Mail-Order Bride Hates Her New Husband | Financial Audit

who the f is buying ball pythons him I. was like don't do it he did it this is. our marriage and you didn't give a you. spend a lot ofing money oning snakes you. made a bad decision I can tell you here. I can tell you in the house I don't. care all of our education is bundled. together for 15% off with a 30-day money. back guarantee go to Caleb hammer.com. bundle or click the link in the. description or pin comment below hi my. name is Tessa and I'm 22 years old hi my. name is James I'm 22 years old we're.

both from Dallas and this is financial. audit thanks for coming down to Austin. guys so we'll start with you this is. married couple right yes guys are young. wow me all right near on 30 I'm making. me a bit nervous kind of had to marry. cuz oh is there a baby involved no no no. no not yet so we apply for a K1 Visa I'm. not from here I'm Mexican was this a. 90-day fiance type situation pretty much. it actually yeah what the what but no we.

don't have a show we didn't we were. thinking about it but we didn't when did. you guys get married uh like I literally. had no idea okay October 18th okay so. just got married essentially yes but we. have three years together. already November 21 is when we first met. are you marrying for good reasons yeah. no yeah we met through Instagram because. of my best friend they studied together. and we start a relationship this is not.

a gold digger that's what my mom-in-law. thought but no it's not I swear to God. okay what do you do for a living I can't. not work cuz the government say I can't. but I I used to I I have my career yeah. what was your career uh international. relations um yeah I'm like custom what's. the plan to get into work uh Logistics. okay yeah what's the. timeline whenever I have my Green Card.

yeah how. long we don't know it could be 6 months. a year two it's kind of a long story. into that because we have to pay for the. process to begin and for our legal team. that's going to cost about 3500 3500. okay and okay and you guys have that up. to your eyeball so obviously that would. be kind of all right I guess we probably. need to hear the story here pretty soon. but what do you do for olivan uh so I'm. a order selector for a cooler company.

our major clients are sprouts so. basically what we do is we what do you. make I make uh 2350 an hour an hour can. you support both of you guys on this how. many hours a week do you work about 40. I'm coming off the busy season so yeah. we were I was working about 50 hours a. week over the past three months right. now I'm working about 35 to 40 assuming. paid time off on everything talking. $4,000 essentially a month before taxes. hits your account monthly Uh current.

currently with the 40 hours of week it's. about. 2,800 okay two people 2800 Dallas we're. stretching it well no you're deing yeah. not stretching let's not think of. ourselves I was making it yeah true what. was the intention then. behind what was our plan then with. income you guys getting married and. everything what was our plan what did we. discuss what was the hope so eventually.

what we were planning on doing was. getting her into her career field. because with her Logistics background. she what do you do for the next two. years just work towards getting back up. in current honestly that's that's the. main goal is getting out of the hole. that I dug myself in now my wife into oh. this is all you pretty much so you. didn't bring any debt to this table uh. International or anything not really 300. bucks. okay what's your rent uh 1320.

1320 99 so we're looking almost half. about half the income yeah 1320 99. yes okay yeah it's not the lightest. Sprint okay so what happened you guys. said story story story go ahead this is. your time so we really didn't have like. a timeline we applied for this visa on. August 202nd 20 yeah 22 23 August 23 and. we didn't know if we were going to get. approve like quick and you guys actually.

do like each other yes yeah you do love. each other we do love each other okay. just want to make sure cuz I mean you. said like the 90-day fiance so you got. to you got to clarify with some of these. things but yeah no for sure we we had. enough information between us in the. government to be like you know what. seems pretty legit they ask you for like. letters from your family from your. friends that actually is a legit. relationship so yes we passed that and. we're we love each other I love him.

okay sure why you didn't say that you. love me too I love you I'm sorry I'm my. thr little dry. okay okay I was in high school I was a. junior in high school I met. her best friend growing up in a passing. period so she uh she was a grade older. than me so we never actually like had. classes together but what ended up. happening was we met during the State. Testing I don't know if you're familiar. no so if you State Testing yeah so if.

you pass through all of your like your. STAR testing stuff like that then this. is all Texas okay yeah yeah sorry so you. get put into a passing period to where. like all the other kids that actually. have to take the test they will go into. a holding room and that's where I met. her best friend we were playing Uno. together and she and I was kind of just. sitting in the corner I was more I was. more of like a loner I didn't really. want to talk to anybody and she was like. hey come play UNO it was like a group of. six of us and then we kind of talked and. you definitely look like a guy that says. in the corner oh thank you. I try I try yeah I mean I got out of my.

shelf for the most part but yeah in that. in that time it you seemed cool you seem. Co we talked she ended up going back to. Mexico and then she told her about me. and then that's kind of how we started. talking it's not what it happened so she. posted a story on Instagram close. friends and she was like um I'm looking. for somebody who wants boyfriends I was. like oh well okay I'm looking for. someone who wants boyfriend yeah like if. you want a relationship right like if. you want a boyfriend from United States.

oh Caleb hammer.com apply that's how you. become my girlfriend looking for them. now looking for wife so I just reply and. she was like oh I was actually thinking. about you okay all right okay well this. is just this is just lovey-dovey. backstory that's fine yeah I'm just I. don't really care about that no offense. care more about the money why are you in. debt what is going on your financial. security could be at risk and you don't. even know it here's the Scoop back in. the 2024 national public data breach. over 2.9 billion records were exposed.

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personal data is exposed so head to. ora.com hammer or check out the link in. the description below thanks to Ora for. sponsoring today's video let's get back. into it so I'm a little bit of a failed. entrepreneur I guess you could say so I. growing up I always had the idea of like. I'm going to make generational wealth. I'm going to make it to where my kids my. grandkids they don't have to worry about. money okay as much yeah that was that. was the goal ultimately so I got out of. high school uh throughout High School I.

was working 9 to 5 40 hours a week while. I was doing full-time school okay and I. was in track so I always but. [Applause]. entrepreneurial so I went and I was just. looking for originally I wanted to start. doing car. detailing almost every time on the show. this has happened so many times on the. show car detailing the people that want. to have their own businesses is. immediately what they go into I mean I. feel like a lot of the YouTube holes you. kind of go into they're like oh become. Your Own Boss make $500 a day kind of.

thing so I see I more see you 3D. printing AR-15s but oh yeah I mean. there's money in that too yeah there's a. lot of money in that i' I actually. watched a couple podcasts on that but. we'll. disregard go on Mr Car Wash I eventually. ended up going into more of like a hey. how about pressure washing because I've. seen that I could do the auto another. one it's another one that constantly. happens you go down the you go down the. rabbit holes the little self. entrepreneur the side hustle make $500 a. day kind of thing so I I seen that and I.

was like yeah you know I see a lot of. upside to this there's a lot of people. obviously in DFW I mean over the past. four years I think it's basically Forex. in the population between people that. are moving from California Illinois. stuff like that so I uh I seen that I. was like oh yeah there's a lot of people. that are going to want their houses. clean since they're older and they're. getting bought up by these richer people. so I went into it I invested I got a I. got a loan for a loan why' you go loan I. didn't have the capital at the time I. what did you need I needed well I needed.

to buy a pressure washer at first yeah. what's the money amount what did you. need uh how much is a pressure washer so. I kind of how much was a pressure washer. okay the pressure washer was about a. thousand that I you could have cash. flowed a thousand so I yeah you could. have saved up and grind a little I had. so I had the money at the time the are. you talking about I couldn't fund it so. it was it was kind of a a weird tell him. it's not one pressure washer so I do. have multiple pressure washers now today.

tell him that you don't use them tell. him okay I don't think she likes the. pressure washers no well she just. doesn't like the fact that they're not. being used the way that they should be. how are they being used they're not. being used he B something from Facebook. market place and said that it was new. okay he hasn't used it since he got what. a pressure washer yeah a big ass how. many pressure washers are you buy so I. have two pressure washers I have one. that's smaller it's a I mean people that. know pressure washer it's four gallon. per you still trying this thing yes well.

no you're not you're not using not. currently yeah. because I mean I'm trying it I'm trying. it but I just but you're not using them. so you're I'm using currently yeah so. fck you talking about. okay so I have the pressure washers I. did a lot of preempted buying I took the. loan money I did a lot of preempted. buying how much did you borrow I. borrowed well I got a I got a proved for. a credit card for 10,000 wasn't even. like a small business loan or a personal. loanit C it was it was a credit card. 10,000 okay what did you put on this.

10,000 credit card uh the 10,000 so they. had a they had a deal oh 10,000 they had. they had a deal where if you spend. 10,000 within the first three months. they'll give you a $1,000 reimbursement. which if you're doing some credit card. turning can be good if you pay it off if. I had if I had the in anti anticipation. I was planning on being able to pay it. off within the first six months. obviously it didn't work out that way. but I thought that with my work ethic I. would be able to turn over 10,000 easy. and especially with all the YouTube why. what is so confident in this every.

single person that goes down these. rabbit holes like you and it is not bad. to have a side hustle it is not bad to. be entrepreneurial but every single. person that goes down these rabbit holes. are just beyond beyond confident that. they are going to make so much money. they don't even think about the now. they're just like I'm going to make it. it's going to happen get on theing grind. [Music]. set got to yeah you're grind set has led. to just endless death yeah that was I.

mean yeah the hindsight of it was was. obviously horrible but I I jumped into. it with good intentions and I still do. have good intentions good intention. you're you're washing off dirt I mean. okay well I guess that's a noble thing. but yeah I mean well obviously people. want to get their houses cleaned yeah. there's also a thousand other pressure. washers what's your business strategy. that makes you unique yeah being a. little bit cheaper more available yeah. being a little bit cheaper more. available that was kind of think other. people aren't available you think the.

price Market out there isn't competitive. it is pretty competitive I I thought. that it wasn't as competitive as it. actually is but then I Ed the rest of it. to get into window cleaning as well and. that is actually what I've seen most of. my Roi from gosh okay so I do the water. window what income can I calculate for. all this well it's not really it's not. really a set thing okay what do you. think about this cuz I see you just. sitting there just like she's just kind. of stewing on it yeah what do you think. about this whole thing I mean I help him. doing it I I see future Windows yeah I.

see future but there's a couple he. doesn't have the time to do it like he. works what from you just don't work. Thursday and Saturday yeah I'm on. Thursday Saturdays I work five days a. week and you are not doing it. so she's not working on it why is why. why why why why yeah why I was working. so much that I didn't have time for her. necessarily oh you guys are in the. honeymoon stage anyway you could do. anything and it doesn't matter but I. mean it it just okay well what's your. your thought on that that was it too.

much it was okay then what then then. what you want him to. go he got home and he was just like not. doing anything just sleeping I was beat. and I had to take care of the house like. cleaning and I I still do well you're. not working yeah I'm not and I I am. bored but um yeah I would be to I get it. he got so tired he was super stressed we. we had problems because he was just too. stressed and he will like he he couldn't. focus on stuff cuz he was he could focus.

focus focus not focus. oh good yeah hopefully yeah hopefully. that doesn't go anywhere that's you guys. I'm not going I'm not judging it happens. okay then he got a scammed I did get. scammed I got scammed uh pretty early on. into my my pressure washing business. venture so I had signed up for a leads. service that's where a majority of my my. clients were from yeah yeah sure so.

Angie was pretty I guess you could say. predatory whenever it came to like oh. hey List Angie's List yeah Angie okay so. I got on they were like hey we'll sign. you up for a if you don't want to pay. for the annual or the lifetime. subscription it's going to be 250 a year. and then you don't get leads but if you. want to sign up for a lifetime it's I. think it was $7.99 and then they'll give. you a $3,000 worth of leads okay so in. retrospect I had the money at the time I. was like yeah let's do that yeah well. you mean the credit card the yes the. credit card I had the credit card okay I.

had the credit card available I had to. spend 10,000 in my mind I was like yeah. let's spend 10 G's let's let's make it. quick oh. the theying won man they won they beat. the system honestly they've got. everybody just like in the loophole. especially us yes and a majority of the. leads weren't actual leads they were. fake people they were using fake info. they were providing fake addresses and. they were saying hey come to this. address and do this I would go out there. it's like a beater it's a TR what are. they get it's a trash house so so the.

guy says Hey I want you to come I'm. moving into Dallas uh in a month I want. you to go check out this house give me a. quote for how much it would cost to. clean up the whole house it'll be 850 to. clean the whole house he's like okay uh. so I'm not going to be in in a in a. while I'm going to send you a check so I. get the check but in the in the check he. also provided an amount for his. electrician because he said obviously. I'm not going to be there I'm going to. put your pay and his pay into one check. that doesn't make sense it doesn't in. the in the in the moment I was like okay.

sure whatever what why how would that. even possibly make sense to you that's. just that seems like I mean yourself. Beyond easily I I didn't understand. checks at the time I've never I've. literally in the in the they are pretty. just it's out it's outdated and I've. never and being like okay so what you. did the work and so I didn't even do the. work I got the check he was like okay go. ahead and send the money the rest of the. money to the electrician because clear. I'm sorry I shouldn't you're good oh but.

that no it's stupid that is what a. 90-year-old Falls for dude I I know in. the check cleared oh the check clear. came from Africa sending exactly it was. it was an African prince the African. prince got me and he he was like look. just send the money to this to him. through this crypto wallet and I was. like okay cool let's do it and because. the check cleared and I thre a crypto. wallet and that. wasn't guy how there was how old were. you it was nothing but red flags the.

whole time how old were you I was I was. 20 at the time oh you not young enough. to be that naive that's it just in the. time I seen the 4K hit my account I was. like oh yeah well it's my money now I. was like okay cool I got 4GS in my. account this is fine 4 G and then. obviously the check bounced I had. already sent a th000 to the to the. crypto wallet he originally I was. supposed to send 3,000 but I was like. you know what let me wait until the day. of the job to send you the rest and then.

the check balanced I said what the what. the and then he was he was like you. still need to send the rest of the money. my bank my my bank manager will figure. it out and yeah that's how that did you. no no it was only the Thousand I I got I. got prevy to it unfortunately you're. crazy D it it it rocked my it rocked my. world it sucked I can't suck. unfortunately I don't have any kind of. connections that could get you leads I. can give you one of our uh Partners. stand stor so you can get a better. storefront for your business okay it's.

pretty cool we we've used them they're. pretty good so I'll get you connected. with them yeah yeah so I've watched a. couple of the episodes and you mentioned. I think you were talking to somebody. about auro like he had a car that he was. putting on turo uh so you spoke to you. were uh speaking on app called thumb. teac oh yeah so yeah I started using. thumb Tac and that's where a majority of. my business was coming from was where. now where's your business I don't have. any real well I have time it's just that. I haven't really been putting the effort. that I should have been into into it. I've been putting more into the all.

right so you got some overtime pay and. 5,599 came in through payroll so that's. good it was it was nice usually it's. 20850 though yeah now now that we're. we're back into like slow season yeah. what you're giving face towards him what. nothing okay she's just in into it okay. feeding in huh she's just tapped in. she's locked in how much do you think. you spent how much do I think I spent uh. how much do you think you spent how much. did you think was spent again 5,599 came. in usually it's 2,850 how much do you.

think was spent a little bit how much do. you think was spent I'm going to say the. 5,000 I'd say about the same okay. 6,497 so I don't know what the you guys. are talking about you don't even know. you guys are married do you have access. to the finances do you know anything. about the finances where do you think. your guys's finances are at cuz you guys. are combined you guys are married yeah I. know uh I don't have access I don't have. the app in my phone but app okay. I mean we sit he talks to me he said.

look this is what does he talk to you or. does he talk at you he talks with me so. he does he leads you through it yeah I'm. not I'm not giving her the runaround. saying like oh we're we're million how. much you understand about the numbers. it's a pretty different system like yeah. but what do you think your household. finances are at today mm they're not. good sometimes we cannot even explain to. me what you can't pay pay what so we got. an eviction notice like a month good. absolute well no it's like 50% of your.

damn income an eviction notice yes how. how many months were we not paying no we. pay we pay we're we're current the only. the only reason why we got the addiction. yeah see the only reason we got the add. you're late on rent so yeah I mean you. don't get to quit the other jobs if. you're late on rent I don't care if it. means you're not able to get up man you. just you have to be able to pay rent. roof over the house or break that lease. I know it's expensive and then move to.

somewhere cheaper which I know you can. just a little tighter we can move yeah. we can move to the ghetto you know it's. not like it's that big not just the. ghetto you can have something smaller. what's your what's your apartment size. like we're not even that big of what's. your apartment like it's like six it's a. one-bedroom one bath it's not an. efficiency but it's uh. 664 sare ft okay so it's already. relatively small it's just a it's a very. good it's a decent location no it's very. good you were correct when you said that. you your brain was. correct for for the access it's pretty.

close to the highways so like getting. two and from locations I can just. zip okay then we had a um storage unit. that it was too expensive and too little. yeah cuz she's outing out all your. dumbassery I mean that's why the that's. what wife are. for okay that order get citizenship but. yeah um so he was. about that I'm kidding go on so he was.

spending like what almost 200 on storage. unit good man you. just it was a 10 by 10 it was a so I I. had signed up for you already don't know. that you spent $1,500 more than you made. it on a great month $1,000 yeah but in. reality that's double double more than. double on a normal month of your. income in fact I see you had to pull. from a brokerage. yeah if we're pulling from a brokerage.

traditional we're being stupid from an. IRA you pull from a tax advantage. account good but we need to talk about. the snakes though oh je. what do you want to tell him uh yeah. I'll go ahead and do it this is so many. Awakening yeah go on let's when I say. when I say entrepreneur I went into what. is he selling online at this rate I mean. I might end up having to I want to give. you free money right now I've partnered. with different resources that will.

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you take dude who even thinks about this. what rabold do you have to fall down to. get that one so I had a buddy of mine. well still friend we're still friends uh. he has he's a very he's very invested. into the ball python industry he's he's. got a decent who the is buying ball. pythons he is him and me now yes him so. really it's like a ball python pyramid. scheme you get breeded pythons so that.

you can convince. othering ball python potential breeders. to make more money you just sell them. you breed and sell to them so that they. can breed and sell to other people ball. py pyramid he called me one time right. and he was like a PO B he was like look. I have this um business whatever I was. like don't do it he did it he didn't. give a about what I. said this is our marriage and you didn't. give a about what I said yeah listen to. yourass. situation because you spend a lot of.

money on. snakes. yeah not even given any kits yet yeah. there hasn't there hasn't been anything. back from it yet babies I bought you. guys oh the snakes yeah so I bought them. they're not they're not no they're not. producing yet so I have are you sure you. have the correct genders necessary for. reproduction yes yes checked them so I. have 10 currently how you how much was. are all these $7,000 7,000.

$7,000 [ __ ] and N. nnes when you when when when possibly. when possibly did you what this is the. dumbest thing I've ever heard of my when. did you possibly do this probably about. a year year. ago why'd you continue with this. marriage with someone that would do that. I mean at the end of the day I was not. living with him I was still doing my own. money I was like okay okay go do.

whatever you want to you love him but. can you be with someone that does that. on an quarterly basis I mean I think. that and now they're just sitting there. slithering around and not banging so. they my my male was smaller at the time. he wasn't he was probably about that big. now he's about this big so he's ready to. breed and he has been breeding with some. of my my friends females what's wrong. with yours you any they're not they're. not big enough yet they have to be why. would you get on so their their jeans. correlate to Dollar mounts so I.

purchased High higher quality snakes. that were smaller who's going to buy. them it would be other breeders that. have it is a pyramid scheme pretty much. it's just it's just other it's. other you even know the other breeders. you know the breeder that gives it to. you and he uses your snake nut yeah. pretty. much he's he's in the he's in the loop. he knows he knows other like higher in. the loop dude he. sold you he recruited you he lives in.

Florida he he didn't move to. Florida I don't even know what to do. with that why don't you just sell them. and get out of it I told him to do it I. would only I would only get about half. of what so their jeans have depreciated. in value they it's been a depreciating. asset yes oh my f how do you even know I. I check the I check the market I see. like what jeans Market just like there's. an app there's an app that where.

naturally trade so you lie to me so what. day trading snake lie to me you told me. that you made your research that. everything was going to be okay and now. right now you're saying the they decrees. they they have they have decre guy. you're a I don't even know you're just. but I've dug I've dug a no offense. you're not starting businesses you're. entrepreneur your mindset isn't starting. businesses you just try to go down every. little get-rich quick scheme. that's what you are you are attracted to.

and whatever next getrich thing. someone's going to point at you you are. going to take it this is what you do. you're not a business owner this what. I've been doing yes I just I I really. think that you just did it because your. friend has like more than $4,000 in like. snakes that's why it it seemed like. seemed like it was $40,000 did you buy. from that guy right no I purchased I. purchased from other breeders not from. him and I have it appreciate [ __ ]. yeah they are depreciating.

assets even though they're closer to. breeding they are closer to breeding so. now if I's what's a little baby worth. that you'd sell. um with my with my Mals that with my. mail that I have right now on my females. whenever they're all ready to breed I. could have anywhere between 40 to 50. eggs a year and each one minimum would. be $400 maximum could be anywhere. between 5 to 10 depending on if they get. the correct genes.

but it's only going to go to other. praters or someone that's looking for. pets I mean it's not granted the the Pet. Market mostly goes to like Petco or pet. yes yeah and they're looking for just. those little ones and you're not. competing with them yeah I mean I you're. not going to I could sell to the um to. the pet stores but it wouldn't be for. probably about like 100 bucks a normal a. normal B python right now like just. standard skin is $40 4050 bucks but. that's that's not the ones that I have. minor minor piie desert ghost just.

different different Gene. types this is so stupid this is beyond. stupid all right guys I just need to see. self assess then we need to get into. these numbers self assess I'm going to. go 3 2 1 go on go I want you both at the. same exact time to give me what you. think your household Financial score is. zero being the worst 10 being the best. what do you think it is household. Financial score yeah zero being the. worst 10 being the best three 2 one one.

three oh she loves that number uh okay. why he I'll take it I mean explain I. mean I don't I don't go to war so I I'm. okay at the house you got an eviction. notice and you guys are spending more. than double what you normally make in a. monthly basis and the dude has Snak. slithering around trying to make that as. his pyramid scheme. all right if you guys want your.

financial score take the quiz it's free. it's fun to see where you stand the link. in the description below if you guys. want to come on the show as well and. you're breeding snakes or whatever. you're doing man come on the show Caleb. hammer.com apply I'm curious I may as. well just ask this because I mean people. always ask out there about the process. for coming on the show okay I'm yelling. at you I'm making fun of you please tell. us for people considering coming on the. show are were you made fully aware of. everything that was going to happen here.

I've seen episodes we we've seen. episodes we we knew what we were getting. into yeah and I mean we're just looking. for guidance we're looking for what we. can do and how we can get out of the. hole Yeah so you guys fully understand. what you're getting into and the. onboarding process was good yes okay so. you can tell people to stop being. offended on behalf of other people that. aren't actually offended I I applied on. Facebook Marketplace if that says. anything to anybody so I mean look man. come on the show guys we'll see it's not. that hard of a process and if you have a. good enough Story by all means Caleb's.

going to yell at you a little bit you'll. be all right okay this is a huge credit. card balance Chase Prem card so these. are all in your name yes so on here. we're sitting at. $3,581 Chase Freedom 44 cents huh Chase. Freedom unlimited yeah that's the that's. our that's our personal credit card yeah. so what the is this this is a card that. is auring interest but yet with the. money that you put on it you immediately. put back on the money that you pay you. immediately spend why why leave the the.

balance honestly going up because the. interest makes it go up why you're. credit limit why would you put yourself. over the credit limit why are we. spending. what why would we spend money on a card. that we cannot pull you Fay off that is. a creu interest but not only that why do. you push it to where the interest would. push it to above the credit limit why is. that an act and a choice that we are. doing do you guys want to have kids yes.

okay good so we probably shouldn't be. pushing our credit cards to above a. credit limit I don't know in my in my. mindset I'm thinking in your your. mindset has to be it's in the toilet for. sure my mindset is not the best right. now as far as the financial hole that. I've dug myself and if you're. recognizing that then why wouldn't you. fix it so right now I mean yes we're. we're fixing it we're in the process of. attempting to fix it it is uh you. purchased and went over the credit if. I'm spending the money I might as well. get some points off of it what points.

you getting two like two points it's. better than zero on a debit card no it's. not cuz you're not gaining interest on a. debit card are you stupid the interest. the interest is still going to go back. up though no huh the interest is still. going to rehit like if I don't yes but. on a lower balance if you're spending on. a debit card you are essentially. lowering your interest from 30 to 28%. cuz you're getting 2% cash back if. you're even getting that if you're lucky. cool or you pay the balance down further. and have 30% on a lower balance which.

would be better for you and not get 2%. on your debit card. purchases who the come on glasses you. know that math works I don't know I I. would rather have I don't know that that. was that was just bad it was bad. thinking honestly bad thinking you're. doing this consistently yeah you're not. just thinking you're endlessly doing it. man you're saying points I was thinking. of the points that's what it was it is. recruting $82 in interest you are above.

the credit limit by. $81 your minimal payment is an insane. $118 insane for you for someone who had. the little air conditioned special. little storage unit for someone who has. rent they can't afford for someone who. goes thousands of dollars in debt for. depreciating. snakes you cannot purchase on here close. the account if you're obsessed with the. debit version you can do the Fizz card. like everyone that I recommend on the.

show okay debit card that builds credit. gets you rewards but at least it's aing. debit. card this is insane dude you do not have. any wiggle room any wiggle room to add a. minimum the payment into your it's tight. it's very. tight and then the truck happened this. girl like she's just bottling up all. your and she just letting out she just. how she I mean this this is this is the.

this is her version of I mean look we. came on the show we need to figure some. [ __ ] and this is her Avenue of get. letting it all out cuz look I know I. know that it's been [ __ ] her what are. you talking about I told you every day. about off truck you made a bad decision. I can tell you here I can tell you in. the house I don't care it's a bad. decision it's bad decision bad Deion and. I told you but you again didn't give a f. well why don't you listen to her it. sounds SS like she brings up for every. topic I'm so how did these conversations.

go bad oh go on go he just like okay yes. I listen okay yes and then he goes to. bed and then he wakes up and he's like I. didn't hear it I'm going to do whatever. I want to. do that wouldn't mean a long marriage is. going to happen with that. attitude. yeah you're not wrong I need to fix it. this is something that I need to fix I'm. sorry but that's is the way that. everyone gets out when they consistently.

do bad things forever and then they get. confronted yeah I'm going to fix it like. you you sound like you're trying you're. saying something where you're. acknowledging it but it's not that. that's just what every person does that. tries to get out of something then they. continue down the same path forever this. is huge for financial audit for a year. now my team and I have worked with. experts to create what I truly believe. are the three best educational programs. in the financial space online we have. our budgeting program where I teach you. how to create manag and revolutionize. your budget and control your money and.

then there's the investing program where. I teach you to Define what investing. profile applies to you and your life and. then teach what specific investing. strategies applies to you in that. situation and now finally we have our. debt program where I teach you the best. ways to pay off debt manage debt and. even take advantage of good debt this. has been a revolutionary project that. we've been working on for over a year. now and just like over 10,000 people. who've already already taken our. educational programs you can now take.

advantage of all three of them bundled. together at a 15% discount I've heard. from thousands of people now who've. taken these classes and they've. literally changed their lives for the. better and finally you can to at a more. affordable price head to Caleb. hammer.com or click the link in the. description below you will not regret. this he's not a bad husband he's the. love of my life but I just want him to. like take the right decisions and if I. am telling him like not do something why.

don't you listen to her I I do listen to. her it's just no not in these situations. obviously try put yourself in the shoes. when you did not listen to her why why I. I thought I knew better I thought that I. I had the blueprint and that I was going. to make everything work out everything. was going to be say that you said that. with the snakes you and now you're. saying that with the truck what's going. to be. next there should I I don't want there. to be a next I don't want there to be. something to where we have to continue. down this road what what are we doing to.

not have a next one to not have a next. one by now thankfully that the truck is. in the process of getting fixed in the. process process of getting fixed so I'll. elaborate into that so I purchased the. truck about a year ago it with the. business it was included in the included. in the credit card oh oh that really. okay so it was included obviously. pressure washers need a truck to carry. it around. so I purchased the truck it's a 1996.

Chevy S10 it's a four-cylinder so it it. can't tow that much but it gets really. good gas mileage so in my mindset I'm. thinking oh I'll get good gas mileage. I'll be able to go longer distances save. money on the gas and be able. to the headlights were really dim and. the highway coming back from there. doesn't have very many lights so I mean. oh here this sounds like a lot of. excuses go ahead I mean I'm not even. it's it's not even an excuse at that. point like cuz I know I know that I up. no what do you do then you pull the over. yeah well I had to I had to get back I.

can't you can Uber you can pull over. Uber get it tomorrow that would have. been like 100 bucks like 100 200 bucks. that's better than what I assume is. about to happen well no I didn't wreck. it it's it's still I Dr I drove it here. today I'm just saying it was it was it. whenever I drove when whenever I drove. it back I knew that I was about to get. into as cuz I see the headlights are a. little [ __ ] like okay here we go this. is something I'm going to need to fix I. get it back I park it in my buddy's. house cuz I'm about to work on it as. soon as I come back that morning there's. transmission fluid on the ground I get.

it to a transmission shop you got to. rebuild the whole thing how much is that. going to cost 2800 bucks you're going to. have a three-year warranty okay cool. let's do it I get it done because. obviously you can't drive around without. a b where does this money come from I. had saved up I had a decent saving saved. up I had a lot of money obviously you. see the statement so you don't borrow. money from anyone no I I had a 770. credit score I just had a long streak of. just bad decisions and. and that has put us into the point to. where now I had to so my engine blew up.

on the truck so all in all the truck has. probably cost me about. 7,000 for the for the fixes and weo his. grandma for the engine yeah cuz she put. it on a credit card just told me you. don't borrow from people that was before. I'm talking about back whenever I had. the money saved up I didn't why do I. give a about that I'm sorry you're. borrowing from Grandma right now I. didn't understand the question I. apologize what you think I'm asking. about the ancient temp I don't give a.

back then I'm talking about now why do I. care about what happened to you in. middle school I don't give a [ __ ] oh my. gosh dude so yeah I did borrow from my. grandmother you just want to look good. you just say whatever is necessary to. look good I mean you're not going to. wiggle out of that man you got to. confront your real [ __ ] you're borrowing. from Grandma Grandma how would she owed. a grandma let's write that down so right. now I owe. so I have two different how much I owe.

1100 1100 Grandma I thought I was going. thousand R even still that is not great. I mean from Grandma likely retired right. and brother how old's Grandma Grandma's. uh 64 Grandma's 64 you're borrowing from. a six-year-old and she just said and. your brother and Uncle yeah. brother. grandma grandma is uncle grandma is. Uncle that's 1100 is oh yeah well it. came from how that that doesn't what she.

has access to his savings account he. goes to college full-time and and he. took from her him she took from him yeah. she has access to it so no no are you. telling me that your grandma took from. Uncle yes does Uncle know yes he why. didn't you borrow from Uncle instead of. from Grandma to Uncle well I just put. both of them in one name I mean that's. he knows I I spoke to him in regards to. it but no no no tell me how this worked. okay. so oh my.

[ __ ] I don't give a I'm talking about. the just the borrowing guy the Bor yes. the Bor I had to borrow from them in. order to get the truck how from Grandma. and Uncle you mean individually no for. in to so look uncle is the 1100 it came. from his savings she has access to his. savings I spoke to him I spoke to him in. regards to borrowing the money grandma. do it though instead of him because he's. in Kansas he's not he doesn't oh. electronic transfers work in Kansas yeah. venmo does exist what are you talking.

about us in Kansas why do I give a about. Kansas but look yeah what the oh they. have corn guys they can't transfer money. transfer yeah he can't transfer the. money no it it got talking about yeah. through. Grandma I spoke with him he gave me the. green light and then I've been dealing. with her weird dude this is so weird it. is weird and you pay her and he pay she. pays him yes why why is she the. middleman that's just how it's working. out right now how much did you borrow. total this is insane this is the.

stupidest thing I've borrow total was uh. dumb was right at like, 1500 1600 when. uh whenever the truck when when about. two three months ago. oh and then and then brother so yeah. brother your brother brother is also how. old's your brother brother is about to. be 20 in you're boring from a 19yearold. yeah. you are married to this look I'm not.

proud it's not something to be proud. about listen that's again you're one of. just one of those things that you're. just you're acting like the oh you know. what I'm acknowledging but I don't know. it's you're one of those people that. says that over and over again when. they're confronted but then they. continue the same path it always happens. or else you would not be doing this. stuff every other month guy so how much. did you borrow from a 19-year-old that. was 600 600 how much. uh so we struck a deal on that so I've.

been paying for his phone bill for going. on two years and I told him that since. he since he is uh earning income like. he's making everything and I'm obviously. in the hole I said hey man I'll keep. paying for your phone bill and we'll. just use that until we're paid up and. current so he's got 15 months of a paid. phone bill kind of struck a deal with. him that's that's how that went down cuz. he doesn't really need the money right. now he told me so he was like look. that's fine fine how how do you feel. that your 19-year-old brother is more. successful than you I'm not proud of.

it if if me up trust me it me up why. don't you do anything instead of. repeating the same mistakes over and. over again I need I need a proper game. plan we we need a proper game plan cuz I. have to assume some responsibility too. we we've been going assum on the. spending front probably we've been going. to Cancun uh he's oh my gosh. lady you seriously in the back of your.

brain must just have a bag full of. insane things that you guys have and you. were just dropping them like little. Pebbles but I was working I was helping. him too it was just not only his money. mine too this was way before how often. are you guys going to Cancun we've been. three times over the over the course. buddy you just got a foreclosure notice. not foreclosure an eviction notice no. more or Canon I mean we can't go now we. can I cannot even go out of the United.

States if I want she's here until we get. the green card no vacations in the. United States no we're not doing of that. we can't even afford it right now we. love you could have probably afford it. then it's a it's a yeah how much did you. guys spend going to King so each time. was average. three no three 3,000 for each trip no I. paid but I paid the the flights that was. after flights h oh three after flights. 3,000 after flights you are.

saying you you are saying there could be. $99,000 invested growing over these past. couple years growing growing at like 10%. average in the S&P 500 I could be buying. that you could have bought that you. could have bought that in Mumu you could. have opened up the mumu app you could. have bought S&P 500 that could have. compound grew [ __ ] S&P 500 has grown. 50% these last two years 50%. 50% trust me I look at the I look at the.

charts I I've seen it yet it all went. off Cancun it went to trips only three. times it was no like it what look it and. I had my money oh my my producers are. telling me even something more what I. can't I can't even get through this cuz. it's just like it just unraveled you. borrowed money from your brother because. you didn't have rent money but yet you. still went toing Cancun that was. before this happened like 2 months ago.

can was way before Oh borrowing from. brother yeah K was with before and we. paid it like so it wasn't it wasn't. borrowed from brother I originally. borrowed it from my mother mom yeah I. originally be one of. these she transferred the debt she. transferred to my to my brother just. want to leave this conversation's. insane just done here man oh I can't. even fit myself I can't even leave this.

this is oh my dude going to crawl away. no just I can't every money thing you do. is just the dumbest thing you so you. borrow from your mom probably and what. what what happened so my mom ended up. borrowing for my brother as well and. that's that's how that's how the that's. how the dead. got yeah I need to check my blood. pressure I can't every time I try to. keep it rolling there's another. unraveling of Insanity inhale exhale.

keep it breathing keep it. blowing you got the you. how look man how has your family. survived this many generations we're. keeping it in a. flip so on the credit card that we. talked about like 30 minutes ago. yeah fit connects Fit connect. Hulu McDonald's going in and getting a. drink at the gas station or something.

Amazon Prime. Amazon Fit connect what is this that was. $63 and $29. $10 Fitness Connection that's the jam. you pay every time you go no why I why. are there three different charges on. here so the 63 was the annual uh. subscription fee that was just to get. the application started and then it was. it's you're just subscribing to this now. that's for that's for her I've I've been. subscribed girl you're almost getting. kicked out of of your house that was way. before what floor do you guys live on.

first are there other floors yeah third. floor go up and. down New Year's resolution I'm okay with. the gym it's the fact. that that you're just choosing to start. all this plus a new subscription that. that was an annual that was an annual. charge we're not going to get that again. so currently we're at until the next. annuals do yeah which I mean that's. going to be just and then there was a. $30 charge and then an $111 charge so oh. what wait a 30 and 11. yes so the 30 was for her monthly and.

then the 11 is mine I think monthly. counts as a charge you dumb. sh okay yeah monthly monthly it's. 40 okay then PlayStation then Amazon and. then Prime video mhm oh $43 of fees this. year so far on here what is this late. payments over credit pay who even knows. but all I know is you're not using the. lay payments what. you entrepreneur. my.

[ __ ] just dude what are you what you. don't have you don't have the money. management skills to run a business at. this point at any point so far and. you've been trying it everying year for. your life you blew $220,000 in savings. now you're borrowing from your family. who's borrowing from your family. and $350 67 C of.

Interest we're coming out of. this we can do it in what in what worlds. you spent more than you made last month. and even on a good month and you spent. almost triple what you make on a normal. month coming out of this no you're not. coming out of this for Christmas I don't. give a sh you're fing destroying your. life coming out of this there's no. coming out of this the way you're doing. it you're not coming out of anything. but we could could if you do something.

but you guys don't we will need a double. oh says what says what action possibly. would suggest that you guys would come. out of this saving so that we can get. her process started for saving how about. let's just start with spending less than. we make uh you but you don't even do. that so how are we saving if we spend. more than we make are you talking about. more than what we make uh so I currently. what I'm doing is to make extra money. I'm donating plasma oh which I'm listen.

I'm okay with it for the like if you. want to do it I hate doing it just to. survive trust me I I hate it too it's. not like I you get per plaz so per plas. it's 47 the first donation and then it's. 50 I think it's 53 the next one how how. often are you doing it uh it's two times. a week oh okay so it it'll be an extra. 400 and some change. yeah look I'm willing to do whatever it. takes to get us out of the hole I've. never I've never been scared of work. ethic it's just a matter of me putting.

us newlyweds into the deepest hole I. could have ever imagined lots of. acknowledgement no change in Behavior no. change yes you donate plasma so I'll. donate some things to you guys as well. go through the budgeting class together. so you can learn how to use a budget. take the quizzes together same with the. debt class and the investment class so. you guys understand all that well. eventually meet with a domain financial. advisor same ones I use you guys get a. free session everyone in the audience.

gets a free session go through. that get an accounting certification. through course careers so you can do. accounting for whatever next business. you're going to do then sit down with a. therapist at soundmind it's another one. that we partner with you guys go to them. together you guys get three free. sessions okay so these are the resources. that I get to provide you guys for free. so can do it definitely therapy all of. it. okay therapy First Credit One we have.

credit one we have we have two we have. two credit ones actually oh credit one. that's just like the it's just like if I. have credit one I have the worst. finances ever created that's essentially. what credit one means it's a badge of. you honor it's the bottom Barrel yeah. yes it is and you're swimming down there. constantly my body just rejected. this basically at the credit limit $777. 47 yep with the $295 of purchases on.

Credit One why on credit one out of all. credit CES why on credit one oh because. you're already maxed out in the other C. so we have to spend from somewhere and. we have to spend more money than we make. so it has to be on credit one so there. were there were times where we didn't. have any any available balances so then. you don't purchase here's a money. mistake that I see all the time having. money just sitting in a checking account. with a teeny tiny interest rate doing. nothing but Gathering dust if this. sounds like you or you're just looking. to store your savings with a return You. Deserve I've partnered with money.com to. provide you a solution with the right CD.

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description for money.com list of the. best CDs straightforward and your future. self will thank you for that extra cash. so head to the link in the description. of today's episode this is a paid. endorsement sponsored by money.com which. is compensated by its marketing Partners. but some of those guess what this is for. a restaurant it's from a cafe from Sonic. Drivin going in and getting a drink. going to bearded monkey going in and. getting a drink who's stopping at the. gas station and spending like six $7. constantly $7 at the gas station yeah $7.

in the $8 it's probably me just putting. a little bit of gas in the tank honestly. oh. my look that that month was then a. little bit of groceries but most of it. was. just around if you can't spend money you. don't around no more taking the wifey. out for a nice little. treat interest and Fe is a crew man of. course yep chop this up close your.

credit cards you not a credit card. person yeah I used to be not anymore you. it doesn't matter I don't care not. anymore doesn't matter if you. were I just it feels like it can't get. worse but somehow it just somehow it. does man somehow it. does you know what sucks is you guys are. actually like quite Pleasant people I. enjoy you guys as human beings but this. is so then and so.

stupid so Credit One Number Two no. $624 okay good at a 600 credit. limit for real I didn't know that again. these conversations around Finance how. do they go can someone explain to me how. these go so honestly just kind of boiled. down to the point that like we had to. pay a. card we didn't have the money to pay the. card so we used another card. conversations around money how do they. go is the.

question honestly it's just trying to. make it happen we I tell her I'm like. look babe no conv we can't spend I tell. her I can't spend this we can't spend. this we're not going to be able to. afford this crumble cookies necessity. uh-huh Museum Grandes Texas Roadhouse. got a shove those rolls down your throat. that's Pro store going in and getting. some sh in the gas station. waterburger and fees fees fees fees.

rolling. up it's all just this is [ __ ] man. it's not even on the Necessities it's on. necessities and you're saying I. literally have no money I'm just trying. to survive you would at least have a. Little Bit of Sympathy for me but there. is nothing cuz water burer does not. count what a joke it seemed like an. necessity at the time but it didn't work. out you're never changing why why this.

huh CU I love him why you don't know him. I'm getting to and so far don't like. well but I. do thank you I love you I love you too. baby you chase Inc great was this the. that's the business card. yes what how would you make the minimum. monthly payments so I've been paying I I. struck a deal with them so I've been.

paying 50 bucks a month just to oh for. than goodness cuz the minimum was. 6,591 they've called they were calling. me very consistently saying hey you got. to pay 4,000 come on let's do that and I. was like yeah I can't do that but sorry. so. $7,795 186 which is an insane balance. for you insane balance oh pass du amount. 6535 what the dude and now you're going. to have this $50 minimum payment that's. going to make no progress towards it and.

then interest is be going to fees. $731 fees. $731 that's insane fees that's insane. fees and $258 of. Interest that's insane fees. it's I said is so dumb I don't get it. this is so.

stupid just why why aren't you making. your payments when they were smaller. that way it would just be normal trips. oh what a child what a baby what a baby. want to have a baby with a. baby the what are we. doing you actually give a yes then why. haven't you done anything not one thing. why haven't you manned up the once or. adulted up the once ever I need to get.

out of it I need to get out of the illus. that's not an answer I'm asking why you. didn't why I didn't do it I lived in a. blur and what has possibly. changed getting. married when did you guys know you were. going to get. married pretty much since we met. honestly we didn't have an exact dat. what the so that would have changed 2. years ago then we didn't have an exact. date but we knew we were going to get. okay so getting married shouldn't have. changed anything. then yeah well so give me a real answer.

what's actually going to change why is. it changing stopping all the spending. why why does it need to change because. we're done no you said it's going to. change and I'm. saying. why I. just it's not going to change it's not. going to change I just lost it's not. going to change because you just it's. not going to change he doesn't have a. reason why it's going to change there is. not an actual reason why it's going to. change and he is just get children we're.

not having children shut up we're not. having children yet not yet no that's. the goal we're going to make it happen. sure but that's prob when have you guys. decided you were going to have children. we were hoping for 25 2 no no no no no. no when did you guys have the. conversation that we will have children. eventually early early in our. relationship good so again you've. already known that so why now that's. again a bull response the marriage you. already knew having children you already. knew so why would this change now now. you have no real answer you try to pull. her out of your ass so nothing is.

actually going to change you don't have. a why and without a why there's nothing. there's nothing why sacrifice without a. why there's no reason why I live a. harder life in order to get someone. better if there is no better why there's. no why at all I made a promise to her. that I was never going to have an. eviction notice put on her door ever. again that's ever again ever again there. was a oneandone that's lots of promises. guy you probably promised never to join. a pyramid scheme after your fourth.

pyramid scheme then you joined your eth. I I have I have been exactly so again I. can no longer believe I can't believe. you I cannot it's impossible I so I got. convinced by a insurance company to join. in I thought that was going to be the. right way but obviously wait for what. insurance what what are you talking. about uh health insurance health. insurance well he was working in there. yeah what what are you talking what are. you talking about uh so it's a company I. don't know if I can say names can I have.

to okay so basically it was a company. that had the premise of we will sell you. life insurance you'll get a premium but. you you'll be helping make sure that. they're taken care of who uh PHP people. helping. people it's a conglomerate owned by. Patrick bed davit it's basically a big. ass. MLM I went in there with the intention. of oh I'm going to make really good. money off of this this didn't work out I. I seen the writing on the wall I got how. are you going to make money by selling.

Insurance that's how it was going to be. oh I wish I just had no morals this show. just demonstrates every way that I could. just go make so much more money than. this show produces I could just scam the. out of people you could gosh so easy. there so many there's so many people. like you who fall into them yeah my gosh. it would just be the easiest thing in. the world morals my gosh guess what is.

this why am I seeing this on your credit. $487 what is that the that's that's a. apple that's Apple credit card why don't. I have the statement in front of me huh. huh huh what how what why don't I have. the statement in front of me that's GS. bank that's that's Apple yeah why do I. have the statement in front of me I. don't I sent the PDF of the Apple. statement. I I thought I did no okay well you want. it yes got you it's been maxed out for a.

while great I got you here one second. what's the minimum monthly. here all that's on the oh good it's gone. up it's gone up and we are now over the. credit limit did you know that another. card yes that's funny that's great. that's hilarious our lives are in. shambles and we're never going to get. anywhere or accomplish anything and. everything's a complete joke ha $538. I was not laughing because it was. funny sometimes you get nervous yeah.

there is purchases dude Elsa. Dora is that to someone or is that a. restaurant let me see eladora okay no. yeah is it Spotify that's Spotify yes. that was a Spotify subscription that we. paid we PA we PayPal paid okay PayPal. paid something else then an apple bill. then Kroger. the second Netflix the second PayPal was. for Christmas then Underdog Sports.

what's that so that was a bet I made a. bet on you made a bet on credit card and. max out so listen lady your husband that. you are considering having children with. maxes out credit cards go over his. credit card limit in order to bet on. Sports this is a. joke what's your minimum monthly payment. Dude tell me probably 60 60 70 bucks. right now to get to get.

interest $25. $25. yes this is disgusting I'm disgusted. this is nasty how the you even okay with. this what is the student loans it is you. went to college for a second Maybe I I. was almost do everything so I have I. almost have my associates degree I'm. about six credits away from having my.

associates but obviously being married. married and working full-time could do. that okay. $2,250 there's more there's more student. loans that's I think it's a stack in. there it's about. 5,000 5,000 is some change your minimum. monthly payments uh I don't know off the. top of my head do you pay them no I. haven't made payments on those are they. do I don't believe so no why I haven't. did you request the ferment no I haven't.

did you try to get onto a different. payment plan no they're through. Advantage when did you stop when did you. stop going to college uh right before we. got married so oh okay so the minimum. the payments will kick and you better. pay for it it's probably going to be. about March or April probably this year. it's probably going to be about. 50 bucks a month.

okay what a. joke what an. absolute. joke wait hold. on 2250 2340 then an additional over. 1,000 no it's more like 4,000 guy and. the minimum payment is going to be like. 60 bucks I don't even know your own. number numbers I said 5,000 yeah it's. like oh you said five sorry I said 5,000.

yes okay it's like. 5,000 so we're probably talking about. yeah. like 60 70 bucks I'm going to be more. conservative and say 70. okay oh my. gosh what are we looking at there's no. future here why do I have a starting and. ending balance of negative in this. checking account. what the which one is that I have I have. two bank accounts business yeah Chase.

business oh okay I had probably. transferred the money to the uh checking. yeah but why more than is in there you. went negative you started negative 5,000. came in and then you went. out why why would you allow out it went. it went between Christmas yes but why. not keep at least 30 more back you were. -5. why be negative I had I had it on the. plasma card that's where I had that's.

where I had the extra money at huh no. why' you pull more money out that's what. I am asking I probably transferred it to. the to the other why why I don't know I. mean I just had to pay something I know. oh my goodness dude you're insane and. it's just Apple Bill Little Caesar were. negative for Little Caesars we're. getting oh is that what Little Caesars. is Fast Pro Shop P Apple Bill shut the. you're not funny at draw $600 who knows. where the that went in Marshalls.

Marshalls to size up from All Our Little. Caesars for sake those are for gifts all. so that we could be negative. negative leave this man. now he's a financial joke he's going to. ruin your entire entire future we're. going to turn this around no you're not. no you're not I'm sorry I wanted to give. you benefit out no you're not no you're. not your behavior suggest nothing your. comments suggest nothing you're act the.

way you've just been a revolving you're. like I'm an entrepr no you fall for. every scam known to mankind you're done. oh good here's a little nice little. overdraft being in the other checking. account well done in the other checkin. account so let's yeah let's let's do. that in multiple checkin accounts guys. yeah cuz you were. negative you start at negative. 888 and and then and and then it then. then it went worse because you try to do. something in overdraft what if a joke an.

apple Bill an apple Bill and apple cash. set. out Texas. Roadhouse great more Apple cash sh out. we apples cash every thing in our life. and Murphy Express we went in and we got. some bull Amazon and Amazon and racing. GES and PayPal and Amazon and alling out. and alling out and zalin out overdraft. this year so far you've done.

approximately five of them in this just. this checking account the other one you. also were overdrafting. so this this this is this is this this. is no that's it's there's nothing. there's nothing I'm sorry I'm sorry. financially yes we could change this. around cuz we could probably make the. numbers work it doesn't matter because. his behavior will never change he is a. joke of a wanabe entrepreneur and falls.

into this [ __ ] constantly is able to. take no responsibility or give no reason. why he's willing to move forward it's a. joke I can make a budget every day all. day but it doesn't matter because his. behavior hasn't changed I can make the. numbers work but it doesn't matter. and you're okay with this you accept. this you're okay with this I mean I love.

him and we're going to make it. work he's not going to change anything. he is you're with the ex the future ex. that you're like wow he never changed. anything but I kept giving him a chance. I'm going to make a. change I hope. so nothing would suggest as much numbers. numbers on paper it's just numbers on. exactly and I'm saying the numbers on. paper here don't matter it's your. behavior that you will never change. because you.

haven't and you don't have a reason to. change I asked you you couldn't give me. one. $334 minimum through payment what's the. rent again 1,00 320 1,320 99. yes. utilities 150 electricity the rest are. included in the 13 20. internet. 60 any car payment I didn't think so no. gas vro vom drive drive 200 car.

insurance. 168 you know your numbers again this is. Behavior phone. bill 140 switch to Healing when you're. done with your brother save that money. 15 bucks a month same service as. T-Mobile TP fund 150 for the house. anything you need to. survive necessary food we're going to do. 500 follow the meal plan. follow the meal plan we're we're pretty. good about cooking at the house besides. you're not every second of your life.

shut the up dude all right but I prepare. his launch anything what's the gym the. monthly gym you said. 40 uh yeah just say 45 medical healthc. care provided through yeah but is there. any co-pays any on an ongoing basis. no company paid pet insurance anything. do we have pets we have one. dog okay $40 pet insurance how much for. pet food uh 50 50 monthly small dog he's.

he's 50 he's a he's a uh Stafford CH. Terry anything else that needs to be in. this budget that I have not taken. account. for no nothing that I can think of can. you just my loan but like it was it's. 300 yeah she has a $300. loan to what personal personal to who uh. s where I when I used to work they were. taking the money out of my paycheck cuz.

I I had you're getting garnished but now. that I don't work and I don't have that. mind the don't even work. $3,491 69 is what you need to bring in. so sorry he's going to go work a. thousand other jobs which he actually. might do but he needs to cut his. spending well at the same time because. you need to bring in a minimum extra. ,500 a month to Net in order to make any. progress on this but he's never going to. change his behavior so this is dumb but. wanted to do the budget to. the good guy but it doesn't matter.

anyway spending a budget over spent 0. out of 10 debt this is stupid no. collections or IRS de one out of. 10 this is but the family debt that's. going to bring it down to one emergency. fund there's nothing in savings 0 out of. 10 retirement I don't see anything 0 out. of 10 real estate 0 out of 10 AM. Financial score 0.5 out of 10 guys come. join us in the post show that's where we. reveal extra things and extra drama. stuff that we didn't or can't talk about. in the main show so make sure to join. our YouTube membership thousands of. hours of extra content link below and.

you can also take advantage of all of. our education bundled together for 15%. off I'll see y'all in the post show are. you blaming me I'm not blaming you I'm. just saying I used to be really good at. saving and then I just kind of like and. then what you met her that's what you're. saying no my mom paid for a majority of. the wedding the mom who had to borrow. from your brother that's what made her. need to borrow borrowing from your. 18-year-old Uncle she wanted the wedding. I didn't even want to what did she spend. on your wedding there's about total I. just want his thoughts on all these this. crazy family loan stuff hey do you want.

to talk to Caleb.