we. probably also going to pay off in. another eight months so a year and nine. months. in well actually probably probably like. six months for that really with the the. rolling we get to do of the city card. being gone probably could probably. honestly even be like five months but.

we'll call it a year and a half we'll. call it a year and a half you'll be out. of bad debt except for your student. loans which are bad debt because they. are 7% what I would do for that just for. risk Simplicity first of all I mean. you're going to have to file taxes again. your income's going to go up you know. the your income based repayment was. probably at a lower income no I just the. current income you just redid it and. they give crazy it is a little wild it. it's $33 a very generous the most I've. ever paid one time it was like $11. listen you're able to risk assess of. that situation I just get a little.

nervous based on everything I talked. about earlier I would get on the. traditional repayment plan you don't. have to it's up to you I would want to. pay it off but that point definitely get. a fully funded emergency funds called in. another six months so two years a year. out of bad Deb except for the student. loans and you have a fully funded. emergency. fund contributing I'd start contributing. 25% to to retirement every month okay. every month and know no offense I really. don't really have hope in this just. based on a lot of your lack of care your. lack of want this is this is this is.

whatever um you've made really. interesting choices and uh I I don't. want to be rude but that is my honest. feelings and I always give my honest. feelings don't really hold back on that. as everyone knows so I mean that's where. I stand but that is what I would do and. I would throw the student loans in there. I'd start grinding at that maybe you. know we get the fully funded emergency. fund pay off all the bad de except for. the student loans in 2 years then we. just start doing double the traditional. payment on student loans you know uh and. then we include.

that 25 20 20% away for retirement at. that then once the student loans are. gone bump that up to 25 so let's get you. real spending in a budget was 0 to 10. you spend $100 more than you make debt. you're right it wasn't the worst debt. but it's pretty much as bad as it can. get with those High interest rate. student loans and then a Bank of America. card without going into collections or. anything it's going to be a one out of. 10 I'll be a generous and give it a 2. out of 10 emergency fund one out of 10. because at least you started wait yeah. and you said it got a little higher good. that that lowers the first couple months.

of needing to get to the one month so. that's actually good maybe that only. takes two months so. retirement I'm going to give it a five. out of 10 for your age real estate 0o. out of. 10 that's going to be a one and a half. out of 10 not a four not a zero make. sure to check out every every Link in. the description below as they are the. resources I use or would use in specific. situations including the best budgeting.

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