I Finally Lost My Mind | Financial Audit

are you being serious yes that kind of. delusion doesn't seem realistic I'm. sorry but yeah I'm immediately. questioning is this woman putting on an. act no yes it's not an act then why. would we purchase on this card but we're. not e this statement you were making a. point I was making a point but your. point is incorrect no it's not you push. back on everything shut the up some. things just. are hi my name is Amber I'm 46 based out. of Round Rock Texas and this is.

financial. audit what do you do for a living in. Round Rock I am a cyber security. engineer that sounds like money it. should be oh it should be okay it should. be I'm not satisfied with my pay what's. your pay one of my friends working in. cyber security close friends makes a. good amount of money what do you make. I'm making 84 okay well it's not okay. well you know I you know I think maybe a. little higher but 84 is not I mean. you're above the median household income. for Austin yeah but you got to keep in.

mind taxes and I'm a single person. everyone has taxes so I'm a single. person with no dependence so that means. my takehome is somewhere closer to like. maybe 50 everyone deals with taxes that. doesn't okay but I'm just comparing. against against comian I get that that. makes sense everyone pays taxes and some. people have deductions they have child. tax credits things like that some people. you know married it helps but yeah I got. married it didn't help oh you've been. married and you're no longer married we. are separated in impending divorce is.

that the finances at all yes oh oh boy. okay all right well how was that messing. with the finances well um before I got. married all of my credit cards were paid. off I had zero balances on all my credit. cards and then when did you get married. I got married December 16th 2023 oh that. is wow less than a year ago that's crazy. yeah we are getting divorced um I filed. the analment paperwork um June 17th. there's so much credit card debt here.

how did this all happen in 8 months he. did not have a job okay why are him not. having a job impact in your credit cards. we lived together I had to support this. man that yeah but you made above the. median household income you alone one. person not no no no no no no no no. median household meaning usually two. incomes not necessarily yes cuz the. median salary in Austin is 55,000 median. household income is 75 five okay you.

make above the median household okay but. that was so you could technically if. budgeted correctly okay I don't budet. okay well I mean that's a starting point. so why are you why are you blaming it on. that then well because it is his fault. he used my I don't budget so so we don't. know where our money's going but it's. also completely his fault well it's not. completely his fault but it is his fault. I had to support a whole another human. being okay why was he not working he. wasn't working because he was. undocumented oh.

rip is that why the marriage was being a. marriage no okay why is the marriage. ending so immediately because he decided. he wanted to send a pick to some. 20-year-old in. Argentina that is a longdistance. pick I wish I knew Spanish so I could. ask her if she was satisfied with it or. not because it is you know objects um. appear bigger than they actually are in. real life in photos have you practiced. that one no okay that's off the cuff wow. I'm full of them okay okay.

um yeah yeah this man don't do that guys. I I'm no definitely I would not. recommend it especially if you have not. had um what do you call it discussions. about eating habits and things of that. nature like this man literally wanted. somewhere to stay for free um wait what. are you talking about this man had a. four course breakfast every day. continental breakfast every day how did. you not know this before marriage we. didn't live together before we got. married you don't want to test the.

waters first I will next time you damn. straight we're doing how long are you. guys together before you got first of. all I'll be honest I know the finances. here are messed up I didn't even know. marriage was a part of this conversation. so this is like blowing my mind right. now but okay um the T side of me I know. you want to know the Springer side of me. you know gets a little excited. um yeah how long are you guys dating. before uh 3 weeks okay what was this. what the okay I will tell this is crazy. be.

completely transparent I kind of binge. watched too many episodes of Married at. First s side and um what's the other one. where you da in the pods or whatever I. applied for these shows um four times I. actually almost got an interview with. the producer I Married at First Sight. but it didn't quite happen and so I got. on Tinder and I started talking to this. guy and I hit it off with him I thought. he was great he said he had had a CPA I. mean he gave me his resume oops sorry. gave me his resume and everything so I.

looked him up um he was from Bogata. Columbia which appealed to me cuz you. know right um so that means something to. someone sure so um we just got to. talking we facetimed every single day um. and then I started talking about how I. really desired to be a partner because. one of my um what do you call that. unrealistic fears is going to sleep and. not waking up and nobody knows and. nobody finds my body for days because I. live alone Etc and he's like yeah I'm.

older too cuz he was 50 at the time and. so it just made sense we were like you. know what we're old enough to know what. we want I want to be with you and I'm. like okay well I guess we can try it so. he drove from Washington marriage is. kind of an aggressive try well we didn't. get married right immediately what. happened he drove to from Washington. took him 3 days to get here so once he. moved in then it was okay well we're. going to live together great I got to. add you to the lease I have to add you. to other things and then he's like cuz. then he sprung on me that we were.

engaged on Facebook well that doesn't. matter though we didn't I know Facebook. is totally not real one how is that not. a red flag then two that also just. doesn't matter in terms of you didn't. have to be engaged engaged just because. he pushed a button on Facebook today's. video is sponsored by Aura and it's a. really important time to be talking. about them because hackers may have. stolen the social security numbers of. every American over 2.9 billion records. were stolen from national public data. which offers personal information to. employers private investigators staffing.

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this right now because not only is. national public data not going to do. anything to help you they probably. aren't even going to face any. repercussions for this leak I'm not. leaving myself and my family vulnerable. to data breaches and if you don't want. to either you can go to or.com to try. two weeks for free well I mean at the. same time be together I'm old well not. old but like I'm older and I feel like I. get the fear of Growing Old without love. one of my fears and it's happen without. all the good things right and so don't.

need love you don't but like you know I. kind of I'm stingy when it comes to so. it's like I want to be my but anyway um. not 20y olds no they're not good at it. um I me the okay sure I'm sorry so 15. days after he moved in he's like let's. just get married actually no it wasn't. 15 it was seven days after he moved in. he's like let's just get married and I'm. like well we have to get a license we. got to wait we went and got the license. you sure he wasn't Green Card This I.

Promise You Because is as soon as we got. married married he didn't say he said he. just wanted to be with me and then every. time we talked about our air quote. marriage it was we're working on it it's. a relationship I'm like no no no no this. is a marriage this is serious this is. more serious than that so you don't know. why he wanted to get married but you're. confident it wasn't an immigration. marriage because he never pushed for a. green card we even went through a. service um to try to get him citizenship. so that he could work work so that we.

could stop using my crit cards work at. all he ultimately I forced him to use. door Dash because he was not making any. so run door Dash sorry so he was a. runner he was yes under my social. security number oh after he tried to. that feels um yeah I know legally. questionable okay it gets better um. before that because again he was a CPA. in Colombia um you do like reality TV.

don't you cuzz like you're coming on. here and you're like giving us reality. TV well I mean you wanted to know the. story yeah so like he was a CPA in. Columbia so he wanted to do taxes so he. signed up for a program to do taxes this. is before tax season but because he's. undocumented has no social security. number the business is in my name and I. hear you don't pay your taxes uh on time. on time I don't no no I'm working on. that so maybe this was a good. relationship maybe but the point was. that he was supposed to bring money in I. had anticipated him bringing money in by.

April because you know he's starting. from zero but he just was resistant I. mean to be very clear obviously you guys. got married way too early too early like. not even questionable you didn't even. know how many meals he like at had I. known that alone that this man literally. had to have a continental breakfast. every morning I literally would not have. married it wasn't true love with that. point you guys couldn't have known. that's hard to know then the dudes out. there sending pictures of that you know. uncut hero so it was uncut oh yeah he's.

from South America he's from anywhere. outside of the United States from. anywhere. else yeah absolutely yeah it was it was. welome to financial audit every one of. the worst mistakes I've ever made in my. life but oh nice learned a lot yeah. don't get married after 3 weeks before. you know how a person even consumes a. meal. yeah I don't most people don't need a. lesson for that one well no well.

well no offense I mean I'm that is. stupid it was. stupid okay so you racked up credit card. debt because of that which I believe how. we started that this conversation is how. we got here okay even though we know you. make more than the median household. income of Austin and you live in a. cheaper suburb of Austin and you make. over $110,000 more than the median in if. I live in a cheaper sub tell me why my. rent's $2,000 a month well I don't know. what your place is but I know you can. get cheaper than that in the sub be. liveing with the size of the unit that I.

live in yeah no see and I bet if you got. that same size in Austin City Limits it. would be more oh yeah no I don't I have. so what are you saying I have no desire. to live in Austin City Limits that's. that that has nothing to do with your. suburb it's the square footage of what. you live in no it's not you just said. cuz when I cuz listen the apartment. wasn't $2,000 when I moved. in it went up like every apartment ever. yeah what by a lot oh that's crazy rent.

went up well you know that there was. rent fixing happening across the whole. country right you do know that okay. Define that in your terms there was a. company I forget the name of them but. they basically all of the apartment. communities agreed to sign on with this. company and they stopped sharing um. globally okay so that's what happened. they were setting prices and that's. owned by a major corporation most of the. well I don't want to say most but I feel. like a lot of um commercial. organizations are buying up Residential.

Properties and then forcing the rent up. because they want commercial properties. and that it it is an issue in general. even still if you combine black rock and. all those other things for the homes. purchases was like less than 5% of all. housing units still in a year now 5% is. a crazy number mhm but it's still leaves. 95% of all units that are being. purchased so if you're going to use that. as an immediate deflection as of why you. probably uh live in a place that's. bigger than your needs need to be no.

it's actually a little small for what I. how many square footage 1450 okay shut. the up you could live in a much smaller. place not with what I got going on what. do you got going on I have a candle. business going on okay then get a a. storage no AC storage so so the solution. to me getting less expenses is to add. another expense by cutting your. apartment in half pricewise and getting. a $25 storage unit yes it's never $25 50.

listen if we can save $1,000 you can. spend $500 on a super storage unit and. I'm totally chill with that you still. save money if I know how math works well. no not really I'm really not good at. math okay fun fact $1,000 is more than. 500 well yeah what are we doing here. what okay. so you're an interesting interesting one. I like to think so uh how much is coming. in from the candles business. zero I haven't launched yet everything.

pay for the space of the what we have. going. on is making nothing how long have you. been doing this um you launched it but. how long have you been doing it I've. been perfecting this for the last two. and a half years. okay better get off the toilet dude well. you got to understand with candles. you're sending a container that can burn. somebody's house down so you kind of. want to get it right yeah does it take. everyone else 2 and a half years it can. take people longer than that actually. okay yeah it's more than just melting.

some wax putting it stick in there and. hoping it works like it's yeah you don't. pay your taxes on time you have. horrendous credit card debt I see late. payments in here I don't think we're. taking two and a half years to launch. something that's not making any money. and might not make any money I might. keep my. gift oh is it a candle yeah I brought. you a sample may I see yeah sure let's. see let's see that's like okay thank you. I appreciate it you're welcome I. appreciate it well it burned down the. house or has the 2 and a half years burn. down the house you're going to have to.

um unseal it it's very heavy is this one. candle it's two actually I B you two of. the scents I'm launching thank you. launching when uh next month okay are. you here just to advertise this no no no. no no no I promise I'm not. okay what do I do what what am I doing. here um I don't have a key product. suggestion number one I want to be able. to open the. product cuz like you know this is she. has scissors I know these are the cut up. credit card.

scissors and not that's not a joke. that's they are they're literally. sitting there for that purpose okay. whenever someone decides they want to be. an. adult. okay wow I'd love to be able to get to. the financial audit at some point this. is uh a nice design this is very. pleasant looking thank you uh green ego. mhm smells nice thank you I don't know. what it is it's not a smell I've ever. had you probably identifying the.

patrier what' you call me. the no the the scent note is is patrier. petor patrier sure um the other one I do. like that it is like you know you got. the clean black the clean white look at. the design that's kind of cool let me. make sure the camera can see that oh let. me smell this one this one's uh self. centered self-centered yes self yes.

oh not for you that's not your fault but. whatever that smell is I hate it okay. that's not that's not your fault I've. smelled this in other candles as well oh. really um and I find that uh smell. unappealing horrific is it the Jasmine. it could be the Lily just smells. like yeah I think it's the Lily it. smells like just like like I'm going to. old. lady what are these that is on beond.

spray okay this one we're burning this. one this is the Lily one this one's. going away forever okay well thank you I. appreciate the gift and listen for what. it's worth the packaging's very nice the. first one smelled good the second one. smells good for other people who like. who likes that smell um you know I'll. I'll have one of the other employees. take the the that smelling the one that. you don't like yeah the retirement home. one. yeah yeah um okay well let's talk more.

about the business in a little bit but I. I want to get into your finances. okay so income mhm I'd pay a roll of. $535 is that about right yes okay please. tell are you a part of any other. business ventures or is this it cuz you. it's I'm like you just have that Vibe of. you're just all over the place I'm glad. you're picking up what I'm putting down. because actually yes um I everybody is. shocked I did try to venture off into a.

nonprofit so I have a nonprofit that is. doing absolutely nothing wait okay what. were you trying to do a nonprofit you're. not at the place of a nonprofit not at. all um what the what was it I'm going to. tell you so what happened was um I saw a. posting online from somewhere where I. get my relaxation items and um they were. looking for people to to co not.

co-invest but like do their own TurnKey. startup delivering medicinal supplies to. individuals um it was supposed to launch. at South by Southwest this year and um I. did not do enough investigation or. Research into the people that were. trying to put this out um I invested. $1,000 in that and my husband was not on. board with it um because cuz you guys. didn't even know who each other were. right and so as the time approached for.

us to actually oh I'm sorry how did you. find out he sent a. schlong over the waves of I had access. to his phone and he had access to my. phone as well okay we were we were. transparent with one another was it just. one it was just one that I. found naughty naughty but yeah so the. person that I was supposed to be going. into business with I called them like. the day of South by and I'm like hey. what's going on what are we doing am I.

running what am I doing and he's like I. you were supposed to be up and running. by now I don't know you bu and I'm like. but what about my money I'm like I gave. you $1,000 what the hell $1,000 is a. significant amount of money terms of the. grand scheme of Life a thousand hour. learning L lessons Okay the 2.5 years. and the marriage thing that's a little. much more impactful um Okay cool so we. have the income 5,357.

what do you think was spent what do I. think was spent oh yeah all of it in the. same month in the same month all it give. me a number 5,3 this includes debt as. well oh debt well yes it is. money um minimum payments no no no no no. no no in terms of like that you're. putting on debt what am I putting on. debt how much do you think was spent in. total across every account in the same. month the exact amount of money that I. pulled in okay how about. double it was literally.

double no yeah whether it's taking out. new debt and we'll find out you know. it's anything but that's the money that. was like gone against you so I pulled in. 5,000 but spent 10 there was an. additional 1,300 that came in through. zel but even still it's not even close. yeah and then. $1,597 56 was spending no nothing came. in that was 1300 through zel 1300 in. total that went out uh we had no we had. in. we look but that's what we.

have people are always confused about. their own statements it seem like well. because that's that's therapist I pay my. $1,300 a month no well maybe. not huh 65 bucks a session one session. every. week no that's not $1,300 what are you. talking about you obviously have never. budget in your life no I didn't and. you're trying to start a business and. you don't even know how to budget so go. through the budgeting program please for. S go through the budgeting program take.

all the quizzes go through the education. you guys can get it now at a discounted. price 15% off by the way bundled with. the investing program where we get $100. in cash into your Mumu account for. fun okay to buy mumus with hm nothing. H I said to buy mumus with I don't know. what that means cuz you said and you get. $100 in your Mumu account to buy to. invest mumo with what's a. it's like a very large dress for a very.

large. person oh. sorry okay I okay sorry no it's fine I. just I've never heard I I'm I'm not a f. I'm a big woman men wear them too you. said woman dress men wear them too okay. um 600 lb life. okay I just want to get into the. finances okay I'm sorry I'm sorry well. I'm I'm happy to always go down rabbit.

holes but you just throw me down every. rabbit hole that my brain just. immediately is just like my bra kind of. works like that okay okay what's your. hammer what's your financial score self. assess what do you think 0 to 10 zero. being the worst finances ever tend being. the best negative2 okay that's not. possible but whatever if you want your. Hammer Financial score it's free Link in. the description below also feel free to. come on the show guys if you have. interesting. stories hopefully less interesting. because we're 22 minutes in and we. haven't even aled about a statement go. to Cale hammer.com apppp oh my okay.

Quicks silver so how' you go into debt. to fund this marriage because he wasn't. working even though we know you make. $10,000 more than the area for the. househ own for two income and you live. in a cheaper area and your rent actually. fits in your budget fun fact so well how. did the deck get up in eight months from. zero huh how' this go capital capital. Quicks one did not make. $10,000 uh I said $10,000 more than the. median household income oh I'm so sorry. sorry um so yeah he spent it so you gave.

him access to your credit cards I did. you didn't even know the man I was. married to. him trying to be a good. wife Good Wife by just is Good Wife. enabling bad behavior of a. partner uh I'll ask my therapist I would. I mean well first of all the answer is. no like if I had a wife and she was just. like going into an immense amount of. death well I mean like like that's not. me being like Oh I'm a good husband.

letting uh my partner going into debt. that doesn't make any sense well I mean. in what world ises that being a good. partner he had continental breakfast. every day okay what does that mean. that's like the millionth time that. you've brought this up okay like four. pieces of toast okay so three eggs four. pieces of four pieces of toast to start. what is that two slices of bread if you. cut the toast in half so four slices. bread okay four slices of bread so you. get a loaf twice a week okay go ahead. keep going that's not crazy not.

yet three. eggs um also not crazy with with um. whatever cheese he decided at that. moment fruit um sometimes papaya cheese. what a crazy guy okay keep going. sometimes he would have papaya um and. then orange juice and coffee had to have. both that's in every movie in TV show. ever exactly I didn't think I was I'm. going to like live it every single day. dude likes acids yeah mhm was that it.

yeah okay he ate a very diverse. breakfast it's a lot of food yeah but. you made it sound a lot more extreme oh. well than it really was and that's also. not a uh I don't think that's how the. average person eat. breakfast okay so for him to have a. continental breakfast like we live at a. hotel is ridiculous that was not a. continental breakfast but yes it was. okay lady. I don't think that's why $40,000 of debt.

was added over a year no no no no a lot. I know why you bringing up a lot of it. was the can business what is this wax is. expensive fragrance oil are expensive. vessels are expensive branding labeling. so we're deflecting all now don't get me. wrong he obviously did wrong with the. schlong to the lady he did wrong you. guys both did wrong on the marriage but. why are you immediately blaming him on. the. finances when obviously the debt was for.

the wax and not the marriage waxing no. because at the time that we got married. all of those supplies had already been. purchased it was literally after I just. said that did the breakfast isn't what. added $60,000 a debt and you're like but. it's the candles and now you're saying. it was the candles before so can make up. your mind which one is it cuz it's not. $660,000 that was in a year Caleb I give. you free money right now I've partnered.

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$5 you'd get from your friend's referral. you can also sign up for our investing. program and get $100 in cash deposited. into your Mumu account this is the best. way to learn what your investing profile. looks like and what investing strategies. to use based on that all of this free. money is linked in the resources section. of the description below so don't pass. up the free money cuz I'll punch you but. you said the credit cards were zero I. have a total credit line of. $8,000 okay all the other credits all.

okay so were all the other debts. existing then every other debt was. existing including your 401k loan yes. why do you have a 401k loan I needed. money four cuz you make money I ran. out how oh my gosh I don't know I just I. don't get I don't I'm I'm like I'm being. honest I really don't know I don't know. where my money goes I don't budget we. talked about that before yeah I don't. budget. yeah oh boy. oh okay okay yeah cool so the quicks is.

at. $2,609 yeah um credit limit is $2,000 I. know I'm over budget uh or over the. limit oh you do know something and $72 a. month is the minimum monthly payment. because I'm over the limit yes once I'm. reduced not over the limit then it'll be. a little bit less but I probably will. still continue to pay question more than. that. because question yes.

perhaps if we are trying to get below. the credit limit yeah mhm what's my. question no I'm. I'm like really you don't know what my. questions about to be why am I paying. the minimum is that your question what. the are you possibly purchasing on this. card. food. Amazon look back to my question I'd like. you to hear it again why the. are you possibly purchasing on this card.

well I can't make any more purchases on. it because I'm over the limit but before. it got over the. absolute stop for a second okay just. stop for a second are you being serious. yes are you legitimately cuz like I that. kind of delusion doesn't seem realistic. to me I'm sorry but yeah and the fact. that you've mentioned loving love Island. and all that it's just like I'm. immediately questioning is this woman. putting on an act I did not mention love.

Island first of all the other ones. Married at First Sight. sure so no yes it's not an act and no. like I I don't budget I've admitted that. like many many many times I don't budget. and I I need to St budgeting you said. you know this is at the credit limit and. you want to get it below so your minimum. the payments are lower then why would we. purchase on this card but we're not this. card we're not you did in this statement. in this statement statement we're only. talking about the hey hey no we're only.

talking about the statement that exists. yeah and if you look at it what. purchases are on the statement Caleb. there aren't any purchases on that. statement because the card was over the. limit not true that's not true I have. the statement literally in front of me. so I don't know what the you're talking. about tell me what I bought door Dash. and something on Apple um yeah door Dash. that's more important than having lower. than a card didn't I say food in $9.9. you did but you just you just told me oh.

this this conversation is going to push. me to my limit I can alreadying tell you. just told me that there was no purchase. on the statement right in front of me. then there obviously is two of them and. one of them is the door dash one of the. most expensive ways to get food ever so. what are you talking about well you made. it seem like I was charging while it was. over the limit and that's not. accurate I specifically asked why if we. are trying to be below the limit are you. spending on this card as in you pushed.

yourself into the limit and then the. interest pushed you over why are you. pushing yourself to the limit on this. card that was the card that I had money. available on. okay fun. fact we probably can't afford door Dash. then okay it was either that or food oh. myoc uh groceries so would it would have. been better to say h yes because that. amount of money at HB could stretch. further that could get you two meals. instead of one door Dash I it was two.

meals that could get you four meals. instead of two door Dash have you bought. eggs lately you don't have to is oh guys. hey fun fact fun fact go walk into a. grocery store tomorrow you'll find that. the only thing they sell there are eggs. no I'm just saying if you're if you. periodically go to the grocery store to. buy Necessities $25 cuz that's the. amount that we're talking about for door. Dash it was $26 and some change that is. not going to get me four meals. example because it's meal prepping this.

$25 here you take that that's close to. 10% 10% of the monthly budget I am able. to get you to get three solad meals a. day plus snacks in a healthy caloric way. on full month that's almost 10% of a. monthly budget I can get you $2 I can oh. my do you understand what $25 is 10%. of $250. okay so also eggs you can get a dozen.

double age $4 yes 380 something 340 see. so like I said like it's either. congratulations I don't know if you know. this oh I'm I'm legitimately very angry. right now am I angry because of. something before this episode probably. not because nothing happened but I'm. angry you are pissing me. off you could get seven and a half dozen. eggs 7 and a half doz dozen eggs I'm. doing like Trump hands right now that's.

how pissed you're making me [ __ ]. fantastic eggs the most fabulous eggs. you could have had so many eggs and you. could have the meals the scrambled eggs. you could have had in just your example. because eggs is what you care to bring. up when I push back on door Dash the. dozens of eggs you could have had cuz. all want is eggs right huh cuz yeah all. I want is eggs it was youring example. that was an incorrect but I was trying. to make a point you were making a point. I was making a point I'm is incorrect no. it's not it objectively is we just went.

over how many how how in what way cuz. your statement was for the amount of. money that I spent that day on door Dash. I could have bought four meals instead. of seven and a half dozen eggs could. stretch further than four. meals nobody's going to eat that many. eggs that's your choice nobody's going. to eat that many eggs Caleb it's not. forol that's not good for your. cholesterol. how are you how have you existed you.

blood pressure medicine this is I. probably should be after this. conversation this is probably why your. business hasn't launched in two and a. half years of trying cuz you don't know. how to think through anything. critically that's ridiculous $25 okay. okay uh rotisserie chicken boom there's. a meal $5 HB you could go get the little. meal the they have the meal prepped meal. or they have the the the the Frozen or. refrigerat I have never seen a rotis. chicken for $5 at HB okay then you've.

just never had eyeballs I don't know. what the tell you seen okay yes I have. it's right here are you kidding me it's. literally right here what are you. talking about how do you you push back. on everything shut the up some things. just are some things just are okay and. oh my gosh maybe I just preferred to. have a salad that day there it is it's a. preference there it is you should have. said that the whole damn time that's all. it was was you wanted you wanted okay.

you could have done better you chose not. to so why are you arguing this I'm. not Capital One regular. one. $38.50 it's a $47 minimum monthy payment. oh we're over the uh limit again so yes. yes we are oh you want to salad you. could get one for. $5 southwest chicken entree salad very.

nice ooh Chef entree salad that's $55.72. from. HB interest is. acing paid a little more than the. minimum trying to get it. under Capital One Walmart we're addicted. to Capital. One what do you what. uh sorry I want to calm down for a. second I want to know what do you. actually hope to get out of this. conversation. cuz I think one of the reasons why I'm.

pushed over the edge right now is cuz. you just. feel like oh you want to plug your. candle company you want to get a little. bit of attention you wanted to be on. reality TV you want this and it's is. pissing me off what do you hope to get. out of this conversation well I came on. the show because I need. help um I'm 46 I'm closer to 50 than not. and I'm running out of time to get my. financial.

together because retirement is so you. what what's the help you're hoping I'm. hoping that somebody can help me create. a usable budget my issue with budgets is. they're usually don't buy anything you. don't need to buy anything cuz you're so. much in dead you're so poor you don't. need to get anything eat air okay I'm. poor you make a lot of money you know. what I meant I'm that I'm not going to. do that I'm not going to work to spend. every dime on bills that will never. happen in my lifetime okay you might.

never you might never get out of debt. and and honestly with the student loan. debt that I have I kind of had already. resolved that but or like resigned to. that fate but what I do want to do you. given up on the student loan part yes. absolutely but I feel like I can turn. the rest of my financial situation. around and I want to do that um I. genuinely want to do that but if you're. not willing to cut the candles was a. gift by the way so to say that I'm here. to plug my candle company. I didn't even mention the name of it.

just makes me a bit nervous if it was. about that I think I would have. mentioned the name of it bit all that. kind of stuff and I never did any of. that so I'd appreciate an apology for. that thank you very much no so I film. four to five of these a week so I've. seen a lot of different people try to. come on here for a lot of different. reasons many episodes we have not. uploaded okay fair and this resembles a. lot of them and that's what upsets me. but I am going to treat this regard. regardless as you genuinely wanting help.

I've given myself a chance to take a. deep. breath and. I your situation is scary for your age. yes yeah all right calm down um I'm. trying to be trying to bring us back. into happiness well I'm just saying like. I don't appreciate the accusation cuz if. that was the case like I could get bered. by you know anybody else and actually. play my candle company that hasn't even. launched yet well no you didn't get.

accepted to be on any other. show. um but the thing is your retirement is. at 10,000 but you have a loan against it. for two loans against it yes that's what. scares me it scares me as well but you. just specifically told me that you're. not willing to cut back no I didn't say. I wasn't willing to cut back I said I. was not willing to eat air for the rest. of my life because I'm in debt oh I. don't think about rest of your life. we're talking about temp temporary. sacrifice here that's what this Show's. all about I'm not willing to do it for a.

year 6 months maybe actually no air is. not sustainable it's not nutritious okay. well obviously we're not going to do. that I'm giv to give you a $300 grocery. budget and you can follow our meal plan. okay that's fair I can do that well who. would say Don't eat no one practical. Dave Ramsey says that no he says b and. rash B and rash Dave Ramsey that's what. he says that's still food he's like you. can't go out you can't go I'm like. that's not enjoying life no no no yeah. but why do you think you're entitled to. that tomorrow is not promised I could. die tonight I could get struck by.

lightning when I walk out of this. building that light could fall on me and. end it absolutely you are totally right. so we may as well sacrifice for the. higher percentage that tomorrow is going. to exist because if you get struck by. lightning tomorrow you won't know that. you suffered in sacrificed it won't have. mattered anyway so do it be an adult. that's what I say okay um uh but uh no. he says you're never going to see the. inside of a restaurant unless you work. in there I mean obviously that makes. sense when it when we're talking about. per portion per calorie you are spending.

more at a restaurant than if you're. eating at home when we're talking about. not going out to. eat for a little bit it's so you can. take care of your debt it's. because fast forward 20 years for your. life right now your retirement doesn't. exist and you'll never be able to retire. exactly so I don't give a if you feel a. little upset that you're not eating out. for a year if I get you to a point where. you're able to retire if I'm evil for.

that fine I'm evil because I want. someone to actually have a chance at. retirement oh no how. horrible I think it's liter first of all. you're trying to be a business owner no. business gets to any point I didn't get. here without sacrificing different. things no one gets that but you're. someone who's puts putting her sacrifice. on a time limit of 6 months and you have. total debt of.

$229,500 debt doesn't make any. crit you said the credit card debt I did. say I was out of debt before I got. married and now I'm back into it I did. say that you're absolutely right mhm.

this what are. you what are you like what am I getting. from this. conversation this is Ban true now I. don't even know what's true anymore that. you're saying because this has. objectively been false I mean if I knew. where he was I could have had him here. but I don't know where he is you're now. an unreliable narrator when it comes to. your own finances because you completely. lied how the credit card debt was formed. no I didn't. lie h I Mis recollected that's different. by a lot by thousands of.

[Music]. dollars buddy friend bestie this is at. $29 you said this is his credit card the. card recards that we went over before. this were 2, and 1,300 so I don't know. what the you're talking. about of course this is basically that. it's credit limit interest is occuring a. payment was made. I think I hit the table too hard reset.

your Ambiance with the Ambiance I don't. think that resets nerves I'm sorry it's. okay just going to massage my wrists. okay Credit Union M okay so you have a. line of credit to the credit union is. this is this I've had that line of. credit for like five years oh wonderful. yeah what's the max you're allowed to. borrow with this $2,000 oh wonderful so. it's been at probably max out for the. two years correct wonderful so. A+ debt I guess we'll call it A+ debt.

it's the credit union is at. $1,960. 123 with a 12.9% interest rate better. than all the other credit cards still. absolutely horrendous for example you. know I don't know I don't even feel like. going what no tell me n say you're not. going to beat it in the you're not going. to beat that you're not going to beat. that interest rate in the market so we. would want to pay it off early. Ally mhm this is the episode where I.

finally lost it that is a new credit. card people have always asked and I've. asked myself as well 2 and a half years. into this thing what's the episode where. I'm going to lose it I've lost it it's. happened we've reached the moment can I. help you get it back no no no not you. there's nothing I can do to help you get. it back not you okay I think you're the. one that made me lose it oh I'm well. then I feel responsible no it was some. uh it was some teamwork I think Teamwork.

Makes the Dream workor you want to talk. about my Ally card. now I'm just or do you want to skip it. because it basically looks like the. others no that's not how the show works. okay but I'm just nervous of us teaming. up because the last time you teamed up. it ended blood pressure no it ended in. eight months it technically ended in the. second month he just really I couldn't. get him out of the house cuz he was on. the lease. what does the future hold for your. business ask nine experts and you'll get.

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opportunity download the cfo's guide to. Ai and machine learning at nets.com. Hammer the guide is free and packed with. insights to keep you ahead of the game. that's nets.com Hammer thanks to netset. for sponsoring this episode oh man so. you guys determined who broke up with. who oh I kicked him out I put him out to. a hotel he called the police because. called the police he called the police. on me because I locked him out of the. house and the police told him what I did. was not illegal and he should spend the.

night somewhere the hell else and when. he came back he was resigned to the. second level of the home that's where he. lived for the next month and a half. until he finally left okay you have two. floors you don't need two floors um you. can live in a cheaper place candles. don't need another. floor all of my candle business. information uh inventory SL stuff is. literally in my dining room I have no I. definitely don't need two floors I eat. on my couch couch but all the upstairs. is my bedroom and my off my home office.

cuz I do work from home oh okay uh so. we're double officing that's wonderful. I'd do both out of one or work from the. couch it's it's kind of um hazardous so. because of the you have to heat things. to a certain level but you keeping them. on the dining room table I okay no no no. no just to cool it to heat the wax. that's in the kitchen so the entire. island of my kitchen has like melting. pots Al is at $259. .25 again basically maxed out $27.

minimum the payment oh we're purchasing. wonderful what are we getting food yeah. tips treats it's cookies mhm LinkedIn. premium yes trying to find job okay yeah. I mean in your field you could make more. money again you're not making an. insignificant amount of money obviously. you just don't know how to manage money. correct I admit that I admit that openly. that's why I'm here I know yes okay. that's why everyone's here okay.

easy and yeah $20 of cookies the sugar. cookies from Tiff streets are pretty. good unfortunately Tiff streets has gone. downhill quite dramatically these last. few years I was a little obsessed with. the the ones that they have with the the. fancy middle like they had a peanut. butter um with a raspberry jam in the. middle it was so sounds good I'm going. to give them a shout out though tiny. milk and cookies go there have you been. no oh go there it's just a I think it's. just a small local place it's really. nice it's off of mopack I have your.

permission to go eat out at tines milk. and cookies uh if you go find another. man that you're going to marry in three. weeks and he pays for. it and then you went to 7-Eleven and got. some bll probably I got gas at 7-Eleven. okay very little amount of gas I don't. drive. anywhere okay but you don't you fill up. your tank when it's like three4 or. something I fill up my tank when it's at. a quarter and then okay then you only. put in an additional quarter yeah cuz I. don't go. anywhere okay it's a.

31% one thing I could do to at least. help you I think I think corc has some. cyber security really certifications me. I can gift that for free okay cuz I have. I do have two OCTA certifications but. they have not really helped me get. another job well I guess anything that. just boosts the resume you know the more. the marrier so let me look into that. though cuz they have certification for. so many things let me remember I. appreciate that oh wow credit one that's.

when we really know we're you know that. is another one that he did use because. he had some dental work done we used. credit one for dental and he had a card. that shows and he had a colonoscopy and. he wanted a. vasectomy you guys were married did you. not get him on your health insurance yes. he is on my health insurance the with. the co-pays or I have. deductible on my health insurance for. the Bal price.

$180 every paycheck he's probably still. on your health he is until I get my. divorce decree so I can remove him are. you almost there I I'm waiting on the. court date I've sent all my paperwork. and it was accepted by the court I'm. waiting on the court date eagerly. waiting Oh I thought you said eager. okay I was like who what's happening. okay Los my. mind oh $433 a purchase on Credit One. also got his suits dry.

cleaned because he was going to sell. life insurance you know he was obviously. just marrying you for like money or. something I see that now yes did you. guys have like good healthy activities. consistently no okay he was marrying you. for the money yeah I'm sorry he was. marrying you for the money I know I need. I know now which is actually. um I will after. rounds of roasts and things back and. forth I will give a compliment you.

absolutely look fantastic for your age. so like I think we could find you. someone very pleasant who isn't bad this. is this is I will I will say this on. your show I am perfectly willing to. relinquish all financial. responsibilities to my. husband that can manage our finances. because I'm not good at it I'm just not. good at give me one card put whatever he. thinks is necessary on that one card do.

you want to be like a Trad wife or. something what's happening I'm sorry you. want to be like a Trad wife I feel like. this is like a theme like three times I. have to work if I don't work I get. really bored and then I start buying. things but you want him to like control. the money if he's good at it absolutely. I will relinquish that CU I'm I'm I suck. at it what's do Sierra Creations that's. okay those those lovely Lids that's. where I get those from oh okay mhm it's. expensive okay I want to oh let's I want. to talk about a million things um okay.

let's go back to the canand one at a. time sure mhm okay what do you sell what. what is your product line candles um. Ambiance spray okay and bath. salts walk me through the price of this. that is a $45 candle oh wait no no no. the price it takes for you to make it oh. to make it $15 okay what does this lid. cost that lid per. lid I'm sure you're ordering in bulk but. I do order um a dozen at a time they're. $30 a dozen I'm horrible at.

math I like the smile of this one I. really do so whatever that works out to. be like I'm really bad at math I don't. know so you think these are 15 to make. each I have it in a spreadsheet at home. I don't have it like right here yeah. it's $15 because the vessel cost trust. your spreadsheet well because I have to. put I put in what I buy the lids for and. then I use one lid then I put in yes now. that candle is 15 and then is the. customer going to be Co covering.

shipping no okay so shipping's going to. be included on your site and obviously. these has have that entire box was very. heavy but keep in mind you had four. products in there so that's okay well do. you can you buy just one though yes. absolutely okay I mean shipping this. within itself this is like you know this. is dense it's probably because this is. like real glass yeah yes it is yeah well. it's very heavy and that's going to eat. into your margin so I guess that's why. you have to turn is such a premium but. it's also a very longlasting.

candle okay which which is fine but like. that's expensive though you know it's. expensive that's like a Le labo type. price okay oh that's not necessarily a. bad thing it's just I don't know when. first getting started because you have. to have that price in order to generate. any kind of profit because of the. shipping cost it just it makes me a. little nervous what I would like to do. is a subscription model to where they.

send back the empty vessels and I give. them another one for it and they get it. at a discount so it's only like that. Hefty up front so you're paying for. their shipping back too yeah oh buddy. okay that's going to be. expensive um so that means the. subscription is going to have to be. expensive. um uh so your launch what is your launch. plan huh your launch plan. you mean like where how do you plan to. launch this.

online so you just click I have I have a. website live I have a website that's all. your plan is no I have influencers that. are going to help unbox and promote and. then on like what on Tik Tok how many. followers in total across all. influencers oh I don't have that many. follow oh for the influencers um there's. at least 500k what have you paid they. get a candle and they're doing it yeah. 500k across the board yeah what are they. getting consistent views on a monthly.

basis across each of them oh that I. don't know well at least it only cost. you a candle but if you were paying for. it I would have been upset if you didn't. know well hopefully that's good. um actually that's a cheap way in I'm. more curious about their views and. seeing if it actually leads to. anything uh you're not going to do any. paid Marketing in terms of like Facebook. ads I thought about Facebook ads but I'm. not 100% sure where to go with it just. because Facebook ads are pretty good if. you can really dial it in and they're.

pretty cheap too okay I'm open to that. cuz I mean I obviously haven't burned. this but you know just smelling this. here the feeling of it the look of it I. do like this thank you you know in just. in general just my the the the instant. you know off the cup what about a popup. uh well actually even better you know. what they have all over town just the. little markets but it starts building. your in-person customer base right. you're right that's how I started. enjoying um obviously it's not a well. this is that's how I've started enjoying.

some local products my fear is the. Integrity of the product because it's. wax and it's Satan's balls hot outside I. don't want things to melt other people. do candles though at these markets I go. all the time and then I don't have I. don't have a table for that I need to. have we can get a cheap table okay and. then do I need a. sign yes you'll probably have to invest. a little bit of money into it but again. you're just getting in front of. customers yeah in front of wanting. customers too cuz people go to markets. to browse new products yeah and support. local businesses okay I'm not saying.

that is the first Al that's also a great. place to get customer feedback to tweak. before major launches as well I almost. actually wish you did that for about a. month or two before a full launch I. don't like that this this is like kind. of sticky H that would be my only. negative feedback because I don't like. that it's sticky the negative uh. feedback of the smell of the other one's. not fair just because I just don't like. that smell but I understand.

okay this be hon you just. like okay now let's so the Credit One. you did the the the okay okay here's the. thing about the business let's keep. talking about it for a second okay if. you're funding the business and. inventory on credit one out of all the. debts this is this is essentially like. the last step before Payday Loan in. terms of of how bad credit one is this. is like the worst credit card you can.

get out there the monthly fees all the. these show up in the mail and that's how. you get them uh and you're funding your. inventory based on that. it's at that point I'm almost not even. doing the business if I'm funding it on. credit one that means you've pushed it. to the ACT absolute limit yeah plus two. and a half years what have you been. doing um uh and then there's also an. apple bill on there and then the Flaming. candle what's that that is a Candle. supply company so I get fragrance oils.

from there like there's various things. funding that and then your energy bill. yeah on the credit. one. yeah we might need to okay can how long. do. the launch after the launch after the. the. launches you might for the influencers.

if it goes well you might get a little. bit of influx but then it dies down. consistency and profits and that that. might take a long time to get to how. long do we allow what's the runway on. this on using credit one to fund. inventory what's the runway on your. business that you're going to allow. yourself before we finally just cut our. losses and say that okay our retirement. is literally zero cuz we've borrowed. against all of it and we're almost. 50 at that point what are you allowing.

your Runway to be cuz that's terrifying. yeah I really don't want to give up on. it because I put too much into it I know. you don't want to but what Runway are. you allowing yourself to and also that's. sunk cost just because you've lost money. into it doesn't need mean we need to. lose money Forever on it I granted so. what have you allow have you given. yourself a cut off yeah like six months. so it's a time thing yeah okay but it's. not a once I launch oh sure. if if I haven't. sold anything I don't because this is.

the thing that in my mind I don't. anticipate generating a profit because. it's you know you got to like put. whatever you make back into it to buy. more materials to make more things yeah. you got to fun and so like purchase. orders for this kind of stuff yeah so. like I don't anticipate generating a. profit but I'm trying to give myself at. least 6 months to actually make sales. I'm just a little concerned that this is. a a hobby that's gone bit far okay fair. fair it's taking a long time lot of debt.

and we're funding it on Credit. One if it was like a business small. business loaner even a personal loan it. would be like okay I would feel gross. but don't think I can qualify no not at. this point not at this point but before. the credit ones. maybe our Energy bill on Credit One gosh. so I don't even know if I said the. balance but it's. $45.73 with a $30 minimum Mony payment. oi o. they oh good we have another Credit One. credit one number two there's three.

total okay. $1,655. 68 Oh I thought I saw p 2 for a second I. was about the my mind this is the fees. because Credit One always has. fees gosh credit protection Express. payment fee what even is that whatever. $58 Min payment thank you for not. purchasing you probably can't it's at. the limit isn't it yeah it's basically. at the Limit Oh Boy Oh Yes Credit One.

Number Three LinkedIn premium on here as. well two LinkedIn premiums not in the. same month these statements are all from. the same. month well the dates one was cuz one was. paid oh I know what I did so I I. upgraded the LinkedIn premium so that I. could actually send emails to recruiters. because I was you only get like five or. something like that and so if I when I. upgraded then I got 15 wonder if that. even works no so I didn't renew.

purchases and it was that and then of. course there was unlimited fees cuz it's. Credit One minimum payment. $53 and the balance is at. $152.99. o oi oi you need you can't you're not a. card person you need to use a charge. card like the Fizz card something where. you yeah something well essentially. where you you put the money on the card. you can only spend what you put it on. SEC okay what are these yeah secured. cards as well charge cards secured cards. charge cards are more like you have to.

pay it all back by the end of the month. like it forces you too okay what is. this well now I know what online. divorce.com. is yikes we're overdue two payments yes. we are so we're in collections for the. entire balance right now your marriage. is in collections and the divorce is in. collections my goodness. yeah big mistake I regret it I have. yeah but which just why aren't you. paying I'm sorry just why aren't you.

paying this I don't have anything. extra um it I'm I'm not prioritizing it. I'm not I don't have anything extra to. prioritize that okay you spent $697 111. going out to eat and 6337 $633 on. miscellaneous BS which is essentially. just endless crap and then $156 on. subscriptions so that is incorrect you. do have extra money you're just spending. on going out to eat and shut down your. throat there's going out to eat and. there's also taking care of my cat that.

I had to put down recently that was $800. that's probably somewhere under. miscellaneous in there no no it's not I. said miscellaneous is 600 if it's 800 it. wouldn't be in that that doesn't make. any sense also going out to eat is uh. not putting down a cat that's true true. true true I'm sorry you did I'm sorry. that happened I've I love cats I love. dogs I love every animal and I'm really. sorry because that's like one of the. hardest days that really is but that was. not the expenses I was calling out that. is a necessary expense I didn't call out.

necessary expenses so you did have money. left over you're were choosing to Door. Dash it was $641 on door Dash alone okay. in the month okay it's laziness you're. lazy that's fair you're a lazy 46y old. child oh when it comes to your food okay. that's fair I don't like to cook yeah. well there you go that's being a baby. and I don't think we get to be a baby. when we have zero dollar in retirement. because we've leveraged against. it sorry I have no comment for that yeah.

doesn't mean you're a baby in every. aspect of life but in your food you. absolutely are so we owe and you said. this is in collections now officially. yes internal or like they sold it to a. collection I believe it's internal okay. so you owe. $199.50 to it's like online divor all. together uh okay so it's 300 yeah like. three something 390 something I forget. okay well so 400 okay 390 online.

divorce can I ask this is going to be. personal this is going to be. inappropriate it's going to uh involve. um um. um uh did you guys I just I'm so curious. about this marriage did you guys ever. consummate once yes absolutely. okay okay not necessary to know. but very intriguing marriage yeah so I. want to like know if you guys even like. touched yeah we did at. first at first mm it was three months.

what's at first considered in three. months the. first month is roommates with Benefits. um yeah that's what it turned. into and then no benefits just you take. up least handsome swave he yeah he. really was cute short but cute what's. short he's my height I'm 5'4 Oh short. King no not a King Kings don't send. Kings don't cheat exactly short.

loser. endingo Indigo Indigo Indigo yeah yeah. adding an extra. in well I was the Spanish the his South. American Heritage was on my mind so this. is cuz it's okay so I won't say what it. sounded like then IND. dingo please don't say it what does it. sound like. sounds like Mandingo and that is not. South American what's Mandingo that's.

African oh what is it huh what is it I. can't tell you that is it a tribe no oh. no it's a. it's we'll have to save it can we talk. about it in the post show yes yes we can. oh guys stick around if I make. it okay uh for. Indigo you owe $100 48 yeah with the $40. minimum three payment I'm just surprised. we don't just even just like kill that.

kill it yeah I should an annual fee is. kind of what hit and that's what brought. it up exactly cuz it was paid before. that close it if it has an annual feiend. we're not even using it this is like I. didn't want to take the hit on my credit. score that already sucks yeah but that's. the thing it already sucks to take the. hit I what are you like I don't know. it's cuz here's the thing I can't move. into a cheaper apartment unless my. credit score is above like. 600 so I'm kind of stck poten you might.

be able to move within the same complex. but it wouldn't be a cheaper apartment. in the same complex uh how many rooms do. you have I have two but the B they have. one bedrooms that are more expensive. than what I'm paying for My two-bedroom. okay all. right One Main Financial oh my goodness. how many debts do you have so far we at. 1 two 3 four five 6 seven8 nine 10 I. want to take a nap we're an hour and. eight minutes into this thing is this. going to be one of the longest episodes. I'm sorry no it's fine it's fine a title.

if you walk away with something positive. legit it's fine even if I lost my mind. there for a bit that is a title. loan that is what I used to pay the. credit cards before I got. married so you didn't ever pay off your. credit cards you Consolidated them on. this yeah guys well they were at zero so. for me that's paid off I can't even like. react to this anymore like all my all my.

reactions my ability to react is. gone so I'm not surprised anymore but. it's also it's just like again you're an. unreliable narrator of your own. financial situation I mean I'm not using. the right terminology I'm sorry about. that but well that's okay but that's. what makes you unreliable okay um um. just like if you say something about. your finances I can't just take your. word for it anymore oh okay um not. because of lying necessarily but thank. you for that what saying I'm not lying.

well for at least this one you're not I. think the guy I think you uh did lead us. astray on that one no yes. 400. $55 basically 46 58 cents a month is. your payment and the consolidation not. so first of all it's a 24.84 per. so you. barely even saved any money on it like. 4% interest depending so I don't even.

know what the point was you just allowed. yourself to build up the credit cards. again $1. 4,724 and10 and you try to blame. building the credit cards back up on the. guy but we now we know you didn't ever. even pay these ones off anyway you just. Consolidated them and then build it back. up this is horrendous this is horrendous. that's an insane debt and I have no. energy to react to it okay what two. failed payments for what fashion Nova. what are we doing you this is just. you're just so indic oh is that a firm. that probably is a firm is you owe $45.

to a firm mhm wonderful I lost weight I. need to. close that's good I lost 85 pounds I. need to close dude congratulations. that's sick that's good that shows you. do have discipline uh abilities that's. good that that gives me a little more. hope over the. finances so we owe 45 is that all owed. at once or yep you have any more uh I. don't think so I probably don't let you. well did you said this was a firm mhm I.

mean maybe we just wear baggy clothes. until you can go to the store and just. buy the clothes though kind of sucks but. oh my are we behind on our Energy bill. no that is not an energy bill that is a. statement for my rent my that that's how. they send it to you um so you're not. behind you see how much the rent is. you're not behind no okay behind here. you are kind of the summer. of what of a lot of Americans experience. a lot of people think they come on the. show and the income is the problem you.

you're not you have a very blessed. income you put in the work for it you. worked for it so don't get me wrong it's. not like you were just given it but you. have a great. income income is not the issue you've. inflated your lifestyle Way Beyond it. yes I I admit that yes and now I'm. comfortable and that's the problem okay. so walk me through your schooling cu the. fact that you owe $273,200. 44 on student loans is uh vomit do soon. okay so I started going to college.

immediately after I graduated high. school which was in. 1995 how was the year I was born. congratulations good year um but I had. apparently not for you no I had to take. a break because I had to work so I I had. to finance this by myself my parents did. not help me at all so I had to take out. loans um as I got to be in a like where. I had to have my own apartment and. things like that um I found myself in.

transition often as in like um I didn't. have a job so I'm like my student loan. payment would come through or financing. rather would come through and I would. just take the maximum so that I could. support myself while I was looking for. another job yes absolute wrong thing to. do yeah but at the same time I at a. private institution out of state or what. h it was initially Community College. then it then it too high for that but.

that was in the beginning and then you. went to then I ended up going to um a. private school for six months I got. kicked out and then K I didn't pay like. they told okay I had a pre-approval for. a loan to go after and then once I got. there the pre-approval after you got. kicked out and then after I got kicked. out I moved here to Texas and I started. go from from Kansas City okay and I. started going to school online and. that's where the intermittent job thing.

kept happening yeah but you borrowed so. much money so how long were you in. school um between 2007 and I finished my. masters in. 2011 I experienced three periods of. unemployment during that. time yeah but the amount of money you. borrowed to live I don't think you were. living on your minimums your needs you. were living high and I had had to pay. utilities no we know based on how you. live right now were you blamed your rent. at the beginning no I was not doing door.

Dash then door Dash didn't exist then. this is 200 a restaurant still existed. before door I wasn't eating out I was. eating hot dogs I'm not lying I can't. believe there's no way you borrowed. 273,000 to live for No No 5 years no. no it accumulates I kept deferring. you're right you took it. 193,000 there's no way you borrowed 193. ,000 without living above your. means and now you're just hurting. yourself even more because again yeah.

you're not you're you're not doing. anything and you're allowing interest to. acrw and you've taken it from 193 to 273. why ruin your life with this I just. don't it's 100% your. choice at least get you could at least. try to get on something like the save. plan I am on the safe plan oh you're on. the safe plan now yes bad news it's. getting challenged dramatically in court. I know but like right now now payments. are on hold until they work that out. what was your payment your monthly.

payment it's like 2,000 something yeah. once you're in the save plan oh I'm. sorry in the save plan it was 255 I. think. okay again I've lost all ability to. react. but that be. wild Instant Cash Bridget huh Bridget. what are you doing what do you mean what. are you doing what am I doing with. Bridget what are you doing with Bridget. um who's your gal Bridget getting it.

it's it's like Dave or um can we borrow. against your paycheck yeah it's a crutch. and I need to stop using it well you're. just you know payday borrowing your. constantly robbing from Peter to pay. Paul robbing from Peter to. pay what's it what's this called again. Bridget uhhuh. it's okay Dave's a. to okay you ow.

$133. wonderful oh boy yeah you're just pay. day in constantly yeah it's a crutch is. that it is that all the debt is that all. the debt or is there any more debt is. there any more debt for us to S through. together I think that's it okay the fact. is what's kind of interesting is I'm. almost like if your situation was that. bad if the vast majority of that debt. was like Consumer Debt i' would be like. okay. just go bankrupt at that point it's. student loans that's not going to be. forgiven through bankruptcy it might be.

worth looking into like a a debt payback. plan thing like through relief app what. is that might check that out uh I can. get you connected with them they have. some debt repayment uh negotiations and. strategies okay but it's going to just. depend on your you know working with. them so I can get you connected with. that cuz that I don't know this is the. death situations is really scary that oh. no what's your 401k loan you do have. debt what is it I don't recall I think. it's on the St it should be on my P Subs.

usually have retirement at the end of. the stack and your stack be. thick $105. 61 uh oh no no no no no that's your. vested balance but you owe 9,185 so you. have $1,000 in. retirement they only let you borrow half. that 10,000 is what I is my vested. balance uh what's the interest is what I. owe um three something per I see it's 3%.

interest that's it I believe so H it's. actually not horrendous but but still. not good I get that no I don't need. caffeine producers I've just lost all. hope and joy and existence I'm not tired. I'm. dead $8 in our checking. account one of them okay okay wow um. have you ever opened your phone and not. clicked on the Amazon.

App elderly cat I've been trying to. figure out before I put him down can I. see your order history on my phone again. you're not a reliable narrator so I need. to see yes okay I have to go get it is. that you can go get it. okay. um okay fabric. softener I don't even know what that. is yarn. like. eyeballs evil eye can I I'm going to. screen record okay sure so you can send.

it to us uh sponges citric acid baking. soda bath salts cleaning salt salt salt. salt salt salt salt salt new clothes cuz. you lost weight. mhm more salt salt for days plastic. plates maybe you just do dishes instead. plastic plates are paper plates they're. luxury they're plastic coated but I. don't think you can are you sure those. sorry um no I I apologize it was free. well or grainfree wet cat food liable.

things okay look like uh psea fed were. you ill sinus headaches new underwear. cat foods cat things. Greenies how old was uh your cat um he. was 16 that's. incredible he only wanted. water I think we can all you know just. um just I me that's horribly sad his. sister is 12 so I'm trying to she seems.

to be okay at the moment but I think. she's figured out that her brother is no. longer around I'm a little that's sad. I'm a little nervous of the I mean you. get a lot of household things in here. and the clothes I understand what. happened with your clothes but again you. just can't you can't afford a lot of. this stuff right now well maybe we're. getting a couple new pair but you're. buying new clothes like every day not. every day it was pretty damn close cuzz. you this say Amazon Amazon Amazon Amazon. Amazon Amazon Amazon Amazon Amazon.

Amazon Amazon Amazon Amazon Amazon with. underwear if you buy under because. that's what I was buying I'll be. transparent okay well that that was one. of the purchases no I saw more than. underwear no there was underwear on. there a couple of times this particular. dress actually was supposed to be for a. date but anyway underwear you can't. return that if it doesn't fit it's a. health hazard so it's trying to find the. right size and sometimes things are not. made in the United States and you're. just kind of stuck but there was more. than underwear in there I know that but. I'm did you end up going on the.

date no so we paid but I wear the dress. here it's not a date $100 went out. through zel what's. repca oh I'm just going to zoom this is. Amazon Apple bills door Dash Uber trip. we not surprise more door Dash okay $900. in here in this checking account thank. you for having at least a few hundred do. in this one uh Uber shocker Netflix. dating.

coach I was. lonely no I get it I am. scared I do have the. fear uh can I say this can I say that no. no you seem like someone who gets. insulted easily um um well that insulted. you um sorry I'm just very blunt and. open with my thoughts um just say what's. on your. mind I fear to be.

you I. think scares me like so I get it I get. where you're coming from okay and that's. like one reason why it's just like you. know I I'm kind of afraid of also being. single when I'm older okay fair but a. dating coach what what what are they. doing what are they doing they were. trying to help me navigate um finding a. meaningful and actual relationship did. they help you meet people.

though sometimes why did you not go on. the date the other day um I chickened. out why I don't know that's on you why. it is on me I felt like maybe like I. wasn't going to meet his expectations or. something like oh don't think that this. whole like weight loss thing has really. been a complete mind for me and like my. confidence is like way off really yeah. and you're going to therapy you said yes. I am I am. uh you look great you look great um no. get out there uh there's uh.

um one of my producers went to one I was. supposed to go but I bailed at the last. minute I decided not to because scary uh. but a few months ago he went. to a a speed dating thing speed dating. thing yeah I saw that the age maximum. was. 45 is there 45 to like 55 year old ones. I didn't see that or 35 to 55 didn't see. it I mean I'll I'll get back out there. but I want to get my financial my. financial together first and then well I. agree but also this is going to take a.

long time so I want you you're like I. think you can go on dates as well hinge. no you doing hinge life no Tinder Bumble. Tinder for. kicks. match.com hell. no. uh I can't get Facebook dating back. Farmers Only You know what I wanted to. date a farmer for the eggs. for the EG for the. eggs oh yes see must have chickens that.

produce eggs the three $3 yeah okay yeah. I mean you could have got about I know. 27 dozen eggs for the amount of money I. spent on door Dash I no no. no amount of money you spent on The. Dating coach you could have got four. dozen eggs yeah it it ended up not being. really good so I no I mean I think it's. just more probably try to just get out. there a little more I'm not the person. to be able to give good advice on our. budgeting program which is provably the. best that can be taken anywhere online. is now bundled with our investing.

program where you can get $100 in cash. gifted into your momu account this is. literally the best education you can. take in your life right now to turn. around your financial life or take where. you are and make your life even better. these are bundled together for a limited. time for 15% off check them out links in. the description below lots of Amazon. lots of Amazon zel well actually I I I. go on a decent amount of dates I just I. I guess I haven't been like relationship. well okay it's not a competition I don't.

know what this conversation is it's just. free flowing go with it I'm take the. vibe My Vibe is dead no don't say that. that makes me feel bad oh no no no like. cuz I cuz I it implies that I killed it. so no no you're you're you're pleasant. when you're not talking about finances. okay um I think right. look you have a nice laugh like look at. that every everyone no that doesn't make. sense I was going to tell everyone to.

ask you out but that that's a that. that's a horrible thing please don't. don't do that don't do that that's why. people use fake names. anyway what what is happening spiritual. Society. yes what we're in Mercury retrograde. right now oh my you're delusional no. these are plan are important planetary. alignments are important think about it. there was CES over thousands of years. that changes when was the last time. there was an earthquake in New. York I don't you can't think of one you.

can't think of the same you can't think. of the last time there was an earthquake. in New York immediately after a blizzard. I don't live in New York so I don't. track that no okay that aside there is. stuff happening it it behooves all of us. to pay attention to what's going on I'm. not saying you got to invest in it like. I did but I want to understand my birth. chart and I want to understand what. triggers my moods and what like that. doesn't it doesn't cuz you've consulted. huh you've consulted someone that does. that why would I consult no I like.

science it is science. Bas yeah it gets peer- reviewed and goes. through the whole scientific method and. there's a scientific theory based on all. that let's let's let's just agree to. disagree there's there's a whole country. this a whole country does it and what. country is that India oh great they. don't have a GDP per capita even we. close to the United States so I don't. give a [ __ ] India does people there live. a long time okay registered earthquakes. in New York October 28th 2022 February. 16th 2023 April 5th 2024 June 28th 2024.

July 31st 2024 that's New York let me. get New York City don't forget there was. a tsunami as well as in New York City no. not in. tsunam that happens I'm saying Earth. been happening in the last 6 months. that's all I'm saying you shouldn't have. access to the internet because you like. that been happening since the planets. existed not not no we just hear about it. more because we have access to all the. information happening at once no I I.

disagree I don't know how you disagree. but the fact that you gave me hope for a. second by the discipline of Lo losing. weight but you live in complete dulu. land of the world I mean so I've now. lost hope again I it's not it's not to. insult you but no I'm not taking it. planetary movements and starst. you about the Stars the pattern of the. stars do you care about that astrology. you know our solar system with the way.

it's traveling a 100,000 years ago the. star patterns in the sky looked looked. different than they are now not. completely different but different so. it's the whole structure of uh the St oh. what's it called uh the solar system no. not the solar system just how the night. sky looks in our lives is completely. different than it is hundreds of. thousands of years apart yeah that. system's complete [ __ ].

no you got to believe in something dude. no you don't well I do you don't have to. I choose to okay no that's fine that's. fine you can but you don't have to I do. but you don't have to okay you can exist. without believing in anything there are. people that do that well I I'm sure. everyone believes in things what do you. mean believe in anything I don't even. know what you're talking about h. oh Amazon Amazon Amazon asky door Dash. I'm going to.

just Amazon Amazon Amazon Amazon door. Das him and hers what are you getting. through hims and hers I get finess DDE. to prevent myself going bald oh what's. up what what minoxidil I know I know I. asked where but I don't want to know uh. door Dash Fiverr Fiverr who are you. Ferring people to help with the. nonprofit that never did anything oh boy. that's very recent cash app HBO Max. can't afford it Amazon oh.

no oh no spiritual Society more that. it's also that it's just draining your. money that you don't have door Dash like. a million billion times on here and Uber. in and just Kindle and Alexa skills and. a million more door dashes in Amazon a. million more door dashes $25 in your. business checking account thriving $60. in cash app oh good it's four more door. dashes and cashing app out into someone.

else know Michigan doesn't have. earthquakes either but when I was there. we had an earthquake once I'm just. saying it seems like this year and we're. not even at last five recorded. earthquakes in New York City or July 1st. July 31st 2024 April 5th 20124 February. 16th 2023 August 14th 2022 March 20th. 2021 so so they happen they're small. scale but they're registered so you know. we had one in Texas like last month yes.

did you feel it here no I did okay just. saying there's things happening and she. pay. attention that's all I'm saying but if. you don't live in the real world how are. we going to like I just okay let's not. focus on that I don't know it it's hard. for me to move Beyond someone being. delusional. okay I mean you spend double you make so. this is also like do you feel that do. you feel no you didn't cuz you thought. you spent exactly what you.

made yeah I'm still trying to add that. up in my mind cuz it Doesn't if I didn't. have it here's your spending categories. you can look over these spreadsheets. it's exactly what you spent your money. on here you go do I even do a budget man. I people hate it when I don't but like. you don't know what it's like to be here. this is insane I want to can't say I. want to die but I want to die okay so. three. gosh I wonder how much of this episode's. going to be cut I'm curious $850 minimum. mon debt payments you know again for.

your income technically you can afford. it do you don't owe money on your car. the title. [Music]. loan $460 a. month I know just half your T what's. your rent again $2,000 including all. utilities no it includes cable pet rent. water trash and internet what do you say. 2,000 no I see 1,693. oh that was because it it just went up. my lease. renewed that much you just allowed that.

you didn't threaten to leave they don't. give a sh yes they do no they really. don't I forced them to fix my apartment. oh my gosh yeah buddy I have a lot of. friends apartment jumping absolutely you. can Austin has Austin Austin well yes. you yourself but you could have gotten. better rents likely in that same unit. cuz Austin has an actual decent supply. of housing right now we had the biggest. apartment boom in the United. States because they fixed zoning.

laws they're going to try to get as much. money as possible and you just allowed. them to you didn't play the game so. 2,000. mhm utilities on. average I pay for electric it's about. 200 on average mhm cell phone it just. went up um because I um I've got home. internet is a redundancy because. Spectrum was out for like 8 hours and I. worked from home so that's that can't.

happen again how much is your phone bill. oh I'm so sorry um phone bill is now. 240 oh someone prepare my office. news I need to walk in there. and make sure I never film one of these. again $300 for. groceries $100 for TP fund anything else. you need to survive TP yep it's anything.

else you need to survive stands for. toilet paper fund it's like you get your. toilet paper but you also get your. makeup you get whatever else you need. gas V room drive drive how much monthly. basis 20 to 50 50 car insurance oh I pay. that in full every six months how much. every six months. 920. 153 co- pays anything like that therapy. what's your Co how much do you have to. spend on just medical stuff on a monthly. basis.

200. Jim no do you have pet insurance I do. not have pet insurance highly recommend. it might be hard with your cat's age. though yeah that's why I don't have but. next time how much for cat food on a. monthly basis 60. bucks and no subscriptions that's. cancelled okay anything else you need to. that I haven't uh we haven't talked. about no.

okay you have no excuse no. excuse you've just completely done this. yourself you make. $535 68 cents a month congratulations. your necessary to live is. $415 58 c a month. okay you know I'll give you fun money of. even 200 no fun plus business whatever. $200 boom you have $1,000 left on a. monthly basis. okay buddy it's nothing are you student.

Lo in there huh did you count my student. loans in there well we don't know when. those payments are going to start when. they do start your fund gets to zero and. you still have $1,000 left over okay. essentially but either. way I have the one main the the the the. the the the title loan that's what's. really killing it but the all the other. debts except for the student. loans just want to give you an idea of. what you when you do the sacrifice which.

you're only willing to do for 6 months. which makes this entire conversation. hopeless that kind of threw me over the. edge remember because I know it's going. to take plus. Bridget. okay. [Applause]. so totally worth it. buddy literally just under two years in. all of your debt besides your student. loans in 401k no your 401k will probably. because that comes out of your paycheck. yes so I when is that projected to be. paid off I think three four years.

something like that okay whatever do. that it's a 3% don't do it again but um. literally under two years and. everything's gone except for your. student loans your life has changed in. two years okay I can do two years you. can do two years I can do two years and. I'm giving $200 of fund spending too you. could probably make it. even uh a year and a half really really. if you really wanted to you can make it. a year and a half but again this is also. depend I'm if you start you know pumping.

this up with a ton of money to make the. dream and I I I I cheer for the dream. but we're just not doing it on Credit. One you know but if you're spending a. lot on this you extend it to maybe three. years or something you know it really. depends okay um so but you're retirement. you are going to be playing the catch-up. game at least 25% on a yearly basis of. your income but that's fine you still. have 25% to spend on. fun the fact is with how bad you've put.

your situation in because your income is. so incredible and it can be better and. will get it better if it does you cut. this down even more dramatically but. even still two years of sacrifices. nothing you're right nothing so you're. willing to do more than six months I am. willing to well again I gave you a fund. budget so it's not even yeah it was just. what what I was not willing to do was. not have anything at all what does that. mean not have anything like no you can't. have a pizza no you can't you know go to.

Vegas for your. birthday okay I'm done that that was. that was an exaggeration I'm just saying. like I'm not but if if you're saying if. you're saying with this budget that. you've created for me if I just. discipline myself and I follow this. budget then I will have credit cards. will be paid off and eliminated even. though I'm going to take a hit on my. credit but okay we'll do we'll do what. you say I know how to follow. instructions mostly so I I will do what. you tell me to do I will do that I hope.

so I hope so because it's recorded I. will do what you tell me Well we have a. follow-up channel for you to come on and. prove it so please do we'll hold you. accountable but I mean don't do it for. me this is literally your life well yeah. I want to do I want to be better like I. don't want to go into here I'm going to. cry I I don't want to go into like. another um bad situation I don't I don't. want to I want you to be where I have to. to be dependent upon like hey can I get. 20 bucks so I can get gas you like I I. don't want to do I don't want that to be. my life you know and I don't I'm already.

behind way way behind the curve when it. comes to retirement and I'm going to. have to figure out how to move to bise. to. retire yeah because I can't afford to. retire in this country you've got this. mathematically now you just need to put. in the effort and financial scores. spending your budget zero out of 10 uh. because you over spent by double that. you have collections so 0 out of 10 and. a 401k l so yeah emergency fund is. non-existent 0 out of 10. retirement going to give it a one out of.

10 for getting started but that 401k. takes it all the way down real estate. zero out of 10 and financial score 0.5. out of 10 in the post show we're going. to talk what what was it called Bongo. no the word you said you saido and I it. made me think of bingo bingo man we're. going to talk about that don't delete. that don't delete that that there's. something there's something about eggs. we're going to talk about as well that's. about to that they've done the math a. lot of egg math we're going to talk.

about a lot a lot of things with you in. the post show. so here we go make sure to join us for. the Post show everyone with the links in. the description below today on the. financial audit post show what did this. last guy want I think he just wanted. somewhere to live for free I was just. like existing around each other I hated. him the energy in the house was Heavy. what did he do to piss you off so he. would say things to me like I really. prefer when you don't talk oh jeez is he. going to get in trouble with the divorce.

process and stuff for being undocumented. I genuinely don't care I but but is he. going to he better hope ice can find him. before I do oh gosh jeez to watch the. financial audit post show click the join. button below.