Ignorant Wife Divorces Wimpy Cuck | Financial Audit

$410.98. minimum monthly payment? That's. something. And I didn't know about this card until. after we got married. Why? I didn't tell her about it. Why? I don't know. I just didn't. That's irresponsible and rude and. selfish as. Hi, my name is Sarah and I'm 22. Hi, my name is Joe and I'm 25. We are. based out of Lubbock, Texas. And this is Financial Audit. Welcome over to Austin, Texas. You guys are You guys are married. Yes. Yes. For now. I am uh well, Okay, well, never mind.

I was just going to say, I'm over here. like not married, 29, like okay, whatever. And what? We. Well, this is for now means we're. Planning to get divorced. Yes. Yeah. We haven't filed. We haven't filed. and you're getting a divorce? Yes. Yeah. It's. a lot. work out, it it doesn't work out and. When did you guys get married? A year ago. Uh January of '23. How was that even 15. Wait, what? Oh.

Is it funny or is it like dramatic? A. year in a marriage? How long were you. guys dating before that? A year. No, we were dating for a year, engaged. for a year, and then married for a year. Yeah. Yeah. And we'll be getting divorced soon. Probably next three-ish months. Yeah. Something like that. What the. So, what are we do What are we doing? So, we both have trauma. Some pretty bad. trauma. Him with his parents and how he. was raised and me with um an ex. And we.

jumped into our relationship. What are we doing here? I mean, we're going to therapy back at. home. But for fin- He's talking about. financially. Oh. Uh he screwed up my finances and so. we're here to get it fixed. What did you do? Why? I basically I'm laughing about it, but. I basically made her use her uh. emergency funds and stuff for a car. And his spending habits. And yeah, my spending habits. Well, a might be an emergency. What do. you mean made? What What does that mean?

broke down. I bought a used car and the. car broke down literally like 6 months. later. we got into. Well, that's a fair use of an emergency. fund, right? Cuz you guys were married. at the time? No. No, we were engaged. Okay. Well, it's approaching that. situation, but he didn't. Okay. So, we got into a car wreck. And uh it was pretty bad and 9 months. later we finally got payment from the. insurance company because it was a. county vehicle that hit us. Oh, gosh. And so, we used. a little bit of that money.

um some money from his dad and my. savings to buy him a new car, which then. well, a used car. I forget what it was. It was a. something. And um it broke down 6 months. after he bought it. Engine just. completely died. There's no replacing. it. Okay. Okay. That can I mean, that can be an. emergency. Um. We're immediately. saying that it's his spending habits and. stuff like that. The car thing is car. thing. His spending habits If it's his.

spending habits, what have we done over. the course of this last year to even. address and talk about it? You guys are so young. This is crazy. Yeah, we yeah. getting ancient. Okay. Go ahead. Why? What What have you done to address. the spending habits? What's happened? We both have Well, I feel like I've. probably made her bad habit with a lot. of like spending as well because for me. I got bad habits just because I used to. work at a prison like 6 years ago, something like that. And.

I was making good money and then I was. just blowing money and then after I left. the prison uh I just kept the bad. habits. And then I guess once getting. into a relationship with her and. everything. I basically made She was trying her best. to help me out. I didn't help out in any with the. financial stuff and I would just blow. money. Yeah. Well, at least you're self-aware. Why. not Why haven't you tried to do anything. to repair? You're a year into this and. marriage is supposed to be a lifetime. thing. That's usually what marriage is. intended for. financial stuff that's causing the.

separation. Okay, so fine fine fine fine fine. Sorry. This is took me for a spin at the. beginning, so let's just let's just. figure it out. Just for context for. everyone watching. Mhm. Why are you guys getting divorced? We're honestly two different people. We've realized that over the year of. being married. That sounds like every human in the. world, two different people. Congratulations. Well, We're not compatible anymore. We're not compatible. going through therapy right now and. realizing that. um.

we were trying to make what we thought. the other person wanted instead of being. who we actually are. and. we don't like each other anymore. See, I think really the issue is is just. that. our trauma really from our past and. everything really just affected the way. we ran into the relationship, to be. honest. Like she said, we rushed into. it. It I I explained it to my therapist this. way. It was We started dating. I. we got engaged and I was like having.

doubts kind of, like should we get. married? Should this be happening? And I. kept putting this invisible finish line. in front of me, like oh, once we get. married it'll be fine. Oh, 6 months in. it'll be fine. Oh, a year in it'll be. fine. And you just keep pushing back this line. of it'll get better and it never did. Our marriage was. What don't you like about each other? I think mostly for her it's just For me, I don't like. you say what you don't like. You say. what you don't like. For me, I don't really like Don't speak. for each other. He's He's incredibly emotional.

And I'm not. Okay. My issue with emotional part is that I. can't really deal with the fact with my. mom's situation and everything. It I I. would just grew up with two girls 24/7. at home. biggest thing I think is that he's a. crier and I'm not. For me, for her it's just like she can. be very. bossy and very. uh. controlling in some ways and it can get. a little bit annoying. So. You guys are recognizing your own flaws, so I mean.

Are you a crier? I am a crier, but I don't like being. called out on it. Uh so, it cuz I know. I'm emotional. It's just. come to a point where it's like it. happens so often that instead of. consoling him, I roll my eyes. Here we go again. Does that seem emotionally supportive? I used to try to be that. I used to be. like, "Oh man, I can't do that. That's. not nice. I need to be there and support. him.". What are you crying about? Uh everything. isn't This isn't finances right now. What do you cry about and then we'll.

move on? Honestly, it's just. dealing with. life, honestly. I guess being out of out. of the house from not depending on my. mom. from his parents' house to living with. me. Living with her and it I think I wasn't. prepared for that mentally just because. of the situation with my mom. Uh being an adult. I really depended on. my mom a lot cuz I got I was. homeschooled, so I was. When you How long have you guys lived. together? You're 25. Two and a half, 3 years. So, you lived at home until 22, 23?

Okay. Yeah. Yeah. Till 23. So, I mean I. depended on my mom a lot and also with. the fact that. it was just me, mom, and my sister since. my dad had left cuz it was a whole. situation with him cheating and. everything, but yeah. Who wanted to come on here? Me. She really did mostly. Okay, what are we on here for? I feel like we're in a hole that is. constantly. no where. We're in a hole, okay, but. a hole. We're not where? We're not mentally we're not anymore, so. like what are we trying to do then?

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always want my money to be making more. money, so don't lose money on yours. We're just trying to get to the point. where we can actually financially be. okay separate as well, and then. somebody to light a fire under his ass. to help me with the finances and the. spending and. It doesn't matter. You guys aren't going. to be together in 3 months. What do what. do what does it matter what he's doing? Well, cuz I'm if I leave if we leave. each other and I get into a good place. and he doesn't, I'm going to feel. horrible. Like I want to make sure that.

he. She has some emotions. She does. She can. Whatever she feels. like it. All right. Well, let's see what the. finances look like. Also, I want to know Give give me a win. Give me a positive financial win that. you've experienced this year. Also, be. nice to them in the comments below. Only. I'm allowed to be Caleb Springer, not. you. You're the nice ones. Be nice. They're. brave enough to come on. You're not. So what does the household finances look. like today? And then how do these debts. and finances start splitting up as we.

start to split up? Uh right now we live in a three-bedroom. house with a roommate. So it'll be split three ways. Um. You're going to continue living. together? Yeah. Yeah. Just in separate rooms. Is that not going to be weird? Probably for a first while, to be. honest. I mean. Why don't you Why don't you guys like. moving out? Cuz we just got into the house. this house. So yeah. When was the When when when did we. decide we're divorcing? Literally a month after.

No, like the same time that we moved. into the house. And the third friend. that we have living with us really. needed a place to stay and had nobody. else that he could move in with. So. She kind of dropped the bomb on me. in a year when the lease is done? I. Honestly, we haven't really thought that. far yet. Right now. I would like to stay in the house. I kind of like that house, too, but at. the same time I don't know. I don't know where we're going to go. from there. to each other, so I think it's. I think it's fine if we stay living. together, you know. We're civil. Very civil. what about like dating other people? Won't it get like awkward and stuff?

That I'm probably not going to get into. that until later until I actually get. out of therapy personally. So. Yeah. Out of therapy? Is there ever out of? We're both going to take time to. be. fix ourselves before jumping into. anything. married? Cuz we. Because we thought we really loved each. other. Yeah. And I was my It was literally my first. around each other? Yeah. Yeah, I mean we like each other. than we do now. Honestly, she was my first for like. everything. I've never been in a. relationship or anything, so. Congratulations on your skills.

Thanks. Why are you guys both so like smiling. and happy? Cuz uh from the language and. the conversation we're using, it doesn't. sound like we are, but you just you're. you're both so like. We've had the the sad mopey days. They're over now. I For me, it's more of like I have a. I would call I call it a bad habit of. being able to hide my emotions just. because of past trauma with. burst in tears at any moment, but I'm. I've had my like.

days and nights of crying and. I'm done. I'm over it. I I'm just I'm just a baby, honestly, whenever it comes to stuff emotions. I'm. very. Nothing wrong with crying. I have to be careful. Like I feel like I. get too emotional a lot, honestly. Well, being emotional is okay as long as. we before we come and make like a major. decision, we come back to our rational. side of it. That's my issue. I don't especially. financially wise in my emotions, I kind. of make bad decisions. And by just trying to just make myself. happy with buying random stuff.

All right. I'm going to say 3-2-1 go. On go, you're. going to give me the household financial. score. 0 to 10, 0 being the worst, 10 being the. best. 3 2 1. 0. 3. All right. If you want your Hammer. Financial score free in the description. below. So, you think it's a lot worse than he. thinks. You think it's closer to. average, he thinks it's the most dog. eating. dog it can ever be. So, we have a card. Who is on this card?

Which one? This is the Slate Edge. That is my card. Okay, so we do have these separate? He has access to my credit card. He's. one of the authorized users. Authorized. Okay. card. And I'm an authorized user on my. card. user. Yeah. I made her an authorized user after I. got the card. All right, that should be fine. I don't know if that means we share the. debt. Being an authorized user, you. it shouldn't. It shouldn't.

But if you co-signed. and you got on it together, that's where. you would be real lying on the person. our credit cards before we got together. Yeah. So, for you. Slate Edge. Mr. Joe. $2,178.16. There is interest accruing. That's the. craziest amount by any means. There's a. $40 minimum monthly payment. I needed to know. Okay, there's always. so much context that needs to be. gathered. What do you do for a living?

I work as a health unit coordinator, which is basically just a front desk. person at a hospital. What do you make a year? Uh. If I calculate it correctly, it's like. Well. What do you make a month? What do you. What comes in on a monthly basis? He just started full time. full time, so technically. He's been working part time for a couple. of years. before it was probably around like 1,400. What's your best guess for now? What's your hourly? Hourly, uh it's. $13.75. $13.75 and how are you going to survive? She just what? Well, cuz like I am calculating for like.

the cuz we have overnight pay and then. also weekend pay which I work the. weekend. So it's. Overnight pay is an an extra dollar. It's like a dollar or 50 and then. weekend is like another 75 cents. So yeah, so it's like 16. How many hours a week do you. Huh? Now he works 40. Now it's work 40, but I work Yeah, my. hourly is $16 an hour. And then. What? You just said 1375. He he. That's base pay. 1375 is base pay. And then. a dollar for overnights which he does.

He works overnights. Overnights. I work overnights. Overnights. We only work overnights. And. then on the weekend nights he makes an. extra 75 cents on top of that. Okay, well you didn't okay. More or less. Do you know anything about. your own finances? No, because I've actually based it off. of her. Yeah. I try to involve him as much as. possible. I just don't think he retains. any of the information. Uh. I. That's also partially why I'm going to. therapy cuz I disassociate a lot. Well, okay, but.

you just haven't. I I'm very bad with. I'm just afraid how you're going to. survive. Yes, you'll be in the same. house together for years, so you can ask. questions, but. Well, part of it is that he he doesn't. know how to respond quickly. His brain. has to take a minute to. He could probably come up with the. numbers, but he just have to sit there. for a minute and think about it. Whereas. I'm instantly know. She knows more numbers than I do. I I. just that's another thing where I. depended on her a lot. financially wise. Well, listen, knowing more numbers than. the other person, that's fine, but at. least know how much you making at your. job.

And like the most minimum thing. $31,720. if everything's on the weekend, but so. I'm guessing it's closer to like. $29,000 a year. Yeah. $2,416. a month, so let's call it like. Your tax bracket's incredibly low. $2,000. or $2,100 a month. Let's say $2,100 a. month. And you, what do you make? The same. We have the same job. Oh.

Same place? Same place. I got her in before. I got her in before we actually talked. about the situation. at a fast-food place that we both worked. at. Um got married, and then he went to go. work at the hospital, and I followed. shortly after. Is why you guys hate each other? You. don't have a second apart from each. other. Make sense. Yeah, we were always together. That we. were always together, so I guess that. makes sense. Which was nice for a while when you're. in the the honeymoon phase, and then. And then it sucks. and so does the love with it.

Oh, really sucks that neither of you. really make that much on a yearly basis. Combined, we start getting closer to the. median household income in the United. States, but single, we're certainly. quite far from it. And you went, instead. of paying off your card on something. that's accruing interest, you go and. purchase $81.96. of things. You DoorDash your Taco Bell. Just go. pick it up. It's hilarious. It's. accruing interest. It's hilarious. for that one. Your what? I was at work. I DoorDashed it to work.

Didn't they not have anything there? They have a little. not know how to pack a sandwich like a. big boy? We're. I don't like making food. I don't. That's hardly making. I don't make I'm not the one I'm not. really the one that does food-wise. It's. usually our roommate now, so. like makes food. cook. I don't cook. Listen, making a sandwich isn't cooking. It's taking out a piece of bread, taking. out a piece of meat, and putting on the. bread. I I'm lazy. Okay, there it is. So, how are you Do.

you even Are you going to get out of the. debt? I know I'm digging on on you, but. that's only cuz we're only talking about. your finance. Now, we're going to get to. yours, but. a lazy Lazy's not going to get you. anywhere. So, what What is your plan? Do. you even care about this? She's the one. that wanted to come on the show. Do you. give a this? I do. I don't really show as much. interest in it cuz like I. I mean, I've always hated math and any. kind of numbers just irritate me cuz. it's like it's especially finance-wise. I Again, me being emotional, I don't. like seeing the bad debt, so I kind of.

just ignore it. Do you want to do this? I do. I just. Oh, okay. I don't like being Again, I don't like. being called out on my. being yelled at. Well, isn't it isn't it important to be. called out on your if you're just. I'm learning around your I'm learning. that. But, yeah, okay. We get it. Sorry. You know, something you've told me 20. million times. We know. Have you just been coddled your entire. life, I'm curious? Yeah, cuz I was homeschooled with my mom. and my sister 24/7. Yeah. I never. And how's your relationship with them?

Cut off my mom. Um narcissistic and. recently cut off her cut her off. actually cuz it was just the whole. situation with that. You guys' lives are wild. Okay. My sister is in Florida. I really I. mean, we're okay, I guess. I reduced. really don't talk just cuz she's in. Florida. I'm here in Texas, so. I feel like you're the ultimate person. that needs to be called out on their If. you've never been called out on your. life and that it affects you that way If. it affects you that way, then I think. you need to accept the reality. That caused a lot of problems in our.

relationship. I'm slowly learning that, but it still. does get to me. all the time and it's always met with. defensiveness and excuses and. so on and so forth. Yeah, I I'm emotional. I'm dramatic, but. I don't like being called out. Okay, and. I Chris Xbox subscription, TikTok. marketplace. Who the uses that? Okay, we both actually use that. I've used it like once. Lies. You've gotten a few things. You.

got like two or three things a while. back. What is Market Street? Cuz you guys go. there and get like $2 purchases. endlessly. It's like a Market Street? Yeah. Yeah, Market Street is like a grocery. store. $2. I think that was like. account and on the credit card. Yeah, like like you're going in there getting. like a Monster Energy or something, like. some taquito but. I don't even remember that. said the thing. He said the thing. Oh. Yeah, I said the thing. Okay, City Diamond Preferred. Who's.

that? His is mine as well. Oh, sorry, buddy. You get to get bullied. for a little longer. Yep. I didn't know whose was whose when I put. them in order. So, you're just getting. the luck. $6,969.72. That's some. I didn't. With your income, that's some. $410.98. minimum payment? That's some.

And I didn't know about this card until. after we got married. Yeah. Why? I didn't tell her about it. Why? I don't know. I just didn't. and rude and selfish as. I d- I didn't think about it. Honestly, I'm I was stupid enough not to tell her. What did you think when that when this. came to light? How did this come to. light? It was not uh that high. I think it was. just at 6,000 when I saw it. Only? No, it was less. But you guys' income that's. ridiculous. It was less. It was actually. less, but I think I saw it when after we.

combined our checking account and then. he had to make the $400 payment and I. said, "What is that going for? My credit. card?" And then he finally gave me. access to all of his credit cards to. look at them and I saw it. That was probably like a month or two. into being married. Yeah, she didn't know about it the whole. time we were engaged and. By the way, who said let's get divorced? She's the one that brought it up. People younger than me have already. gotten married and divorced. Great. We're not happy about it. It just. It's not a good thing. It's just.

No, it's not. $171 of interest is also. not a good thing. But then But then. instead of paying off the card instead. of paying off the card, the balance went. up. The balance went up because of the. interest and you went and purchased. Yeah. I. I have bad spending habits and I've I. know. Why if you know that, why have you not. addressed them in any way whatsoever? Again, I don't like being called out on. I don't give a. I don't like it and it pisses me off and. I'm like, okay, I get it. I know. I'm. bad. Then do something. Why haven't you done. anything? Because I don't like.

dealing with drama and. No. No, no, no. Regardless of any. conversation here, regardless of any. conversation within yourself, that's not. drama if you say, "Oh, Mary, I spent too. much money. Let me not do that anymore.". Is that drama? No, that's just you being. a adult. Sorry, I know I'm going hard. I know I'm. going hard. I just want to know why you. have not adjusted this in any way. knowing your own issues regardless of. what anyone else has said. Is it to. spite people for calling you out? I guess honestly I.

just want to spite. my life because someone called me out on. in my life. It's really unintentional spite honestly. and I don't I don't know. I just I do it. unintentionally even though I know I'm. doing it. I'm I don't know. Whatever that ADHD thing is where it's. like, "Hey, can you go do the dishes?". Well, now I'm not going to go do them. It's basically that, but I use that as. an excuse. You're just not making any progress on. this. I'm not. I'm really not. Apple subscription, there's some. taquitos and Colu, Chick-fil-A,

Sudsy Springs. What's UMCP King's Park URG. car wash? I usually try to use coins, but I ran. out of coins. You take the coins, put them in your. bank account and pay off your debt. What. is this. Amarc educational thing? Amarc? Oh, that's a vending machine. Oh, I always forget about that. It comes.

up like that. That's how it works. $500. We're only a couple months into. this year and $500 of interest has. accrued on this card so far. You're. destroying your life out of spite for. others. You're destroying your life. You're spitting your future. I mean, honestly, everybody to me. sometimes, but I have those moods so I. get like that. But then I also realize that it's bad to. have that thought, to have that kind of. mindset.

Yeah. Over your life because others. called you out for your life is being an. immature child. Yeah. That's what a child does, not an adult. Not a 25-year-old adult. If you think you're a child, then. If you think. If you're too much of a child to take. care of your own you're too much of a. child to drive. You're too much of a. child to be able to go live on your own. You're too much of a child to be able to. have a job because you wouldn't be able. to mentally comprehend the place that. you're in cuz jobs have a lot of drama, have a lot of work, have a lot of things. that are urgent and stresses. If you're.

too much of a child to even accept that. uh-oh, my life is not the best, maybe I. should do something about it, but. because someone told me it's bad, I'm. going to do the opposite, then you're. too much of a child to exist in this. world. But what the stupidest thing is. like for me, I. I'm better at work. I'll do my job. I'm. perfect at my job. I get, you know, people they love me working there and. everything, but outside of work, everything else, no. I don't know why. I. just that's how it been. that's how it's been with me the whole.

time. Well, your life so you better start. taking care of it. And then the Wells. Fargo Autograph Visa Signature Card, whose is this? That one's mine. You're supposed to. exclamation marks on it already. Yeah. You're supposed to be the good one, aren't you? But you're over the you're. over the balance. You're over the limit. Not anymore. I made a payment. You were at the time of this so I don't. get This means that you did at one. point, which means you are not a credit. card person. It's as easy as that, simple as that. Doesn't matter if you. fix that now. You did that recently,

last month, couple weeks ago. Couple. weeks ago. So, after I gave him my emergency fund to. buy his new car, I then had to go and. fix my car, which was $2,500. Because it was. The mechanic said if I didn't fix it and. if I hit a pothole too hard, I was going. to completely destroy my car. So, I had. to replace the arms for all four tires. for a second opinion? No, I went to the family mechanic, the. trusted family. one of our. Well, we had a friend who. So, yes, the the trusted.

uh friend is the one that was the second. opinion. Yeah. Oh. He I mean, he worked. He looked at it, he picked he put it on. the lift, looked at it, and he agreed it. was the same thing, yeah. Okay. Why didn't you not have an. emergency fund? I was. never really like, I guess, taught to like have like an emergency. fund. I was just taught to really just. save, but whenever it came to spending, I just didn't care. Let me teach you something real quick. What? Have an emergency fund. I've heard that a lot recently.

know what it was until. I didn't know what that I've never. really Yeah. We learn it at some point. You guys are. on the younger side, so. not going to. She's known it for years, which is. With her, it's she's known it forever, so that's what kind of pissed me off, too. What? That she's known like how to have that. and I didn't. I It's more pissed off at. my. Whoa, calm down. Oh. Oh, okay. It's more pissed off at my parents, not. her. They See, I took that a different way. Do they do they know about emergency. funds? They don't do emergency funds. They just. Well, they just sound like they're dumb.

when it comes to basic personal. finances. So, it's like. They really. I don't know if we should be angry at. that. This is where it is. Some people come from disadvantages, some people come from advantages. I went. to I you know, I lived in a nice. community. I was very much so on the. low-income side of the community. I. think it's a you know, a lot of people. had nicer clothes, nicer cars, all that. good stuff. Not me. That doesn't make me. sit there angry. I get my together and live my.

better life. Fair enough. You over the credit limit? So, this was for the emergency. Yes, but there was some automatic. payments on there that I forgot about. Forgot about thousand dollars worth. almost? It's not a thousand dollars over. Almost? No, no, no, no, no. You said it. was 2,500, but this is sitting at 3,233. at the time of the statement. So, those. automatic payments that I forgot about. were like 700 800 dollars? That's probably not everything. Yeah. So, I don't think we're the.

responsible one. Numbers don't lie. I got to call people. out when they have sat there the entire. time as the high and mighty. So, enjoy this part. Yeah, she's not perfect. 3,233. dollars, 20 cents over the credit limit. 83 dollar minimum monthly payment, interest charge 50 bucks. Oh, we still purchased. We still. purchased.

a Microsoft subscription. and Crunch Fitness. It's the gym that we don't use. I'm good with the gym membership, but I. saw a much more expensive charge from. Crunch Fitness on the checking account. So, this is almost like a vending. machine or something. It was on the It was on the credit card. and it got canceled for some reason, so. they were charging the interest for not. paying it. So, I went to uh restart the membership. and that was a bigger charge. That issue was the fact like we tried.

actually talk to them about it, but they. were just like giving us the runaround. until she actually went in. and talked to them. That was the other gym. Oh, was that? Yeah. Oh, god. Oh, damn. This one my card got locked. because there was a suspicious charge, so it didn't go through. That or we were above the credit. So a lot of this credit card according. to you was building up cuz you had to. put a thing on it. Mhm. Uh car expense. You had to use your. emergency fund, which wasn't a fully. funded emergency. How much was it? How. much was it? It was $2,000. Okay, so you did not have an emergency.

fund. You had like the building blocks. of an emergency fund. Yeah, it was um. My parents taught me to have a $1,000. emergency fund and. Well, your parents are stupid then. I think that's Well, they have a. thousand per person in their household. stupidest thing I've ever heard in my. life. And then I've heard like 6 months' worth. of your income. Okay. Thousand What is anyone going to do with. $1,000 these days? new tires or fix a broken leg. I wouldn't think about the broken leg. Dude, medical things are everywhere. It's going to depend on your insurance. Yeah, but. hospital you go to. Are you in network.

or you out of network? That's not even. close to true. Tire? Sure. Is that the. only emergency that exists in this. world? No. Not even close. I think you've been I. think you've been through a couple. recently, have we not? Yeah. Yeah. They were a little more than $1,000. Yeah, they were. So that's the stupidest. That more I know I'm being a little. harsh, but that's more for you people. listening out there. $1,000. It's not going to cover. I mean, honestly with. So you had to drain your $2,000, which. is basically nothing. How do you feel. about that? For someone else's emergency. Now.

someone that you were going to get. married to, but. I didn't feel that bad at the time. because I know that he needed it. He's a. a car person, so not having a car. kind of broke him a little bit and he. was really upset about it. I used to have a Camaro 2018 Camaro. before and it got totaled. Um. Camaro? That was the whole thing with me being a. car like not having a car. I did not. like having a car. So. You have no. money. You don't get to be a car person. It would have been fine if that car had.

lasted him a long time, but then it died. 6 months later. months later. And so his parents convinced him. convinced him to go buy a brand new car. That's what pissed me off. What? He bought a used car with my savings and. some money from his dad and the money. from the that we got from the insurance. It broke down 6 months after he bought. it. So, we just used all of our savings. So, What savings? My $2,000. For a new car? No, for the used car. For the used car. I thought you said you.

got a new car. Well, this is after the total. That the used car broke down. 6 months after getting it. And then he went and bought a brand new. car. With what? Uh. Nothing. Nothing. You have a car debt? I have Well, now I have a car debt. car payment in there. There's a car payment in the checking. account, yeah. It should be. Oh, you didn't tell me the statement for. the car, did you? I did. No. What's this? What's this? Oh, it's this. Yeah, it's this. That's the Yeah.

Did send it, Caleb. I got you. You're good. No, yeah, I. So, you get? What car? The first car that I got that broke down. 6. no, no. What do you have now? What uh. it is a 2022 Chevy Spark. It was the cheapest one that I could. actually find that didn't have a high. payment. So, basically, my mom mostly my mom was. really big with the finances in their. relationship and my mom in his. relationship and she was always the one. like, you know, she would find out it. would Her thing was to finance new car,

always have a new car cuz it won't break. down, you have um. basically, you have insurance on it and. stuff and you have like. to have insurance on car regardless. It's like um. Warranty? Warranty. You have to. a certain amount or like miles. typically. Well, I mean, we didn't usually take our. cars out a lot. I mean, yeah, we travel, but usually we get. We pay off uh well, my dad's job paid. for a lot of our trips, so we didn't. have to worry about cars, like spending. a lot of money on cars, but we still buy. new cars. Uh and. Well, that's really how we I lived life.

We'd always buy a new car with my Like, if we wanted to get a new car, we'd. either. main thing was you buy the newest car so. that. It won't get. get old and break down. For how long though? When do you buy. then the newest car after the newest. car? new cars. Be really worried. You just said they're poor. They make it as we. Cars make Americans poor the way they go. about it and using that kind of language. that you've talked about. It's not surprising. Yeah, that's just really how and I. honestly kind of thought that you know,

it's easier to get a new car to be able. to take care of it cuz. at least you have the warranty and at. least it's not. we butt heads the most. What? I the thought of buying a new car and. having to make a payment on it just. Do you have a payment on a car? Nope. What's your car? It's a 2006 Chevy Trailblazer. That thing is a piece of Well, how many. how many miles is on it? 200 something. And you just had to pump $2,000 into it. Yeah. Makes me a little bit nervous. That's one thing I've told her. Is that what's the value of that car.

today? You just pumped a lot of money. into it. have no idea. I bought it. $2,500 in a car that might not be worth. It It got somebody hit and ran my car in. the parking lot and so they totaled it. out technically and that came out. of insurance did you have on this? Uh. It was your dad's I think. I don't know, basic coverage. Okay. But it they they totaled it all out to. just over 5,000 which is twice as much. as I bought it for so. But she got it from a hand-me-down and. it's like I said, it's a piece of. It's not.

You might need it. What what do you. mean? like a piece of piece of but it it runs. fantastically. I. And I I doubt I doubt it's going to get. me to 300,000 miles. I have no doubt. 200. Uh 230,000. Okay. I doubt that but. He doubts that. He's the car guy. He's not that big of a car guy. Okay. He thinks he knows a lot about cars but. That thing sounds like crap. Turning it. on it sounds squealy. not a Kia. It sounds like it's squealy. a Kia and it broke down after 6 months.

so. Okay, I made a mistake with the Kia, okay? Your car sounds like it squeals. It. sounds like it's going to break and. stuff. That's the air conditioner. As long as. the motor runs and it's functioning, it's fine. See, that's one thing I don't really. agree with that. care if it's ugly and sounds bad. If. it's going to get me from point A to. point B without having to spend a bunch. of extra money. If it sounds like crap, I don't trust it. cuz I it worries it worries me. Well, that's just you. You're being too. particular. Cuz I don't want it to just randomly.

break down like the Kia did, which that. was shocking. an emergency fund so that you can fix. it. But anyway, All right. Yeah, yeah, yeah, yeah. What was the. medical debt? That is my emergency room trip. That was a I think that was. Didn't you just say $1,000. would cure a broken leg, but you owe. $1,091.52. to. for what? Um I at my old job, I passed out in the. bathroom.

Um my manager left me there in the. bathroom while I was having a panic. attack. I called uh Joe right before I. passed out. And then he found me in the women's. bathroom on the floor and I had to go to. the emergency room just to get checked. out cuz he wanted to take me. And that's. why I quit that job because my manager. as he was dragging me out of. pass out, you it's okay to go to the. emergency room. Yeah, as I was he was you know, helping. me to the car, my manager was like, "So, you're not going to come back to for. your shift tonight, are you?" No. like a terrible boss and I would try to.

uh I'll find another job. I did. We did. Well, she did. Okay. hospital with him. Looks like you're on a $65 monthly. payment plan potentially. Uh yeah. Okay. me forever. Is there any interest on. this? No. Okay, so that's your debt, that's your. debt and then the first two were yours. and this must be the car. Mhm. What's the interest rate on this? Six something, 6.something last I. checked. I have to ask you if that's correct cuz. he doesn't have his numbers. It's his car, so I don't know.

You guys are married. I have it under a different bank account. that I used to use a lot, and she. doesn't have access to that. He He bought it through his. Did you Are you on this debt? No. No, she's not. His father co-signed. It's my It's technically me and my. father. Gosh, you guys are children. Okay. Um. Cuz did you He bought it technically. before we were married, so. Yeah. Oh. I Yeah, I We bought it like. in '22 and we got married in '23. Okay. Car car Joe Joe car.

that thing. Looks like we have $16,207.33. a balance. Uh it's the loan payoff. Minimum monthly. payment. daily interest is $3. What's the minimum. monthly payment? It's a $326. $326, yeah. See, oh, that plus a PenCity. Diamond Card of $410. Man, that is a third of your in. That is a third of your income.

I really shouldn't have. And that's before he started working. full-time. Started working full-time. So, most of. that money was. Did your dad support this? Cuz he agreed with the you should buy a. new car. He Both him and my mom have the same. idea. Mostly my mom, but my dad also. just agrees with like getting a new car. it's easier to take care of instead of. having to worry about an older car. That. was the whole reason why I really got. it, which I kind of was against it. his parents. He got it to make them. I did, yeah. Okay. I did do it to. appease my parents. Just so that they would stop yelling at. him. Again, I don't like drama.

I'm. a mama's boy, basically. Well, you guys just had some. drama here a few minutes ago. What are What are all of these? Personal Personal loans. To who? Or from who? Um. Who owes? Who Okay. Family friend. You guys are. together on these? Yes. On that fam- Why How we borrow $1,200. from a family friend? Well, they own a furniture store. And. we're paying them back for the furniture. instead of doing it. a minimum monthly? No.

Mhm. We're just paying them as we can. Whatever our credit card balance is, so. I doubt we are. And money owed to. father-in-law. Who's the father-in-law? Your father or his father? Mine. His father. What did we borrow $800 for? That was for bills. We couldn't Our our old apartment. screwed us over and made us pay, which I. know technically they're legally allowed. to do, I guess. We moved out on the. 12th, but they still charged us for the. entire month. What did the What did the lease say? We looked through it and couldn't find. anywhere where it. find I don't like we couldn't find it. anything. I don't know where.

But they're also trying to charge us a. bunch of fees um on top They're trying. to charge us $800 for touch-up paint. So, we're not getting our deposit back, but we're fighting with them on that. right now. Okay. But um they made us pay for an entire. month, and then we had to pay for the. new month at the new place, and then. also like all the installation fees on. the electric and. Uh it's called moving. Yeah. So, we weren't financially. prepared to move, but we did it anyway. Then we probably don't move. Oh my gosh. Oh my gosh, for wedding you.

still owe $5,000 for your wedding and. we're getting a divorce. That was a gift from my parents. Well, then why does it say you owe? Well, we're getting divorced a year. after we got married, so I kind of feel. obligated to pay them back. I It's probably not They would probably. tell me not to. Then if they say not to If they say not. to, then don't. But ask. Also, Okay. I'm crossing that off for now. Who gets. to keep the furniture? Probably me. Probably her. I really. Why? I'm keeping the bed.

Well, cuz we bought a new bed. We bought a new bed, and then table. Well, the table is not really for like. it's for all of three of us. Hey, if he wants to pay me for it when. he moves if he if he ever moves out if. he wants to pay me for it, I'm. Can't believe this. How much did you. guys spend on your wedding? Um 7 to 8,000. It was It was a. Batman-themed wedding. Her idea? This thing was set up for success since. the beginning. As we were getting, you know, ready to. get married and all that crap, we were. trying to think of something to do as. like the ceremonial type thing.

Um, like instead of like tying the knot or. pouring sand into a jar, I decided that. we were going to write letters to each. other, like saying like why we love each. other and restating our vows, basically. And then we got a bottle of wine and we. took the letters and the bottle of wine, put them into a box, and during our. wedding ceremony, we nailed the box. shut. And the whole thing was whenever. we got into our first fight, we would. pry the box open, read the letters to. each other, and drink the wine. pried it open on your wedding night, probably. Um, a month after we got married.

No, it was like a few weeks, like 2. weeks. He was having uh. doubts that I actually loved him, which ended in a screaming match and me. busting the box open to throw the letter. at him. She basically almost threw the box at. me, too, cuz she was pissed. Why do you think she doesn't love you? I'm an emotional wreck whenever I was an. emotional wreck at the time. I. I don't even remember what started that. He was just basically crying like, "Why. do you love me? I'm a mess." And I was. like, It had to probably do something with my. mom cuz my mom was always on my ass.

about and just like complaining if. I didn't do this this way, and I would. always just feel like, "Oh, I have to. make her happy." And it was always an. issue. It's all in respect to his mother. It was an issue. I don't know. Why you say it like that? Cuz it's He makes it sound that way. hate my mom. in a certain way. I've never hated as many people as you. guys hate. Just his mom. life. It's mostly my mom. So, it's I don't know the way. I shouldn't say I hate. I shouldn't say. I hate. It's just she is.

I hate her. Oh. That. Okay, I mean, fair, but at the same. you like absolute. then I'm going to hate her. But at the same time, it's. Technically it's not your fault. But. And. Yeah, that was the same thing, too, is. he would never let me be a part of his. him and his mom's relationship. It was. always let me deal with my mom. Let me. deal with her because he was afraid that. if I stepped up and said something to.

her that it was going to destroy their. relationship. Coming from a Mexican family, you want. your wife to be chill with your in-laws. Apparently, she didn't like me anyway, even though I've never seen her do. anything. You told me she didn't like me. That's was after everything was going. on. Like after like the whole situation. of me realizing that she's a narcissist. and everything. So once you started acting differently. towards her, then. Basically, that's whenever she changed. Then she started blaming me for you. growing up a little bit. I assume the Mexican family didn't like. you cuz you found salt spicy, but.

I love salt. She loves salt. She's a little whiny. baby on spicy. Pepper, no. Salt, fantastic. She's a whiny baby with spicy. Okay. And then finally, the checking account. Oh, never mind. Nope, we've snap financed the appliance. That was for the washer dryer. What's the minimum on that? Uh it automatically takes $131 out of. every paycheck. So. 262 a month. Oh my gosh, what's the.

interest rate? If I pay it off by May 7th, which I'm. trying to do, there's no interest. If I. don't pay it off by 262 a month, or is. that the balance? Was that the purchase. price or balance? I I've made a payment since that. statement. Change much. 185193. I'm not even I'm not even going to write. that down. What started Is this a combined. checking? Is this all of our checking?

Oh, good. We started with $10. No, we. had to borrow money and we're going into. debt and we have a higher credit large. card balance than. is the max limit. I thought we ended with $1,200, but we. started with $10. You kidding me? That's also kind of why I didn't want to. merge bank accounts before we actually. got married, either, cuz this We merged. before we got married. If we didn't, you would be in the red. But at the same time, like this is also. why I didn't want to, cuz then it would. have messed with you. But, you know. I'm going to put a wall between you two.

We're Zelling out money. We're Zelling. out money top flight Nora's Mexican. Microsoft some Oh, $800 cash deposit. Where did that come from? That was the $800 from father-in-law. From my dad. And the Zell payments. just recently. The 44 50-something Zell payment is to. my dad for my phone, and then the $5 to. my dad for my YouTube Premium. Crunch McDonald's potential taquitos. Microsoft. taquitos taquitos ATM withdrawal $250.

There's the appliance payment and then. Taco Villa. Woodmar Capital. Dairy. That was the old apartment. Oh, yeah. Dairy Queen more Microsoft what We're. spending a lot with Microsoft. Coca-Cola. Spotify you can listen to ads where. we're trying to get out of debt and we. can't afford to pay our bills and we. have to borrow money from our parents. Google domains doesn't really make. sense. Who has a domain and why do. For what? It's for my graphic arts business that. I'm trying to start. I'm still.

I'm freelancing. school for graphic arts design or. graphic design. That is bug FT lemon in paradise. McDonald's Sonic McDonald's Adobe. subscription Ollie's Bargain. There's another other Snap Finance. payment and a Venmo payment of $50 out. So, we disagree on everything, but we. love to spend money we don't have. That's the one thing we can agree on, huh? Mhm. Basically.

I know it's another interruption, but. you can get $5,000 by listening to the. end of this. Right now, if you transfer. your portfolio to Moomoo, which I. personally use for my individual stock. picks, you can get up to $5,000. It's. literally free money and an amazing. investment platform, and it's what I. personally use. So, check it out in the. description below. I highly recommend. it. First of all, that phone bill. too much. $20 a month, Helium. Switch. Then your guys' incomes are also too low. on an individual basis. Uh if it's a. going to how combined household income. we can we can do things with that, but.

it's very difficult. So, if you guys are. looking to get into tech, I can gift you. with a tech certification through Course. Careers. Just let me know. There's a lot of. There's a lot of good things I can set. you up with. What? Ooh. The spending. Okay. So, of the income that came in for the. household this doesn't matter cuz like. what are we doing going forward? Total income that came in. Luckily for the hou-. uh for the combined household, you. actually brought in a little more.

Uh uh 5,500, but we spent 4,894. First time in a while that people spent. less than came in. However, you're. spending 43.5% with the housing or. $2,130.32. Debt payments were 7.3% of your spending. or $557.32. Transportation 5.6% of your spending or. $373.83. Necessary food, also known as the. grocery stores, 5.2% or $207.40. The food going out to eat 4.8% higher.

than the grocery stores or $233.16. Unknown shopping, typically Amazon, Walmart. We just don't know what was got. there. 4.9% or $241.02. Medical healthcare or gym, $51.41. Subscriptions, 1.5% or $71.38. Miscellaneous BS, stopping and getting. them Doritos, getting them drinks, but. 2.7% or $133.95. Other large purchases that don't fit in. a category 22.4%.

or $1,094.58. And those large purchases were. ATM withdrawals was a big one. The. Lubbock Discount, uh, storage unit or. realty. Which one? Lubbock Discount. Oh gosh, guys, it was $400. Come on. Was it ATM withdrawal? I don't know. It said it's called. Lubbock Discount. No, ATM withdrawal was. ATM withdrawal. Lubbock Discount. That was the. $400. And it was a lot of money as well.

What am I budgeting for? What am I. budgeting for? What is anything? You guys aren't. together anymore, so like what am I. budgeting for? Who am I budgeting for? What are we doing? Well, okay, where do. you want this conversation to go from. here? What can I do to help? I think we just want to get out of debt. We just want to get out of debt to where. Individually? Individually, yeah. Prob- yeah. Okay. We're going to put you through our. budgeting program. Make sure you take. it, it's the best that's ever been. created anywhere. Uh, take it Take it. No, take it individually. We're.

obviously going to give this to both of. you. Take it, it'll create a concrete. budget, but we can create a temporary. budget for now. This is more cuz it. takes really hours and hours to build a. true concrete budget for the first time, but we're going to do a idea of a. budget. When you go through the program, you're going to actually figure out how. to stick to a budget and make one. Sarah. with about $2,400 a month. Your debt minimum monthly payments.

are not much. $148. What's your portion of rent. individually? Individually be, um, $498. That is ridiculously cheap. I love it. And water, gas, electric? Uh, gas. We've only got one payment so far, but. individually it'd be. $32. And. water? Water would be. Oh, we haven't gotten that full one yet. Cuz it's still tied to our electric. We'll say 10. Renter's insurance?

That's what I thought. The renewal fee is about to come out and. it's 140, but a year. It's Yeah, it's. 140 a year. Okay, we'll put it as a little 12. And internet? 20. Gas on an average monthly basis, drive, drive, room, room? Gas? 120. And no car payment, car insurance? Yes, we're combined right now. Um if we. split it down. Yeah. If we split it down the middle, it would. be.

It's 378 together, so. It'd be like 180, 185. 189. Toilet paper fun. Giving you a 75 bucks. Anything else you need to survive. Necessary food. How does that food work. in this household? How is it planned to. work? And yes, you're actually going to. cook like a big boy for the first time. in your life. Congratulations. And same. with you, like a big girl. You're going. to cook. Okay, I will. Woohoo. In her defense, her and our roommate. actually is the one that does the. cooking. I just do the dishes. Congratulations. You Well, I mean. So, what How does the food work at this.

house? Um we just split groceries, whatever we. need for the house. All right, you're allowed to contribute. up to $300. Same with you. No more. Okay. So, you can continue doing it that way, but you're contributing. We're not going. out to eat. Subscriptions. What was your phone total? Uh. 45 or something. Okay. We'll do 45. Okay, anything else you need in life? Your gym, are you going to continue.

paying for it? How much? dollars. And anything medical? Um. besides the medical debt, oh, uh. prescriptions probably like. $30 every 3 months. 10, okay. All righty, anything else? I think that's everything. Enjoy it while you have it cuz yeah, you. basically have an extra 900 bucks left. in a monthly basis, which is awesome. So, you need 1,471. to exist.

That is your minimum to exist, meaning. you have an extra. $929 left in a monthly basis. First month, $929 set aside. Second. month, the remaining 500 whatever, 70. bucks or so, is set aside to get you to. that 1,471. Then everything else. is thrown at the Wells Fargo actually. It's larger. We're going We're going to. avalanche cuz there's no interest on the. medical. So, it's going to take So,

after that first month and then second. half of first sec- first half of the. second month, it's going to take an. additional. half month and then 3 months on top of. that. So, it's going to take 5 months total. The Wells Fargo card is killed. Medical. And then, you have a 1-month emergency. fund. Then medical debt is killed 1. month after that. So, 6 months and then. you're going to save up uh. um. 1,200 * 2. Oops. Oh, you're going to save up $10,000 for. your emergency fund,

which you already have at that point. $1,471. in there. Divide that by the $950 you. have left in a monthly basis at that. point and then it's going to take. another 9 months. So, I say this is a. year you're in a quarter. You're in a. quarter process, that's not bad. So, maybe by the close close to the time. that you guys either move out or. continue to stay there, you'll be debt. free and you have a fully funded. emergency fund. Sounds fantastic. Congratulations. I assume a lot of your numbers are going. to be the same, but let's go through. that. Income certainly is.

Yeah. 2,400. Rent is the same, I'm assuming. Yes. So, that is 498. And utilities are split the same way? Yes, split the same way. Good. And your car gas, monthly? Monthly, it's like 80 bucks. And car insurance is split down the. middle? 189. 189. $300 is what you're allowed to. contribute to food, $75 for your toilet. paper, to find anything else you need to.

survive in life. Gym, are you going to do that? Same. thing? Yes. Go to the same job, live in the same. house, go to the same gym. Prescriptions? Prescriptions? Before I I'm about to switch, but before. it was like at least 40 bucks for my. medication. Okay. For 3 months. A month? 3 months. A month? 3 months. Yeah, my bad. For 3 months. Oh, it's okay. All right, so 13 bucks. Subscriptions? Phone total? That is.

50. 50. 50. Mhm. 50. Now, let's get your debt minimum. monthly payments. These are the ones. that suck cuz you're the one that's been. bullied by the world of debt. That's my own doing. Yes. Yeah, you're not going to have as much. wiggle room. $776.98. It's actually kind of fun seeing people. in some of those situations, but the one. that has more debt, you have to see what. they have to do to get out of the. situation cuz it takes you a year and a. quarter, but what is it going to take.

you? Let us find out. Okay. So, in order for you to survive, $2,073.98. on a monthly basis, leaving you with. $326.02. on a monthly basis. So, obviously, and then uh. and then your debt Your debt has a. substantially higher balances, too. I. mean, just being conservative, let's. just call it being conservative a. 1-month emergency fund plus the 12-month.

plus uh getting to the 6-month emergency. fund after that, which is 12,000. Well, you wouldn't need that. No, your. one Your emergency fund is going to be. similar to hers once you have it paid. off. So, 10,000. So, okay, 10,000 and. then. I'm just trying to figure out what the. whole process is. So, one month. emergency fund, then also. the two credit cards. plus the uh getting to the $10,000 for. your fully funded emergency fund, you. need a total of $35,355.41. Now, this is without interest accruing,

but it's also without paying off any of. the debt, which gets rid of minimum. monthly payments. So, it's going to meet. in the middle again. The budgeting. program's going to be much more concise, but we don't have that kind of time. 6. hours. It's going to take you 108. months. Or 9 years. Which obviously is not uh. great. So, you have the other side of. the issue cuz you got yourself in a lot. of debt and you would not have the. combined household income to take care. of this. You haven't gotten yourself in as much.

debt. You could take care of it in a. year and a quarter. Yours is going to. take almost a decade. You need to add a. an additional 20 to 30% to your hours. Can you do that at your job? Can he do. that? They allow. Yeah, we allow They allow overtime. Almost endless? Yeah. Yeah. Okay. 20 to 30% extra. You need to bring that gap to where. you're bringing it where you have an. extra $299 $229 like she has. So, you. need to make up an additional about 500. bucks. You make up that extra 500 bucks. on a monthly basis and you're both out. of this at the same time. And then you.

can finally just. fly off, live your own lives. Well, that's where we're at in terms of. getting out of debt. And then there's the whole investment. situation, which How much do you have. invested at 22? Nothing. How much do you have invested at 25? Some. Extra cuz that's old. Yeah, you don't want to lose the best. decade of your compound life uh growth. in your life. You won't lose as much. time. Mhm. as long as you just continue what you're. doing. You need to increase your But. you've already lost time. Then we're.

contributing to uh whatever retirement. plans we have at work and then we're. also. yep and then we're maxing out our Roth. IRAs and if you have anything individual. you can even do. you can start throwing things in like. individual brokerages and things like. Moomoo that I use and that's where it. gets fun and we can have the. conversation about that at the time. Um that's what it's going to take. What. do we think? What do we think? That's. a lot better than what I was calculating. for myself. I thought it was going to take me like. three plus years but I don't think I was.

being as strict as you are in the. budgeting area. Why? I don't know. I. It's probably the subscriptions part. Probably. That probably is some of it. I don't know. I also budgeted myself. less money for groceries for some. reason. Well, you guys have a unique situation. I said up to $300. That's what you. capped yourself. You again you're going. to go through the program and you're. going to detail everything. If we did. that here, we'd be taking all day and no. one has time for that. So you if again. when I I it takes a year and a quarter.

to do this. If you have a little bit of. fun money in there and it extends it to. a year and a half and that gives you a. higher chance of actually making it all. the way there versus falling off in a. year and a quarter. that's fine. You just don't have room for fun. If you do, you're working even more, okay? You you can make something work. It's. small. It's like 100 bucks a month but. if that's what gets you there. that's what gets you there. What do you think? Kind of what I expected to be honest. I. wasn't I'm not too shocked about how.

long it's going to take us but that does. I am going to have to pick up more. more hours to be honest. Do some more. make some more money. Well, since you guys are a household. right now, we're going to give a. household financial score. But when you're separated, then we'll do. the individual. But for spending in a. budget, certainly wasn't the worst but damn you. were spending money when you were over a. credit card balance. It really is going. to weigh it down so I'm actually going. to bring it down to a two out of 10. That again combined as a household with. the income situation, the car's a bit. much. It is quite difficult. That city.

diamond's pretty crazy. We're going to. call it a three out of 10. Not good, but. definitely not the worst by any means. But again, over the credit card balance, so I got to bring it down a little. Uh, because of that I have to bring it down. to a two. That sucks. Emergency fund, well, right now there's nothing. We know. that. Retirement, there's nothing. Uh-oh. Real estate, there's nothing. Uh-oh. And our financial score for the. household right now, one out of 10. Make. sure to check out all the resources. linked in the description below. They're. what I use or would use in specific. situations, including the best budgeting. program in the history of the world. Now, stick around for the financial.

audit post show. Today on the financial audit post show. I did say he's a little short. How tall are you? 5'3". I mean, you still got 3 in on her, which. is huge. Yeah, but I've got 50 lb on him, so. He He can't even donate plasma. He. doesn't weigh enough. Bulk him up. My Our roommate's actually trying to do. that. Or hit the treadmill. I don't know. Pick. which one. One to get smaller, one gets. bigger. To watch the financial audit post show, click the join button below.