I (almost) Gave Up.. | Financial Audit

You're the villain. >> I don't think about it that way. >> You are the villain. You take all of her. money. You have kids. And yet this is. how the finances end up. You're the. villain, >> but the bills get paid. >> Oh, you're and you're smirking. Are you. proud about this? This is insane. You. affirm everything, yet you also blow all. your money. Everything's easier. Why? That doesn't mean. >> it breaks it down in payment. Complicated. >> You're not complicated. Stop saying. that. You are a. The tools to change your life have just. been upgraded. Download my budgeting app.

rebranded to DollarWise today and start. your free trial. Sign up for the annual. version and I'll send you my budget. friendly cookbook that can't be. purchased anywhere else and I'll. personally sign it and mail it directly. to you. Download the Dollar Wise. budgeting app today and take advantage. of your free trial. >> Hi, I'm Eric 27 from St. Paul and this. is Financial Audit. >> St. Paul, Minnesota, right? >> Yes, indeed. >> Beautiful. Thanks for coming down to. Austin. Happy to have you here. What do.

you do out there for a living? >> Um, I just recently lost my job, but now. I got a new job. >> Well, why don't you tell me what that. job is? >> Right. I work at as a electrical. technician, per se. >> Yeah, I'm more a Sanguinarian vampire in. that I rely more on the life force. energy, per se. >> Okay, cool. What do you make? >> What do I make? Um, I make just around. I think 1,700 a paycheck. >> 1,700 a paycheck. Is that twice a month?

>> Yeah, twice a month by week. >> Very good. So that's $3,400 a month. Now. I heard the St. Paul area all you know, Minneapolis and whatnot. Actually. halfway decent city even though it's in. a miserable place that I would never. live due to the horribly freezing cold. and gray forever. >> But it's great. >> Mhm. So. >> it's cold year round. We like it. how. you living on this 32 cuz I don't know. the cost of living there. I'll be honest. as much. I know it's a place that many. people are moving to, but. >> um it's not bad. It's 2,600 a month for.

a house. >> Not for your house. >> No, I rent a house, but it's 2,600 for a. fourbedroom house. Has a decent sized. property. >> Okay. Answering a question about a. house. I'm asking how you doing? >> How am I doing. >> there? How's the stretching? Um, >> how are you living there on 3400? How's. life? >> Not so great. >> Hence why I'm here. >> Hence why you're here. Let's turn this.

into a podcast where you give me more. than a couple words. >> Um, but that's that's one sound. We are waiting to. >> um It's hard living there, honestly. I'm. about $3,400 because I haven't gotten a. paycheck yet, but recently. >> Well, yeah. But 34. Okay. What did you. do? What was your job? >> What was my job? I was a chemical. technician. >> Very good. What were you making? >> Um just shy about $1,200 bi-weekly.

>> So, very similar. So, this is it's going. to be a very similar Well, >> yeah. Okay, great. Actually, you're. making more now. >> Way more. Yeah. >> Good. Well done. How are you doing. there? Cuz now you're able to translate. was like a pay in about 33%. >> So you should know how you will be doing. once the pay has hit your account, >> right? >> So tell me what it's like living there. on this on the finance show where we. talk about where people live and certain. kind of money with their debts. >> It's going better honestly. >> Then what?

>> Just paying everything off more and. trying to snowball things down. >> No, you're not. That's a literal lie. Uh. but okay. or or just ignorance to you. not really understanding what's. happening in your knowledge. Okay, so I. feel like I didn't really get an answer. there. But maybe it just didn't lead you. along. Maybe I'm not good at that. I. don't know. Maybe that's your bad. quality of not being able to answer. questions or my bad quality not being. able to ask them. I don't know. >> what's going on. What are we talking. about today? >> Um I am in debt, per se.

>> I think it's time for us to feed per se. My wife kind of forced me. >> Well, that's the story is my wife kind. of led me into some debt. When we got. married, I took on some of her debt, but. it became my debt. >> This is a lot of paper. This is as thick. as you. This is big. This is big. You're. saying this is all wife. >> Not all wife. >> Then what the you talking about, wife? >> Um, she needs things, so I put it on my. own card. >> What does she need? What? Like new tits. or you saying a McDonald's purchase? Like I don't know. Like what? What. quality are we on? Does she Okay, she.

needs Timu. She doesn't need timu. But. >> well, you just said she needs things. >> Well, she needs things like her books to. read. She likes her timu. She kind of. likes to go out to eat sometimes. >> Went back to teu. Okay. Yeah, she likes. to go. Okay. So, then needs all I hear. is books. >> wants. Well, you said books. I can vibe with. books. >> Yeah, she reads every night. >> What is that? Like 50 bucks a month, maybe? >> I'd say 120. >> 120. >> 120. That's why you're on this show with. a document this thick, which is huge, by.

the way, women. Correct. This is a lot of paper. And that's. because she spends $150 a month on. books. >> No, I'm going to need a lot of my. negligence. >> I'm going to need a little uh uh that's. not correct. And tell me what's actually. going on. >> Um I'm in debt more or less because I. have a spending habit of just buying. things. >> Now, why didn't you say that the first. time? >> Cuz it sounds more fun when my wife's in. trouble, not me. >> Does it? Or does it sound like an. immediate deflection because you're not. willing to accept that you are the. problem? I don't want to go too hard on.

you out of the gate, big guy, but you're. just um not really. >> not grasping it. >> Not really doing the podcasting thing. very well. Uh listen, I mean I see. $133,779.38. of debt. >> Sounds about right, if not. >> That's I spend. that's I spend that's my wife wants a. book. >> No. Not just a book.

>> Okay. How long were you jobless? Cuz. maybe that would explain something. >> Just about. >> Maybe I'll answer the questions for you. Okay. There we go. Now there's. something. 6 months. >> 6 months unemployment. Waited just. >> on unemployment. >> Oh yeah. >> Okay. So you had supplemental coming in. >> I had supplemental income for about $530. a week. But. >> it's not great. That is $2,000 a month. Then also what we're talking about is. you were making 15 every paycheck. So I. mean yeah you got to cut about. >> 30 of your habits. >> Well no you're making 1,200 every.

paycheck. So really you got a $400 pay. cut. >> Yeah. It was hard with kids as they grow. up. >> You can cut $400 from your life. >> $400 seems nice but honestly that's. change. >> Well if you're unemployed and we're just. in survival mode you could cut $400 from. our life which was the difference. between your previous pay. Seems easy. No it doesn't. No it's not about seeming. easy. It's a number. You get in the. budget, you see where money is going, you see where you can cut. >> Okay. I'm looking at what I think is. probably an unemployed month cuz you. just started your job, right? Right.

>> Right. Okay. Good. Yeah. How much went. going out to eat? >> I would say 2,200. >> What the How's it even consider What are. you laughing at? >> Oh, you know, cuz I know it's real. >> How's that even considered remotely. acceptable if you're on unemployment and. you're complaining that you can't live. off that. >> 2,000 hours a month? So you would spend. over your unemployment on literally. going out to eat? >> Yeah, sometimes. >> How is that acceptable? >> Cuz I like food. No, I mean,

>> how is it acceptable? I know you like. food. Chubby is an understatement. >> Understatement. >> Well, we're not going down that path. I'm Tell me how it's acceptable. I like. food is not an answer. Um, some nights. when the kids want to go to bed early, we want to go and have some Taco Bell. maybe late at night. But honestly, I. think that's home to escape and run to. Taco Bell. >> No, Door Dash. That's the best part. It's free and easy almost. You get the. dash and easy almost. Wait, can you. explain how it's free and easy almost?

>> That almost is carrying a lot of weight. Almost like your chest. >> Yeah. So, the free part is. >> Me, too. >> More or less the Door Dash part. You buy. the pass and it's free delivery. Well, that's where they give me. >> Yeah, but there's still the city charges. and all the and all the tips. and fees and death. >> But you don't think about that when you. want food. >> Well, I do when I'm budgeting and want. money. >> But a lot of times, >> okay, does she bring in an income? Because that doesn't make sense. It's.

$2,000 a month. Of course, she does. That's not necessarily an answer. Look. at you. 6 months didn't have a job. >> Yeah. >> What's her job? What does she bring in? She's a teacher's aid and she brings in. just about 1,600 a paycheck. >> That's every other week. >> Every other week. >> Very good. >> So 32. >> 32. >> So we're talking a total of $6,600 a. month. Okay. That would help supplement. the literal insanity of going out to. eat. I have to ask a question. Based on.

how much we're spending going out to. eat, is she also morbidly obese? >> No. >> Really? Mhm. >> Do you consider yourself? >> Yeah. >> Okay. I have to ask that in. qualification for what you're. considering her. $1,5178. going out to eat, which is insane. But. the fact that you said more just blows. my mind. Like it means nothing. Like it. means nothing. And you brought up kids. as well, >> right? >> And that is deeply concerning. If we're. doing that well on unemployment, that. basically covers your unemployment that. was coming in. Like what the are we.

doing? What a disgusting what a. disgusting thing to do with our. finances. No offense as a father. How. many kids we got? What are their ages? >> I got two kids. The first one is 2 years. old and the second one is just about 10. months. >> You're doing this? You're doing this? Well, there's a 10-month-old. >> Mhm. >> Yep. >> And you're smirking. Are you proud about. this? Like, what the then? Why do you. continue doing it? >> Why do you consider this? Huh? >> Honestly, I don't know. >> You don't know? Dude, try to take any.

element of self-reflection, look back. last month, walk me through it, cuz what. the. >> um last month. I had brain fart. >> of last month. >> Yeah, last month. >> Just just look back. Random day. >> Random day. Do you want a playbyplay? >> I'm talking about you spending this. money, man. I'm going out to eat while. you have your kids. The work history is. kind of hard with everything just going.

on with me. >> The work I'm talking about you spending. money on going out to eat. Are you here. right now? >> I'm thinking about all the food. >> Well, no. That's what I'm trying to get. you to answer. So, if you're thinking. about the future, you should be able to. answer. You just brought up work. history. I don't give a about that right. now when I asked about something. different. >> Um, one second. I'm trying to think. What. was that again? >> Walk me through last month. You're. spending 1,500 bucks. You say you don't. know why you're doing it. I want some. element of self-reflection of your.

instances of going out to eat and. blowing your entire unemployment check. on Door Dash. >> Well, if you're out door dashing all the. time, you kind of have to eat while. you're out driving. >> Were you door dashing? >> Yeah. >> What? You have to eat go out to eat. while you're So, you order Door Dash to. your car while you parked in a parking. lot waiting for a Door Dash? What are. you talking about? >> Oh, yeah. That's real life. Yeah. >> No, you didn't. >> That's real life. >> You did not Door dash to a parked car. >> sometimes. Yeah, >> there's a bubble. >> How do you know?

>> Trust me. Call Venet. >> You got to do what you got to do when. you're door dashing. >> Is that what you got to do? You're in a. car. You're near the restaurants. >> Yeah, but if sometimes you're too lazy. to get out of the car and you get. another order. >> What do you think the drive-thru is? >> It's easier just to door dash it to your. car. >> Is it? >> Yeah. >> Is it actually? Cuz that is a much. longer wait than you're already in the. car near the restaurant waiting for an. order, >> right? So then you can play around on. your phone and do other things. >> Oh. Buddy, you were trying to pay the bills. for your two kids, one being a. 10-month-old, and you find this.

acceptable. >> What the. What the Dude, that's the craziest thing. I've ever heard in my life. And. reminder, literally about 10 minutes. ago, you opened with, "My wife is. bringing me into debt." You're door. dashing to your car while you're door. dashing, >> right? Which by the way, a single door dash to. your own car. You have to work what an. hour and a half to even make that back. >> Just about almost two hours sometimes on.

a low day on the weekend. It's just. >> fully admitting this and fully accepting. this. You This is the most insane thing. I've ever heard in my life. >> That's how you get in debt. You don't. think about it. >> Wife, you tit. >> Yeah. >> What did the drivers, the dashers think. when they pulled up to your car? You're. just sitting there. >> They do the same thing more or less. >> No you. Come on. They don't order to. their own car, but they're more or less, "Okay, I just got to pay it. Who cares?". >> No. No. That is very different. That is. very different. Yeah. Go blow your. money. That's a little different. Door.

dashing to your parked car. Well, while. you're out there door dashing is insane. Insane. I've never heard of that. No. one's ever heard of that. That is, I'm. not going to lie, the craziest thing I. think I've ever heard on this show. I've. seen crazy numbers. That's not a crazy. number. I mean, you have crazy numbers. You have a fat stack of paperwork. That. is for sure. But that might be the. craziest thing I've ever heard someone. do. >> Yeah. >> How frequently?

>> It's only been a once or twice thing. >> That's insane, dude. That is insane. >> Otherwise, it's door dashing it to your. house late at night when the kids are. trying to sleep. >> So after running Door Dash all day, you. would then spend. >> enough cuz then that was for your wife. Yeah. So that covered what? 5 hours of. dashing. M. >> So you 5 hours of Dash, you 3 hours a. Dash just so you and your wife could. Door Dash to your house late at night. >> Yeah, you're tired. >> You Yeah, but you're tired from the. amount you have to work in order to. order your Door Dash. That is an endless.

cycle. Yes, but this is a cycle that is. easily breakable. That's not a pay. advance cycle. That's not a bay day loan. cycle. That is a. >> don't order Door Dash one night and then. you get to work 3 hours less the next. day to maintain even. more or less. maintain even but go broke at the same. time. >> But you're going broke doing that. regardless. But I'm saying if we're. talking about energy levels, you would. be saving energy. >> Oh, yeah. >> Oh, yeah. >> Oh, yeah. >> And then he doesn't do the No, you're.

not. What is this? What is this? You owe. the government back pay for. unemployment. >> Oh, yeah. >> What is this? >> When I was ow and not answers, tell me. No, I have to pay back the government. because they found me that I didn't put. in a twoe notice. When I left the job, they didn't take my twoe notice. So, >> they brought me back to court. I had to. quit a job for personal reasons, >> but I gave them a twoe notice, was. willing to work the two weeks, but they.

didn't take that notice. They just told. me to leave. >> There are very few personal reasons. where you can get on unemployment for. quitting. Why the did you quit? >> Due to my child's health. Okay, that's. one of the valid reasons. Now, that's. six. Yeah, but how would you afford to. pay for the child's health? And what did. you quitting achieve with the child's. health? Because then you're just door. dashing every day. >> Uh, nine times out of 10, every month. like clockwork, my child would have. asthma attacks and she'd be in the. hospital for about 2 three days at a. time. She'd be on oxygen and all that.

>> And how has this been solved? I don't. think it has. >> Hasn't been solved, per se, but she's on. a new med that helps her. >> This is the This is the 2-year-old. Yeah. >> You said once a month. >> Once a month like clockwork almost. towards the end of the month. >> Your employer wasn't willing to work. with you on that. >> No, it was like a bottling factory. It. was like a 2 3 month job. >> It was a contractor job. >> Yeah, basically. >> You Wait, you were contracted for a. 3-month period. You weren't Were you. >> It was supposed to be a year and then. hired on to see how you were.

>> You got on unemployment from a contract. based job? Yeah. >> One with a time end. >> You got. >> That doesn't seem right. And that's why. the state came back after me for it. >> Good. I'm sorry for your child's health. issue. It's not about that. It's about. uh if you have a contract at the very. clear end, and not only that, but you're. quitting it, you don't get to qualify. for what we're paying into where people. usually get fired. >> I just thought unemployment benefits. worked like that. >> Well, again, the child health thing. actually might be something that is. valid under certain things. States have.

their own rules as well for what it's. worth. Minnesota. I don't know off the. top of my head, but that is fair from. the sounds of it that you owe back. Well, how much do you owe back to the. state? >> Uh, just about 7,000. >> What? How much did you get in total? >> Uh, do you owe everything back? >> Everything. Every cent. Oh, >> no you are not. No, you are not.

>> Yep. That is insane. What the is this? Owing the state of. Minnesota money back while getting Door. Dash ordered to your car while you're. parked not working for Door Dash. >> Reality, huh? >> Deserved reality. >> Oh, yeah. >> But it sucks cuz you have kids. >> Just makes it hard. >> But that doesn't take away the fact that. you abused the system. >> I wouldn't put it that way. you. Well,

how would you not? >> I gave him a two-e notice. It wasn't. supposed to be on contract. It was. supposed to be a 12-mon contract. >> That is contract. >> Yeah. It's kind of hard to say what that. the way that was written with the. contract and not a contract. Yeah. >> I don't know how to explain it. Yeah. >> Any kind of coherent way would be. beneficial. >> So, the government, do they want it all at once or. >> No, it's paying plan. Good. >> I still haven't set it up.

>> You haven't set it up? >> No, they gave you 60 days to come up. with a plan. >> Oh, you you haven't even set it up. When. did you hear about it the first? >> Uh, about a month ago. >> Oh, you. Oh, dude. What have I walked into today? >> A cluster. >> Oh, a cluster. A cluster from the. audience. >> You're there. This is one of you. This world is crazy. This world is.

crazy. kaleammer.com/apply, by the way. But what the. what the. Oh my goodness, I'm getting fed so many. notes. Mostly cuz you're not talking. But um his employment history is an. issue. He had an amazing job out of. college but quit because they asked him. to do too much work. What is that? What. is that? Tell me the about that right. now. >> I don't know what to say about it. Uh, tell me literally anything. The job.

and what was considered too much work. and what was the pay. What the do you. think I would want to know? >> Of course you want to know everything. >> So tell me. >> Well, it's hard to describe how you go. from a job making X amount. >> What was the job that made X amount and. what was X amount? You. >> I used to be a pipe engineer making. 120,000 a year and had everything. Oh, >> and then one day. >> you got that right out of high school. >> Yeah, right out of college. >> How long did you do that? Oh, college. Sorry. How long did you do that for?

>> Just under 3 years. >> And what was the They asked me too much. >> They asked too much of me to move to. Kansas. Just up and leave within two. weeks right after having a first kid. It's not like you can just up and move. everything for like daycare and whatnot. >> But you kind of can when it comes to. your entirely livelihood. People do it. all the time. I'm not saying it's. wonderful. Yay. Yay. Yay. Let's go. But. yes, it's hard to move with kids. This wasn't a kid that was settled in. any kind of dig is family there. >> Family's in Minnesota. No, I have.

nothing out of Minnesota. >> No, no, no, no. In St. Paul? >> Yeah, >> that was a very delayed Yeah. >> Yeah. I got family in St. Paul, but it's. hard to move to Kansas. >> The close family. >> The close family. Well, I would only. consider two people close. >> What are they? >> Mother, stepdad. Yeah, father's side is kind of. >> Yes. Okay, now that would be a reason. Why did I have to come up with it for. you? My gosh, why couldn't you just tell.

me that? Oh, okay. This is going to be. one of the days where this is a hard. job. Okay, I have to like find the answers. for you cuz that's a relatively valid. reason for wanting to stay there with a. newborn to keep them near the. grandparents. >> Yeah, it's kind of hard. I just don't want to up and move my. kids. That's the problem. >> I get it. I get it. Now, that's not. asking to do too much. That's asking for. a big move. Now, people do this all the.

time, though. >> Yeah. But I assume that they move first. and then they would bring their kids and. move their whole livelihood down to. another. >> That's more like immigration from. another country. That's not moving to Kansas. >> Well, with a new Minnesota, >> you would think it would be harder with. a newborn. >> potentially. I'm not saying it's easy, but people do this. Okay. >> It's not good, is it?

>> Uh, it's not great, buddy. Your entire. everything is not great. >> It's not great. >> Glad we could agree. >> on something. >> So, you quit that job because of the. asthma thing, but didn't really 100%. need to. you're kind of showing because. you went back to work and you're door. dashing constantly. So, that didn't. really make sense to me and then you. frauded the government. >> I wouldn't call it frauded.

>> Well, they did and that's why you owe it. back. >> They more or less petitioned me to go to. court and figure it out. But I wouldn't. say frauded. >> Why do you think it was in court, dude? >> Cuz they just want me to pay the money. back. It's a legal thing. >> Why would they want that, dude? >> Cuz the employer feels like they got. ripped off. But honestly in there, there. was somewhere in that clause that I. could claim unemployment. >> And who won? >> I initially won. That's why I was. >> in the end, you know, the one that. matters. >> The employer, honestly. >> Yeah. I Yeah. Yeah. Yeah. They did. They.

did. >> Dude, what the I mean, that's just it. And it was settled by court, right? >> Yep. >> Well, there you go. This wasn't even a. mutual agreement between you and the. employer, so that's it. You okay? You it. >> your choice. Your fraud. I mean, Colton told me you were ranting. to him that you lost on a technicality.

>> That's technically a technicality in my. books. >> But that's it. That was the contract. Yeah, but when you think about the. contract, when you think about the. contract, it states in there that you. can claim unemployment if you give them. two weeks notice. >> And the court said, >> "No, >> buddy. I don't even know this. This is. so much paperwork. We got to get into. the finances.". Especially since they'll answer. questions better than you. But first, we. know what came in. Am I looking at the. joint house? The whole house?

>> Nope. That's just me. >> This is just you. >> My wife didn't want to be a part of it. So her paperwork's not in here. >> That's none of her stuff. >> So I have to cross out her 3,200. So. it's. how much was spent last month? What was. the outflow? We know the inflow. What. was the outflow? Outflow includes. everything includes everything that's. outflow. What would the outflow be? We. know inflow. We know inflow. We know. inflow. How much was outflow? >> I would probably say 9,000. >> News flash. It has been over 16 years. since the federal minimum wage was.

raised to $7.25 25 and company. productivity has doubled while our. wallets have not. And let's be honest. for a second. Feels like the system is. broken. And we all deserve to be able to. get an apartment, house, or car just. like our parents could. But to do that, you need to have good credit. And that. is why I want to put you on to today's. sponsor, Kickoff. There's no credit. check, no interest, no hidden fees, just. a ridiculously easy way to start. building credit with on-time payments. and plans starting at just five bucks a. month. For your first month, start. building credit immediately for as.

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Get k i kofff.com/caleb. Grab your tits, dude. It's $10,892.78. But why would $9,000 be considered. anywhere near acceptable for a father of. two children, one being under a year. old? Why the you give me that answer? >> I don't know. Honestly, bills get to be. a lot with kids. >> What are the bills? What are the bills? What's $9,000? $10,900 specifically. What is that? How does that life end up.

being that? Can you tell me, please? >> There's some medical bills for her that. I. >> everything. What the we doing, dude? I. saw $1,500 going out to eat. We all saw that, right? Did we all hear. that? And you immediately go to the. medical bills. No. >> Nope. Food's never on my mind. I just. like eating. >> I think food's always on your mind. Debt. >> payments. They don't get tits for no. reason. >> No. And debt payments net were $776. So. you it was putting them on a firm. You. spent double your net debt payments to.

going out the feet. >> You got to pay the bills somehow. >> You not even the household. You you just. you. >> Yep. I I don't know what else to say on. that. That's just me. I think about food and I eat it and I'm. done. That's it. >> It's not even the household. Oh, >> it's not even the household. Not me, not. her you. It's all you, dude. >> You this spending $11,000.

Are you going to blame the kids next? >> No, they're innocent. They don't even know how to talk yet. >> 2-year-old can't talk. >> She can somewhat talk. >> Three years old, they can start fully. talking. >> 2-year-old, they start learning words. and sentences. >> I still use It's an additional. 600 bucks. So, we're talking like 1,600. bucks there. Unknown spending. We don't. even know what this is. We're going to. find out. This digitally Amazon, Walmart, probably you uh $2,000. Dude, this is insane. This is insane. In every. measurable way possible, this is why I'm.

here. [Applause]. >> That's why I'm here. Yeah. Ding, ding, ding. Ring the bell. Celebrate. Woo! There's confetti falling that the editor. put in. I'm glad we hit it. Well done. That's why you're here. Oh, I just like. Listen, that's why you're here for me to. tell you did 11 11. big guy. Do you budget? Is there. anything is there any indication of any. semblance of attempting to do anything. here? >> I wouldn't say I budget, but I put down.

in my notes on this app. I have. everything laid out how much it is and. where it goes. >> Notes on this app. >> Yeah, I have an app that tells me where. all my bills go and how much it is, so I. kind of know roughly where I'm going. >> Why not just use a budgeting app? It's. not a budgeting up. >> Budget on it, but realistically, I don't. even know how to use a budget clearly. >> Oh, for sake. Well, I'll put you through. the budgeting class. What the? That's. insane. What do you think your score is? 0 to. 10. Zero being the worst, 10 being the.

best. Your finance score, what do you. think? >> Neg five. >> That's not an option, so I'm going to. assume zero. >> I say zero. >> Yeah, sounds about right so far. If you. want to see where you stand in the world. of finances, take the Hammer financial. score assessment. See where you're doing. really bad, where you're doing great. It. is free at caleb.com. And if you don't. want to be like a guest who ends up on. the show, make sure you sign up for the. dollar wise budgeting app. It is my. preferred budgeting app. That is the one. I use on a daily basis. Sign up for that. free trial. And if you like it, you can. save a lot of money by signing up for. the annual version. And when you do, I.

will personally sign my budget friendly. cookbook that is going away in just a. couple months. And that'll no longer be. available. I'll sign it, mail it. directly to you. dollar.com. Learn more. there. Links in the description as well. Okay, we got to get into this cuz this. is this is I have a checking account. first, which. >> not pretty, is it? >> I don't even I never start with checking. accounts. So, that means there this is. something special. >> There's a lot. >> That means this is something special. It. starts with debt always.

>> As I say negative, I'm currently. negative in that account. >> Negative what? Um, anywhere from $200 to. $300. >> What right now? You. >> negative $255 and some odd sense. as some automatic bills came through and. I still don't have a paycheck. >> Oh. Oh, then you're grinding on the dash and. not dashing. I don't have a paycheck. So, you're not spending $1,500 going out. to eat it. Is it as easy as that? It is. as easy as that. There is There's It's.

not even a question. It's not even a. question. You You tit. You absolute tit. Dude, no. Is that even a question? If. you can't pay your bills, you're not. going out to eat your. >> You would think it's that easy. >> It is. It is. It is. SF to a f. It is. It is. It is. >> A lot of times you get home late. It's. hard to cook. >> Even getting late at home. How many. hours a week are you freaking out doing.

dash? A day. A day. A day. What? I was. working a door dash a day. >> A day? Probably 10. >> No. You doubt. You're sitting in a. parking lot ordering Door Dash to your. car. You 10? >> No, it's 10 hours actually. >> 10 hours of getting back late. What are. you on? What do you Oh, no. Actually. running 700 p.m. 2 hours after 5. Guys, we got back so late. You're framing this. as you got home at midnight after the. grind at the factory. >> This is just on the weekends now that I. have a job. When I was out there, I was. >> And what time do you get home from the.

job? about 5:00. >> Oh, so late. Dramatic. You're almost. dead. You're You're so What a. sympathetic message. Oh, no. I get home. at 5 when most people are getting off, by the way. You. Oh. Oh. Oh, I'm going to be such a dick this. episode. Oh, you are Oh, what an animal. Yeah, you started with 222. Now you're. 550. We're. >> I don't.

I don't even know. >> It's hard to comprehend. >> It's It's not It's just like your your. existence is insane. And that you're. just excusing it with I got home late at. 5:00 p.m. Makes me want to die. It's not hard to. comprehend. It's miserable. >> What do you do when the account's. negative? >> Uh you hope you get some money. >> And how do you get that money? You. either go Door Dash or you go work a. side job helping some people out weed. their garden or something. >> Or I'll tell you what actually happens.

You rely on your wife to pull the. account if the negative with your. paycheck with her paycheck. >> more or less. >> Yeah. Relying on the wifey, which. honestly we should be doing in a joint. checking account anyway. So I don't But. it's weird that you have to pull from. your wife. It was like a roommate. glorified that you stick it in. But. >> I don't want a joint checkbook cuz then. she goes in there and probably would. take money that I'm out doing stuff. with. that you're out doing stuff with. What. are you out doing stuff with? >> Paying the bills, going and probably.

door dashing, eating out, maybe going. buying the groceries. >> And you're opposed to that? Her seeing. that her cuz she'd be contributing. >> Complicated with the whole budget that I. don't have. >> Well, then it's not complicated cuz. you'd be building it from fresh. You're. not changing something that already. exists. >> But it would complicate how I go and pay. all the bills and where everything goes. >> This is how you pay your bills. This is. more money. Put it in a pile. There. should be one bills. >> Yeah, I wish I could say that. >> What? Why can't you? >> Because all the bills are technically. all in my name. She only has two cards.

>> It doesn't matter whose name it is. We're married. We're in a partnership. They're all our bills. >> Yeah, I just take control of the. finances and kind of $550. How can you. take control of the finances? You can't. take control of anything. Do you not trust her? >> Not with the bills. No. >> No. No, not with the You can still pay. the bills from the joint checking. account. Do you not trust her to be. joint? >> No, I don't trust her with the money at. all. >> Why? Why? >> Well, because when she was married to. me, she actually was in debt and I was.

actually free and clear. >> Well, she's married to me. >> Roll that back. >> No, I don't trust her with the money at. all. >> Why? Why? >> Well, because when she was married to. me, she actually was in debt. >> Okay, you just said when she was married. to me. when she is married to me. Technically, I'm trying to. >> When she is married to me. Is she not. right now? But she's gonna be soon. I'm. so confused. >> She's married to me. >> Why do you have to qualify with that? I'm so confused. What are you trying to. say? >> I'm not trusting her with the bills. >> Why is my. >> Because I have control issues with that.

I used to be debtree. She wasn't. And. now it's flipped. >> Yeah. When were you debtree? >> Actually in college. >> Okay, dude. I'm big guy. Oh, hold on. You're 27. Okay. I was thinking 35. Gotcha. >> It'll get better. >> Well, what? >> As time goes on. >> How? It gets worse for many when you're. on this path. >> I mean, once you get in your 30s, don't. they say everything gets better? >> Colton and Lindsay, do they? >> I just turned 30. I don't know.

>> We don't know. We just turned 30. >> Unconcluded, right? >> Yes. My life is complicated. No, it's. you're being a dumbass and you're not. willing to be a partner with your wife. >> Fix it. >> No, but you're not willing to partner. with with your wife. There's no time to. fix it if you're not willing to do. something. It's it's that's done. >> But when she gets her paycheck, I just. take it and I pay the bills. And when my. paycheck comes in, I pay it all. So, >> you take it? >> Yeah. I pay off her truck and all her.

bills. She doesn't have many bills. I say bills. meaning too. >> 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? 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 dollar.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. Dollarwise.com. Let's go. >> She has two cards in a truck. >> Does she have money? >> Yeah. >> You take her money? No. You said you. take it. >> Yeah. I give her about 30% of it. >> You tax 70. >> Mhm. Pay all the bills. >> What the Are you guys traditional? >> Yeah. >> She's okay with this. >> Yeah. That's just how we agreed upon her on.

the post show. I need to call her on the. post show. This is insane. That is that. feels so controlling and weird. >> Some would say it's controlling, but. some. >> I just did. >> Well, me I think it's come kind of. normal and how I do it. I'm a control freak. I can't say. anything. >> If you saying if you're defining. yourself and you have to use the word. freak, I don't think that's considered. normal. >> To me, it's normal in my mind. >> You to the Yes, it is. >> I pay all the bills. they get paid and.

if it goes negative, it goes negative. You got to live somehow. You don't want. to be late on your bills. So if it goes. in your account and it gets negative, well, money comes in, it comes in and. helps. >> Dude, to the drug addict, it's normal to. sleep on the street. That doesn't mean. it's good and normal. >> Okay. No reflection apparently. Gotcha. >> Nope. I thought you were blaming her for her. timu. Well, on her 30% when you take 70.

>> That's we could have more money to pay. off more bills. >> You mean more money that you take. >> to pay off more of bills? >> Bills that you got into. >> Yeah. But it's a joint effort when you eat. Door Dash at night. It's not just for. me. >> So, that's the joint effort. When it. comes to the m the the uh the spending. on the things you want, it's a joint. effort. When it comes to taking care of. responsibility and paying bills, it's. control freak. Yes. Okay.

Affirm. Affirms $100. $100. Apple cash. that on $120. Amazon. Amazon 216 there. Then 52. McDonald's 24. Amazon 85. What the Zelan. 150. Subway. Kindle. Perkins restaurant. 50 bucks. Lean Chin. out 300. Huh? >> Love me some chicken from there. >> Yeah. You're really on a diet. ATM. withdraw $100 going in and getting some. What do you stop it in at the.

gas store? Gas. >> It's normally just gas. >> No, that's You are not getting $4.73 of. gas. >> My Camry does. It's only an 8 gallon. tank, so sometimes when I top it off, it. is only $4. >> You're not stopping in and getting some. bevs. >> No. Maybe a candy bar, but that's about it. >> The candy, >> but a lot of times it is just gas for. about five, six bucks. On the bigger. side, it's probably her truck. creature. Holiday Panera Bread McDonald's Taco. Bell ATM withdraw $1,500. Where'd that.

go? >> Up and vanish for bills. >> ATM withdrawal. >> Well, that's kind of Apple cash going. into my checkbook. >> That wasn't Apple Cash. I see Apple Cash and I comment on Apple. Cash. >> ATM withdrawal. >> ATM withdrawal. >> H. I don't remember about that one. >> Famous footwear $135. Um, that one actually might be gas after. that for$,520. Chick-fil-A. Perkins. restaurant again. Applebee's. You're a neighborhood guy, aren't you?

>> Heck yeah. I love your food. >> We've established that. Zelon Out 10, Door Dashing, Taco Bell, McDonald's, Rosemount, Car. >> Probably a car wash. >> Car wash. You You're in Minnesota and. it's in It's not winter yet. If it's. winter with the ice, I will consider it. Huh? >> It gets dirty. >> Oh, off, dude. It is. It is. It's. Minneapolis. >> The roads are still disgusting. >> Shut up. You don't need a car wash yet. Dump a bucket of water on your car. Call. it good. G. Culver's Taco Bell. Zelina.

$350. Panera Bread, Burger King, McDonald's, Chick-fil-A. This is insane. Arby's. Orland Subway ATM withdraw $126. Cooper. Whiskey. In-N-Out. You have In-N-Out. there. It made it there. No, I went for. a bowling tournament in Vegas. >> I had to try In-N-Out. >> Very disappointing, right? >> I mean, I should be, but I'm not.

>> No, In-N-Out. Very disappointing, right? >> I mean, I like it. It's not that good. >> Oh, well, >> that's what I mean to say. >> Those were very conflicting pieces of. information. I I I love when I very much enjoy things. and say it's not that good. >> It tastes good at first and then it's. kind of just like McDonald's. It's. blleh. Don't sit on McDonald's like that. >> Honestly, McDonald's is not that good. >> You are a fake fat. >> Rather have Chick-fil-A.

>> Chick-fil-A is great, too. Let's not. pretend you're doing it for chloric. reasons. In-N-Out. In and Out. The. Orleans again. Mickey Fence Fish. Zelen. Out 10. Cooper Whiskey. Car wash again. Or Subway. Copper Whiskey. In-N-Out. Cine mark for someone that In and Out's. not that good. You have been a few times. all in one month going into the movie. theater. You stop. You were not getting. $3.51 cents in gas from Circle K. I do. not believe that. That is a candy bar.

You're stopping in and getting a $351 in. a candy bar. The candy bar are you. getting for $351? That's an insane candy. bar size three musketeer. You can't go. wrong. >> $3.51. >> Yeah, that's how much they cost. >> That's insane. Buy a bulk, dude. I can. walk into Hub right now, our grocery. store down here, and get a $5 pack of. candy and have unlimited mini Milky. Ways, but it is so much more than a. king-size. Why do you refuse to buy in. bulk? >> Cuz it costs more. It's cheaper to buy. just a singular.

>> I'm going to die. I'm going to die. I'm. going to die. This is insane, dude. Everyone on this show stops in, gets. their and they get it in such. an expensive way. I mean, that's what. Look, that's what you have right now. That's what you have right now. You have. the Gamer Subs energy drink. That's why. we started stockpiling this at the store. here cuz you bulk buy it. It's so much. cheaper. It's so much cheaper and it's. also delicious. I'll be I will honestly. say that it's cheaper. That's why we. want everyone in the audience to start.

stocking up on that gamer subs by the. way link in the description because that. is so much more affordable than you. stopping in and getting a candy bar, stopping in and getting a oneoff Red. Bull. What are you getting a Coca-Cola. Pepsi on product? You going into getting. that and it cost like $3 a tent. I don't. get it. Bulk buy. >> You don't have the money to go and buy. bulk right off the bat. You buy the. small stuff. >> You spend I have the money that you. have. Uh. >> I just like buying the smaller stuff.

Why would I want a whole bag? Cuz then I'd be tempted to eat the whole. bag itself. >> I'm going to die. I'm going to die. You. are just an animal. An absolute. creature. An absolute creature. a. creature. Look at that. Look at that. Their whole pack. The whole pack. Everyone on the show, it's always like a. $5 energy drink. Their entire thing that. is 100 cups. 100 cups. Their tub that is. 100 cups is $40. $40.

That's why we decided to partner with. them cuz you 100 cups of $40. What is. that? A serving? It's 40 cents instead of people like you. who just stop in and get like a $5 thing. or a $4 candy bar. It's. >> bulk. Buy bulk. Buy bulk. Yes, you can. I just. >> You don't have $40 up front. >> That's for the energy drink thing for. all the energy drink freaks. You You can. walk in and get a $5 to$7 thing from the. grocery store, Walmart, a big bag. We're.

approaching Halloween. You know that's. cheap. >> Not where I live. It's 25 bucks for a 60. piece candy bag. Target, >> dude. I have it right here. 225 pieces. Target $10. And I know you have Target. there. Shut up. Shut up. Shut up. Hers ass assorted pack from. Target. $8.29. you. It's there. It's literally. right here. I will show you. I will show. you. I will show everyone.

Here it is. Here it the is. Zoom in on that. There. it is. You see it? You $8.29. I don't. want to hear it. >> I don't want to hear it. >> But again, then it's a whole big bag. that you don't want to keep. It's just. one bar. >> But you stop and get the one bar. >> To me, it's cheaper just to buy one bar. You're done. >> To me, it's cheaper. How can we two me. numbers? You can't to me a number. You. to me.

>> You don't just to me that. >> But it's easier. >> Is it? You would already have it in your. car. You just described how you door. dash on the way here. >> You just described to me how you door. dash to your car because you don't want. to get out and get something. But that's. what you're doing when you're stopping. and getting an individual candy bar. >> Yeah, it's hard. >> Honestly, with. >> crispy cream. >> Oh, I had to get some crispy cream while. I was in Vegas. >> I had to get some crispy cream.

>> They don't have it in Minnesota anymore. >> What? They moved out of Minnesota and. the only time you can get it is if you. come down the southernness. >> What? Yeah. Isn't it still in Michigan? What the. >> Why would I drive to Michigan when I'm. already doing? >> I'm just saying they're everywhere. I'm. surprised they're not in Minnesota. >> No, they moved out about four or five. years ago. >> I guess looking at you, I would trust. you in your statement. >> Well, I would have plenty of donuts. >> I am fact-checking though. I mean, Minnesota, other than Minneapolis, I. don't know what there's nothing else. there. So, it's like. >> they are planning on to move back. I. know that.

>> Well, you're you're following the news, huh? Oh yeah, >> there's a temporarily closed location in. Minneapolis. >> They used to have one in Maple Grove. They'd have one up in the. >> over everywhere else. Sounds like your. problem. >> Okay, this is insane. Candy bar, McDonald's, Dairy Queen, golf, fat dogs. for $71. Hot dogs for $71 when I was down there. >> You don't have money. >> But they Venmo me back. Does he not look. like the whale? >> Was just trying to save us from his own.

sad story. >> Clay, I'm just seeing it. You're. straight. But he had a kid, too. Candy bar. Amazon. Amazon. ATM would. draw $20. Zelling out $200. Zilling out. 30. Zilling out a,000. Zilling out $83. Amazon $37.99. Holiday stations. Panera Bread. Car. wash. Again, three car washes in one. month. You zel, >> dude. In three in one month.

>> It's a new car. It gets dirty. You go. >> I have I'm going to jerk myself off. You. ready? Open up. Okay. I have a much. nicer car than you. And I get It's like. once every month, once every two months. >> Hopefully, it doesn't rust. >> It It won't. And it's not winter yet. Rust. Ph. Do you not know what causes? >> Oh, it's salt. Trust me. >> You're not in that season. In fact, this. was July. Zelling out sweet needs. Amazon. Applebees.

Oh. Oh, this is why they put the. checking account up front so that they. could kill me. Your bank might not be. your friend. I see so many people on. financial audit get stuck in vicious. cycles of paying off late fees, overdraft fees, and interest from their. own bank. Which is why I'm excited about. Current. Current isn't a bank. It's. better. With Current, your money. actually works for you. Qualified. members can get up to $750 with Paycheck. Advance. Fee overdraft covers when you. accidentally go a little over and you.

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Amazon, Bearbread, Target, IHOP. $43 a. IHOP. Doory Taco Bell. If that was. cheaper, then you're going into IHOP. somehow. Target. We already know. You go. there, get your candy bars. Cheaper. Target. He went and got a candy bar, I. think, at the checkout line. Oh, Aztec. Mexican Restaurant. I guess that's the. most ethnic we can get up in. Minneapolis. Um, >> they do have some good burritos. Pretty good burritos.

>> Uh-huh. Uhhuh. Candy bar. Was that candy bar? McDonald's sweet needs. This is one. month, ladies and gentlemen. This is one. document. One month, one document, one month. >> I'm no whale for no reason. >> Huh? >> I'm not the whale for no reason. I like. eating. Like I said many times, >> your cope is so hard. Your cope is so. hard. Unfortunately, that cope was. probably not going to let you see 40. years old.

>> Candy bar. Candy bar. I wouldn't be. laughing at that. That's very real. Candy bar. PayPal and out. Holiday. Door. Dashing. Double D. You got Premium, Perion, Savage, Alper, Alporean, >> another Mexican giant. >> Bullsh. McDonald's, Kendall, Candy Bar. Oh, we've we've approached that. >> Wasn't that bad, was it? >> Editors, put in just a glowing halo of.

beauty and amazing angelic noises cuz I. am celebrating. I am celebrating. Oh, I'm so happy we're done with that. document. That brought us to 50 minutes. That is insane. >> My life's complicated. What can I say? >> Your life's not complicated. You're a. degenerate. $102 overdraft fees this year so far, which is now probably 150 after where we. are this month.

This poor wife. >> cheats out with me. That's why they're. so. >> The guy is forcing her to give 70% of. her income and then he the house. this. poor wife. No offense, and I'm sorry to do this to. you cuz you're on the show and you're a. part of the audience. I love you for. that. You're the villain. >> I don't think about it that way. >> You are the villain. You take all of her. money. You have kids and yet this is how. the finances end up. You're the villain, >> but the bills get paid. Even if it's. >> overdrafting. I don't know. I don't.

know. We're going to find out. Paying. bill. Overdrafting. You I don't know. We'll We'll see. We'll see if they get. paid. Honestly, every time I hear that, there's usually late fees. And seeing. that we already are opening with. hundreds of dollars in overdraft fees, >> rarely been late on bills. >> I wouldn't trust you for anything. >> Rarely been late. >> Rarely is still you are, by the way. >> The only time I can think of one is once. >> and I know that for a fact. I know I'm. >> fact. >> Yeah. >> The only time I can remember and that's. a fact. >> It's been.

>> You contradict everything with your. language. >> That's my personality. Or does has Tim. Waltz cut all education funding in. Minnesota? >> I don't know. I don't do politics with. them. >> That's not politics. I'm just asking if. everyone's there. >> maybe. >> Like I'm concerned for the schools based. on this conversation. >> I just happen to know the governor. because he ran for vice president. That's not. >> Hey, I graduated so that's something. Went to college. >> That's why I'm questioning. That is. again why I am questioning. You're not. making that better.

Not making it better, but at least I'm. living my own life. >> for the next decade if you're lucky. >> Yeah, maybe more. >> Maybe is such a boost of confidence. >> Uh, okay. A firm, I think. First debt. What's going on with this? >> Um, that is a firm. If that's Home. Depot, that's either a washing machine. >> Oh, I do see Home Depot. $3,78022.

Nope. That's the riding lawn mower that. I bought. >> Yeah, we would hate to get any steps in. >> But mowing an acre of lawn is actually. pretty hard. I don't care how fat or. skinny you are. It's actually a lot with. a single push mower. >> Yeah, it uh an acre, sure, fair enough. But for also what it's worth, one, you. cannot afford it. Two, you could have. subsidized for a long time having um a.

Mow the lawn for very cheap. >> Cheap what? >> Numbers, dollars. >> I'm confused. What? >> Remember the burrito restaurant you went. to? >> Oh, yeah. Yeah. I'm confused. What? >> Someone would mow your lawn for cheap. >> Oh, yeah. No, up there it's $120. I had. a quote. >> from one company. >> Multiples. They all give you $120 on the. side. >> It's within the range of 100 to 120 to.

mow that. >> Good. Mow once a month. How long can. that last us? And that's seven months. >> You have to do it every other week cuz. there is ordinances in our city that you. can't be more than 2 in long on your. lawn. >> Okay. Times seven. Uh, so that could get you. about uh oh uh 2 and 1/2 years based on. when grass is actually growing in. Minnesota. That would be 2 and 1/2 years. instead of yourself. >> Not as easy as affirming a mower. >> Actually, no, it is because they just.

show up and do it. >> Yeah, but I'm kind of anal about stuff. like that. I have to mow it my way. >> Wait, no. Colton's telling me the lawn. mower is a flip. What does that mean? >> Yep. I was getting I had to flip it. because we had no money. So, I took that. and sold it on Facebook Marketplace. It. was newer so I took that as a. >> You don't even have it anymore. >> No. >> Why the talk about it for 5 minutes? >> I had to flip it for some quick. >> You are bad at conversation. >> Yeah, some can say that.

>> What happened? And what are the numbers? >> Um I think in total on that loan it's. 2,700 for the mower and then after fees. and taxes it was like 36. >> I have the number I'm talking about. You. just told me you sold it. Dude, you're. so bad at telling. Well, that's. literally what I sold it for was 36. >> You sold it for 36. Why is this balance. still here? >> Because I took the money and put it in. my account to use it as a loan. >> to get me by. >> I took the cash from selling it on. Facebook and took that money and used it. for everyday bills and whatever I had to.

use. >> For how long? You spent 10 $11,000. >> It was about a month's worth. >> Wasn't proud of it. Didn't want to get. rid of Cuz honestly, I don't like. mowing, but that's what I had to do. >> Uh, yes. How's the lawn bean mode right. now? >> Uh, single push mower. >> So, you could have done it. >> It only takes two days to mow it. >> But you do it. >> Yeah, but it also cost gas. >> So, you could have done it cuz you're. literally doing it right now.

>> Could have. >> So, this was a debt that did not need to. exist for any reason whatsoever. And now. it exists for nothing to show for it. >> It didn't need to happen, but it's. honestly a lot better doing it that way. It's quicker. You don't have it. >> I don't have it. No, I don't. >> What made you sell it? >> Cuz we needed the money. >> Oh, >> you do stupid things when you're in need. of money. >> Oh, shut up. Shut up. You spent You How. much was the mower.

>> in total? 36. >> No, the mower before all the fees and. >> It's like 2,700. >> 27. You spent $2,000 minimum minimum. minimum minimum minimum minimum minimum. on That's a minimum. And I. haven't gone through your Amazon yet. 2,000 a minimum. Q. Q. You. could have cash Well, not cash flow cuz. you're going into debt for that. anyway. But 2 months of your. and you would have paid for this whole. thing. Q. Well, that's some that's that's cope to. the extreme. That is cope to the. extreme. >> Desperate time. There's more Home Depot.

>> That's the washing machine. >> Hold the on. Okay. One second. >> Okay. So, I'll call this lawn mower. then. The first one. Lawn mower. You owe. $3,78022. No asset to show for it, of course. With. a minimum payment, it looks like $16442. Is what's the interest rate? >> Uh, between 30 and 31. Typical affirm loan. >> A firm, by the way, is typical 35. So, >> Oh, it's not bad. >> No, it's probably 35. >> Last time I looked, it was 31.

I could be wrong like everything else. Oh, you're. Oh, you're okay. I see another Home. Depot firm. This is for $650 with a. minimum monthly payment of 5424. Also, probably at a 35% interest rate for. what? >> That was a washing machine. I had to. basically buy a new one for my landlord. cuz he claimed that we broke his. >> And did he force you to? >> More or less forced us to get. >> No, no, no. Right then. You had to get.

it right then. You couldn't get it when. you moved out? >> No, we didn't move out. We were still in. that same house. >> I know. Oh my dude, he is Oh my gosh. Colton saved me. I'm saying he was forcing you to buy it. right then, right there, or you couldn't. have bought it when you were moving out. >> No, he right there. >> Okay. >> Which I honestly don't even believe. I. don't even know if you communicated or. even understood what was happening. But. what the are we doing?

>> We're all. >> Oh, you're late on two payments. I thought you just told me you weren't. ever and you're paying your bills. That's what you were bragging about. No, you're behind. No, Colton's telling me. you're late on two payments. >> Oh, yeah. That's on a different one on. here. >> You were you you were bragging. >> on my checking? Yes. Not a firm. >> That's different. >> Qualify that. You. >> You can't go negative on a firm. It's. just loans.

>> Yes, I'm complicated. >> You're not complicated. Stop saying. that. You are a. >> I don't think I'm a obviously. But you know. >> Great. You got a washing machine. Did he. dictate which one to get? >> No, I just bought him the cheapest front. loader, similar to what he had.

If. >> you want to think about it this way, I. actually made $300 on that cuz at the. time it was on sale. So, it was a good. deal. >> I think that's money in your pocket when. you say made. Then you didn't make 300. >> It's still a good deal. >> I'm going to die. This is insane. What. the What the is this episode? What the. is this? Okay. Okay. How about this? We. got Home Depot. We're back for the third. time. $882.71. out on this one. Probably a 35% interest.

rate. Minimum monthly payment $6812. What is this for. >> that? I can't remember. There's a couple of them that you just. kind of forget. You just make the. payment. >> You're not even You're not even a. quarter of the way paying through it and. you don't know what this was. It's not a. quarter of the way done. It's not even a. quarter of the way done. You've. can't remember what that was. >> No, no, no, no, no. You went to Home. Depot and you spent.

>> uh $1,100. What did you get? Come on. Come on. Come on. >> Can't remember. >> Come on. This is four months ago. Four. months ago. Four months ago, you walked. into Home Depot and spent $1,100 to. $1,200 and you can't tell me what it. was. >> Can't remember. >> Okay. Colton thinks based on the. conversation that it's for paint and a. couch. >> Yep. If that's what I'm assuming it is. I tend to forget things really quick.

>> We moved into this house in the rental. We had to get things. >> You had to get paint and Facebook. marketplace accounts. You t. >> Why would I want someone else's beat up? >> Cuz the rich people just get rid of it. for free. >> Well, there's no one rich up in. Minnesota. >> Yeah. Oh, you There's rich people. everywhere. Minneapolis is a major. metropolitan area. Well, there's rich. people in Minnetonka, but. >> there are rich people in Minneapolis. You absolute. >> huh?

>> Still don't want someone else's used. couch. You don't know what they did on. it. >> Oh, you get it nice and cleaned and then. you on it and claim it as yourself. >> Why would I want to on the couch? That's. kind of gross. >> On a couch. >> What's wrong with you? Anywhere. >> Yeah, but not on a dirty couch that I. don't know who had it before me. >> Clean it, you beast. >> With what? A cleaner? >> Yes, a cleaning. >> One of those steam cleaners. No, that. doesn't do much. >> Oh, well, you're gonna. >> You don't know. They could have. cockroaches. You don't know that. >> You would see that. You would see that.

You would see that. >> A lot of times they don't come out. They're like bed bugs. They hide until. you find them. >> Oh my. He sucks. Painting. Okay. You did. not need paint. Can we at least. >> Oh, we did acknledge. >> It was a green room. It was lime green. >> Good. And you accept it. You accept it. because that doesn't matter in your. actual life. This was a want, >> but it has to be tan like the rest of. the house.

Okay, here's Amazon. This is Amazon. You. owe $85.89. You've paid $1,70 so far. What did you. get? What did you get for about $3,000? That was living room stuff before we. moved into this house. That was like a. book, >> Kenya at all. >> No, it has to be nice. >> You don't live that life. >> When did you move in? >> Uh, we moved in just under a year ago. >> Okay. Okay. You weren't making dick. You.

don't live this kind of life. The. minimum payments $34.91. No. Uh, hold on. I actually don't know. Uh, I'm gonna just assume it is. Pull up. your Amazon and your phone and start a. screen recording for me. Ladies and gentlemen, can I just be. honest? This show blows my mind. I film four of these a week and I the. first 5 minutes or so I'm like, "Okay, oh, this is, you know, we're just I'm.

talking to a person." By the time I'm 30. minutes in, this show never fails to. blow my mind. How did we How How are we. here right now? How are we making this? How are we making this show together? All of us in this room right now, how. are you here? How have you made it to. this far in life? Especially with that. figure, this is crazy. This is insane. This blows my mind. This blows my mind. They let you on a plane. Give me this.

Okay. Asking recording is happening. Oh, he has the new glass update. Not a big. fan, I'll be honest. As an Apple S. Not. a big fan. Oh, that's volume. Why don't. you have your screen brightness? Oh, you. have it in weird. Okay. Okay. We got. four princesses, four unicorns, dog, furniture and accessories, dollhouse, green bay. You. >> Oh, that's my wife, not me. >> Okay. >> I don't watch football. >> I'm glad your wife's okay. You are the. of the family. You're the. >> watch football. I don't like. >> You're the beta. She's the man. Gotcha. You got glitter hairbrush. Definitely. didn't have brushes.

>> Uh Bobcats. >> Don't know what that one is. That's. another one. >> Montana State. >> That's another wife one. >> Okay. Again, the mask one. Yeah, you. control the money. I think I trust her. and I feel like I can't wait to talk to. her in the post show. More football, more sports hats. Love the brain book. Love theoretically. This relationship's. not going well. Book Green Bay Packers. bow tie. We got pens. That's fine. Threeear monthly planner. Great.

Critical for life. Return completed. Someone's in your driveway. I'm putting. your phone on. Do not disturb. >> It's probably another squirrel. >> Except I also don't see that. Is this. the update or is your button layout just. horrible? >> No, that's the new update. >> Where's the do not disturb ring? Someone's in your driveway. I'm I'm. thrilled. I would like to. Where's do not disturb? Where is it? Where is it possibly? >> It's all the controls I need is right. there. >> Except for do not disturb, of which was. a requirement when you walked into this.

room. Okay. What are these trash bags? That's fant. No, wait. This is not all your orders. I. saw so many purchases. Your orders since. when? >> Probably recently. >> Three days. 30 days. Okay, that one's return first day of. school shirt. Off sleeper book thing. Oh, that is. >> wife likes to have a little fun with. that one.

>> Yeah, it's 8.7 in long. Hm. Realistic. dildo with strong suction cup. Double. layer silicone. >> See, I'm not all that bad. >> Are you sure? Because again, this is. >> You're not that bad. This is to. compensate. >> No, both at one time. >> Truck, if you want details, that's both at one. time.

Hey, you got to spice up the marriage. somehow. >> Truck bed thing. Baby things. Lots of baby things, right? Lots of books. Okay, >> I see she went for. um. the very tanned and cut flavor. and she was. >> Well, I mean, she probably doesn't want. >> Sorry, she selected red instead of.

She's not into those people. I'm sorry. >> She's Danish. What can I say? >> What? What? >> She's Danish. She likes white people. She's not racist, but she likes white. people. >> She's not racist, but she hates the. blacks. Didn't say she hated blacks. >> She doesn't hate black people like that. >> Like that. in bed. It's a dildo. She.

likes it in bed with white people. Yes, I know. Trying to make sense of it. It's hard. What can I say? >> You probably shouldn't have said that. >> Okay, this Amazon's basically brand new, I think. But what's this Amazon for? It. looks like it was a purchase of $320. just recently. >> That was recent. That was probably.

>> the dildo. >> H probably. >> Okay, we're calling this one the dildo. >> Paid a little extra to make sure it's. the right race. $242.30. Minimum monthly payment $80.76. Nope. $1346. >> It's one of the cheaper ones. Oh. Okay. Amazon. Halfway done paying this. Looks like you purchased 250 bucks. Um,

five months ago. What was that? >> Amazon. >> Yeah. >> Um, probably just more basic stuff. >> Okay. I'll just call this. >> It's a lot of just everyday things that. the wife wants. >> Everyday dildos. $2648. minimum payment. Balance $144.73. How old's the wife? >> Uh, 24.

It's pretty good looking, too. >> Sure. >> Matter of fact, it's right on my screen. >> Let's see it. Do we have. Do we have consent to show her face? >> Um, >> not the kids. Her face. >> Not right now. As she's currently a. teacher. >> Okay. >> And I don't want to put her out like. that. >> No, but I see it. That's okay. >> Yeah. Oh, no. We won't put it in there. That's fine. All right. Listen here, financial audit. I've curated the exact. resources and tools I personally use or.

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you just did this about a month ago. Yep. That was the flight to Vegas. >> To Vegas, $66. Again, these are all at. 35% by the way. Usually 35.99% is what a. firm is at. Um, you are fueling their. entire stock price. $55.25. is the minimum payment. I don't even. know what to say. $66 month loan. >> What are we doing? No, it is not. It is. 11. It's 11. >> 11? No. >> Yes, it's 11. You. >> Yes, there's. >> You're just not a debt person. I'll set.

you up with the Fizz card. debit card. that builds credit. Okay, I'll set you. up with that so you can't spend what's. not in your checking account, which was. a problem for you if you ever want to. get a higher paying job. A lot of people. in our audience have used Course Career, so I'll set you up with one of those for. free as well. It's good certification. program. Um, and I'll also get you on. the Weeble app, okay? That way you well, when you're ready to invest, you can. throw money there and get boosted APY. for money that's just uninvested. It's a. good savings place. I'll get you set up. with all that for free, plus all of our.

educational programs. Oh, sick. You're. just not a debt person, man. Okay. But you also just did a Price Line. thing a month ago. >> Yep. She went to Texas. >> to visit her dad's while I was in Vegas. >> cuz the grandparents took. >> uncontrolled. $25769. left. You guys are uncontrolled. And also. uh $2343 a month again. We're at like.

35% interest. This is forever. Expedia. Is this the hotel? >> Yep. For her. >> I'm going to die, man. Okay, we're at. $15641. Is there anything you do not affirm? Actually, the question the answer is. yes, because your checking account was. also madness. This is insane. You affirm. everything, yet you also blow all your. money. Everything's easier. Why? That. doesn't mean. >> it breaks it down in payments. >> It's easier to control it month-to-month. basis when you haven't. >> But look what happens when your payments.

hit and now you're negative $550 right. now. That's because you've stretched. your life where you put everything on. minimum payments and now they've all. stacked so high. You can't afford. minimum monthly payments to save your. life. >> Makes it easier. That's all I can say. >> Except now you can't make your payments. >> when you go unemployed. That's how it. happens. When I was unemployed. Yes, >> we're not. And this was last month. Another price line flight. Another. flight to where? >> To the Vegas. >> What? I just had that with Delta.

>> Yeah, the flight home. It was oneway. tickets. >> You got them one way. You. >> round trip actually was more. >> You are a. dude. You I don't know. $167.98. Are you embarrassed? >> Yeah. >> Good. >> No. Actually, having someone tell me. about all this debt. Yes. Well, this is. Menards. Now, that's Midwestern to its. core. This is the worst Home Depot. >> Yeah, it's. >> it's where my parents met. >> Really?

>> Ain't that cute? >> Hey, I mean little flannel. Why not? >> Saving money. >> Yeah, that jingle gets old. >> What the did you get? >> Uh, some probably some basic stuff for. the house. >> You don't even know. This is just a. couple months ago. 360 bucks. >> Okay, I'll call this. >> Furnace filter is probably about 40. bucks a pop right there. It's a newer. furnace that he put in. >> You had to pay for the furnace. >> Yeah. >> Why is this a rental? >> Because when we moved in, he told us. that certain things are on us. And then. when we move,

>> did you sign the contract that. stipulated that? >> We didn't really look it through that. contract. >> If you did, then that might be right. But I would also talk to maybe a lawyer. And also, Colton's telling me it's for a. grill. >> Yep. >> I have hard memory trying to remember a. lot of things of what I buy. I mean, honestly, there's a stack of paper. It's. hard to keep track. It's almost like a bank account when you. use a firm. You kind of forget about. what you buy. You have it. You forget. the loans there, and then it just tells. you you need to pay it. >> Minimum monthly payment $3022.

Balance $32.24. for a grill. A critical necessity for. life that your family would not. >> You can't get $120 grill. You have to. get a nicer one. That's not. >> You can also just not get a grill, you. creature. What? You going to grill? >> Ridge wallet. I like Ridge Wallet. Yeah, they're pretty cool. >> They were a sponsor once, but I still. support them even though they didn't. come back. They're good. You just can't. afford it. >> I had to get a new one cuz they didn't. want a lifetime warranty. Mine. >> But you can get a little Amazon wallet.

Cheap. >> Why? When a ridge wallet's better. >> Because you can't afford it would be the. answer to why be Why? Because you can't. afford it. >> It's nicer that everything's protected. >> But it's protected. It's RFID. If I get a basic leather one, well, I've. had my stuff stolen multiple times. >> Stop leaving it places. >> No, it's not leaving it. People taking. the numbers or something. >> $115.15. Minimum payment $104. But I just This is insane. You just get. everything you cannot afford. >> Seeing that now. Yes.

>> Yeah. Seeing that now somehow. >> It's easy. It's a one-click button. You're approved. You're good. You just. don't think about the payments in the. moment. >> Alina Health. This was the thing you. blamed all of your on at the. beginning. And this is one of the. smaller balances on all the affirms out. of the 1 2 3 4 5 6 7 8 9 10 11 12 we've. been through so far. And this is what. you set the conversation up with to. begin with. You. >> I put my medical bills on there cuz when. I had the money I was paying for them. So that bill was like 1300 to start. And.

then at the time when I couldn't pay it, I just put it on there cuz you can use. it as. >> your medical bills or your daughter's. >> All of ours. That's all the one count. $361.81. What happened to you? >> Uh, basically tripped and fell and. sprained my ankle. >> Stop. $36.24 is your minimum monthly. payments. Balance is $361.81. Also, probably at a 35% interest, which. doesn't make sense. Do the payment plan. at the hospital. It's 0% interest. >> You have to have credit for them. >> Oh, for. >> seriously, they run your credit and they. tell you. >> this one just says affirm virtual card.

So, you're just out there swiping. Okay. So, this one's just straight up. affirm virtual card. That's the online. one that's named that. That's another. medical bill. >> Oh, okay. We'll call this medical then. >> That was one of the ones that they would. not do with me in payment plan. >> $24.88. Minimum monthly payment $178. Crazy. Okay, we're done with the firm. Thank. But even worse, Credit One, the enemy of.

all credit cards. They showed up in the mail one day and. you're like, "Yes, please. Let me. destroy my life. >> The first one, no, I signed up for the. first one myself. >> Second one showed up. >> Second one showed up. They had a really. good APR, 0% for the first 5 months. >> Five months? >> For 5 months. >> Oh, >> it was an odd term, but I took it cuz I. wanted to use it as just a gas card. >> Oh, good. You're over maxed out. I pay. my bills, guys. >> 552. Interest $14.72. Fees $8.25. The minimum.

monthly payment $34. He purchased on the horrible horrible. evil credit one card $8.25. What did he. purchase on? Two McDonald's on that. horrible card. >> just in that month. Yes. >> That's so stupid. It pushed you above. the limit. You're losing endless. interest and fees on a monthly basis. here. >> What can I say? You have to. >> You can say don't do this and close it. Close the card. >> Yeah, but does it hurt your credit? >> I don't give a credit's nothing. Who.

gives a. >> 5610 last time I looked? >> Yeah, that's not good. Close it. >> I thought it was better than normal. >> 720 is normal is what I'm taking it as. >> Huh? >> 720 credit score. Isn't that normal? >> Is normal and you said you're 610. >> 610 is better than 300. >> You just said you're better than normal. and then you said normal is 7. >> I'm normal. 600. >> Editor, roll it back. >> I don't give a credit's nothing. Who. gives a. >> 5610 last time I looked?

>> Yeah, that's not good. Close it. >> I thought it was better than normal. >> 720 is normal. >> What the are you? >> Can't say. I don't know. >> I know. I know. Answering questions very. difficult. >> Oh, we're at a 28.24% interest rate. >> It's better than a firm. >> Quicksilver. What's going on with this. card? I don't expect it. >> The big one or the small one? I don't. know which one's which. >> Um, so, >> okay, how about this? This one's at 3,

$24,5.73. Minimum monthly payment $116. What's. going on with it? >> That one was supposed to be my everyday. card. That was my first card. >> Would you have an everyday card? You. can't manage cards that save your life. Who are you to have an everyday card? >> Cuz I claimed bankruptcy about 4 years. ago. >> No, you did not. >> I did. >> No, you did not. >> And they offered me that right after. bankruptcy. So I use that ladies and. gentlemen. This is why we do not debt. consolidate, bankruptcy, credit card.

transfer, pull from 401k to take care of. our debt situation until we fix our. behavior and show that we can at least. maintain a solid budget without around. for 3 months cuz then we end up right. back here again. This is another. instance of it popping up as usual every. time it happens. I'm going to die. This. takes 17 years to pay off if you do. minimum payments only without any. purchases. But guess what? Oh, you. purchase. You purchase 13 $193.97. to be exact. And guess what? Open this. right after bankruptcy. Oh, we're over.

the limit by $125.73. Kill me now. >> Why? >> You got to live. >> You got to live. >> Yeah. >> You won't be much with McDonald's, candy. bars, Apple bill, >> uh, hotel and casinos. Oh, >> go off. Rosemount car spot. There's. There's a fourth. There's a fourth one. A fourth one this month. You car wash. So stupid. So stupid. Apple bill. Apple. bill. off. Pull up your phone. again. Start a screen recording. I'm.

going to die. I'm going to die. No, not this. I don't give a about. that, dude. You get notifications every 5. seconds. Bill Tracker Pro. $20 a month. >> a year. >> Oh, that's okay. That's pretty good. Listen, but that's not as good as a good. budgeting app like dollar-wise. >> Whatever.

Sticker Go, Paramount Plus, off Apple TV. Plus, off iCloud Plus. I mean, that's. the one I can I can one I can allow. It's just insane, man. It's just insane. Just don't know why you allow this. Just don't know why you even allow this. to to yourself. Almost $400 in interest lost this year. so far. We're back to credit one, ladies. and gentlemen. We made it. It's the. second out of the third card. Oh my. gosh, there's still so much more to go.

$680. At least once only maxed out and. not over maxed out. $680.93. minimum monthly payment $35. Yeah. $60 of fees, $60 of interest. Taco. Bell. All that for Taco Bell, huh? At a. almost 30% interest rate. >> It's been maxed stuff for two months. >> Shocker. All for Taco Bell. Another credit one. Good. I'm going to.

have to use We should charge them when I. have to use this second piece of paper. in my notebook. This one's also maxed out. $798.54. Oh, minimum monthly payment $40. No. purchases. Well, we're maxed out. Interest and fees, of course. 105 in. interest, 95 in fees, 30% interest. This. is insane. This is just insane. Mission. lane. Haven't seen this in a second.

What's going on with this? >> That was going to be my gas card. >> Lots of cards for a lot of things that. we all just max out and use on. Oh, balance $5868689. Why did it not turn out to be the gas. card? Cuz I see you purchasing gas on. other cards. >> It was just an everyday card and then. you didn't have a job so you have to put. things on there. >> Why'd you have to go bankruptcy four. years ago? >> College loan. They wouldn't let me take. it off so I had to do something with all. my credit cards.

>> Dude, $159. of purchases and then $15.98 of. interest. Three years to pay off. I'm. going to die. Oh, it's Yeah, maxed out. It's all for Wendy's and Gas. Wendy's. and Gas. Basically 80 bucks in interest. this year so far. Wendy's strain our. lives for Wendy's. This just so good. So. good. Discover it. What's going on with. this card? No purchases. Thank Well, it's because it's close to max out. But. >> that one was the one that I had in. college.

That was one that they didn't close in. the bankruptcy. >> Why? >> Cuz that just didn't have a balance. They left it open. $439. 27 minimum monthly payment $35. 16 months to pay this off. $41.73 of interest this year so far. Aspire Mastercard. I've never even heard. of this. >> It's another low-level kind of a credit. one. >> Well done.

$31.81 81. interest charge 10 bucks last month. Minimum monthly payment $3466 cents. Do. we need to have a third fat stack week. already? This is insane. What are we doing? >> Eating out apparently. >> Uh understatement, big guy. An. understatement. This is at a 36% interest rate. That's. insane.

Also, lots of fees this year. Probably. late fees. $85, $19.17 of interest. >> Quicksilver again. >> Yep, that's my small one. They offered. to me in the mail and I took it cuz I. needed the money. That one was actually. for groceries. >> $26759. Minimum payment $25. $269.98. of purchases at the max. Crazy. Uh, another car wash holiday.

raisin canes. U-Haul moving in storage. Taco Bell. Starbucks. Going in and. getting some Taco Bell and. more gas. What the are we doing? What the? >> Sounds like I need treatment for food. >> That might be real. Avant, >> it's another low life card. >> New balance $23.88. 88.

Yeah. Uh uh payment no purchase interest. charge $5.86. Minimum monthly payment $25. 10 months to pay this off. Had $75 in fees this year so far. I. don't I don't even know what it is. It's. either later. >> Opening annual fee. >> That was a opening annual. an interest charge. This is also at a. 36% interest rate, dude. 36%.

interest rate. Oh my gosh. This. continues. Toyota Camry. >> Yep. That's my car payment. >> You got a brand new car while you have. all this. That's why I didn't Well, you're unemployed. >> Well, you're unemployed. >> I got that in December. That's why I was. employed at the chemical company. >> Well, you could not afford this at the. chemical company. I know what your money. was. Not this. Okay. Toyota Camry $41,000. $149.79. what Americans will do you I don't give.

a 7% interest rate minimum monthly. payment on your income even less income. which is substantially lower $7525. that is insane guys this is paid off in. 2031. >> six year loan. >> next decade. next decade what do you think this car. is worth that $41,149. >> Last time I looked, it was worth 31,000. >> That's about right. >> Just about. There's a little negative. from the last one cuz I didn't have GAP.

on my older car. I got backed into at. work and they claimed me 50/50 at fault. >> Is that your F-150? >> Mm-m. >> I'm being told you still owe on a on a. repo from your F-150. >> When I was. >> Oh, you do every bad thing. There is. there anything you haven't done that is. bad? Payday loans, maybe. >> No, I haven't had done a payday loan. Wow. I won't do that. >> Surprising. I doubt that. We'll see. How much do you owe on that repo? >> Uh, if I want to take it out in one lump. sum, they'll do a 50% cut at about.

8,000, but I owe about 16,000 left. >> Well, one time at what? >> At just about 8,000. So, half of the loan. >> This is insane. The car is underwater by. $10,000. The borrowing the difference. honestly still might even be worth it. I. might borrow 10. I would sell it. borrow. $10,000 to cover the gap once we make. some more progress on debt and boost. your credit up. And then borrow $10,000. on a used car that two mechanics approve. that will last you safe for a couple. years to come. That gets you down from. $41,000 to $20,000.

>> Yeah, that would really help. >> Yeah, it would really help. Student. loans for who? >> Me. >> Yeah, cuz we don't have your wife's in. here. And you said there's double. Okay, >> that's just the government loans. >> I'm going to die. $22,7921. What's the minimum? >> Uh, right now there is no minimum. You. don't have to pay on them cuz the. government's forbidden. >> Nail nets. >> Forbiddance. >> Yeah, nails being sued. >> Forbearance. Nailnet's being sued.

>> Yep. >> That's why. No, but that's just a. student loan serer. Were you on the save. plan? >> Mhm. >> That's why. That starts next year. That. starts in the summer. I think it's June. or July. I doubt it's because nail. I. felt like. >> that's the nail one. >> Yes. Yes. Yes. I know. What is First. Mark? >> Yeah. >> That's my private student loans. >> Nets are federal student loan service. >> But they're serviced by Net. >> This is not Net. This is First Mark. Are.

they owned by Net? Maybe. I don't know. Oh, for. >> that's about 56,000. >> No, this is my last thing. That means I. don't have savings. That means I don't. have retirement. >> or 401k. >> That's retirement. >> Well, you have an IRA and a Roth IRA. through work, too. >> For your work? >> You can. >> Not for your work. That's your own. private retire. >> I just considered retirement. >> It is retirement. They're all retirement. and there's none. >> Nope. >> Okay, then what? Oh, dude, you are such.

a creature, man. >> That's why my wife married me. I'm. different. Apparently, >> your student loans will be about 250. bucks. I'm actually you're going to be. automatically enrolled into the RAP plan. repayment assistance program at your. income level, household income. I'm. going to assume your payment is going to. be like 100 bucks a month. Okay, maybe. 50. We don't have to worry about that. >> Cool. >> Okay. Private student loans. What was. your degree? >> I was going for mechanical engineering. at Iowa State. >> You probably should going for You.

dropped out. >> Dropped out after. >> Well, you probably should have kept that. highpaying job and moved for it. Fixed. your finances and then moved back. Oh, my life. $53,970.13. >> wasn't a cheap school out of state. >> No, it wasn't. >> minimum. monthly. >> What's the minimum. >> on that one? It's paused currently, but. when I was paying it was roughly 540.

something. >> When does it resume? Uh, >> I don't know yet. It's just a interest. as well. >> Forbearance. >> Forbearance. >> Forbiddance. >> Forbearance. Yeah. You don't know when that ends. >> You logged in. Well, well, that's going. to be death when that happens. And it's. going to be higher now cuz your min it's. just scaling because it's acrewing. interest. I mean, listen, your optional interest payment alone is. 1,387.

Yeah. extension. until. it's at a 11% interest rate. Daily. interest. estimated to pay off through. >> Yeah, it's a variable loan. >> Well, it's going down then, but it won't.

be good. I wish I could see when it. ended. Good luck us making a budget. Are you. going to do that car thing I talked. about? >> I want to. >> Okay. Then I'm crossing out the car. I'm. going to make your new minimum fee. payment uh approximately $400. Okay. And. you'll have a $20,000 loan for that. >> Okay. >> Okay. What's the typical credit you. would need for a loan like that? >> Um well, I actually saw in one of your. credit reports about 650. It's gonna be.

a debt to income ratio. That's rough. >> So that's probably why they don't. approve me for loans. No, you could get. a car loan. It'll be a car loan, but. it'll still be a lower balance that. you'll aggressively pay off anyway. So, it still works. >> This would be through like Capital One. or something. >> Yeah, you might. You're going to trade. in possibly maybe a negative equity. position. You're going to take out a. loan like close to like 19%. Something. like that. Yeah, it's going to suck, but. it doesn't matter cuz you're not going. to have it for long cuz you're going to. include in your snowball. But a car. companies will approve you for. loans.

you only get a car that you're able to. take to two different independent. mechanics and get their sign off. So, we'll do that. That's the first. thing you're going to do when you get. home. Okay? You're going to start. looking into it and that's how we're. going to budget you. But, we'll see the. difference. You'll see the difference. Okay? Total income cuz it's only just. you. $3,400 cuz you guys are really. weird. And I'm going to call his wife in. the post show. So, stay tuned for that. extra 20 minutes of each episode. Debt, minimum monthly payment. Yeah. Let me add this up.

Good the luck me. >> $2343 a month again. We're at like 35%. interest. This is forever. $31.81. Interest charge 10 bucks last month. Minimum monthly payment $34. New balance. $23.88. Yeah. Uh uh payment. window purchase. Interest charge $5.86.

Minimum monthly payment $25. 10 months to pay this off. >> Max out $79854. Editor, you should make this like some. sick montage or something. >> Whatever. I'll do what I want. >> $1,36459. So that's like half your pay gone. Good. Now mortgage. How is that paid if we're. like. >> rent. >> rent? How's that paid if it's like you.

and her and. >> how do I calculate this? >> My mom pays a,000 towards rent. My wife. pays the other 1,600 right now. >> And you pay? >> I don't pay anything currently. >> What about utilities? >> I used to pay the other. >> What about utilities? >> Utilities about 600. >> Do you pay that? >> Yes. >> Okay. >> Is that including the internet? >> Yes. >> Phone bill? Phone bills about 230. >> Switch to helium whenever you're done. paying off these phone bills if the. mobile's good there for 15 bucks a.

month. That's crazy. 230 is insane. Gas. Vroom vroom. Drive. Drive. >> If I would have to guess, probably 130 a. month, >> dude. I don't know. I saw a lot of gas. I saw a lot of gas. I'd got closer to. two based on what I actually. had 591. But. >> that's probably because of door dashing. We're not calculating. Okay, I'm going. to say 200 then. Car insurance. >> Insurance for both of us.

>> Well, what do you pay for both? >> Yes. >> This is so weird. >> Yes, it's 341 a month. >> Okay. Necessary food. How does the. grocery spending work? >> I pay for it. >> Okay. Do you have to shop for mom? >> Mm-m. >> Good. >> I'd say about 250. >> What? >> A week. I was I was going to say about a,000. >> Well, one's on formula still, but pretty. soon they're going to switch around. >> That's not horribly cheap. A,000 bucks. TP fund. Anything else you and the.

family need to survive? We could. probably do 300. Medical healthcare co-pays. >> Uh, we don't have a co-ay plan, but it's. uh what was it? $150 a paycheck. for the plan. >> Oh, yeah. But that gets taken out prior. >> Yeah, prior. So, technically. >> gym. Is there a gym? Mm-m. Clearly not. >> Subscriptions. Let's try 40. Are there. pets? >> Yes. >> What? >> A dog and a cat. >> Ages and health. >> Uh, they're both good. One's almost.

five, one's almost four. >> 150 for pet insurance. Pet food, how. much? >> Uh, the cat 16 bucks. We get the bigger. bag. Uh, the dog has to be on a special. diet. She's. >> How much? >> About 60 a month. >> 76. Anything else that needs to be in. your budget that I have not put in? >> No. >> Oh, and we're by $1,000. $4,3159.

cents is owed. And that's with us. getting you a cheaper car. Okay. So, yep. Underwater by $1,000. But it's. weird with the I I'm still confused how. you're doing it with the wife coming in. blah blah blah blah blah. I This is I'm. sorry. Here's the actual probably plan. Listen, if it if it works by the 70% you. take, but you pay other bills with it, you said, which is not calculated here, which is so confusing. So, I'm just. going to assume you can't afford it. You're already working. You're already. doing Door Dash. Prove for three to six months that you.

can actually follow the budget, change. the lifestyle, change your behavior, and. then go through bankruptcy again. That's pretty much it. Like you're you. >> technically you can't claim bankruptcy. again for seven years. >> So I'd have three years. >> You might just let your credit card die. Go to go all collections and just. do some debt consolidations. Take. whatever tools you can cuz you can't pay. for this. This is done. But you need to. change your behavior before you do any.

of that for at least three months. consistently. No relapses. And that. means facing your addiction that you. likely have. Those are what we can do now. That's it. That's pretty much it. >> There's one thing I thought of. I. brought all my credit cards. We cut them. up. >> That's not going to do anything. These. are minimum payments. I'm not talking. about your lack of spending. I don't. give a about that. I mean, yes, that is behavioral change. Congratulations. Cool. But you can just. reorder them, so that doesn't matter. I'm sorry. You probably wanted to have a. moment, but that's that's not the.

concern here. All right. I'm going to call his wife in. the post show. Let's get his hammer. financial score, and then I'll call his. wife. Uh, but click that join button to. join Hammer Elite for the PO show. Spending your budget, overspend, 0 out. of 10. Uh, debt. I mean, yeah. I mean, there is there's the $7,000 a day I even. do for unemployment. 0 out of 10. Emergency fund, nothing. 010. Retirement, nothing. 0 out of 10. Real. estate, nothing. 0 out of 10. It's a. hammer. Financial score 0 out of 10. Join Hammer Elite. Click that join.

button. Get three premium shows every. single day, Monday through Friday, including this financial auto post show, which is an extra 20 minutes of every. episode. I'm going to call his wife and. it's going to get juicy. We are calling the wife. How bad do you. think it is? How much debt do you think. he has? >> 4,000. >> Oh my god. >> Let's try. $133,779. >> Oh, dear God, >> you're messing up big time. Oh, that's.

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